Cashfree Payments has launched Relay, an AI-powered “Super Agents” platform designed to automate end-to-end payment operations for small and medium-sized businesses (SMBs) and startups. The solution, which has been in beta with merchants since May, is now available to all Cashfree merchants.
Relay is designed to take over repetitive payment-related tasks such as failed payment retries, abandoned cart recovery, cash-on-delivery confirmation, subscription management and dispute filing. Unlike conventional automation tools that simply flag tasks for merchants, Relay executes the required actions directly using merchant transaction data.
According to Cashfree Payments, seven out of 10 Indian SMBs manage payment operations entirely manually, while others often rely on fragmented tools that address only individual workflows. The company estimates that an average SMB spends nearly 60 hours a week on payment operations. Relay aims to reduce this workload to less than 45 minutes, allowing businesses to focus more on growth and customer engagement.
Merchants can configure Relay by describing the desired outcome in plain language or through voice, without requiring complex AI configurations. The platform can either create a customised agent or deploy a pre-trained, turnkey agent within minutes.
Relay agents are trained on Cashfree’s payments data, enabling them to understand payment workflows and execute tasks with greater efficiency. The platform operates entirely on Cashfree’s infrastructure, with merchant transaction data not shared with external AI providers.
The system also incorporates merchant approvals at critical stages, including before money is moved and before a customer is contacted, while keeping all actions visible to merchants.
Reeju Datta, Co-founder, Cashfree Payments, said Relay is intended to act as an intelligent team member for lean SMB teams by taking over time-consuming payment workflows and giving founders more time to focus on growth.
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Cashfree’s Chief Technology Officer Ramkumar Venkatesan said AI-driven business process automation can deliver significant ROI for SMBs by replacing manual work and fragmented point solutions with intelligent, end-to-end automation.
Relay is free for all Cashfree merchants at launch, with the company planning to introduce outcome-based pricing as adoption increases.
