PhonePe Launches AI-Powered SmartPages for Merchants
Fintech major PhonePe has introduced SmartPages, an AI-driven tool that enables businesses to create professional payment and checkout pages within minutes — without any coding or design expertise . Integrated into PhonePe’s Payment Gateway (PG) platform, the feature is designed to help merchants, particularly small and independent sellers, accelerate their digital transformation journey .
🤖 How SmartPages Works
Traditional payment page creation has been a significant barrier for small businesses. Building a website typically takes weeks, and even manual no-code solutions require hours of effort . SmartPages radically compresses this timeline.
| Aspect | Traditional Approach | SmartPages |
|---|---|---|
| Time to Launch | Weeks to months | Less than 10 minutes |
| Technical Skills | Coding, design expertise required | Zero-code, zero-design |
| Content Creation | Manual copywriting | AI-generated product descriptions |
| Language Support | Primarily English | Multiple regional languages |
| Device Optimisation | Manual responsive design | Automatic mobile & desktop optimisation |
To use SmartPages, a merchant simply describes their product or service in a few sentences — in any language, including Hindi and other regional Indian languages . The AI then acts as both copywriter and designer, automatically generating persuasive product copy, selecting appropriate customer input fields (such as shipping or contact details), and structuring a complete mobile-optimised layout .
“SmartPages directly addresses two of the most common challenges faced by small and independent sellers — the lack of technical resources to build a website, and the difficulty of crafting marketing copy.”
— Deep Agrawal, VP and Head of Payments at PhonePe
💼 Key Benefits for Merchants
The integration offers several distinct advantages over existing no-code solutions:
Zero Technical Barriers
Merchants no longer need to hire web developers or learn complex website builders. The AI handles all technical aspects of page creation, from layout design to form field selection .
Multilingual Capability
The AI understands and processes regional languages, allowing local sellers to create payment pages tailored to their specific target audience. This breaks down language barriers that have historically limited digital commerce adoption in smaller towns and rural India .
Native Integration
Since SmartPages is built directly into the PhonePe PG dashboard, merchants immediately gain access to secure payment processing, support for multiple payment modes (including UPI, cards, and net banking), and real-time analytics — all without any additional integration work .
Conversion-Optimised Design
Every generated page is automatically optimised for both mobile and desktop devices, ensuring a seamless checkout experience regardless of the device customers use .
🔮 Future Roadmap
PhonePe has indicated plans to further enhance SmartPages with more advanced AI capabilities. The next iteration will reportedly be able to analyse a merchant’s social media presence and past campaigns to understand their unique brand tone and voice, enabling truly personalised and brand-cohesive payment pages .
🌍 Strategic Significance
The launch of SmartPages comes as payment service providers increasingly deploy artificial intelligence tools to simplify merchant onboarding and digital commerce operations for small businesses .
According to PhonePe’s official press release, the company has more than 70 crore (700 million) registered users and a digital payments acceptance network spanning over 5 crore (50 million) merchants as of April 2026 .
📈 Impact on India’s Startup Ecosystem
SmartPages exemplifies a broader trend where AI is transforming merchant services across India’s startup ecosystem:
Lowering Entry Barriers – By eliminating technical and content creation hurdles, the tool enables a new wave of small businesses and individual sellers to participate in digital commerce.
Regional Language Empowerment – Supporting vernacular languages helps bridge the digital divide, allowing merchants in smaller towns and rural areas to compete effectively in the online marketplace.
Operational Efficiency – Reducing payment page creation time from weeks to minutes frees up merchant resources, enabling them to focus on core business activities rather than technical setup.
Ecosystem Stickiness – For PhonePe, SmartPages strengthens its merchant services stack, potentially increasing transaction volume and cross-selling opportunities for lending, insurance, and other financial products .
