PhonePe Unveils AI-Driven SmartPages to Simplify Payment Page Creation for Merchants

PhonePe has introduced an innovative AI-powered feature called SmartPages, designed to help businesses quickly create customised payment pages using simple text prompts, making digital commerce more accessible for merchants of all sizes.

PhonePe Launches SmartPages for Effortless Payment Page Creation

Digital payments platform PhonePe has rolled out SmartPages, a new artificial intelligence-powered tool aimed at transforming how merchants build payment pages. The feature allows users to generate fully functional and customised checkout pages within minutes, simply by describing their products or services in natural language.

This launch reflects PhonePe’s continued push to simplify digital transactions and empower businesses, especially small and medium enterprises (SMEs), with user-friendly tools that eliminate technical barriers.

AI-Powered Simplicity Without Coding Requirements

SmartPages is integrated directly into the PhonePe Payment Gateway (PG) dashboard, enabling merchants to create professional-looking payment pages without any coding knowledge or design expertise. Traditionally, setting up an online payment interface required technical skills, web development resources, or the use of complex no-code tools.

With SmartPages, merchants can bypass these challenges. By entering a few descriptive sentences, the AI system automatically generates a structured payment page tailored to the business’s needs.

Intelligent Content and Layout Generation

One of the key strengths of SmartPages lies in its ability to automate both content creation and page design. The AI engine can:

• Generate product or service descriptions

• Identify and include relevant customer input fields such as contact details and delivery information

• Organise page layouts for optimal user experience

• Adapt designs based on the merchant’s requirements

This significantly reduces the time and effort required to set up a digital payment interface, making it especially beneficial for first-time online sellers.

Support for Regional Languages Enhances Accessibility

Recognising the diversity of its user base, PhonePe has ensured that SmartPages supports input in regional languages. Merchants can describe their offerings in their preferred language, and the AI system will still generate an effective and structured payment page.

This feature is particularly valuable in markets like India, where linguistic diversity often acts as a barrier to adopting digital tools.

Addressing Challenges Faced by Small Businesses

The introduction of SmartPages is aimed at solving a major pain point for small businesses and independent sellers. Many merchants lack the technical expertise or financial resources to build and maintain professional websites or payment systems.

Traditional website development processes can be time-consuming and require multiple steps, including content creation, layout design, and integration of payment gateways. Even no-code platforms often involve manual configuration and setup.

SmartPages eliminates these hurdles by offering a streamlined, AI-driven solution that reduces the entire process to a matter of minutes.

Faster Setup Compared to Traditional Methods

According to Deep Agrawal, Vice President and Head of Payments at PhonePe, the company developed SmartPages to drastically cut down the time required for merchants to establish an online payment presence.

He highlighted that conventional methods of building a payment-enabled website can take hours, days, or even weeks. In contrast, SmartPages leverages automation to generate a ready-to-use payment page almost instantly, allowing businesses to start accepting payments without delay.

Seamless Integration with PhonePe Payment Gateway

Because SmartPages is built within the PhonePe PG ecosystem, merchants benefit from seamless access to a range of payment features. These include:

• Multiple payment options such as UPI, cards, and wallets

• Secure transaction processing

• Real-time analytics and insights

• Easy tracking of payments and customer data

This eliminates the need for separate integrations, making the entire setup process more efficient and user-friendly.

Growing Role of AI in Fintech Innovation

The launch of SmartPages highlights a broader trend in the fintech industry, where companies are increasingly incorporating generative AI into their products. By automating complex tasks, AI enables businesses to operate more efficiently and focus on growth rather than technical challenges.

For merchants, this means access to tools that were previously available only to larger enterprises with dedicated technical teams.

Future Enhancements and Personalisation Capabilities

PhonePe has indicated that SmartPages will continue to evolve with additional AI-driven features. Future updates may include the ability to analyse a merchant’s social media presence and past marketing campaigns to better understand their brand identity.

This would allow the platform to generate even more personalised payment pages, tailored to match the business’s tone, style, and customer expectations.

Such advancements could significantly enhance customer engagement and improve conversion rates by delivering more relevant and appealing payment experiences.

Enabling Smarter Digital Onboarding for Merchants

The company believes that SmartPages has the potential to simplify digital onboarding for businesses, especially those entering the online space for the first time. By reducing complexity and offering intelligent automation, the tool can help merchants quickly adapt to digital commerce.

Additionally, AI-generated payment interfaces can enable more customised interactions with customers, creating a smoother and more engaging transaction experience.

Conclusion

PhonePe’s SmartPages represents a significant step forward in making digital commerce more accessible and efficient. By combining artificial intelligence with intuitive design, the platform empowers merchants to create professional payment pages with minimal effort.

As fintech continues to evolve, tools like SmartPages are likely to play a crucial role in bridging the gap between technology and small businesses, enabling wider participation in the digital economy.