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Spark is available from the search bar at the top of every Merchant Dashboard page. Instead of navigating to a specific page, filter, or workflow, type a question or use voice input, in English or in your own language, and Spark reads your account data, investigates, and acts on your behalf.
  • “Why did my settlement come in lower than expected?” Spark investigates your account data and explains the discrepancy.
  • “Why did this payment fail?” Spark finds the transaction and explains the failure reason.
  • “Refund the second one.” Spark resolves this against the failed payments it just listed, checks eligibility, asks you to confirm, and processes the refund.

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Try asking

Spark understands plain language questions about your business, including diagnostic questions that would otherwise take you across several dashboard pages to answer. Here are a few prompts to get started.
  • “Sales today”
  • “Why is today’s settlement lower than yesterday’s?”
  • “Next settlement”
  • “Refunds this week”
  • “Success rate”
  • “Check recent tickets”
  • “Create a 10% discount offer for all customers”

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How Spark works

Spark is built as a multi-agent system. An orchestration layer routes each request to domain-specific agents and their own tools, which lets Spark investigate a request and act on it, rather than only generate an answer.
  • Grounded: Every response is fetched live from the same services that power the dashboard, covering sales, settlements, refunds, disputes, and support tickets. If Spark cannot retrieve a figure, it says so instead of estimating one.
  • Gated: Reading is free. Anything that changes data or moves money requires your explicit confirmation, and Spark shows the exact steps it will take before you approve them.
  • Auditable: Spark follows the Merchant Dashboard’s existing authorization model. If your role cannot perform an action in the dashboard, it cannot perform that action through Spark. An alias user is limited exactly as they would be when clicking through the dashboard, and reporting actions stay restricted to account owners.
  • In context: Spark retains context within a conversation, so a follow-up such as “and refund the second one” resolves against what you were just looking at, without repeating earlier details.
Spark runs on Cashfree’s own infrastructure, inside your existing account and permissions. There is nothing to install, and Spark doesn’t create a separate copy of your data.

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Access Spark

You can open Spark from any page in the Merchant Dashboard by following these steps.
1

Open the search bar

Select the search bar at the top of the dashboard. It’s labelled Ask Spark about your business.
2

Enter your question

Type your question, or select the microphone icon to ask using voice.
3

Review the response

Spark opens in a side drawer with a response, rendered as metrics, tables, charts, or a proposed action. If you ask for a report, Spark returns a summary in the drawer with a link to download the full file. You can ask follow-up questions, expand the drawer to full screen, or start a new conversation at any time.
Spark generates responses from your account data for guidance only. Review any suggested action before you confirm it.

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What Spark can do

Spark supports answering questions about your business, investigating what happened, and taking action on your account.

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Query and diagnose

Ask Spark about your business performance, and it returns a structured answer with supporting charts or tables where relevant.
  • Sales totals, trends, and comparisons across time periods.
  • Settlement schedules and unsettled balances.
  • Refund volumes and patterns.
  • Payment success and failure rates, including why a specific payment failed.
  • Transaction breakdowns by payment method.
  • Support ticket status.
  • Dispute status and details.
  • Failed webhook deliveries and the reason each one failed.
  • Whitelisted domains and configured limits.
  • How a Cashfree feature works.

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Take action

Spark can also make changes to your account on your behalf. Before it does, it always presents the exact steps it will take and asks you to confirm.
  • Process a refund.
  • Create a new offer or coupon.
  • Pause an active offer.
  • Initiate an instant settlement.
  • Create a payment link.
  • Generate a report.
  • Cancel an order.
  • Replay a failed webhook.
  • Whitelist a new domain or adjust a limit.

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Use Spark

The following scenarios show how to use Spark for common tasks.

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Diagnostic scenarios

Get an instant read on how your business is performing today.
1

Ask

“Sales today”
2

Review

Spark returns your total sales for the day, compared to the previous day, along with a trend chart.
3

Refine

Ask a follow-up, such as comparing sales to the same day last week or breaking sales down by payment method.
Confirm when your funds will reach your bank account.
1

Ask

“Next settlement”
2

Review

Spark shows your upcoming settlement amount and date, your last settlement, and your current unsettled balance.
Track refund volumes against your normal range for a selected period.
1

Ask

“Refunds this week”
2

Review

Spark returns your refund total for the period and flags whether it falls within your normal range.
Compare your current success rate against the previous period and see where transactions drop off.
1

Ask

“Success rate”
2

Review

Spark returns your current success rate, compares it to the previous period, and breaks down the split between successful, dropped, failed, and pending transactions.
See which payment methods drive the most sales on your account.
1

Ask

“Show me a breakdown of sales by payment mode”
2

Review

Spark returns a split of sales across payment methods, such as UPI, cards, and net banking, with a chart and per-method totals.
Get a quick summary of your open and recently resolved tickets.
1

Ask

“Check recent tickets”
2

Review

Spark summarises your open and recently resolved tickets and offers to help move the oldest one forward.
Review a customer dispute without switching to the Disputes tab.
1

Ask

“Show me the dispute for order ORD789”
2

Review

Spark returns the dispute details, including the reason, the amount, and the date your response is due.
Get an answer from Cashfree product documentation without leaving the dashboard.
1

Ask

“How does instant settlement pricing work?”
2

Review

Spark answers using Cashfree product documentation and links to the relevant page for more detail.

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Action scenarios

Resolve a customer refund request directly from your conversation with Spark.
1

Ask

“Refund payment PAY456”
2

Review the plan

Spark checks refund eligibility, then confirms the amount it will refund.
3

Confirm or adjust

Select Yes, process it to proceed, or specify a different amount.
Set up a discount offer without leaving your conversation with Spark.
1

Ask

“Create a 10% discount offer for all customers”
2

Review the plan

Spark shows the exact configuration it will create, including the coupon code, discount value, eligible customers, and validity.
3

Confirm or adjust

Select Yes, create it to proceed, or describe a change you’d like instead.
Stop a live offer from accepting further redemptions, without affecting past ones.
1

Ask

“Pause offer OFF10”
2

Review the plan

Spark confirms which offer it will pause and clarifies that existing redemptions aren’t affected.
3

Confirm or adjust

Select Yes, pause it to proceed, or select Keep it live to cancel.
Move your available balance to your bank account ahead of your regular settlement cycle.
1

Ask

“Settle now” or “Instant settlement”
2

Review the plan

Spark shows the available balance, the instant settlement fee, the net amount, and the destination bank account.
3

Confirm or adjust

Select Yes, settle now to proceed.
Cashfree deducts instant settlement fees from the settled amount. Funds typically arrive in your bank account within 15 minutes of confirmation.
Get a reconciliation or summary report without opening the Reports section.
1

Ask

“Generate a settlement reconciliation report for last month”
2

Review

Spark generates the report and returns a summary with a link to download the full file.
Report generation is restricted to account owners, matching the Merchant Dashboard’s existing permissions.
Stop an order before it’s paid, without opening the orders table.
1

Ask

“Cancel order ORD12345”
2

Review the plan

Spark confirms which order it will cancel and that no further payments can be made against it.
3

Confirm or adjust

Select Yes, cancel it to proceed, or select Keep it open to cancel the request.
Catch a silent integration failure and resend it, without checking your webhook logs manually.
1

Ask

“Which webhook alerts to my system failed yesterday? Resend them.”
2

Review

Spark lists the failed webhook deliveries and the reason each one failed.
3

Confirm or adjust

Select Yes, resend them to proceed, or ask Spark to resend only specific ones.
Update an account preference without raising a support ticket.
1

Ask

“Whitelist checkout.mystore.com for webhooks”
2

Review the plan

Spark confirms the domain or limit it will update and the current value it will replace.
3

Confirm or adjust

Select Yes, update it to proceed, or describe a change you’d like instead.