UPI

UPI streamlines digital payments in India

Unified Payments Interface (UPI) API , India's premier payment solution, UPI, launched by the NPCI in 2016, enables seamless digital payments. Customers can link multiple bank accounts to a single app for P2P and P2M transactions using unique Virtual Payment Addresses (VPAs). Countries India (IN)

Currencies Indian Rupee (INR)

Min amount 10.00 INR Recurring Yes

Refund Yes

Partial refunds Yes

Multiple partial refunds No

Chargeback No

Principle of operation

Selection at checkout: Customer select UPI as the payment method.
Payment initiation: The transaction is approved via the customer’s UPI app.
Authentication and authorization: UPI Virtual Payment Address (VPA) is entered.
Payment confirmation: Transaction is approved in the UPI app.
Merchant notification: Merchant retrieves a token for future payments.

❗Recurring payments up to ₹15,000 can be processed without customer intervention. For amounts above ₹15,000, additional factor authentication (AFA) is required for each subsequent debit.

Current recurring flow:

Customer receive a pre-debit notification 24 hours before the scheduled charge.
- If the customer opts to decline the subsequent charge, a decline response will be returned.
- In cases where the customer does not decline the charge, a success response will be issued.

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