UPI

[ { "title":"Testing", "link":"https://docs.solidgate.com/payments/testing/", "text":"Simulate payments to test your integration before launching in production.", "imgSrc":"https://solidgate.com/wp-content/uploads/2022/06/icon-customizable.svg" } , { "title":"Create your payment form", "link":"https://docs.solidgate.com/payments/integrate/payment-form/create-your-payment-form/", "text":"Understand how to integrate the payment form into your product.", "imgSrc":"https://solidgate.com/wp-content/uploads/2022/06/icon-payments.svg" } , { "title":"Billing", "link":"https://docs.solidgate.com/billing/", "text":"Smart billing solutions designed for diverse business models.", "imgSrc":"https://solidgate.com/wp-content/uploads/2022/06/icon-global.svg" } ]

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UPI
UPI streamlines digital payments in India
Unified Payments Interface (UPI), 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).

Payment type Online

Payment flow Redirect

Integration type API Reference

Countries India (IN)

Currencies Indian Rupee (INR)

Min amount 29.50 INR

Recurring Yes

Refund Yes

Partial refunds Yes

Multiple partial refunds No

Chargeback No

Principle of operation
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  1. Selection at checkout
    Customer selects UPI as the payment method at checkout.
  2. Payment initiation
    Customer enters UPI Virtual Payment Address (VPA) and other payment data.
  3. Authentication and authorization
    After the VPA is submitted, the payment provider determines which app should receive the notification and link the payments.
  4. Payment confirmation
    Transaction is approved in the UPI app by the customer.
  5. Merchant notification
    Merchant retrieves a token for future payments.
Payment page example Payment page example Payment page example

When creating the initial payment, the amount to be debited for future subscription charges must be specified. This amount appears in the customer’s UPI app when the mandate, which authorizes subsequent payments, is created.

To ensure clarity for merchants, the amount for the product or subscription that the merchant plans to charge in future payments will be shown to the customer. This allows the customer to review the payment terms at the time of mandate creation.

For example, if the merchant has sold the customer a subscription plan for up to 3500 INR, the customer sees this amount at the time of mandate creation, along with a notice that payments may be up to 3500 INR.

Any payment below the amount specified in the initial request occurs without additional confirmation from the customer. However, the customer still receives notifications the day before the subsequent payment and can cancel the subscription at any time.

Additionally, customers can easily revoke the mandate/consent agreement at any time by logging into their app and Delete AutoPay. In such cases, the merchant will receive a specific decline for any subsequent payments.
Payment page example

Recurring payments
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❗Recurring payments up to ₹15,000 per individual transaction can be processed without customer intervention. For amounts above ₹15,000 per transaction, additional factor authentication (AFA) is required for each debit, and these are currently not supported.

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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