UPI
Accept UPI payments in India with instant bank-to-bank transfers through a government-backed real-time payment infrastructure network
Unified Payments Interface (UPI) is India’s real-time payment system, launched by NPCI in 2016. It allows customers to link multiple bank accounts to a single app and make transactions using a Virtual Payment Address (VPA).
With UPI Intent, the customer selects their UPI app directly. On mobile, per-app buttons launch the mandate authorization flow. On desktop, a QR code generated from the Intent deep link is displayed for scanning. UPI Intent is the recommended integration.
With UPI Collect, the customer enters a Virtual Payment Address (VPA). The merchant sends a collect request, and the customer approves a push notification in their UPI app to complete the payment.
UPI Intent is the recommended integration for accepting UPI payments. It skips the VPA entry step, improves conversion on mobile, and supports QR-based payments on desktop. This is especially relevant as NPCI plans to deprecate UPI Collect.
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