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
Availability init API
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 and after the VPA is submitted, the payment method determines which app should receive the notification and link the payments. - Payment confirmation
Transaction is approved in the UPI app. - Merchant notification
Merchant retrieves a token for future payments.
❗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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