Qitero Qitero

PhonePe

Country: India (IN)  |  Payment Rail: real_time_payment

DigitalWallet Market Adoption: 45%

PhonePe is India's leading digital payment app built on the UPI network, dominating instant bank transfers, bill payments, and merchant checkouts.

🔄 User Payment Flow

  1. Customer chooses PhonePe at merchant checkout
  2. Checkout redirects to PhonePe app or prompts with UPI collect request
  3. Customer reviews transaction details and authorizes payment using UPI PIN
  4. NPCI clears transaction in real-time and customer is redirected back

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment creation API to request PhonePe UPI transaction
  • PSP triggers collect request or QR code
  • PSP triggers real-time payment webhook callback once NPCI confirms clears

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Razorpay