UPI
Country: India (IN) | Payment Rail: real_time_payment
RealTimePayment
Market Adoption: 75%
UPI is India's real-time bank-to-bank instant payment system, allowing secure transactions via virtual payment addresses and QR codes.
๐ User Payment Flow
- Merchant checkout generates a dynamic UPI QR or triggers UPI Intent redirection
- Customer opens or gets redirected to their UPI payment application (PhonePe, GPay, Paytm)
- Customer confirms the payment amount and enters their secure 4 or 6-digit UPI PIN
- Customer's bank transfers funds instantly to merchant account
โ๏ธ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
๐ ๏ธ Merchant Integration Steps
- Merchant initiates transaction via PSP UPI endpoint
- PSP triggers intent payload or QR code string
- PSP receives instant clearance hook from NPCI network and triggers order success webhook to merchant
๐ Supported Payment Gateways & Acquirers (PSPs)
๐ PayU๐ Checkout.com๐ Antom๐ ๆฑไปๅคฉไธ๐ ้่ๆฏไป๐ ่ฟ่ฟๆฐๅญ๐ Payoneer๐ ๅ่ๆฏไป๐ Skyee๐ Razorpay๐ PingPong๐ iPayLinks๐ Nuvei๐ Airwallex๐ Adyen๐ ไธ้ๆฑ๐ ๆๅฎๆฏไป