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Partner Support UPI Payment Gateway
Collect and Disburse UPI Payments
Collect and Disburse UPI Payments
The widest range of business applications of UPI for businesses UPI payment gateway, QR code checkout, deep linking APIs, API for bulk UPI payments and more...
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UPI PAYMENTS
Basic Glossary
UPI
Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India (NPCI), a private organisation, that facilitates inter-bank transactions
UPI VPA
UPI VPA or UPI Virtual Payment Address is an address that identifies individual/business on UPI (typically name@bankname). Think of it like an email ID for your money. It will be a unique identifier that your bank uses to transfer money.
UPI 2.0
UPI 2.0 is an upgrade on the Unified Payments Interface (UPI) and was launched in August 2018. UPI 2.0 has additional features such as option to link UPI-account with customer’s overdraft (OD) account, one-time payment blocking option and invoice approval mechanism.
UPI PAYMENTS
Applications for Businesses
UPI has set a wave of innovation in the online payments space. Modern payment players and businesses are exploring new ways to use UPI infrastructure for evolving payment needs
UPI Payment Gateway Integration for Website
To accept payments via UPI Apps like PhonePe, Google Pay, Paytm etc, you can integrate with a payment gateway that supports UPI flow.
Cashfree Solution: Cashfree offers UPI collect request flow that enables businesses to accept payments. This feature works across web, iOS & Android.
Learn More ➜Front end integration
User Flow
User comes to Cashfree checkout page
User selects UPI as payment mode and enters VPA
Gets notification
Makes payment
Backend integration
Process Flow
Invoke our API with a customer’s VPA to send collect request to the customer’s app
Once the payment is done, we will notify our merchant partner via webhook
UPI Payment Gateway Integration for Mobile App
Mobile app UPI integration is a way to enable businesses to provide a faster checkout experience for mobile web or app users.
Cashfree Solution:Cashfree offers two mobile flows - intent and PSPs App SDK flow.
Intent Flow
Light to load. Works only on Android. User is sent to the PSP app and needs to enter a UPI VPA.
User Flow
User selects UPI as payment mode and enters VPA
All UPI apps on user’s mobile show up in list form
User selects app & is taken to respective PSP App
Makes payment
Cashfree’s Solution: Cashfree offers intent flow that is easy to integrate and supports all UPI apps.
Check Documentation ➜PSP app SDK flow
Works on both Android and iOS, Heavy to load as compared to intent flow.
User Flow
User selects UPI as payment mode
All UPI apps supported on phone shows on merchant mobile app
User makes payment without going to PSP app and without entering UPI VPA.
Cashfree Solution: Cashfree offers UPI SDKs that include SDKs from all popular PSP apps like Google Pay, PhonePe, Amazon Pay. By integrating with Cashfree’s SDK, a merchant can choose and use any of these SDKs. The SDKs open within the app, so that the customer do not need to leave merchant’s app (on both Android and iOS).
Check Documentation. ➜
Google Pay, PhonePe, Amazon PayWant to collect or
disburse UPI payments?
UPI Payment link or Deep link
UPI payment link enables businesses to generate a link that can be shared easily with their customers.
User clicks on payment link
Window pops up showing all installed UPI apps on phone
User selects app and payment approval screen shows up
User makes transaction
While payment links are easy to generate and share over different channels, powerful APIs can be used to automate the process.
Cashfree Solution: Cashfree offers UPI payment linking APIs that are easy to integrate. Embed links on your website or mobile application and allow your users to pay without entering the amount.
UPI AutoPay
AutoPay is a feature that allows customers to enable e-mandate using any UPI application without having to enter a PIN. With UPI AutoPay businesses can create subscription plans for customers and automatically debit weekly/monthly/yearly payments via UPI.
Create a plan
Start a new subscription by adding a user and share the one time authorization link
User enters UPI ID, opens UPI app, enters PIN to confirm
Virtual UPI Addresses for Reconciliation
For offline UPI payment use cases, such as school fee payments, short-term loan repayments, apartment fee maintenance etc.the payee merchant can share their UPI ID with the payer, but reconciling received payments with bank statements can be a tedious job.
Cashfree’s Solution
Auto collect
First-of-its-kind UPI payments collection & reconciliation
Generate unique virtual UPI IDs for each invoice/payer/campaign. Opt for fully numeric/branded UPI IDs - easy to remember, easy to share
The payer can pay via any UPI app.This includes Whatsapp, GooglePay, Paytm, Phonepe
Match every payment with invoice/payer/campaign and automate the manual reconciliation process
Payments Using UPI Dynamic Universal QR Codes
UPI Quick Response (QR) Code is a unique graphics code that helps to accept UPI payments when scanned with a compatible mobile phone.
A unique QR code is created for each order during checkout. The amount is autofilled. The customer opens any UPI mobile app, scans the QR Code and pays.
Cashfree’s Solutions: Cashfree offers dynamic QR codes that can be shown at the time of checkout on the web/mobile app. Cashfree’s QR codes work across all UPI apps.
Check Documentation ➜Want to collect or
disburse UPI payments?
Verify UPI ID and Linked Bank Account Number
To check if a UPI ID is valid, people can make a small amount transfer.Verification involves verifying if the UPI ID is valid and also if the name of the account holder is the same as in the bank’s records.
Cashfree’s Solution
UPI ID Verification
With Cashfree, verifying UPI IDs is easy. Just enter a UPI ID to know if the ID is valid and in the registered name of the payee.
Learn More ➜-
Real-time,
works 24x7 -
Integrate API
for automation -
Or upload Excel file
via the dashboard
Automate UPI Payment Disbursals with the Dashboard or API
In addition to P2P (Peer to Peer) and P2M (Peer to Merchant), businesses are now also making UPI transfers in bulk to other businesses or individuals.
Cashfree’s Solution
Payouts
A simple way to send money directly to any number of virtual UPI IDs, in real time
Learn More ➜-
Real-time,
works 24x7 -
Integrate API
for automation -
Excel file upload
on the dashboard
Tip: With Cashfree Payouts, make 1000+ transactions at a time, much higher than the UPI transaction limit.
When UPI ID is not known
UPI payments are fast and hassle-free, but what if the receiver’s UPI ID is not known?
Cashfree’s Solution
Cashgram
Cashgram is a web link that businesses can use to send or receive money on the preferred payment mode - UPI wallet, Paytm wallet, Amazon Pay wallet, bank account or debit card.
Create a Cashgram link and send to recipient’s email and phone.
Recipient enters their bank account/UPI ID/Paytm no./Debit Card.
Recipient receives a payout in her preferred account.
Tip: Use Cashgram for payouts to marketing affiliates, to distribute prize money, to process refunds or to reimburse expenses.
Learn More ➜
Want to collect or
disburse UPI payments?
UPI Payment FAQs
UPI or Unified Payment Interface is the payment technology developed by National Payments Corporation of India (NPCI), using the IMPS infrastructure. An individual or business having a mobile number linked to a bank account can generate a UPI VPA and make payments to another UPI ID or bank account.
BHIM was the first UPI app launched. Later, other payment players like Google Pay, PhonePe, Paytm entered the market and allowed UPI payments directly to a registered mobile number or UPI VPA, and also by scanning a QR code using a smartphone.
When you sign up with Cashfree, you get access to a toolkit that lets you use the UPI infrastructure for all your payment needs - verification, collection, reconciliation and disbursal.
The UPI transaction limit is Rs. 1 lakh per transaction, as set by NPCI. The UPI transaction limit per day varies from bank to bank since NPCI has not issued any regulation on this aspect. For example: at SBI, the limit per day is Rs. 1000, while at Bank of Baroda, it is Rs 50,000. Here is a list of 105 Indian banks that shows the UPI transaction limit per transaction, per day, per week and per month.
Additionally, for peer to peer, the UPI payment limit is 10 transactions, but this is not applicable for peer to merchant UPI payments.
The UPI payment limit does not apply to a business using Cashfree solutions, i.e when you pay to a user/customer to their UPI VPA, you can make thousands of transactions of any amount. However, as a merchant, you can define the transaction limit in terms of the frequency as well as the amount.