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Payment group: Real-time banking
Payment product ID: 4101

The Unified Payment Interface (UPI), Developed by National Payment Corporation of India (NPCI), is a real-time payment system for consumers in India.

It is designed to enable peer-to-peer inter-bank transfers and payments to Merchants through a single two-click factor authentication process through the Mobile apps of the PSP providers.

The main instruments here are

  • VPA (Virtual Payment Address),
  • Account number & IFSC,
  • Mobile number,
  • QR Code,
  • Aadhaar (12 digit individual identification number in India)

which all are connected to the bank account.

Our solution supports payment with a redirect to the UPI app or by entering the VPA of the consumer. 

Key Features:

  • Auth currencies: INR​
  • No chargebacks and reversals 
  • Refunds supported 


  • Allows iframe
  • Cancel refund
  • Partial refunds
  • Redirect
  • Recurring
  • Refunds
  • Tokenization

Key benefits

  • No need to remember the Account Number or Card Number.
  • Instant transfer facility to merchant account.
  • Multiple apps to make payment using bank account.
  • QR code: Send money by QR code, which has enclosed VPA, Account number and IFSC or Mobile number.


We will be happy to help you get started.

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