---
title: "UPI"
canonical_url: https://docs.connect.worldline-solutions.com/payment-product/upi/overview
---

* [Overview](https://docs.connect.worldline-solutions.com/payment-product/upi/overview.md)
* [Countries \& currencies](https://docs.connect.worldline-solutions.com/payment-product/upi/countries-and-currencies.md)
* [Integration](https://docs.connect.worldline-solutions.com/payment-product/upi/integration.md)
* [Process flows](https://docs.connect.worldline-solutions.com/payment-product/upi/process-flows.md)
* [Testing](https://docs.connect.worldline-solutions.com/payment-product/upi/testing.md)
* [Additional information](https://docs.connect.worldline-solutions.com/payment-product/upi/additional-information.md)
* [Reporting](https://docs.connect.worldline-solutions.com/payment-product/upi/reporting.md)

# Overview

Payment group: [Real-time banking](https://docs.connect.worldline-solutions.com/payment-methods/view-by-payment-product?payment-method=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

# Features

* Allows iframe
* Cancel refund
* Partial refunds
* Recurring
* Redirect
* 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.

# Boarding

UPI has a simplified boarding process:

* Our merchant onboarding team completes the boarding form \& submits it to UPI.
* UPI completes the registration process.
* Worldline configures pre-production and production credentials for you.
* You run the end-to-end testing with the support of our merchant implementation team.
* Go live.

For other questions, you can always contact the boarding team to help you out.

[Contact us](https://docs.connect.worldline-solutions.com/support/contact/.md)
[Next Countries \& currencies](https://docs.connect.worldline-solutions.com/payment-product/upi/countries-and-currencies.md)