UPI
Unified Payments Interface (UPI) is the preferred digital payment method among Indian consumers, with over 385 million users and more than 172 billion transactions processed annually, highlighting its widespread adoption and popularity. Learn more about UPI.
Payment method properties
Markets | IN |
Processing currencies | GBP INR USD |
Consumer currencies | INR |
Settlement currencies | INR |
Authentication methods | REDIRECT SCAN_CODE |
Authentication timeout | 5 minutes |
Minimum payment amount | 1.00 INR |
Maximum payment amount | 100,00.00 INR |
Payment instrument | PASSTHROUGH_WALLET |
Recurring payments | No |
Separate captures | No |
Refund | Full - Partial - Multiple |
Refund validity | 180 days |
Disputes | Yes |
Sandbox availability | PPRO mock processor |
Make an UPI payment
UPI is available through our standardized REDIRECT
and SCAN_CODE
flows. Enabling you to offer a seamless desktop or in-store QR code to mobile handoff experience.
To create a UPI payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges API:
Data Field | Description |
---|---|
paymentMethod | UPI |
amount.value | The amount to be paid in the smallest units of the currency used. |
amount.currency | INR |
consumer.name | Full name of the consumer. |
consumer.country | The country where the consumer is shopping. |
authenticationSettings: REDIRECT settings.returnUrl | Add the URL where the consumer should be redirected after they complete the payment. Required for the REDIRECT flow. |
Request:
{
"paymentMethod": "UPI",
"amount": {
"value": 100000,
"currency": "INR"
},
"consumer": {
"name": "John Smith",
"country": "IN"
},
"authenticationSettings": [
{
"type": "REDIRECT",
"settings": {
"returnUrl": "https://www.webshop.com/order-results-page"
}
},
{
"type": "SCAN_CODE"
}
]
}
Response
You'll receive our standard payment charge response (see potential responses in the API Reference) with the available authentication methods.
{
"id": "charge_X0O78tadFHrZCbGhkycPk",
"status": "AUTHENTICATION_PENDING",
// ...
"authenticationMethods": [
{
"type": "REDIRECT",
"details": {
"requestUrl": "https://redirection-target.ppro.com",
"requestMethod": "GET"
}
},
{
"type": "SCAN_CODE",
"details": {
"codePayload": "upi://open/paymentrequest?amount=100000¤cy=INR&from=QR",
"codeImage": "https://qr.ppro.com/image.png?payload=aWQ9YWJjJmFtb3Vuk9VVNEJmZyb209UVI",
"codeDocument": "cdn.ppro.com//linktocodedocument",
"scanBy": "2025-03-26T20:24:27Z",
"codeType": "QR"
}
}
]
}
Pick the desired authentication method
REDIRECT
- Redirect your consumer to the returned
$.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl
.
For example, with the value ofhttps://redirection-target.ppro.com/
using the returned$.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod
HTTP method. - The consumer will finalize the payment process on the redirected page.
SCAN_CODE
- Render the QR code using one of the techniques available.
- The consumer will scan the QR code to complete the payment.
Handling the payment result
REDIRECT
- Once the consumer has confirmed the payment, they are redirected to the
returnUrl
provided in the initial payment charge creation request. - After the consumer is redirected back to your site, check the payment status by making a GET /v1/payment-charges/{paymentChargeId}. Use the
Status
that you received to display the payment outcome to the consumer. - Webhooks are also sent to inform you of the payment outcome. If the shopper closes the browser and doesn't return to your website, you can rely on webhooks to receive the payment result.
SCAN_CODE
- Check the payment status by making a GET /v1/payment-charges/{paymentChargeId}. Use the
Status
that you received to display the payment outcome to the consumer. - Webhooks are also sent to inform you of the payment outcome.
Updated 9 days ago