Unified Payments Interface (UPI) is the preferred digital payment method of Indian consumers. An instant real-time mobile payment service that allows consumers to link multiple bank accounts in a single smartphone app and make bank transfers with just their unique UPI ID. Launched in 2016 by the Indian Government through its subsidiary NPCI, its primary goal is to drive India toward becoming a cashless society. 32 banks and 21 third-party apps support international merchant payments and there is an active consumer base of over 385 million users. UPI processes over 172 billion transactions annually.As the only provider of this future-proof cross-border solution for international merchants, PPRO removes the burden of cumbersome invoice and airway bill upload procedures, which in turn combats the high failure rate of OPGSP regulatory frameworks. In terms of the UX and conversion rates, the native solution will be the same as the domestic solution. And as PPRO manages the cross-border payment processing there are no local requirements for partners.This is the full list of banks and apps that UPI international transactions can be paid with https://www.npci.org.in/what-we-do/upi-global/upi-global-acceptance/live-members. PhonePE, BHIM and GooglePay are certified for cross-border transactions.These three apps make up 90% of the UPI consumer base. Learn more about UPI.

Payment method properties


Markets	`IN`
Processing currencies	`INR`\| `USD` \|`GBP`
Consumer currencies	`INR`
Settlement currencies	`USD`\| `Others`
Authentication methods	`REDIRECT` `SCAN_CODE`
Minimum payment amount	INR 1.00
Maximum payment amount	INR 1,00,000
Refund	Full - Partial - Multiple
Session timeout	30 minutes
QR Expiry Time	5 minutes
Refund validity	180 days
Captures	No
Chargeback	Yes
Sandbox availability	PPRO mock processor

Make a 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.

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.
paymentDescriptor	Description of the payment.
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": 10000,
        "currency": "INR"|"USD"|"GBP"
    },
    "consumer": {
        "name": "Jai Kumar",
        "email": "[email protected]",//optional//
        "country": "IN"|"US"|"GB"
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://amazon.com"
            }
        }
    ],
    "paymentDescriptor":"Description of payment"
}

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://amazon.com",
        "requestMethod": "GET"
      }
    },
    {
      "type": "SCAN_CODE",
      "details": {
        "codePayload": "upi://open/paymentrequest?amount=1000&currency=INR&from=QR",
        "codeImage": "https://qr.ppro.com/image.png?payload=aWQ9YWJjJmFtb3Vuk9VVNEJmZyb209UVI",
        "scanBy": "2023-03-24T20:24:27Z",
        "codeType": "QR"
      }
    }
  ]
}


{
    "id": "charge_1vcwzoSl0iE0j0uraK0rF",
    "paymentMethod": "UPI",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_cYz97ji2rhQqJZIVZFNWR",
    "currency": "INR"|"USD"|"GBP",
    "country": "IN"|"US"|"GB",
    "paymentDescriptor": "Description of Payment",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "name": "Jai Kumar",
        "email": "[email protected]",//optional//
        "country": "IN"|"US"|"GB"
    },
    "authenticationMethods": [
        {
            "details": {
                "codeType": "QR",
                "codeImage": "https://redirect.ppro.com/v0/qr-codes?redirection_token=eyJhbGciOiJIUzUxMiJ9.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.Ppj04zUOrz5K1fEFKTPOql9_BZvsinMZRHDX6OYrBv-SbmJfMBCu6avuo2FhzGUHUtIzyIDVN5yJ77yZolNJ-A",
                "codePayload": "upiGlobal://pay?QRexpire=2025-03-25T11:55:50+05:30&QRts=2025-03-25T11:45:50+05:30&bAm=0.51&bCurr=USD&brand=PPRO%20test%20merchant&category=02&cc=US&invoiceDate=2025-03-25T11:45:50+05:30&invoiceName=PPROtestmerchant&invoiceNo=charge_1vcwzoSl0iE0j0uraK0rF@redirections&mGr=ONLINE&mLoc=DE&mOnboarding=AGGREGATOR&mType=SMALL&mc=6012&mid=1234567&mode=22&msid=Store123&mtid=Terminal123&orgId=1900430001&pa=test123@pprousdsbi&pn=PPRO%20test%20merchant&purpose=62&qrMedium=06&tn=for%20demo&tr=charge_1vcwzoSl0iE0j0uraK0rF@redirections&txnType=PAY&ver=01&sign=MEUCIQD9+DQQSdCA6A731MqH3bIMH3jQTvkbsq2msY7E3w5/aAIgGnjO0pGKPNBeKC5L39MPpGQZWVEfXUVCcMXWAkOm1Xo="
            },
            "type": "SCAN_CODE"
        },
        {
            "details": {
                "requestUrl": "https://redirect.ppro.com/v0/pages/?redirection_token=eyJhbGciOiJIUzUxMiJ9.eyJzZXNzaW9uIjp7InIiOiJjaGFyZ2VfMXZjd3pvU2wwaUUwajB1cmFLMHJGIn19.OQuUMVJGJMxIh-0Z9HuqQnqplJOs-hWVD9F4ahQl8r7xMY3I9IVI44ncEJYerblxZ6zdRkXQQsBstuCCjpdGkA",
                "requestMethod": "GET"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_jfApivtr0jDPBe5MmWYeL",
            "amount": 10000,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2025-03-25T06:15:50.615Z",
            "updatedAt": "2025-03-25T06:15:50.615Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "voids": [],
    "createdAt": "2025-03-25T06:15:50.517Z",
    "updatedAt": "2025-03-25T06:15:50.615Z",
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_1vcwzoSl0iE0j0uraK0rF/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_1vcwzoSl0iE0j0uraK0rF/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_1vcwzoSl0iE0j0uraK0rF/refunds"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_1vcwzoSl0iE0j0uraK0rF/voids"
        }
    }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://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.