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

MarketsIN
Processing currenciesGBP INR USD
Consumer currenciesINR
Settlement currenciesINR
Authentication methodsREDIRECT SCAN_CODE
Authentication timeout5 minutes
Minimum payment amount1.00 INR
Maximum payment amount100,00.00 INR
Payment instrumentPASSTHROUGH_WALLET
Recurring paymentsNo
Separate capturesNo
RefundFull - Partial - Multiple
Refund validity180 days
DisputesYes
Sandbox availabilityPPRO 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 FieldDescription
paymentMethodUPI
amount.valueThe amount to be paid in the smallest units of the currency used.
amount.currencyINR
consumer.nameFull name of the consumer.
consumer.countryThe 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&currency=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

  1. 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.
  2. The consumer will finalize the payment process on the redirected page.

SCAN_CODE

  1. Render the QR code using one of the techniques available.
  2. The consumer will scan the QR code to complete the payment.

Handling the payment result

REDIRECT

  1. Once the consumer has confirmed the payment, they are redirected to the returnUrl provided in the initial payment charge creation request.
  2. 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.
  3. 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

  1. 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.
  2. Webhooks are also sent to inform you of the payment outcome.