As a product-first company, Razorpay intends to deliver unique products that would help our customers forge a relationship with their users. For us, it’s not just a marketing innuendo or a fancy statement, we have chosen to stick with innovation and user experience.  

Today, we are here to talk about how building solutions for new customer demands is still our priority, and yes, there’s a significant update from our UPI offerings.

Recently, we’ve observed that 86 percent of Razorpay’s users prefer the UPI intent payment flow over the UPI collect payment flow.

UPI Intent iOS

UPI intent is very popular with Android users because it enables them to make payments from any UPI PSP apps installed on their mobile phone.

Whereas, an iOS user moves around the selected app, UPI PSP app and SMS for making a payment, which also increases the chances of a payment failure.

Without twisting the plot much, let’s say that we’ve taken care of the business for you. We are glad to announce that iOS users can also join their android pals and avail the benefits of UPI intent.

Yes, Razorpay is the first payment aggregator to release this feature.

What is UPI intent? 

The UPI intent flow is a checkout experience that allows users to make payments from any UPI PSP app.

By enabling the UPI Intent as the payment method, businesses can simplify the UPI payments process for their customers.

Understanding The UPI Intent Flow

Step 1: A customer selects UPI as the payment mode in any app or website

Step 2: The list of UPI apps (that supports intent flow) installed on their phone pops up

Step 3: Customers select their favourite app

Step 4: The application opens with filled payment details 

Step 5: Customer enters the UPI PIN and completes the process

Step 6: The customer is redirected to the selected app for payment confirmation

Learn how to accept payments via UPI without glitches.

How will UPI Intent flow help iOS users? 

Payments in iOS are supported via ‘Collect flow’. For example, an iOS user has to enter the VPA to make a payment, whereas, an android user can get away by clicking on the installed UPI App.

With the introduction of UPI intent flow for iOS, businesses can offer flexibility to their customers.

UPI Intent Vs UPI Collect 

UPI Intent UPI Collect
  • Click and pay
  • User needs to enter UPI ID/VPA to initiate payment. 
  • >20% users often end up entering incorrect VPA
  • Switching between shopping app, UPI PSP app and SMS is a thing of the past.
  • Seamlessly switch between apps
  • Involves a lengthy flow
  • Users can choose any UPI app on their mobile 
  • Many background API calls and SMS notifications
  • Ease of making payment and better user experience results in higher conversion rate
  • Delay in SMS/ app notification can lead to an unsatisfactory user experience

End result: A higher conversion rate, decrease in abandoned carts and time to complete the payment. And finally, the cherry on a sundae–better user experience for your customers. 

No more push/SMS notifications for customers. No more wandering between apps to complete payment.

The overall process will become significantly smoother, which will also increase the adoption/usage of UPI as a payment option. 

UPI intent flow on IOS will be available for Google Pay, Phonepe, PayTM, and BHIM. Additionally, NPCI is also working with Apple to figure out a solution to support App-to-App scanning, which means in near future UPI intent will be available for all UPI Apps on iOS. 

Yeah, sounds swell?

Reach us here, if you want to offer your customers the best checkout experience. 

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Shubham Bisht
Author

Shubham is a Senior Product Manager at Razorpay and manages UPI Payment. Before moving to Product Management, he has worked on Particle Physics at CERN and ETH Zurich.

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