{"id":26542,"date":"2026-04-06T14:06:30","date_gmt":"2026-04-06T08:36:30","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=26542"},"modified":"2026-04-06T14:07:16","modified_gmt":"2026-04-06T08:37:16","slug":"upi-collect-vs-intent-flow-business-guide","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/upi-collect-vs-intent-flow-business-guide\/","title":{"rendered":"UPI Collect vs. Intent Flow: Which Payment Model Drives Higher Conversions?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">India\u2019s digital payments story has reached a record-breaking scale. As per December 2025 data, UPI crossed the milestone of over 21.6 billion monthly transactions, reinforcing its position at the heart of digital payments in India. This explosive UPI transaction volume in 2025 highlights one clear reality: UPI is no longer optional for businesses; it is essential.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yet, not all UPI payments follow the same path. Behind every successful checkout lies a technical choice between two primary models: UPI Intent and UPI Collect. One is user-initiated and mobile-first. The other is merchant-initiated and device-agnostic. Choosing the wrong flow for your audience can quietly reduce your transaction success rate and increase payment abandonment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At its core, the tension is simple: should the merchant \u201cpull\u201d money through a collect request, or should the user \u201cpush\u201d money through an app-triggered intent flow? This article breaks down the operational, technical, and behavioural differences between the two so you can optimise your UPI payment gateway setup for higher conversions and stronger performance.<\/span><\/p>\n<div style=\"border-left: 4px solid #0073aa; background: #f0f8ff; padding: 15px; margin: 20px 0; border-radius: 5px;\">\n<h2 style=\"color: #0073aa; font-size: 18px; margin: 0 0 8px 0; display: inline-block;\">Key takeaways<\/h2>\n<ul style=\"display: inline-block; margin: 0 0 0 10px; padding-left: 18px; vertical-align: top;\">\n<li>UPI Intent vs. Collect: Use intent for seamless mobile \u201cpush\u201d payments that auto-launch installed apps, and use Collect for desktop-based \u201cpull\u201d requests that require VPA entry.<\/li>\n<li>Higher Success Rates: Intent flow outperforms Collect by removing manual VPA typing and avoiding delays caused by notification dependency.<\/li>\n<li>User Preference Data: Over 86% of mobile users prefer Intent flow because it is faster and reduces user experience friction.<\/li>\n<li>Strategic Optimisation: Enable Smart Intent to detect installed apps and use strong VPA validation when Collect is unavoidable.<\/li>\n<li>Speed Advantage: In-app Intent solutions like Turbo UPI can be up to 5x faster, keeping users within one session and improving completion rates.<\/li>\n<\/ul>\n<\/div>\n<h2><b>What Is the UPI Collect Flow?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">UPI Collect is a merchant-initiated transaction, also known as a pull payment. In this model, the business sends a request to the customer asking them to approve payment from their bank account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how the journey works step by step:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The customer selects UPI Collect at checkout.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They manually enter their Virtual Payment Address (VPA).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The merchant triggers a collect request via the payment gateway.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The customer receives a UPI notification on their banking or UPI app.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The customer opens the app and approves the request using their PIN.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This flow is universal. It works on desktop websites, mobile web, and non-app environments. Because it does not depend on app-to-app communication, it remains essential in situations where customers are shopping on laptops or shared devices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, the model depends heavily on the correct VPA entry. A single typo can cause failure. This makes VPA validation a critical part of optimising collect-based payments.<\/span><\/p>\n<h3><b>How the Request-to-Pay Mechanism Works<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Behind the scenes, a technical handshake occurs between multiple entities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once the customer enters their VPA, the Payment Service Provider (PSP) validates it through NPCI infrastructure. This ensures the VPA exists and is active. After validation, the request is routed to the issuing bank.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The issuing bank then sends a UPI notification through SMS or push alert to the customer\u2019s registered device. The collect request remains time-sensitive, usually expiring within a few minutes. If the user does not approve in time, the request lapses and must be reinitiated.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because this mechanism relies on notification delivery and user response time, latency becomes a key issue. Delays in SMS or push delivery can reduce the overall transaction success rate.<\/span><\/p>\n<h3><b>Common Use Cases for Collect Flow<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">UPI Collect is most useful in the following scenarios:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Desktop e-commerce checkouts where QR scanning or app switching is not possible.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly bill payments where businesses initiate payment requests.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Subscription renewals and recurring service billing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Situations where the user is not actively transacting on a mobile device.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For businesses operating across devices, Collect acts as a dependable fallback.<\/span><\/p>\n<h2><b>What Is the UPI Intent Flow?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">UPI Intent is a user-initiated push payment. Instead of the merchant sending a request, the user actively selects and triggers payment from their device.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how the journey works:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The customer clicks \u201cPay via UPI\u201d.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The device shows installed UPI apps.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The customer selects one app.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The app auto-launches with pre-filled transaction details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The customer enters their UPI PIN to complete the payment.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">No VPA typing. No waiting for notifications. No device switching.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Intent flow relies on Android intent mechanisms and iOS deep linking to securely transfer payment data between apps. The payment request is pre-filled, reducing human error and improving user confidence.<\/span><\/p>\n<h3><b>The Technical Advantage of App-to-App Handoffs<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Intent flow works through direct invocation of UPI app package names on Android or URL schemes on iOS. The merchant app sends a signed request packet to the selected UPI app.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because this handoff happens locally on the device, there is no server-side waiting for notification delivery. This significantly reduces latency.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Security is also enhanced. Signed intent packets prevent tampering. Transaction details remain locked from initiation to authorisation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The result is faster completion, lower context switching, and fewer technical failure points.<\/span><\/p>\n<p style=\"text-align: center;\"><a style=\"background-color: #1a73e8; color: #ffffff; font-weight: 800; padding: 7px 15px; border-radius: 7px; font-size: 16px; text-decoration: none; display: inline-block; white-space: nowrap;\" href=\"https:\/\/razorpay.com\/payment-gateway\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=internationalpayments\">Explore Razorpay&#8217;s Payment Solutions<\/a><\/p>\n<h3><b>Smart Intent: The Next Evolution<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Modern UPI payment gateway providers offer Smart Intent functionality.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smart Intent detects only installed UPI apps on the customer\u2019s device. This prevents users from selecting apps they do not have, reducing unnecessary drop-offs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advanced systems can also prioritise apps with historically higher success rates. For example, if certain apps perform better during peak hours, the system dynamically reorders options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This intelligent filtering supports conversion optimisation by aligning technical routing with behavioural data.<\/span><\/li>\n<\/ul>\n<h2><b>Key Differences Between UPI Collect vs Intent Flow<\/b><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>Aspect<\/b><\/td>\n<td><b>UPI Collect<\/b><\/td>\n<td><b>UPI Intent<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Initiation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Merchant-initiated transaction<\/span><\/td>\n<td><span style=\"font-weight: 400;\">User-initiated push payment<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UX Steps<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Enter VPA \u2192 Wait \u2192 Open app \u2192 Approve<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Select app \u2192 Auto-launch \u2192 Enter PIN<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Latency<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Higher due to notification dependency<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lower due to direct handoff<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Error Risk<\/span><\/td>\n<td><span style=\"font-weight: 400;\">High (manual entry errors)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Low (pre-filled transaction)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Success Rate Potential<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Moderate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Higher<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Primary Platform<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Desktop &amp; Mobile Web<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mobile Apps<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">The UPI intent vs collect difference becomes clearer when analysing friction. Collect introduces manual entry and waiting. Intent removes both.<\/span><\/p>\n<h2><b>Why UPI Intent Drives Higher Success Rates<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Payment abandonment often occurs at friction points. In Collect flow, friction appears in three areas:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incorrect VPA entry<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missed or delayed notifications<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Context switching between apps<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each of these increases user experience friction and raises abandonment probability.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Context switching fatigue plays a major role. When customers leave your checkout page to wait for an SMS, distractions increase. The longer the wait, the higher the risk of drop-off.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Intent flow keeps the user within a single, continuous payment session. Pre-filled amounts eliminate mismatch errors and prevent reconciliation disputes.<\/span><\/p>\n<h2><b>Strategies to Maximise UPI Transaction Success<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">To improve payment success rate comparison outcomes, businesses should focus on infrastructure and gateway capabilities.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose a gateway supporting Smart Intent.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use strong VPA validation APIs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enable smart routing across banking partners.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Support mobile web UPI, not only native apps.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Offer instant refunds to maintain trust.<\/span><\/li>\n<\/ul>\n<h3><b>CHECKLIST \u2013 Payment Partner Evaluation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Look for these features:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smart Intent detection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">VPA Validation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uptime SLA transparency<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real-time analytics dashboard<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smart routing capability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instant refunds support<\/span><\/li>\n<\/ul>\n<h3><b>Leveraging Smart Routing and Analytics<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Dynamic routing allows systems to switch between banks during outages. If one banking node slows down, traffic automatically shifts to another.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Real-time analytics helps detect outages instantly. Businesses can react before widespread payment abandonment occurs. Data-driven insights also help prioritise high-performing UPI apps dynamically.<\/span><\/p>\n<h3><b>Optimising for Mobile Web and iOS<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Invoking Intent flow from mobile browsers requires deep linking compatibility. Advanced gateways bridge browser and app environments smoothly. iOS behaves differently from Android, especially with URL schemes. Strong cross-platform testing ensures reliability.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Supporting mobile web UPI ensures that even non-app users experience frictionless checkout.<\/span><\/p>\n<h2><b>How Razorpay Optimises UPI Flows for Higher Conversions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Razorpay enhances UPI optimisation with three core capabilities.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Turbo UPI Advantage:<\/b><span style=\"font-weight: 400;\"> Turbo UPI enables customers to complete payments within the merchant app. This 5X faster experience can improve success rates by around 10%.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Smart Intent Technology:<\/b><span style=\"font-weight: 400;\"> Smart Intent detects installed UPI apps such as Google Pay or PhonePe, reducing manual entry and improving mobile conversions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enhanced Collect Accuracy:<\/b><span style=\"font-weight: 400;\"> For desktop use cases, Razorpay\u2019s VPA Validation API verifies VPAs in real time, improving Collect success rates by approximately 3%.<\/span><\/li>\n<\/ul>\n<div style=\"background: #f5faff; border-radius: 14px; padding: 28px 24px; text-align: center; margin: 0; box-shadow: 0 8px 20px rgba(26,115,232,0.08);\">\n<h2 style=\"color: #1a73e8; font-size: 24px; font-weight: bold; margin: 0 0 10px 0;\"><strong>Ready to streamline your payments?<\/strong><\/h2>\n<p style=\"color: #444; font-size: 16px; max-width: 720px; margin: 0 auto 16px auto; line-height: 1.6;\">Scale your business with a gateway that supports 100+ payment methods, including UPI, Credit Cards, and Netbanking. Transition to a reliable infrastructure designed to improve transaction success rates and automate your daily reconciliation.<\/p>\n<p><a style=\"display: inline-block; background: #1a73e8; color: #ffffff; padding: 14px 26px; font-size: 16px; font-weight: bold; border-radius: 10px; text-decoration: none;\" href=\"https:\/\/razorpay.com\/payment-gateway\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=paymentgateway\">Get Started with Razorpay<\/a><span style=\"font-size: 19px; background-color: #ffffff;\">\u00a0<\/span><\/p>\n<\/div>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The choice between UPI Collect and Intent flow shapes your customers\u2019 payment experience and directly affects your revenue. Intent flow\u2019s smooth, mobile-first design improves conversion rates by reducing friction and keeping users engaged throughout the journey. For businesses focused on mobile commerce and higher payment success rates, Intent flow is often the stronger option.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That said, Collect flow still plays an important role. Desktop transactions, recurring payments, and cases involving non-smartphone users benefit from the flexibility it offers. Rather than relying on one method alone, businesses should deploy both where they perform best.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Payment optimisation is not a one-time task. Features like Smart Intent, real-time routing, and analytics help improve performance over time. As UPI continues to expand into new use cases, businesses that understand and refine these flows will be better positioned to grow in India\u2019s digital economy.<\/span><\/p>\n<h2><b>FAQs<\/b><\/h2>\n<h3><b>1. What is the main difference between UPI Intent and UPI Collect?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">UPI Intent automatically opens the user\u2019s payment app for a smooth checkout experience. In contrast, UPI Collect requires users to enter their Virtual Payment Address (VPA) and approve a payment request separately. Intent works as a \u201cpush\u201d payment, where users initiate the transfer, while Collect follows a \u201cpull\u201d model, where the merchant sends a payment request for approval.<\/span><\/p>\n<h3><b>2. Which UPI flow offers a higher transaction success rate?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">UPI Intent typically delivers higher success rates because it removes manual entry errors and reduces friction during the payment journey. It can achieve success rates of around 85\u201395%, compared to 75\u201385% for Collect flow, largely due to fewer drop-off points and no VPA entry mistakes.<\/span><\/p>\n<h3><b>3. How does the UPI Collect request process work for a customer?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In the Collect flow, the customer enters their VPA on the checkout page, receives a payment request in their banking app, and then opens the app to authorise the transaction. This process usually takes 60\u201390 seconds and requires switching between applications.<\/span><\/p>\n<h3><b>4. Do customers need to enter a VPA for UPI Intent transactions?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">No, the UPI Intent flow removes the need for manual VPA entry by directly opening the selected UPI app with pre-filled transaction details. Customers choose their preferred app, review the information, and complete the payment by entering their PIN.<\/span><\/p>\n<h3><b>5. When should a business use UPI Collect instead of UPI Intent?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">UPI Collect is best suited for desktop transactions or cases where the customer\u2019s device does not have a UPI app, making it a reliable fallback option. It is also useful for recurring payments, bill collections, and scheduled payment requests such as subscription renewals or utility bills.<\/span><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the main difference between UPI Intent and UPI Collect?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"UPI Intent automatically opens the user\u2019s payment app for a smooth checkout experience. In contrast, UPI Collect requires users to enter their Virtual Payment Address (VPA) and approve a payment request separately. 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This explosive UPI transaction volume in 2025 highlights one clear reality: UPI is no longer optional for businesses; it is<\/p>\n","protected":false},"author":173,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"class_list":{"0":"post-26542","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-payments"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/173"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=26542"}],"version-history":[{"count":2,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26542\/revisions"}],"predecessor-version":[{"id":26544,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26542\/revisions\/26544"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=26542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=26542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=26542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}