About Turbo UPI

Integrate with Turbo UPI to provide a 2-step UPI payment experience.

Use Razorpay Turbo UPI to make UPI payments faster. Following are the sample screens while making payments using Turbo UPI.

Razorpay Turbo UPI Payment Flow

  • Simplified payment process with just two steps.
  • Higher success rate.
  • One stop for refunds and disputes.

What's New

Users can now link their credit cards alongside bank accounts during onboarding. Merchants can seamlessly retrieve both credit cards and bank accounts for transactions. Simplifying payments, expanding options, and ensuring security.

Watch Out!

Charges will be levied for payments made using CC on UPI. Contact the

for further information.

Watch Out!

Due to the sensitive nature of the added libraries, we must ensure that the app is running in a proper environment. Therefore, after integration, the app will not run on Android emulators.

Watch Out!

  • Use the rzp_test_0wFRWIZnH65uny merchant key for testing on the UAT environment and the for prod testing.
  • As a compliance requirement, you need to get approval from Google for READ_SMS permission. Refer for more details.

Your customers can link their credit cards and bank accounts to your app with these steps:

  1. The customer navigates to your app's checkout screen and taps Link bank a/c & credit card.

    Turbo UPI Add Bank Account

    Handy Tips

    The customer needs to give allow SMS permission so that we can validate the phone number with the bank.

    Turbo UPI SMS Verification
  2. The customer's bank and credit card details are fetched and linked to the app.

    Turbo UPI Fetch Bank Account
  3. The customer selects a bank or credit card from the list of banks. The top 8 banks are displayed for easier selection.

    Turbo UPI Select Bank Account

Handy Tips

If no UPI PIN is set, the customers are prompted to provide their card details (debit or credit), to enter an OTP and complete the set-up.

Turbo UPI Enter Card Details

This completes the onboarding.

After the customer is onboarded, on the checkout page of your app:

  1. The customer selects the linked bank or credit account.
    Razorpay Turbo UPI Payment Flow
  2. The customer enters the UPI PIN to complete the payment.
    Turbo UPI Payment Successful

Is this integration guide useful?