Depending on the use cases that you might have, Razorpay allows you to create any configuration of the payment methods, of your choice:
Highlighting certain payment instruments on the Checkout.
For example, Google Pay could be displayed outside the UPI block as a separate payment method. HDFC Netbanking could come out of the Netbanking container as a different payment method. Similarly, Freecharge can be pulled out of the wallet block.
Restricting the kind of network, issuer, BIN and card type, different card properties, to accept payments.
For example, you can choose to accept payments only from "HDFC Visa Debit cards" on the Checkout.
Removing a certain payment method or instrument.
For example, Freecharge can be removed as a payment method from wallets. The entire Netbanking block or a certain bank in Netbanking can be removed from the Checkout.
Reordering of payment methods on the Checkout.
You can choose to arrange UPI as the first section instead of Cards on the Checkout. You can again order the PSPs within the UPI block according to your need.
Grouping of payment instruments.
For example, you can choose to group Netbanking and UPI payment methods of a bank as a block that will be labelled as Pay via Bank on the Checkout.