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Enable UPI payments via apps like BHIM, PhonePe, WhatsApp, etc. by updating to our latest Android SDK.

Android SDK

Checkout using UPI

With our Checkout form, collecting UPI payments is as easy as it can get. Razorpay will send a collect request to the customer on their Virtual Payment Address (VPA).

Customer will receive a mobile notification in their UPI app. Accept it and the payment is complete!

And the best part? Not a single extra line of code is required for accepting UPI.

But what is UPI?

UPI is a payment system that allows you to transfer money between any two parties.
So it’s like NEFT/RTGS/IMPS?
Kinda, except it’s far more well defined and standardised across banks, which means you can inititate a bank account transfer from anywhere with a few clicks.
That’s cool, but how does it affect me?
UPI allows you to pay directly from your bank account to different merchants without the hassle of typing your card details, or netbanking/wallet password.
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Does it skip the OTP prompt I get?
Yes. It instead uses MPIN for 2-Factor Authentication instead of an OTP as 2FA is mandated by RBI.
I have never heard of an MPIN.
An MPIN is given to a banking customer once they register for Mobile Banking support. Chances are you have one already, but have never used it.
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How is it better than just using my Card?
Cards are a hassle to type on phones, and transmitting card data brings its own security problems. UPI bypasses all of these.
But won't merchant get my Bank Account Details?
UPI brings this awesome idea of "Virtual Payment Address" (Which looks like 'razorpay@hdfc').
You only give your merchant this address, and they can store your payment details against this. They never even get to see your bank account number.
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What if I switch banks?
Different banks will have different protocols for giving out these addresses, but they are considered to be revocable.
So, theoretically, you can even generate one-time virtual payment addresses (similar to bitcoin) if your payment service provider permits.
What is a Payment Service Provider?
Quite attentive you are! Currently, UPI permits all banks to be registered as Payment Service Providers (Which means they can run bank accounts), but this scope can get wider and perhaps even include wallets.
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How does this affect wallets?
For now, wallets are not included in UPI at all. Which means it is just a cross-bank transfer medium.
Hopefully, a lot of merchants will start accepting payments using UPI instead of plethora of wallets we currently have.
Makes sense to use your bank account directly for payments, doesn't it?
How does it show up in my bank account statement?
It will show up as an IMPS Bank transfer to the merchant bank account.
What is NPCI?
Thought you'd never ask. NPCI is the National Payments Corporation of India.
They run a lot of the payments infrastructure in India, including issuing RuPay Cards and making sure you can withdraw money from any ATM irrespective of the bank.
OK, I'm hooked. How do I use this?
UPI is now publicly available. Check if your bank has released an updated mobile app with UPI support already.
Sign up to start using it.
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FAQs from webinar

We conducted a webinar on UPI. You can view frequently asked questions (FAQs) related to UPI.

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During a transaction - I just need to mention my bank account and after that my MPIN?
Yes. The second factor in UPI will be an MPIN to start with, but it can also use AADHAR based biometric verification.
How can I leverage UPI to add recurring billing as a component in our product?
You can't as of now. This is however in the UPI vision document, and will hopefully be part of the next version release.
And if we have to enable in store payment facility for our users then how can we do it with UPI? Is there any hardware device we can make use of to process the payment?
Authorization in UPI always takes place in the customer's smartphone. As a result, you can initiate a collect request by asking the customer's identifier (Mobile, Aadhar, Bank Account, etc.) and the customer can authorize the payment by confirming the notification they receive on the phone.
What about 2FA in this case?
UPI is fully compliant with RBI's 2-Factor guidelines.
Why UPI? What is the ideal target transaction-demographic where we expect UPI to become the method of choice? For instance will it replace low-value cheque payments (B2B)? Or P2P payments?
UPI won't replace cash entirely, for one. P2P payments will become far more easier. Low value transactions initiated by merchants can be easily handled via collect requests in UPI. However, IMPS is still somewhat costly for large value transactions compared to RTGS/NEFT, and it might not have an effect there. Finally, online payments will be the most impacted market.
What will be the cost of using UPI for users? Will it be cheaper than IMPS?
Various banks are charging differently for UPI to businesses. However, in the pilot period, almost no banks are charging customers for P2P transfers.
If I can add a PNB account in HDFC app, how will UPI verify that the person adding the account is really the owner of the account
It will ask you to initiate a small amount transfer (<1 INR) from your PNB account using UPI itself to confirm that you have ownership of the account.
Is Account Number visible to the payee?
Depends on the Bank. Since it is an IMPS transfer, the bank is aware of the source of the money transfer. But it can decide not to show it to the Payee in this case
If I can add a PNB account in HDFC app, how will UPI verify that the person adding the account is really the owner of the account
It will ask you to initiate a small amount transfer (<1 INR) from your PNB account using UPI itself to confirm that you have ownership of the account.
Who settles the merchant payments at the end of the day?
There is no settlement happening under UPI, since it is a direct transfer from the customer's account to the merchant account.
If I can add a PNB account in HDFC app, how will UPI verify that the person adding the account is really the owner of the account
It will ask you to initiate a small amount transfer (<1 INR) from your PNB account using UPI itself to confirm that you have ownership of the account.
Which means nodal account needs to be present , If at all an MDR has to be collected per transactions from merchants. Which spoils the UX of instant credit like how it is in current scenario for IMPS?
UPI does not cater to the entire market and the needs of every merchant. For cases where you need Nodal Accounts (such as marketplaces), you can use UPI to get money into your Nodal Account and handle remittance at your end
How does NPCI plan to ensure the entry of MPIN is not compromised?
NPCI will provide a secure SDK for all 3 supported platforms (Android, Windows Phone, iOS) which will ensure that data is not tampered or compromised in transmission to UPI.
How does UPI stop me from adding my friend's account on my bank's app?
You need to initiate a successful small amount transfer from the account to prove ownership. You can't do that unless your friend gives you the MPIN for their account.
Will there be any device integrated with UPI which can be used by the merchants to accept in-store payments? A hardware device like a MSR?
UPI is betting on smartphone penetration in India. Third-parties can come up with dedicated hardware to initiate collect requests, but collect don't handle "security-critical data" (such as card numbers), you can easily initiate them with smartphones. As such, you'll see mobile applications, not hardware for supporting UPI.
Can UPI be as an intermediary merchant acc? Payer pays the UPI. then UPI settles the amount to Payee? Is this possible?
No. UPI does not run on an escrow model, which is obvious once you realize it runs on top of IMPS. As such, money is transferred from customer to the merchant directly
No. UPI does not run on an escrow model, which is obvious once you realize it runs on top of IMPS. As such, money is transferred from customer to the merchant directly
Yes, partially. It also brings collect requests, which can be a game changer for online payments in India.
Currently for IMPS, you need to know receiver's MMID+ Phone number, whereas in UPI, is just phone number (or any unique identifier) enough
Yes. UPI can act as a translation layer for different kind of addresses such as mobile or Aadhar Numbers
What will be incentive for small merchants and small service providers to use UPI if there is a cost involved, why will those who currently prefer cash economy?
The same reason that merchants accept Card Payments over PoS devices: convenience. Cash on Delivery is another huge issue in India, and UPI can help us in solving the problem.
What will happen if a Person has 2 Account which are linked to 1 mobile no how will the UPI resolve the Account no.?
Since UPI authentication requires access to Mobile Banking via the NPCI run NUUP service (*99#), customers can use the USSD service to decide the defaults.

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