Key Takeaways
- Most businesses integrate UPI through payment gateways or payment aggregators.
- UPI intent flow gives the best mobile experience.
- UPI AutoPay enables recurring payments for subscriptions and EMIs.
UPI handles a huge share of digital payments in India. A smooth UPI flow improves conversion.
Integration options
| Flow | Use |
|---|---|
| UPI intent | Opens UPI app on mobile |
| QR code | Desktop and in-store |
| Collect request | Request to UPI ID (availability varies with regulations) |
| UPI AutoPay | Recurring mandates |
Best practices
- Use server-side webhooks to confirm payments
- Handle pending and timeout states
- Reconcile daily with settlements
- Clear refund flows
- Show UPI apps the user has installed
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Frequently Asked Questions
How do I add UPI to my website?
Through a payment gateway or aggregator that supports UPI flows and webhooks.
What is UPI AutoPay?
A mandate system for recurring UPI payments such as subscriptions and EMIs.
How do I confirm UPI payments?
Use gateway webhooks and status APIs, not just the client-side response.
Are there UPI charges?
Merchant pricing depends on regulations and provider terms; check with your gateway.
