UPI

Features
Method	Async - GET Redirect
Merchant countries	Europe
Consumer countries	India
Processing currencies	USD
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	-
Min Amount	-
Max Amount	-
Account verification	-

UPI is a real-time payment that enables users to link multiple bank accounts to a single mobile application, facilitating seamless money transfers and payments.

When a consumer shops online using the UPI payment method, the merchant sends a payment request to the PSP. The consumer is then redirected to the UPI app to complete the purchase.

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "amount": {
        "value": 200,
        "currency": "usd"
    },
    "paymentMethod": {
        "type": "upi",
        "upi": {
            "returnUrl": "https://merchant.site/complete-payment",
            "billingAddress": {
                "country": "in"
            }
        }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}