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UPI (Unified Payments Interface) enables instant bank-to-bank transfers in India. Customers pay using their UPI ID or by scanning a QR code with their UPI app (Google Pay, PhonePe, Paytm, etc.).

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Availability

UPI is available on all browsers and devices, but only for transactions in India.
PlatformAvailability
Desktop browsersYes
Mobile browsersYes
iOS appsYes
Android appsYes
const available = await engine.checkAvailability();
if (available.includes('UPI')) {
  // Show UPI button
}
UPI is only available for INR transactions with Indian bank accounts.

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Requirements

UPI requires:
  • A UPI provider account (see UPI Setup), configured as a UPI eWallet account in Orchestra Portal
  • Transaction currency must be INR
  • Customer must have a UPI-enabled bank account in India
// Server-side session creation
const session = {
  operation: 'CHARGE',
  paymentGatewayAccountId: 'your-psp-account',
  allowedeWalletAccountIds: ['your-upi-account'],
  allowedBrands: ['VISA', 'MASTERCARD', 'AMEX'],
  amount: 999.00,
  currencyCode: 'INR',
  countryCode: 'IN',
  mode: 'LIVE'
};

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Button Setup

<div id="upi-button"></div>

engine.payBy(
  [{ name: 'UPI', domEntitySelector: '#upi-button' }],
  handleResult,
  { color: 'Dark', text: 'Pay' }
);

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How It Works

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On Mobile

  1. Customer clicks the UPI button
  2. Customer’s UPI app opens (or they choose from installed apps)
  3. Customer reviews payment details and enters UPI PIN
  4. Payment is processed instantly
  5. On completion, results are returned to the client, ready to be sent to your server for validation

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On Desktop

  1. Customer clicks the UPI button
  2. A QR code is displayed
  3. Customer scans the QR code with their UPI app
  4. Customer reviews payment details and enters UPI PIN
  5. Payment is processed instantly
  6. On completion, results are returned to the client, ready to be sent to your server for validation

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Supported Operations

OperationSupportedDescription
CHARGEYesProcess payment immediately
TOKENIZENoNot supported
CHARGE_AND_TOKENIZENoNot supported
UPI only supports immediate charges. Tokenization is not available for UPI payments.

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Transaction Limits

UPI has per-transaction and daily limits set by banks:
  • Per transaction: Typically ₹1,00,000 (varies by bank)
  • Daily limit: Typically ₹1,00,000 - ₹2,00,000 (varies by bank)

UPI Setup

Configure UPI credentials

Result Handling

Parse payment results