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  1. UPI Integration: How to Integrate UPI into My Website or Mobile App?


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UPI Integration: How to Integrate UPI into My Website or Mobile App?

Table of Contents • • • • • • UPI integration is required for accepting payments directly from customers through UPI apps such as GooglePay, BHIM UPI, PhonePe etc. In this blog, we discuss the various types of UPI integrations [with screenshots of payment flow], suitability for your business and how to integrate UPI on your website or mobile application. Why Should You Do UPI Integration? UPI has clearly seen spectacular adoption as a P2P payment method, read more here: Parameters UPI NB Cards For Customers Payment information needed for checkout UPI ID-similar to email and4-digit MPIN Bank Login id andpassword,OTP or PIN 16-19 digit card number,CVV,Card expiry details,Cardholder name,OTP or ATM PIN Mobile Friendly Design High – Mobile first design Low Low For Business Settlement to a business account 1 Day 1-2 Days 1 Day 70-95%* 70-90% 70-90% UPI vs Net banking vs Cards As compared to other payment modes, UPI checkout flows are reducing the friction for customers and merchants which means a higher transaction success rate and money hitting the bank accounts faster. Choosing a Payment Service Provider for UPI Integration With all the stakeholders of the payments ecosystem – banks, payment apps and NPCI trying to innovate using UPI, there have emerged many ways to offer UPI as a payment option that is suited for different kinds of payments and platforms. Banks, Banks Pros: • Marginally better scope of • Banks, being directly connected to NPCI, provide the UPI SDK that conve...