ISO 27001 & MSME
• WhatsApp

UPI Payments & AutoPay

UPI Integration: Intent, QR, Collect & UPI AutoPay

UPI is how most Indians prefer to pay. We add UPI to your checkout, app, invoices and counters with fast intent flows on mobile, dynamic QR codes for desktop and stores, and UPI AutoPay mandates for recurring payments, all confirmed on your server in real time.

  • Signature-verified webhooks
  • No card data on your servers
  • Reconciliation built in

What this covers

  • UPI Integration

Typical timeline

A standard gateway integration takes 1–3 weeks; payout, BBPS or AEPS platforms are delivered in phases.

Who it is for

Who our UPI Integration service is for

Businesses access UPI through a payment aggregator or a bank partner, and we integrate with whichever you use. The focus is conversion and certainty: fewer steps for customers, and payment status confirmed by server-side checks rather than screenshots.

Discuss your requirement
  • 01

    E-commerce and D2C brands optimising mobile checkout

  • 02

    Retail stores and restaurants wanting dynamic QR at the counter

  • 03

    Subscription businesses collecting recurring payments

  • 04

    B2B companies collecting invoice payments faster

Capabilities

What is included in UPI Integration

UPI intent flows

One-tap payment through the customer's UPI app on mobile web and apps.

Dynamic QR codes

Order-specific QR codes on screens, invoices and POS with automatic confirmation.

UPI AutoPay

Recurring mandates for subscriptions, EMIs and memberships.

Collect requests & payment links

Payment requests and links for invoices and remote collections where supported.

Real-time confirmation

Webhooks and status checks that update orders instantly, with no manual checking.

Reconciliation

UPI transactions matched to orders and settlements using UTR references.

How we work

A clear, step-by-step delivery process

You always know what happens next, who is responsible and what you will receive at each stage.

Typical timeline

A standard gateway integration takes 1–3 weeks; payout, BBPS or AEPS platforms are delivered in phases.

  1. 01

    Flow mapping

    Payment journeys, refund rules, settlement cycles and ledgers are defined.

  2. 02

    Sandbox build

    Integration built and tested end-to-end in the provider sandbox.

  3. 03

    Security review

    Webhook signatures, idempotency, secrets handling and access controls verified.

  4. 04

    Go-live

    Production keys, live test transactions and monitoring enabled.

  5. 05

    Reconciliation

    Daily settlement matching and alerting so every rupee is accounted for.

Deliverables

What you receive

  • UPI checkout integration
  • Dynamic QR implementation
  • AutoPay mandate flows
  • Real-time status handling
  • Reconciliation reports
  • Documentation and handover

APIs & platforms

Tools we work with

UPI via Razorpay, Cashfree or PayUBank UPI APIsDynamic UPI / Bharat QRUPI AutoPay mandatesWebhooksAndroid & iOS intentsPHP / Node.js

We recommend tools based on your scale, budget and existing systems, not on what is fashionable. Every choice is explained in the proposal.

Engagement models

Choose how we work together

Fixed-scope project

A discovery workshop produces a written scope, architecture and milestone plan with a fixed price before any build commitment.

Most chosen

Dedicated product team

A cross-functional squad (PM, engineers, QA, DevOps) working in two-week sprints on your roadmap, billed monthly.

Support & evolution retainer

SLA-backed maintenance, security patching and a monthly allocation of enhancement hours after go-live.

How pricing works: Integrations are quoted per gateway and flow (checkout, subscriptions, refunds, payouts, split settlements). Gateway transaction fees are agreed directly between you and the provider.

Get a quote

FAQs

UPI Integration: frequently asked questions

Can we integrate UPI directly with NPCI?

Direct NPCI connectivity is limited to banks and licensed entities. Businesses integrate UPI through a payment aggregator or a bank partner, which is what we implement for you.

What is UPI AutoPay?

It lets customers approve a recurring mandate once in their UPI app, after which payments are collected automatically as per the mandate, which is useful for subscriptions and EMIs.

How do we avoid fake payment screenshots?

Orders are confirmed only when your server receives a verified status from the gateway or bank, never from a customer screenshot. Staff see the confirmation in your system instantly.

Are there charges on UPI payments?

Charges depend on your gateway or bank agreement and the rules applicable to your merchant category. We integrate with whichever provider and pricing you choose.

Reply within one business day

Request a proposal for UPI Integration

Share a few details. A senior specialist reviews them and schedules a call to discuss scope, timeline and cost, with no obligation.

  • Written scope and fixed quote
  • NDA signed before you share sensitive details
  • Direct access to the people doing the work

By submitting you agree to be contacted about this enquiry. We never share your details.

EthicsComputer assistant
EthicsComputer Assistant
Online • Fast Response
Instant Scoping
Talk to Lead Architect
WhatsApp Chat
Direct Architect Scoping // Step 1 of 2

Request Fast Quote & Architecture SLA

Receive preliminary project architecture, pricing tiers, and timeline estimates within 15 minutes under strict NDA.

100% Mutual NDA Protected Step 1 of 2 (15 seconds)