Developed by the National Payments Corporation of India (NPCI), UPI or Unified Payments Interface is a payment system that facilitates real-time and instant inter-bank peer-to-peer (P2P) and person-to-merchant (P2M) transactions.
Since its inception, UPI has witnessed increased adoption among users and become one of the most preferred payment methods. In 2021, more than 3,800 crore UPI transactions worth Rs. 73 lakh crore were conducted.
NPCI is now waiting for approval from the Reserve Bank of India to enable UPI Wallets for low-volume offline transactions. Once it is approved, the platform is expected to hit 100 crore transactions per day.
UPI Payment Gateway by Paytm
Looking at the growing popularity of UPI among users for making payments, it is a good strategy for businesses to add this payment method to their websites and apps.
Paytm also offers UPI payment solutions as a part of our payment gateway offering. Thousands of businesses trust our UPI offering for the following reasons:
- We offer intuitive UPI flows aimed at delivering frictionless payment experiences
- We enable businesses to let their customers pay via their preferred UPI method – UPI ID, UPI apps or UPI-linked bank accounts
- We offer industry-high success rates on UPI payments
- We charge 0% MDR on UPI payments
- We give businesses access to the vast Paytm customer base
We have explained in detail about our UPI solutions in our blog – Leverage UPI Payment Gateway for Your Online Business with Paytm.
How to integrate UPI payment gateway in website
If you want to integrate UPI into your website, Paytm Payment Gateway offers you the following solution:
UPI Collect via JS Checkout
JS Checkout is an ideal solution if you want to start accepting online payments on their website with minimal coding. It offers a high level of customization with no redirection to bank pages and enhanced brand visibility.
Moreover, you can do all this by simply integrating a few lines of the code snippet written by Paytm exclusively for you.
JS Checkout allows you to:
- Start accepting payments within minutes by integrating a few lines of the code snippet written by Paytm just for you
- Design the payments screen as per your brand. So you can adjust the header, change the background, and choose the text color according to your brand theme
- Remove redirections and complete payments on your payment page thereby, improving the transaction success rate
- Display your brand logo on the payment page, which in turn enhances your brand visibility
- Control payment method sequencing. For example, if you want to promote UPI over Debit Card or any other payment mode on your payment page, you can do so with JS Checkout
You can learn more about JS Checkout and the overall integration process here.
Also Read: JS Elements: Offer Native Checkout Experience with Least Tech Effort
How to integrate UPI payment gateway in mobile app
If you want to integrate UPI into your mobile app, Paytm Payment Gateway offers you the following solution:
UPI Intent Integration
UPI Intent is an ideal solution for businesses that want to give their customers the flexibility to make payments from any UPI PSP apps available on their mobile.
With UPI Intent Integration:
- You can offer a better payment experience to customers who prefer UPI payments
- Your customers do not have to their VPA for making UPI payments
- Your customers do not have to juggle between your business app, their preferred UPI PSP app, and the SMS app for making UPI payments
- You can increase the conversion rate for your business by simplifying payments and offering a better user experience to customers that prefer UPI payments
Types of UPI Intent Integrations:
Paytm offers UPI Intent integration for your customers using Android or iOS devices.
Integration on Android platform:
You can integrate the UPI Intent solution into your Android-based business app or mobile website. The payment process includes several steps, a lot of back and forth between the app or mobile web and backend servers, and API calls.
The steps involved may be many, but the UPI transactions take only a few seconds on the front-end.
You can check the detailed information on the integration steps here.
- UPI Smart Intent
UPI Smart Intent was introduced for the Android platform to improve the payment experience currently offered by the UPI Intent flow solution.
UPI Smart Intent further optimizes the customer experience on the business app by displaying all the UPI payment-ready apps that the customer uses on the checkout page.
The solution significantly improves the transaction success rate and offers higher visibility to UPI payment-ready apps.
You can check the process for implementing UPI Smart Intent on a checkout page here.
Integration on iOS platform
With UPI Intent, you can offer your customers the ease of making payments via UPI Apps on iOS as well. As part of this integration, the Paytm Payment Gateway returns you the list of the UPI Apps which support the UPI Intent payments on the iOS platform.
The integration flow also lets you check if a user is payment ready or not on the Paytm app.
You can check the UPI Intent integration steps for the iOS platform here.
UPI Collect or UPI InApp via All-In-One SDK
All-In-One SDK is an ideal solution for businesses that want to offer their customers a swift, secure, and seamless payment experience. It lets you invoke the Paytm app installed on your customer’s smartphone to complete payment.
If a customer does not have the Paytm app installed on their smartphone, you can process the payment via web view within the All-In-One SDK.
With All-In-One SDK:
- You can support UPI onboarding for your customers who want to link their UPI account for payments
- You do not need OTP-based linking of the Paytm users’ accounts for customers already logged onto the Paytm app
- You can enable seamless payments with no redirection to a web page if your customers have the Paytm app is installed on their smartphones
- Your customers can access their payment sources saved on the Paytm App on your business app
- You can reduce the transaction time since your customers get access to the saved payment instruments without requiring them to log in to the Paytm app
- You can increase the overall transaction success rate
- The SDK integration is easy, and we offer SDK supports for both Native and Hybrid apps
- You get complete flexibility to show single or multiple payments sources to customers on the Paytm app
Types of All-In-One SDK Integrations
Paytm offers All-In-One SDK integration for apps built on native and hybrid frameworks.
For the apps built on native frameworks, you can integrate the All-In-One SDK via:
SDK-based integration:
You can integrate a lightweight SDK into your business app that checks and invokes the Paytm app downloaded on the customers’ devices. However, if your customers do not have the Paytm app installed, the transaction is processed via a web view.
You can check the integration steps in detail here.
Non-SDK-based integration:
For those who do not wish to integrate the SDK into their business app, Paytm provides a deeplink through which you can invoke the Paytm app.
You can check the integration steps in detail here.
For apps built on a hybrid framework, you can integrate the All-In-One SDK via:
Hybrid apps integration:
If your app is built on any of the following hybrid platforms, Paytm provides a bridge to help you easily integrate the All-In-One SDK into your business app.
You can click on the individual platform links below to check their detailed integration steps.
UPI Intent, UPI Collect or UPI InApp via Custom UI SDK
Custom UI SDK is an ideal solution if you wish to build a payment user interface or checkout page as per your requirements. The solution supports all three UPI flows – UPI Intent, UPI Collect and UPI InApp. So you can pick the best flow as per your requirements.
With Custom UI SDK:
- You can show your local and Paytm users’ saved instruments on your app
- You can enable OTP-less linking of Paytm accounts of your customers into your app
- You can support Visa one-click payments on your app
- You can introduce various add-on solutions by Paytm, such as Paytm Bank Offers and Paytm EMI Subvention on your app
Types of Custom UI SDK Integrations
Paytm offers Custom UI SDK integration for apps built on native and hybrid frameworks.
Native Apps:
You can integrate the desired version of SDK based on the feature requirement into your app. You can check the different available versions and their respective integration steps here.
Hybrid Apps:
If your app is built on any of the following hybrid platforms, Paytm provides a plugin for quick and easy integration of the Custom UI SDK in your app.
You can click on the individual platform links below to check their detailed integration steps.
UPI is a highly secure method that enables the transfer of money instantly. Its popularity is growing with each passing day and with increased adoption, UPI has become a must-have payment method. If you are not offering this payment method to your customers yet, you should not delay it.
