UPI Solutions Overview

UPI is a popular mode of payment for customers which allows them to make payments directly through their bank accounts without entering debit card or net banking details. The bank account details are fetched through the VPA (Virtual Payment Address) provided by the customer. Paytm supports UPI IntentUPI InApp and UPI Collect solutions to process payment via UPI.




UPI Intent

Paytm UPI Intent flow empowers the merchants to give flexibility to its users for making payments from any of the UPI PSP Apps available on their mobile. This feature enables you to give better payment experience to users who wish to make UPI payments.


Benefits of using UPI Intent

  • User need not remember his VPA for making UPI payment

  • Users do not need to switch between your merchant App, UPI PSP App and SMS

  • Flexibility for the user to use any UPI PSP App available on the device

  • Ease of making payment and better user experience results in a higher conversion rate

For more details related to the UPI Intent Integration, please refer to UPI Intent Integration Steps- Android and iOS.



For optimised payment experience and better success rate, kindly enable UPI Smart Intent in your App. Click here to know about how to enable UPI Smart Intent.




UPI InApp flow is also known as UPI Push is one of the most advanced UPI flows through which you can display the UPI associated user Bank Account on your app itself, and once the user selects the same for making payment, Paytm App MPIN page opens up directly over your App. The flow is supported with both All-in-One SDK and Custom UI SDK integrations.


Benefits of using UPI InApp

  • Enhanced consumer experience by displaying UPI associated user bank accounts directly on your app

  • You get access to more than 100 million UPI associated bank accounts of Paytm users

  • Transaction time is 0.3x times lesser than that of UPI Intent flow as it involves only two-step payment

  • Success rate offered in this flow is 1.3x times better than UPI Intent transactions

  • Flexibility for end-user to add new bank account at the time of checkout


Demo of UPI InApp



UPI Collect

UPI Collect is the simple way of collecting the payment by prompting the user to enter the VPA address or UPI Number through which they intend to pay. User is notified through SMS and is prompted to make the payment on the relevant bank App. This flow is available as a payment mode in our different solution offerings such as Standard Checkout, JS CheckoutAll in One SDK, etc.


About VPA


Virtual Payment Address (VPA) acts as a unique identifier that can be used for all transactions made via the UPI system through a mobile app that is UPI-enabled. It acts as an ID independent of your bank account number and other details. You need not fill in your bank account details repeatedly for making multiple payments. 


Supported Format
A typical VPA looks something like abc@bankname. Generally, a primary default VPA will be set by the UPI app you are working on. The 'abc' part of the above example can be anything, such as your name, your registered mobile number etc. The 'bank name' in the example can be the name of the bank your account is held with, or the name of the bank the app is associated with, or just the word upi.


About UPI Number


Numeric UPI ID / UPI Number is an 8 to 11 digit unique number mapped to a VPA (Virtual Payment Address). The user can create a custom Numeric ID from 8 to 9 digits. However, in case of 10 digits (and when mobile number is extended to 11 digits), the sender/receiver will be allowed to set only their own mobile number.




Numeric UPI ID must be unique across the entire UPI user base for all the PSPs.


Numeric ID also makes Phone-Number based payments interoperable across PSPs. Numeric ID makes UPI Collect payments easier due to faster recall and key-in.

Benefits of using UPI Collect

  • UPI collect available as a payment mode with all our solution offerings

  • No separate integration required by the merchants for accepting payments by customers using UPI


Overview of Payment processing using UPI Collect Flow

  1. User selects the payment page as UPI on the checkout page.

  2. User enters the Virtual Payment Address (VPA) or the UPI Number to make the payment and clicks the Pay button.

  3. Paytm sends a collect request to the user’s UPI App corresponding to the entered VPA or UPI Number.

  4. An SMS/Push notification is received by the user requesting them to complete the payment.

  5. Your app/website shows a wait screen which is polling to check payment status.

  6. User opens the UPI App with the order amount already filled and clicks Pay

  7. User enters the m-pin and approves the transaction.

  8. You receive the transaction status corresponding to the payment completed by the user.

  9. User goes back to your app/website payment page. You can show the successful status of payment on the checkout page.

  10. You show an order successful message to the user.


Demo of UPI Collect