UPI

Unlock the power of India's leading payment method for your business.

With EBANX, access to real-time, secure UPI transactions enables seamless local payments across India for over 340 million users.

Unified Payment Interface (UPI) has revolutionized digital payments in India, representing 70% of the country's digital transactions. By adopting UPI, global merchants open doors to immense market potential, reaching 80% of India's population who now hold a financial account. 

Source: NPCI

Reach over 1 billion potential customers

UPI's widespread adoption makes it an essential tool for businesses aiming to expand in India. With over 500 million UPI-enabled merchants and over 1 billion potential customers, UPI represents a significant market reach and growth opportunity.

Source: World Bank Global Findex

Affordable, real-time transactions

UPI offers a fast, cost-effective transaction model, facilitating instant payments and approvals. This efficiency is key for low-value, high-volume transactions that define e-commerce in India.

Boost market growth

By integrating UPI, merchants can expand their footprint within India’s diverse consumer base, benefiting from UPI’s proven effectiveness in driving digital payment adoption and enhancing merchant visibility in a rapidly digitalizing market.

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Tap into India's Top Sectors with UPI

Leverage UPI's versatility across high-growth industries: Expanding into the Indian market is made simpler by UPI's wide acceptance across key verticals. EBANX optimizes UPI integration, ensuring tailored support for different industries.

Expand in the gaming market

UPI is the preferred choice for in-game purchases and subscriptions, enabling a secure, user-friendly experience for India's vast gaming community.

Streamline subscription payments

With EBANX, global streaming platforms can offer UPI AutoPay, a reliable option for recurring payments that meets India's high demand for content subscriptions.

Drive sales in the SaaS sector

Software companies can expand their customer base with UPI, reaching millions of users who seek a secure, local payment solution for recurring software needs.

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Offer Safety to Indian Customers

A Secure and Trustworthy Payment System: UPI’s security framework, developed by the National Payments Corporation of India (NPCI), offers significant protections to both users and merchants:

Two-factor authentication (2FA)

Transactions require a UPI PIN and one-time mobile OTP, adding an extra layer of security.

Encrypted communication

All UPI transactions are conducted over an encrypted network, safeguarding data during payment.

Device binding

UPI is linked to the customer’s mobile number and device, ensuring transactions are initiated only from authorized devices.

Risk mitigation measures

Banks employ limits, velocity checks, and anomaly detection algorithms to detect and prevent fraud.

With EBANX’s integration, merchants can trust a system that prioritizes security while providing the reliability expected by Indian customers.

UPI is more than just a payment method; it drives India's digital economy.

Share of digital commerce in India, 2024

Source: PCMI, 2024

UPI is different from anything you know

UPI is payment-agnostic

You can link it to any bank account or a RuPay credit card to make payments.

UPI is app-agnostic

You can use UPI on your banking app, a wrapper app, or a mobile wallet.

UPI is use-agnostic

 It works online or offline for one-time payments, recurring payments, over-the-counter purchases, merchant payments, utility bills, and P2P transfers.

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How UPI Works with EBANX

Seamlessly integrated, user-friendly checkout experience.

One-time payment

  1. The customer selects UPI at checkout, paying via UPI ID or scanning a QR code.


  2. After being redirected, the customer confirms the payment on their UPI app by entering their PIN.


  3. Payment confirmation is sent instantly, and the customer is redirected to the merchant’s confirmation page.


Recurring payment (UPI autopay)

  1. Setup begins with an authorization request sent to the customer, establishing the terms for recurring debits.

  2. The customer verifies with a nominal 1₹ charge, confirming enrollment.

  3. EBANX supports recurring payments by generating secure transaction references, with typical subscriptions lasting up to two years.


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UPI
Specs with EBANX

Confirmation:

Real time

Recurrency:

Yes - UPI AutoPay

Payout:

No

High-value order:

No

Installments:

No

BNPL:

No

Min Amount:

INR 1

Max Amount:

INR 100.000 per day or per transaction

Refunds:

Yes

Chargeback system:

Yes

Key UPI Features with EBANX

User-friendly, available 24/7

UPI payments are fast and accessible anytime, supporting online and offline transactions through mobile apps or QR codes.

Instant confirmation

Transactions are processed in real-time, providing immediate feedback to customers and businesses.

Robust security

UPI ensures secure, fraud-resistant payments with two-factor authentication, encryption, and device binding.

Broad usability

From online shopping to bill payments and gaming, UPI supports versatile use cases, helping merchants engage India’s digital-first consumers.

Affordable

UPI transactions come at minimal costs, making it a cost-effective choice for individuals and businesses.

Integration ready

UPI works across all major banking apps, payment apps, and mobile wallets, supporting various customer preferences.

Ready to Expand in India?

Leverage EBANX’s UPI solution to offer secure, real-time payments in India. Reach more customers and boost profitability with the payment method trusted by millions of Indians.

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