UPI (Unified Payment Interface)

Unlock secure, 24/7 real-time transactions (it supports unique or recurring payments), and broad acceptance across multiple banks in India. Choose UPI, India's preferred payment method, available via EBANX.

The #1 Payment Method in India

UPI, with real-time payment capability, led India's digital payments in 2022, processing 74 billion transactions worth nearly 1.6 trillion dollars.*  At present, there are 300 million UPI users and 500 million merchants who use UPI to accept money for their businesses.**

Sources: National Payments Corporation of India (NPCI)* 

The Times of India**

Serving Multiple Purposes

UPI users can swiftly perform person-to-person and person-to-merchant payments, shop online, pay bills, recharge mobiles, book tickets, make investments, donate to charities, and even engage in cross-border transactions

Empowering Financial Inclusion

UPI India is revolutionizing financial services for millions who lack access to traditional banking systems, considering that 11% of the Indian population is unbanked.

Source: The Times of India

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Why Choose UPI?

Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). Launched on April 11, 2016, this alternative payment method allows users to connect multiple bank accounts to a single mobile app facilitating peer-to-peer (P2P) and person-to-merchant (P2M) transactions.

Maximize Profit Margin

UPI transfer offers affordable transaction fees, attracts more customers due to its convenience and real-time capabilities, and can enable seamless recurring payments for subscription models.

Expand Market Reach

As an alternative payment method, UPI India bridges the gap in the country's payment ecosystem, where cash transactions and unbanked individuals are prevalent. Thus, merchants can reach a broader customer base.

Enhance Security

UPI transfer employs strong encryption protocols, safeguarding sensitive data and minimizing cyber threats.

Fulfill shopper's immediate needs

With over 600 million smartphone users, India has embraced digital payments, especially UPI, to cater to the growing consumer preference for quick and easy purchasing.

How UPI Works?

One-charge option

  1. The customer picks UPI at checkout, opting for "UPI ID" or "QR code" payment.

  2. If paying via UPI ID, the customer gets a notification to confirm payment; for QR code, they scan it.

  3. On the UPI app, the customer verifies details and approves the transaction.

  4. The transaction is confirmed after entering the customer's UPI PIN.

  5. The process concludes with the customer being redirected to the order confirmation page, accompanied by real-time payment confirmation.

Recurring Payment option

  1. Authorization Request Initiation:

The process begins with an authorization request to set up a new subscription. This request is sent to the customer, prompting them to establish the conditions for recurring debits. This initial step is essential for enabling subsequent automatic payments.

2. Customer Verification:

As part of the authorization request, the customer receives a nominal and non-refundable charge of 1₹. This charge is sent through either QR code or VPA (Virtual Payment Address) flows.

The customer's responsibility is to authenticate this charge using their UPI PIN. This serves as a confirmation of their enrollment in the subscription service. Importantly, this verification is a one-time action, ensuring a secure subscription setup.

3. Authorization Request Details:

The authorization request requires the following:

  • Mandatory fields from the one-time charge flow.

  • A subscription reference ID (a unique identifier).

  • The maximum amount allowed for the subscription.

  • The expiry date for the subscription is typically set for a standard period of 2 years.

Subscription Models Offered

  • On-Demand Subscription: designed to give more flexibility in managing and specifying the amount and frequency of charges raised.

With a minimum 24-hour interval between API charges and customer account debits, merchants ensure a controlled and smooth payment process. Plus, scheduled debits can be confidently set for up to D+14 days, offering flexibility while keeping customers informed.

  • Periodic Subscription: designed for fixed amounts and intervals predetermined by the merchant.

Merchants must inform customers about additional rules governing recurring charges, such as fixed amounts and payment intervals (days, weeks, months, years). Once these rules are established, payments are directly debited according to the specified intervals.

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Specs with EBANX

Payment type:



Online and Mobile App

Countries available:


Currencies accepted:

INR (Indian Rupee)

Cross border availability:


Payment confirmation:


Recurring payments:


Installments availability:




Outstanding UPI features via EBANX

User-Friendly and 24/7

UPI can be used at any time, with either internet or phone service.


UPI enables instant and efficient fund transfers and payments.


UPI employs robust security measures, including UPI PIN authentication and encryption, ensuring secure and trustworthy transactions.


Pix is used for transactions between people, businesses and governmental institutions, and has other features such as an installments (split) option, cash withdrawal, and changes in cash.


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


As of June  2023, about 458 banks in India were live on UPI's interface

Ready for secure, real-time payments and heightened profitability in India? Enable UPI transfers via EBANX.

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