UPI (Unified Payments Interface) is an Indian instant payment system and protocol developed by the National Payments Corporation of India (NPCI) in 2016. It allows users to link their bank accounts to a mobile application and make online transactions seamlessly

Features

Processing currencies	INR
Settlement currencies	INR
Minimum transaction amount	100.00 INR
Maximum transaction amount	50000.00 INR
Refunds	❌
Partial Refunds	❌
Multiple partial refund	❌
Chargeback	❌

Integration Method

Payment method enumeration values: upi

There is integration method for UPI

1. Direct API

Direct API

How to integration

For direct API integration, you can create a PaymentIntent and get url in only one step. The following is the demo of creating payment intent:

Create a PaymentIntent

A PaymentIntent is an object that represents your intent to collect payment from your customer and tracks the lifecycle of the payment process. Create a PaymentIntent on your server and specify the amount to collect and a supported currency. If you have an existing Payment Intents integration, add upi the list of payment method types.

Request Create a PaymentIntent

{
    "amount":10000,
    "currency":"INR",
    "confirm":true,
    "payment_method_data" : {
        "type":"upi",
         "billing_details":{
            "email":"XXXXX@XXXX.XXX"
        }
    },
    "return_url":"https://wooshpay.com"
}

Response

{
    "id": "pi_1853358041907331072",
    "object": "payment_intent",
    "created": 1730709966000,
    "livemode": false,
    "currency": "INR",
    "amount": 10000,
    "status": "requires_action",
    "client_secret": "pi_1853358041907331072_secret_0H7fzK0uw8IGjA7M76qrmttp",
    "next_action": {
        "type": "redirect_to_url",
        "redirect_to_url": {
            "url": "https://XXXXXXXXXXXXXXXXx"
        }
    },
    "payment_method_types": [
        "upi"
    ],
    "confirmation_method": "automatic",
    "return_url": "https://wooshpay.com",
    "payment_method": "pm_1853358041785696256",
    "capture_method": "automatic"
}

Checkout

Payment flow

1. Customer selects UPI from the list of payment methods available and clicks on the Pay botton

1. Customers will be redirected to UPI's page, and approve the payment

Create a Session

Request

{
    "cancel_url": "www.wooshpay.com",
    "mode": "payment",
    "success_url": "https://wooshpay.com/",
    "payment_method_types": [
        "upi"
    ],
    "line_items": [
        {
            "price_data": {
                "currency": "INR",
                "unit_amount": 20000,
                "nickname": "apple",
                "product_data": {
                    "name": "apple",
                    "description": "very delicious"
                }
            },
            "quantity": 1
        }
    ]
}

Response

{
    "id": "cs_1745349377481768960",
    "object": "checkout.session",
    "created": 1704958693000,
    "livemode": false,
    "currency": "INR",
    "customer": "",
    "mode": "payment",
    "status": "open",
    "url": "https://checkouttest.wooshpay.com/pay/cs_test_1745349377481768960?key=cGtfdGVzdF9OVEUyTlRjNU5ESXpNalUxTXpNME56ZzVNVE14T2pNemIxTTJhVVZrTmtOdmFsWlBSRTFuVFc1SVREaFljREUyT0RReE1Ua3lNamd6TVRR",
    "cancel_url": "www.wooshpay.com",
    "line_items": {
        "object": "list",
        "data": [
            {
                "id": "li_1745349377502740480",
                "object": "item",
                "currency": "INR",
                "description": "apple",
                "price": {
                    "id": "price_1745349377511129088",
                    "object": "price",
                    "created": 1704958693000,
                    "livemode": false,
                    "active": false,
                    "currency": "INR",
                    "nickname": "apple",
                    "product": "prod_1745349377519517696",
                    "type": "one_time",
                    "unit_amount": 20000
                },
                "quantity": 1,
                "amount_subtotal": 20000,
                "amount_total": 20000
            }
        ]
    },
    "payment_intent": "pi_1745349382124863488",
    "payment_method_types": [
        "upi"
    ],
    "payment_status": "unpaid",
    "success_url": "https://wooshpay.com/",
    "amount_subtotal": 20000,
    "amount_total": 20000,
    "billing_address_collection": "auto",
    "expires_at": 1705045093276,
    "payment_link": "",
    "client_secret": "pi_1745349382124863488_secret_4zzY2IQsRmMx9b2Vyk5TgHmF"
}

Next step

You can add more features to your integration as needed

Webhook

Listen to events on your WooshPay account so your integration can automatically trigger reactions. Create a webhook that mainly focuses on enabled_events and url.