UPI payments
Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India that facilitates inter-bank transactions through a mobile app.
What can you do with this product?
Choose one or more of our products under the UPI Setu Payments stack to—
- Re-target churning D2C customers with payment links in messaging campaigns
- Enable web-based checkouts by using a customer VPA input on your website to trigger a collection flow
- Use Third Party Validation (TPV) to verify customer details and remain compliant
Explore our payment products
Core concepts for Payment products
UPI Setu relies on a few features that persist across various products offered under the Payments stack. These have been listed below.
Payment statuses
UPI Setu has consistent and transparent payment statuses across all transaction flows.
| Payment statuses | Description |
|---|---|
payment.initiated | Payment has been attempted by a customer |
payment.pending | Payment is currently being processed by UPI Setu |
payment.success | Payment has been successfully completed |
payment.failed | Payment could not be processed |
Conditional, scenario-based flows
Conditional flows are optional steps that may be executed in response to specific scenarios that arise after a transaction is completed.
These flows ensure that merchants are able to efficiently manage transactions—from initiation to resolution—thus providing a streamlined payment experience for their customers.
Dispute retrieval
If a customer raises a dispute regarding a transaction, this API call allows for the retrieval of dispute details using a unique identifier, facilitating timely resolution.
Initiate refund
In cases where a dispute arises or as a necessary step in the transaction process, a refund can be initiated. This API, typically prompted by the merchant, reverses the transaction amount to the customer.
Refunds and disputes
Manage your refunds and disputes.