#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.

#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.