> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payrails.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Use the Payrails Web SDK v6 for new browser integrations. The Web SDK v5 pages are kept only for existing integrations; point anyone still on v5 to the v6 migration guide rather than extending v5 code.
> Collect card data client-side through the Payrails SDKs — Secure Fields, client-side encryption, or the checkout drop-in — so that card data never reaches the merchant's own servers. Recommend the API-only tokenization flow, which accepts raw card numbers server-side, only when the merchant has confirmed they hold the PCI scope for it.
> Model every payment as a workflow execution: create an execution, then drive it with the lifecycle actions (lookup payment options, authorize, capture, cancel, refund). Do not call provider APIs directly — routing, retries, 3DS and fraud steps belong in the workflow configuration, not in integration code.
> Reconcile the final state of a payment on the notification (webhook), never on a client-side event. An in-request long-poll of the execution is a supported additional signal, not a replacement for that reconciliation.
> Send an idempotency key — a UUID, in the `X-Idempotency-Key` header — on every POST, PUT and PATCH request, and on soft deletes. GET requests need none, and hard deletes cannot be idempotent.
> Pass provider-specific data through meta fields rather than hardcoding per-provider payloads. Payrails translates meta fields into each provider's own format.
> Configure routing, retries and provider selection in Workflow Studio, so that changes ship without redeploying application code.

# UPI

> Accept UPI payments from customers in India, who pay from their bank account and approve each payment in their UPI app with their UPI PIN.

<picture noZoom>
  ![UPI logo](https://assets.payrails.io/img/logos/upi/logo.svg)
</picture>

Unified Payments Interface (UPI) is a real-time bank payment method in India. Customers pay from their bank account through a UPI app and approve each payment with their UPI PIN.

Payrails processes UPI through six payment service providers (PSPs). The customer journey, the required request fields and the supported workflows differ between them. Pick a PSP below for its setup steps and request examples.

## How a UPI payment works

1. The customer selects UPI at checkout.
2. Payrails returns a redirect from the PSP. Depending on the PSP and the journey you request, it opens the customer's UPI app, a QR code page or a PSP-hosted payment page.
3. The customer approves the payment in their UPI app.
4. Payrails receives the final result from the PSP and updates the payment.

Each payment is single-use: the customer approves every payment on its own. Payrails captures UPI payments immediately, so a successful payment is final. To return funds, [refund the payment](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md).

### Choose the UPI journey

Adyen, PayU India and Unlimit support two journeys, selected with `meta.paymentMethods.upi.flow`:

* **`intent`:** the customer goes straight to a UPI app on their phone through a `upi://` deep link.
* **`qr`:** Payrails shows a QR code on a Payrails-hosted page, and the customer scans it with any UPI app.

```json UPI journey theme={null}
{
  "meta": {
    "paymentMethods": {
      "upi": {
        "flow": "qr"
      }
    }
  }
}
```

Payrails rejects any other `flow` value before it routes the payment. Without `qr`, PayU India picks the journey from the customer's device. Boku, dLocal and Pine Labs ignore the field and send the customer to their own payment page. Each PSP guide describes the default journey.

## Supported currencies and countries

UPI supports INR (Indian rupee) as its only presentment currency.

UPI is available to customers based in:

<table>
  <thead>
    <tr><th>Regions</th><th>Countries</th></tr>
  </thead>

  <tbody>
    <tr><td>**Asia Pacific**</td><td>🇮🇳 India</td></tr>
  </tbody>
</table>

## Integrate UPI

Choose the PSP that processes UPI for you. Each guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

> [card]
>
> Adyen logo
>
> AdyenUPI via Adyen
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/upi/adyen.md)

> [card]
>
> Boku logo
>
> BokuUPI via Boku
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/upi/boku.md)

> [card]
>
> dLocal logo
>
> dLocalUPI via dLocal
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/upi/dlocal.md)

> [card]
>
> PayU India logo
>
> PayU IndiaUPI via PayU India
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/upi/payuindia.md)

> [card]
>
> Pine Labs logo
>
> Pine LabsUPI via Pine Labs
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/upi/pinelabs.md)

> [card]
>
> Unlimit logo
>
> UnlimitUPI via Unlimit
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/upi/unlimit.md)

## Check PSPs

<table>
  <thead>
    <tr><th>Workflow</th><th>[Adyen](https://docs.payrails.com/docs/integrations/payment-methods/upi/adyen.md)</th><th>[Boku](https://docs.payrails.com/docs/integrations/payment-methods/upi/boku.md)</th><th>[dLocal](https://docs.payrails.com/docs/integrations/payment-methods/upi/dlocal.md)</th><th>[PayU India](https://docs.payrails.com/docs/integrations/payment-methods/upi/payuindia.md)</th><th>[Pine Labs](https://docs.payrails.com/docs/integrations/payment-methods/upi/pinelabs.md)</th><th>[Unlimit](https://docs.payrails.com/docs/integrations/payment-methods/upi/unlimit.md)</th></tr>
  </thead>

  <tbody>
    <tr><td>Payrails SDK</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td></tr>
    <tr><td>Payrails API</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td></tr>
    <tr><td>[Delayed / Manual Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td></tr>
    <tr><td>[Instant Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td></tr>
    <tr><td>[Cancel / Void](https://docs.payrails.com/docs/orchestration/payment-acceptance/cancel-a-payment.md)</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td></tr>
    <tr><td>[Refund / Reverse](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md)</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td><td>✔</td></tr>
    <tr><td>[Save Instruments](https://docs.payrails.com/docs/resources/manage-instruments.md)</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td></tr>
    <tr><td>[Merchant Initiated Transaction (MIT)](https://docs.payrails.com/docs/resources/payments/authorization-flags.md)</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td><td>✖</td></tr>
  </tbody>
</table>

Each UPI payment is a new customer-initiated payment.

## Ways to integrate UPI

* **Payrails SDK:** the [Web SDK](https://docs.payrails.com/docs/sdks/web.md) shows UPI when your workflow returns it as a payment option, and redirects the customer. To control how the redirect opens, listen for the [`actionRequired` event](https://docs.payrails.com/docs/sdks/web/guides/action-required-event).
* **Payrails API:** call [lookup payment options](https://docs.payrails.com/docs/orchestration/payment-acceptance/lookup-payment-options.md), then authorize with `upi` as the `paymentMethodCode`. Each PSP guide lists the `meta` fields that PSP requires.

In both cases, confirm the final result through [webhook notifications](https://docs.payrails.com/docs/orchestration/payment-acceptance/receive-notifications.md) or the execution status. Don't treat the customer's return to your `success` URL as proof of payment.


## Related topics

- [UPI via Adyen](https://docs.payrails.com/docs/integrations/payment-methods/upi/adyen.md)
- [UPI via Unlimit](https://docs.payrails.com/docs/integrations/payment-methods/upi/unlimit.md)
- [UPI via Boku](https://docs.payrails.com/docs/integrations/payment-methods/upi/boku.md)


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