UPI via Adyen

Accept UPI payments from customers in India with Adyen as the payment service provider (PSP). The customer approves the payment in a UPI app, either through a deep link or by scanning a QR code.

Supported workflows

Workflow	Supported
Payrails SDK	✔
Payrails API	✔
Delayed / Manual Capture	✖
Instant Capture	✔
Cancel / Void	✖
Refund / Reverse	✔
Save Instruments	✖
Merchant Initiated Transaction (MIT)	✖

Before you begin

Complete these steps before you send your first UPI payment through Adyen:

Set up an Adyen integration in your workspace. Follow the Adyen integration setup guide if you don’t have one yet.
Ask Adyen to enable UPI on your Adyen merchant account.
In the Payrails Portal, go to Settings → Integrations, open your Adyen integration, select UPI under Payment methods, and save.
Add UPI as a payment option in your workflow.

Request fields for Adyen

Send these fields in the authorize request, in addition to the standard authorize fields. Required fields must be present for the payment to succeed. Payrails sends Optional fields to the PSP when you include them.

Field	Status	Description
`amount.currency`	Required	Must be `INR`. Payrails rejects other currencies.
`meta.paymentMethods.upi.flow`	Optional	`intent` or `qr`. Payrails rejects any other value. See choose the journey.
`paymentComposition[].paymentInstrumentData.payerFields.upiApp`	Required	Needed for the intent journey. The UPI app to open: `gpay`, `phonepe`, `paytm`, `bhim`, `cred`, `mobikwik`, `navi`, `amazonpay`, `wapay`, `jupiter`, `supermoney` or `freecharge`.
`meta.customer.email`	Optional	Sent to Adyen as the shopper email.
`meta.customer.name`, `meta.customer.lastName`	Optional	Sent to Adyen as the shopper name.
`meta.customer.country.code`	Optional	Sent to Adyen as the country code, for example `IN`.
`meta.order.softDescriptor`	Optional	Shown on the customer’s bank statement.
`meta.order.lines`	Optional	Sent to Adyen as line items.

Authorize a UPI payment

Choose the journey

Payrails picks the Adyen UPI journey from meta.paymentMethods.upi.flow:

When flow is intent, the response redirects the customer to the UPI app you send in the upiApp payer field.
When flow is qr, or when you don’t send a flow, Payrails shows a QR code on a Payrails-hosted page. The customer scans it with any UPI app. Payrails ignores upiApp in this journey.

Call authorize a payment with upi as the paymentMethodCode. This example uses the intent journey. The response includes the redirect to the customer’s UPI app.

Authorize request

{
  "amount": {
    "value": "500.00",
    "currency": "INR"
  },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "upi",
      "amount": {
        "value": "500.00",
        "currency": "INR"
      },
      "paymentInstrumentData": {
        "payerFields": {
          "upiApp": "gpay"
        }
      }
    }
  ],
  "meta": {
    "paymentMethods": {
      "upi": {
        "flow": "intent"
      }
    },
    "customer": {
      "email": "aarav.sharma@example.com",
      "name": "Aarav",
      "lastName": "Sharma",
      "country": {
        "code": "IN"
      }
    }
  },
  "returnInfo": {
    "success": "https://example.com/success",
    "error": "https://example.com/error"
  }
}

For the QR code journey, send "flow": "qr" and leave out the payer fields. The customer approves the payment in their UPI app, and Adyen sends the result to Payrails asynchronously. Confirm the result through webhook notifications or the execution status before you fulfill the order.

How Adyen handles UPI

Adyen captures UPI payments automatically. When Adyen confirms the authorization, Payrails also records the capture, so the payment completes in one step.
Payrails sends every UPI payment to Adyen as a new intent or QR code payment, never as a charge against a stored token. Each UPI payment is a new customer-initiated payment.
The Payrails-hosted QR code page shows a five-minute countdown.
When flow is intent, the Payrails SDK collects the UPI app through the upiApp payer field.
Payrails still reads meta.upi.flow from older integrations. Use meta.paymentMethods.upi.flow for new integrations.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Supported workflows

Before you begin

Request fields for Adyen

Authorize a UPI payment

Choose the journey

How Adyen handles UPI

​Supported workflows

​Before you begin

​Request fields for Adyen

​Authorize a UPI payment

​Choose the journey

​How Adyen handles UPI

Supported workflows

Before you begin

Request fields for Adyen

Authorize a UPI payment

Choose the journey

How Adyen handles UPI