UPI Integration Guide for Startups, Fintechs & Enterprise

Unified Payments Interface (UPI) has become the default payment rail for India’s digital economy. From kirana stores and SaaS platforms to large enterprises and global fintechs entering India, UPI enables instant, low-cost, and highly trusted transactions at scale. 

This guide breaks down how UPI integration works, the available integration methods, and what startups, fintechs, and enterprises should evaluate when choosing the right UPI provider.


Importance of UPI integration


UPI’s growth has been driven by simplicity and ubiquity. Customers don’t need cards, net banking credentials, or complex checkout flows, just a UPI ID, QR scan, or mobile intent. For businesses, this translates into faster checkouts, higher conversion rates, and reduced payment friction.


Key benefits of UPI integration include:


  • Real-time payments and confirmations

  • Lower transaction costs compared to card-based payments

  • Wide customer adoption across demographics

  • Support for omnichannel use cases (web, app, in-store, QR)

  • Faster settlement cycles and easier reconciliation

For startups and fintechs, UPI enables rapid go-to-market. For enterprises, it supports scale, reliability, and operational efficiency.


Common UPI payment integration methods


Businesses can integrate UPI payments through three primary methods, depending on their product experience and customer journey.


1. Web Collect (Pull Flow)


In this flow, users enter their UPI ID at checkout. A collect request is sent to their UPI app, which they approve to complete the payment. This method works well for desktop-heavy or standard web checkout journeys.


2. UPI Intent Flow (Mobile Redirect)


Here, users select UPI as a payment option and are redirected to their preferred UPI app with transaction details pre-filled. Once the payment is completed, they’re redirected back to the app or website. This flow is ideal for mobile-first products.


3. QR Code-Based Payments


Dynamic QR codes can be generated at checkout and scanned using any UPI app. This method supports web, mobile, and in-person use cases, making it suitable for omnichannel businesses.


Basics of UPI integration


While implementation details vary by provider, most UPI integrations follow a standard process:


  1. Select a UPI provider or UPI service provider based on your business model, transaction volumes, and technical requirements.

  2. Complete onboarding and KYC, including business documentation and bank details.

  3. Obtain API or SDK access to enable payment flows within your application.

  4. Implement the chosen UPI flow: Web Collect, Intent, QR, or a combination.

  5. Handle backend callbacks to verify payment status and update order or transaction records.

  6. Test extensively in a sandbox environment to ensure reliability and edge-case handling.

  7. Go live and monitor performance, including success rates, settlements, and failure reasons.

Choosing the right UPI provider


Not all UPI integrations are equal. Startups, fintechs, and enterprises should evaluate a UPI provider or UPI service provider across several dimensions:


  • Reliability and uptime under high transaction volumes

  • Support for multiple UPI flows through a single integration

  • Strong API documentation and developer support

  • Security, compliance, and regulatory adherence

  • Settlement timelines and reconciliation tools

  • Scalability for future growth and new use cases

For regulated fintechs and large enterprises, infrastructure stability and compliance readiness often matter as much as speed of integration.


Powering UPI at scale with 86400


As an experienced UPI service provider, 86400 (an initiative of Mobileware Technologies) enables banks, fintechs, and large enterprises to build and operate high-performance UPI payment infrastructure. Designed for scale, reliability, and regulatory readiness, 86400 supports end-to-end UPI integration through robust APIs, secure payment flows, and enterprise-grade monitoring. By combining deep domain expertise with proven transaction processing capabilities, 86400 helps organisations launch faster, handle high volumes with confidence, and future-proof their UPI capabilities in an always-on payments ecosystem.

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