UPI or Unified Payments Interface is an instant real-time payment system developed by National Payments Corporation of India (NPCI) to facilitate inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile device.

Payment flow

  • Step1: Choose UPI from the available payment options.
UPI select
  • Step2: The user needs to input their UPI ID then click the Proceed to Payment button.
UPI input ID
  • Step3: The user will be redirected to a new page.

  • Step4: Once done with the verification and authentication, the user will receive confirmation that the payment is successful.

UPI successful


name description
Countries IN
Type Bank Transfers
Processing currencies INR
Supported currencies Refer to currency codes
Payment confirmation time Instant
Chargebacks Yes
Refunds Yes
Full Refund Yes
Partial Refund Yes
Refund type API
Refund timeframe 180 days
Onboarding required Yes (account is for Terminal3 and is available to our merchants via MoR model only)
Recurring Payments No
Mobile UI Yes
Opens new window Yes
Min Transaction Limit 1.00 INR

Available models:

  • Merchant.

Included with your Paymentwall account.

  • MOR.

Terminal 3.