Unified Payments Interface (UPI) is India’s real-time payment system, launched by NPCI in 2016. Customers link bank accounts to one app and pay with a Virtual Payment Address (VPA).
UPI Intent
Accept UPI Intent payments in India where customers select their UPI app directly or scan a QR code on desktop for one-time and mandate-based checkout.
UPI Collect
Accept UPI Collect payments in India where customers enter a Virtual Payment Address and approve a push notification in their UPI app.
UPI Intent is the recommended integration. It skips VPA entry, covers QR checkout on desktop, and aligns with NPCI plans to deprecate UPI Collect.