# UPI

> UPI operates via a UPI-enabled smartphone application for real-time digital payments in India.

Unified Payments Interface (UPI) operates via a UPI-enabled smartphone application for real-time digital payments, enabling users to send and receive money, make instant bill payments, and authorize transactions all within a single application and in a single step.

# Properties

The following table lists the product properties supported by UPI:

| **Payment type** | Real-time payment | Real-time payment | Real-time payment |
| --- | --- | --- | --- |
| **Acquirer** | AntomSG, AntomHK, AntomUS, AntomUK, AntomEU | **Merchant entity location** | SG, HK, US, UK, EEA |
| **Payment flow** | Redirect | **Refund** | ✔️ |
| **Buyer country/region** | India | **Partial refund** | ✔️ |
| **Processing currency** | INR | **Chargeback/Dispute** | ✔️ |
| **Minimum payment amount** | 1 INR | **Refund period** | 180 days |
| **Maximum payment amount** | 150,000 INR | **Time to return payment result** | Real-time |

# User experience

> **Note**: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following graphics show the user experience of paying with UPI:

#### Tab: UPI ID input (Web)

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/1915f600-0c5d-4ac8-af68-311613bb80e0.png)

1.  The buyer selects UPI to pay.
2.  The buyer is redirected to PayU's payment page.
3.  The buyer enters the UPI ID.
4.  The buyer receives a notification sent by the bank app and opens the app to confirm the payment.
5.  The buyer is redirected to the merchant result page.

#### Tab: UPI ID input (WAP)

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/f8c69398-cd9c-44e9-a064-befb5797c387.png)

1.  The buyer selects UPI to pay.
2.  The buyer is redirected to PayU's payment page.
3.  The buyer enters the UPI ID.
4.  The buyer receives a notification sent by the bank app and opens the app to confirm the payment.
5.  The buyer is redirected to the merchant result page.

#### Tab: QR code (Web)

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/ebd11a4b-6168-4a1a-8e5d-b8270d9178e9.png)

1.  The buyer selects UPI to pay.
2.  The buyer is redirected to PayU's payment page.
3.  The buyer opens the issuer's app and scans the QR image.
4.  The buyer confirms the payment information in the app.
5.  The buyer is redirected to the merchant result page.

#### Tab: Deeplink (App)

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/168736a1-0618-4d54-b00e-7fead80ef5c0.png)

1.  The buyer selects UPI to pay.
2.  The buyer is redirected to PayU's wallet list page.
3.  The buyer selects a wallet to proceed with the payment.
4.  The buyer is redirected to the wallet app to confirm the payment information.
5.  The buyer is redirected to the merchant result page.

# Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

| **Supported online payments** | **Supported integrations** |
| --- | --- |
| One-time Payments | ✔️ [API-only](https://docs.antom.com/ac/cashierpay/apm_api.md) ✔️ [Hosted Checkout Page](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) ✔️ [Embedded Checkout Page](https://docs.antom.com/ac/cashierpay/embeddedckp.md) ✔️ [Web Element](https://docs.antom.com/ac/cashierpay/element.md) ✔️ [Mobile Element](https://docs.antom.com/ac/cashierpay/element.md) ❌ Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |