# UPI

 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 {#djNTu}

 The following table lists the product properties supported by UPI:

 | **Payment type** | Real-time payment |  |  |
| --- | --- | --- | --- |
| **Acquirer** | AntomSG, AntomHK, AntomUK, AntomUS, AntomEU | **Merchant entity location** | SG, HK, UK, US, 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** | 100,000 INR | **Time to return payment result** | Real-time |

## User experience {#3fda4231}

 > **[INFO]** **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:

<!-- TabGroup -->

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

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/09cce8a9-8316-4d20-ab04-be6f66de461b.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/2026/png/29e18f90-b131-441b-a5bd-6c2d20ac837c.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/2026/png/df3557ee-6e08-4bcc-a6c9-dfd9be447b8e.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/2026/png/7ff85b63-ff11-4406-b975-efafc333c773.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.

<!-- /TabGroup -->

## Supported online payment integrations {#ZdPPk}

 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?platform=web-wap) [✔️ Mobile Element](https://docs.antom.com/ac/cashierpay/element.md?platform=web-wap) ❌ Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |

## Integration considerations {#WSu1f}

 Please note the following integration suggestions to ensure a smooth payment process and provide the best experience for your buyers:

### Buyer information prefilling {#lzjub}

 It is strongly recommended that you pass the following buyer information parameters when calling the   [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md)   API. This allows buyers to directly enter the payment process without any additional steps. Otherwise, UPI will display an additional intermediate page to collect this information:

 - *order.buyer.buyerName.firstName*
- *order.buyer.buyerName.lastName*
- *order.shipping.shippingAddress.zipCode*     (Due to integration requirements, this parameter must be provided together with     *order.shipping.shippingAddress.region*    )

 The following code shows a request example:

 ```json
{
  "productCode": "CASHIER_PAYMENT",
  "paymentRequestId": "antom_1234567",
  "paymentAmount": {
    "currency": "INR",
    "value": 100000
  },
  "paymentMethod": {
    "paymentMethodType": "UPI"
  },
  "paymentRedirectUrl": "https://www.google.com",
  "paymentNotifyUrl": "https://test.net:8080/amsdemote/result",
  "order": {
    "referenceOrderId": "123456",
    "orderAmount": {
      "currency": "INR",
      "value": 100000
    },
    "orderDescription": "Coins",
    "buyer": {
      "referenceBuyerId": "123456789",
      "buyerName": {
        "firstName": "****",
        "lastName": "Govind Pal"
      }
    },
    "shipping": {
      "shippingAddress": {
        "region": "**",
        "zipCode": "600042"
      }
    }
  },
  "env": {
    "terminalType": "WAP",
    "osType": "ANDROID"
  },
  "settlementStrategy": {
    "settlementCurrency": "USD"
  }
}
```

### Travel industry considerations {#kz1uL}

 If you are in the travel industry, please be aware of India's    Liberalised Remittance Scheme (LRS) regulations   . These regulations set limits on individual cross-border transactions, and the payment method will perform pre-validation to avoid transaction failures.

 It is strongly recommended that you pass the following buyer information parameters when calling the   [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md)   API to pre-fill the relevant information on the UPI intermediate page, eliminating the need for buyers to manually enter it. Otherwise, the UPI intermediate page will require re-collection and validation of this information:

 - *order.buyer.buyerName.firstName*
- *order.buyer.buyerName.lastName*
- *order.shipping.shippingAddress.zipCode*     (Due to integration requirements, this parameter must be provided together with     *order.shipping.shippingAddress.region*    )
- *paymentMethod.paymentMethodMetaData.dateOfBirth*

 The following code shows a request example:

 ```json
{
  "productCode": "CASHIER_PAYMENT",
  "paymentRequestId": "antom_1234567",
  "paymentAmount": {
    "currency": "INR",
    "value": 100000
  },
  "paymentMethod": {
    "paymentMethodType": "UPI",
    "paymentMethodMetaData": {
      "dateOfBirth": "xxx"
    }
  },
  "paymentRedirectUrl": "https://www.google.com",
  "paymentNotifyUrl": "https://test.net:8080/amsdemote/result",
  "order": {
    "referenceOrderId": "123456",
    "orderAmount": {
      "currency": "INR",
      "value": 100000
    },
    "orderDescription": "Coins",
    "buyer": {
      "referenceBuyerId": "123456789",
      "buyerName": {
        "firstName": "****",
        "lastName": "Govind Pal"
      }
    },
    "shipping": {
      "shippingAddress": {
        "region": "**",
        "zipCode": "600042"
      }
    }
  },
  "env": {
    "terminalType": "WAP",
    "osType": "ANDROID"
  },
  "settlementStrategy": {
    "settlementCurrency": "USD"
  }
}
```