UPI procedural guidelines and circulars
NPCI operates UPI and sets its rules for member banks, UPI apps and other participants through procedural guidelines and circulars, including transaction limits, dispute handling and security requirements.
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Products · UPI PaymentsAccept UPI, and pay out to UPI IDs, through one integration.
UPI sits alongside cards, netbanking and wallets at your checkout — and Payouts sends money straight to a beneficiary's UPI ID.
- UPI at checkout
- Payouts to UPI IDs
- Single or bulk
- One integration
$payout = $client->payouts->create([
'beneficiary_id' => 'bene_3Kd91',
'amount' => 250000, // in paise
'mode' => 'upi',
], [
'idempotency_key' => 'payout-run-2026-08-29-0417',
]);
echo $payout->status;Overview
What UPI payments mean on Paynancial.
With Paynancial you can accept UPI payments at your checkout through the Payment Gateway, alongside cards, netbanking and wallets, and send single or bulk payouts to UPI IDs with Payouts — all through one integration with reporting and reconciliation.
UPI (Unified Payments Interface) lets customers in India pay directly from their bank account using a UPI app. For many customers it is the payment method they reach for first.
Paynancial supports UPI in both directions: money in, as one of the payment methods on the Payment Gateway, and money out, as a payout mode for sending funds to a beneficiary's UPI ID.
How it works
Step by step.
- 01Offer UPI at checkout
UPI appears alongside cards, netbanking and wallets on your hosted or custom checkout.
- 02Customer pays by UPI
The customer completes the payment in their UPI app.
- 03Get the result
Paynancial returns a real-time status and a webhook confirms the payment.
- 04Pay out by UPI
Add a beneficiary's UPI ID and send a single or bulk payout.
- 05Reconcile
Payments, payouts and settlements appear in your reports.
Capabilities
What you can do.
- UPI at checkout
- UPI is one of the payment methods on the Payment Gateway, alongside cards, netbanking and wallets.
- Single or bulk payouts
- Pay one beneficiary or submit a whole batch in one action.
- Payouts to UPI IDs
- Send funds to a beneficiary's UPI ID, one at a time or in bulk.
- Beneficiary management
- Save and reuse UPI beneficiaries for repeat payouts.
- Status tracking
- Follow each payment and payout, with clear reasons when one fails.
- Reporting
- Break down transactions by payment method in Payment Analytics.
Where it lives
Across the Paynancial platform.
UPI Payments is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Payment Gateway | UPI as a checkout payment method. See Payment Gateway. |
| Payouts | UPI as a payout mode (mode=upi in the API). See Payouts. |
| Payment Analytics | Transactions by method, status and period. See Payment Analytics. |
Compliance in India
The RBI and NPCI rules around UPI payments in India.
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
UPI Online Dispute Resolution (UDIR)
NPCI's mechanism for customers to raise and track UPI complaints — such as a payment debited but not credited — from within their UPI app.
UPI AutoPay
Lets a customer set up, view, pause and cancel recurring UPI mandates in their UPI app, for subscriptions and other repeating payments.
Turn Around Time (TAT) for failed transactions
Covers the time within which failed digital transactions — for example, a customer debited without the merchant being credited — are expected to be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and compensation to the customer when that time is missed.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
Good practice
Getting it right.
- 01Show UPI prominently
Put the methods your customers use most where they see them first at checkout.
- 02Confirm by webhook
Mark an order paid when the payment webhook arrives, not when the customer returns to your site.
- 03Make payouts idempotent
Send an idempotency key with every payout so a retry never pays twice.
FAQ
UPI Payments questions.
Can I accept UPI payments with Paynancial?
Yes. UPI is one of the payment methods on the Payment Gateway, alongside cards, netbanking and wallets, through a single integration.
Can I send payouts to a UPI ID?
Yes. Payouts can be sent to a beneficiary's bank account or UPI ID, one at a time or in bulk.
How do I send a UPI payout with the API?
Create a payout with the beneficiary, the amount in paise and mode set to upi, and send an idempotency key so a retry never pays twice.
Can I see UPI payments separately in reports?
Yes. Payment Analytics breaks transactions down by payment method, status and time period.
Talk to us about UPI payments.
Tell us how your business takes and moves money, and we will show you how it fits.