Cashfree's UPI Payment Gateway enables businesses to collect UPI payments easily from customers. Accept payments from any UPI app with multiple integration options for the desired payment flow and achieve highest UPI success rates.
Cashfree Payments serves over 6,00,000+ businesses, processes USD 80B+ annually, and serves 600M+ bank accounts.
The UPI Payment Gateway is compatible with all Payment Service Providers (PSPs) including:
Cashfree offers four different checkout workflows to serve all business needs:
Simplify UPI payments for your customer by automatically opening UPI apps installed in customer's mobile for faster checkout.
Generate QR code on your website checkout page and let customers scan and pay using any UPI app. A dynamic QR code has a fixed amount linked to it, and customers can pay only the fixed amount assigned to the QR code. For each transaction, a unique dynamic QR code is generated with a pre-defined payment amount.
Generate UPI link and share with customers over WhatsApp and get paid instantly.
Send a payment collect request to the customer's phone number or UPI ID and accept payments via UPI.
Cashfree provides a comprehensive suite of UPI payment solutions:
Manage your offline payments collection easily by generating QR code from your desktop or your softPOS app. Static QR codes allow merchants to generate one or multiple Static QR codes where they can accept payment of any amount.
Automate recurring payments collection up to ₹15,000 with one time UPI mandate authorization and grow your subscription business.
Hold customer payments via one-time mandate pre-authorization from any UPI app. Without manual intervention, you can auto-debit from your customer's accounts on the authorized date.
Cashfree charges 0% MDR (Merchant Discount Rate) per transaction on collections using UPI payment mode for merchants using Cashfree's Payment Gateway.
"As a service that prioritises convenience, our association with Cashfree Payments enables a seamless UPI payment experience for our customers."
— Amritansu Nanda, Chief Marketing Officer, Zepto
"We saw that the UPI success percentages with other payment aggregators were a little low. With Cashfree's Payment Gateway, we experienced a tremendous increase in our success rates in UPI. This has helped us increase our customer conversion ratio."
— Parasar Sarma, Vice President of Growth, Wakefit
As a merchant, you don't have to integrate with different UPI apps separately. You can integrate Cashfree Payments UPI Payment Gateway with your website or mobile app to offer 20+ UPI apps to your customers in one place.
No separate integration is required to accept UPI payments on Cashfree Payment Gateway. If you are a merchant using Cashfree Payment Gateway, no additional activation is required to start using UPI for accepting payments.
For step-wise integration guide, watch the video at: https://www.youtube.com/watch?v=oSosi4waSR0
Cashfree's UPI Payment Gateway has deep integration with 8+ banks and uses state-of-the-art real time dynamic routing between multiple banks to maximize the success rate for its customers.
In UPI, the money is settled as per mutually agreed upon settlement terms. Default settlement cycle is (T+2)* days where (T) is the day of transaction. Many businesses with Cashfree opt for instant settlements to manage their working capital effectively.
*Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
Unified Payments Interface (UPI) is real-time, secure payment system developed by National Payments Corporation of India (NPCI). It helps in immediate money transfer easily through mobile device 24*7 and 365 days.
UPI ID is a unique identifier to each UPI linked bank account and are used to facilitate payments between customers and merchants. It provides a Virtual Payments Address (UPI VPA) to enter when transferring money to the account linked to a UPI ID.
UPI PIN is a unique 4 or 6 digit pin that the user has to set to authenticate every payment made via UPI apps.
A UPI (Unified Payments Interface) payment gateway is a digital service that facilitates online transactions via the UPI infrastructure. It's essentially a bridge between a customer's bank account and a merchant's bank account, allowing for instant money transfers through a secure, real-time system.
The following stages are involved in a UPI transaction:
Initiation: A customer initiates a transaction on a website or app, selecting UPI as their preferred payment method.
UPI Interface: The UPI payment gateway presents the customer with an interface to enter their UPI ID (also known as a Virtual Payment Address or VPA). Alternatively, the customer may be presented with a QR code to scan using their UPI-enabled mobile app.
Authorization: The customer authorizes the transaction on their UPI app, typically by entering a secure PIN.
Completion: Once authorized, the transaction is processed in real time. The funds are transferred directly from the customer's bank account to the merchant's bank account.
Confirmation: The merchant and the customer receive confirmation of the transaction.
A UPI payment gateway is useful for businesses because it allows them to accept payments directly from a customer's bank account, simplifying the payment process and reducing the reliance on physical card infrastructure. It also enables customers to make payments anytime, anywhere, using just their mobile device.
The UPI transaction limit can vary from bank to bank, but generally, the UPI transaction limit per day is set at ₹1 lakh, as defined by the National Payments Corporation of India (NPCI). The limit can be categorized into two aspects:
Limit of the transaction amount: the maximum amount of money that can be transferred via UPI.
Frequency: the number of UPI transactions a person can do in a day.
For instance, State Bank of India (SBI) has a UPI limit per day of ₹1,00,000. Some banks also set a limit for how much can be transferred through UPI in a week. For example, IDFC bank has a UPI limit per week of ₹1,00,000. For more details, read at: https://www.cashfree.com/blog/upi-transaction-limit/
For merchants using Cashfree's Payment Gateway, we charge 0% MDR per transaction on collections using UPI payment mode. Read mode wise pricing at /payment-gateway-charges/ in detail.
As a merchant, you don't have to integrate with different UPI apps separately. You can integrate Cashfree Payments UPI Payment Gateway with your website or mobile app to offer 20+ UPI apps to your customers in one place. For step-wise integration guide, watch this video: https://www.youtube.com/watch?v=oSosi4waSR0
In UPI, the money is settled as per mutually agreed upon settlement terms. Default settlement cycle is (T+2)* days where (T) is the day of transaction. Many businesses with Cashfree opt for instant settlements to manage their working capital effectively.
The UPI Payment Gateway provided by Cashfree is compatible with all PSPs such as PhonePe, Google Pay, Paytm, CRED, among others. For a comprehensive list, please visit https://www.npci.org.in/what-we-do/upi/3rd-party-apps
To support the requirements of omni-channel merchants which has both offline and online presence, Cashfree Payments offers Static QR under Payment Gateway where merchant can generate one (or) multiple Static QR codes, where they can accept payment of any amount. A dynamic QR code, on the other hand, has a fixed amount linked to it. Customers can pay only the fixed amount assigned to the QR code. For each transaction, a unique dynamic QR code is generated with a pre-defined payment amount.
Based on your customer use case, you can choose between static and dynamic QR codes to accept payments. Read more about UPI QR code at: /upi-qr-code/
Cashfree's UPI Payment Gateway has deep integration with 8+ banks and uses state-of-the-art real time dynamic routing between multiple banks to maximize the success rate for its customers.
Absolutely not! If you are a merchant using Cashfree Payment Gateway, no additional activation is required to start using UPI for accepting payments. To get access to merchant dashboard of Payment Gateway, connect with us at /contact-sales/
Unified Payments Interface (UPI) transactions are generally considered safe due to several security features and protocols established by NPCI:
Two-Factor Authentication: UPI transactions require two-factor authentication, which typically involves a combination of something the user knows (like a password) and something the user has (like a mobile phone). This significantly reduces the risk of unauthorized transactions.
Encryption: UPI transactions are encrypted, which means that the data sent over the network is scrambled and can only be read by the intended recipient.
Regulation: UPI is regulated by the Reserve Bank of India and developed by the National Payments Corporation of India (NPCI), ensuring a high standard of security and regulatory oversight.
Transaction Limits: UPI has daily transaction limits which provide an additional layer of protection against fraud.
Immediate Alerts: Users receive instant notifications for all transactions, allowing them to quickly detect and report any suspicious activity.
However, users can mitigate risks by being vigilant, never sharing their UPI PIN with anyone, keeping their mobile operating system and UPI apps up-to-date, and only conducting transactions with trusted parties.
Cashfree UPI Payment Gateway is built to serve all business needs effectively. The 4 workflows supported for UPI checkout experience include:
Certificate of Authorisation No. 266/2025
Document available at: https://cashfreelogo.cashfree.com/website/pdf/PA-License.pdf
Certificate of Authorisation No. 209/2024
Document available at: https://cashfreelogo.cashfree.com/website/pdf/CoA-CashfreePaymentsIndiaPrivateLimited-PPI.pdf
Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis partners and was incubated by PayPal.
To create an account or contact sales for custom solutions:
Sign up at: https://merchant.cashfree.com/merchants/signup
Contact sales at: /ae/contact-sales/
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