{"id":1122,"date":"2019-02-12T16:47:10","date_gmt":"2019-02-12T11:17:10","guid":{"rendered":"https:\/\/cashfree.com\/blog\/?p=1122"},"modified":"2023-01-03T15:30:01","modified_gmt":"2023-01-03T10:00:01","slug":"cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/","title":{"rendered":"[What&#8217;s New] Cashfree introduces Virtual UPI IDs : Collect payments directly via WhatsApp, Google Pay &#038; BHIM"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a8f366423e48\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a8f366423e48\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/#Virtual_Bank_Accounts_to_Virtual_UPI_IDs\" >Virtual Bank Accounts to Virtual UPI IDs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/#Virtual_UPI_IDs_-How_it_works\" >Virtual UPI IDs -How it works?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/#Lets_see_how_Virtual_UPI_IDs_work\" >Let\u2019s see how Virtual UPI IDs work.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/#Virtual_UPI_IDs_for_all_type_of_payments\" >Virtual UPI IDs for all type of payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/#Whatsapp_Payments_Payment_flow\" >Whatsapp Payments: Payment flow<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/#Easy_reconciliation_for_Google_Pay_payments\" >Easy reconciliation for Google Pay payments<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">UPI has kicked in surpassing NEFT and IMPS in transaction volume. We, at Cashfree, have always believed in UPI as a paradigm shift in payments in India.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">We did a story on UPI growth trend. <a href=\"https:\/\/cashfree.com\/blog\/upi-india-growth-trend-real-numbers-factual-analysis\/\">Check it out here.<\/a> <\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">As we began exploring the momentous potential of the technology, we partnered with <a href=\"https:\/\/blogrevamp.cashfree.com\/payment-gateway-charges\/\">GooglePay, PhonePe, BHIM App<\/a> to offer UPI for faster checkouts on Cashfree payment gateway but there was definitely more to it. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To unleash the power of UPI we introduced Virtual UPI IDs. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"628\" data-attachment-id=\"1162\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/virtual-upi-id\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/virtual-UPI-ID.png?fit=1200%2C628&amp;ssl=1\" data-orig-size=\"1200,628\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"virtual UPI ID\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/virtual-UPI-ID.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i2.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2019\/02\/virtual-UPI-ID.png?fit=1024%2C536&amp;ssl=1\" alt=\"Cashfree launches Virtual UPI IDs for easy reconciliation\" class=\"wp-image-1162\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/virtual-UPI-ID.png?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/virtual-UPI-ID.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/virtual-UPI-ID.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/virtual-UPI-ID.png?resize=1024%2C536&amp;ssl=1 1024w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-virtual-bank-accounts-to-virtual-upi-ids\"><span class=\"ez-toc-section\" id=\"Virtual_Bank_Accounts_to_Virtual_UPI_IDs\"><\/span><strong>Virtual Bank Accounts to Virtual UPI IDs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In 2016, we rolled out <a href=\"https:\/\/blogrevamp.cashfree.com\/auto-e-collect\">autocollect-<\/a>a smart cash management solution that uses virtual bank accounts to accept and reconcile NEFT\/RTGS\/IMPS transfers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Virtual bank accounts are pass-through accounts linked to a real bank account identified by a unique virtual account number (instead of bank a\/c no. &amp; IFSC). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cashfree customers like Milaap, India\u2019s largest crowdfunding platform, generate virtual banks accounts for each donation\/funding drive and track the campaign payments easily.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The idea of virtual accounts for easy collection and reconciliation had been already validated, when we saw UPI surpassing the traditional modes, we wanted to facilitate easy reconciliation for UPI payments as well. <br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-virtual-upi-ids-how-it-works\"><span class=\"ez-toc-section\" id=\"Virtual_UPI_IDs_-How_it_works\"><\/span><strong>Virtual UPI IDs -How it works? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let take a fictional example of a school say DPS.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">DPS\u2019s every branch has 100s and 1000s of students. Every month, the school receives payments against tuition fee. The inbound payment needs to be matched with each student to track which student has made the payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It takes over a week at times for the accounts team of schools to manually reconcile payments. This problem of payment collection and reconciliation can be resolved using Virtual UPI IDs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-let-s-see-how-virtual-upi-ids-work\"><span class=\"ez-toc-section\" id=\"Lets_see_how_Virtual_UPI_IDs_work\"><\/span><strong>Let\u2019s see how Virtual UPI IDs work.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>School generates unique virtual UPI IDs for each student based on roll no. for eg for a student named Rohit Sharma, Class 9, section A, roll number 01, a unique VPA can be created 9A01@okaxis.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"770\" height=\"381\" data-attachment-id=\"1284\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/1-4\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/1.png?fit=1426%2C706&amp;ssl=1\" data-orig-size=\"1426,706\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/1.png?fit=770%2C381&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2019\/02\/1-1024x507.png?resize=770%2C381&#038;ssl=1\" alt=\"upi accept payment via google pay\" class=\"wp-image-1284\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/1.png?resize=1024%2C507&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/1.png?resize=300%2C149&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/1.png?resize=768%2C380&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/1.png?w=1426&amp;ssl=1 1426w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>School n<g class=\"gr_ gr_18 gr-alert gr_spell gr_inline_cards gr_run_anim ContextualSpelling ins-del multiReplace\" id=\"18\" data-gr-id=\"18\">otifies<\/g> students via email\/SMS\/WhatsApp or App notification<\/li>\n\n\n\n<li>Student pays to the assigned virtual account using GooglePay, BHIM, Paytm, Whatsapp or any other UPI App<\/li>\n\n\n\n<li>Once the payment is received school gets instantly notified about the transaction and payment details via a <a href=\"https:\/\/docs.cashfree.com\/docs\/cac\/guide\">webhook<\/a>. <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-virtual-upi-ids-for-all-type-of-payments\"><span class=\"ez-toc-section\" id=\"Virtual_UPI_IDs_for_all_type_of_payments\"><\/span><strong>Virtual UPI IDs for all type of payments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Virtual UPI payments can be used for both B2B &amp; B2C payments. Some popular use cases include utility bills, loan repayment, payment collection from retailers by wholesalers etc<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These payments can be in nature of <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One time payments<\/li>\n\n\n\n<li>Repeat payments ( where dedicated virtual accounts <g class=\"gr_ gr_3 gr-alert gr_gramm gr_inline_cards gr_run_anim Grammar multiReplace\" id=\"3\" data-gr-id=\"3\">is<\/g> used for each customer) and <\/li>\n\n\n\n<li>Campaign based payments.<br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As UPI becomes the norm, payment collection can become more efficient using the Virtual UPI IDs. With almost every user carrying a smartphone, it is now easier than ever before to make payments using UPI based solutions.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apart from dedicated UPI apps, other mobile apps such as Uber are also adding UPI as a payment mode. Most recent is Whatsapp which is rolling out WhatsApp payments feature for its 200 million active user base in the country. <br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-whatsapp-payments-payment-flow\"><span class=\"ez-toc-section\" id=\"Whatsapp_Payments_Payment_flow\"><\/span>Whatsapp Payments: Payment flow<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Step 1: Merchant defines a custom VPA &nbsp;( using API multiple unique VPAs can be generated against each invoice\/customer or campaign). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An email with the virtual UPI ID can also be triggered via Cashfree. The merchant may also share the Virtual UPI ID with the customer as a WhatsApp message or attached with invoice over email or SMS.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Step 2: Customer opens Whatsapp settings&gt; payments &gt; New payments&gt; Selects \u201cTo UPI ID\u201d<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/ryI0QoiPcscVrK_Xvcm_wmrj61kcaTJ3n0r6hZHqvUKdZueMcMtvagKnwRokFczq68E7rWQIV28X4c_YnIIbJp1fpspir7dmBjVEHvd27b377MNlrWVvGD-Vf0Wfmoxqlz876oo\" alt=\"step-2\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Step 3: The customer enters the id&gt; enters the amount&gt; enter UPI PIN, once transaction is successful, customer gets message.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1197\" height=\"501\" data-attachment-id=\"1328\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/posteremail\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/PosterEmail.png?fit=1197%2C501&amp;ssl=1\" data-orig-size=\"1197,501\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"PosterEmail\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/PosterEmail.png?fit=770%2C323&amp;ssl=1\" src=\"https:\/\/i2.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2019\/02\/PosterEmail.png?fit=1024%2C429&amp;ssl=1\" alt=\"step-3\" class=\"wp-image-1328\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/PosterEmail.png?w=1197&amp;ssl=1 1197w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/PosterEmail.png?resize=300%2C126&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/PosterEmail.png?resize=768%2C321&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/PosterEmail.png?resize=1024%2C429&amp;ssl=1 1024w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Step 4: Merchant gets notified of payment and the payment is automatically mapped with the paying customer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We have seen businesses of all sizes use Whatsapp for business communication ( think about your flight invoice being delivered on your WhatsApp messenger). With WhatsApp messages already encrypted, payments are likely to get adequate security. As Whatsapp UPI payments pick up, we can expect more businesses to use Virtual UPI IDs to accept and reconcile such payments.<\/p>\n\n\n\n<!-- DESKTOP -->\n<div class=\"tool__product desktop-banner d-none d-md-block d-lg-block d-xl-block\">\n    <div>\n        <div class=\"tool__product-icon\"><\/div>\n        <div class=\"tool__product-copy\">\n            <div class=\"tool__product-headline\"> Looking for easy bill &amp; fees collection?<\/div>\n            <div class=\"tool__product-note\"> Generate Virtual UPI IDs &amp; accept payments via WhatsApp, GooglePay &amp; BHIM. Receive money on same day.<\/div>\n        <\/div>\n        <a id=\"pcblogcontact2\" href=\"https:\/\/blogrevamp.cashfree.com\/contact-sales\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"tool__product-button\">Contact Us<\/div><\/a>\n    <\/div>\n<\/div>\n\n\n\n<!-- MOBILE -->\n<div class=\"tool__product d-block d-sm-block d-md-none\">\n    <div class=\"row\">\n        <div class=\"tool__product-icon\"><\/div>\n        <div class=\"tool__product-copy\">\n            <div class=\"tool__product-headline\"> Looking for easy bill &amp; fees collection?<\/div>\n            <div class=\"tool__product-note\"> Generate Virtual UPI IDs &amp; accept payments via WhatsApp, GooglePay &amp; BHIM. Receive money on same day.<\/div>\n        <\/div>\n        <a id=\"mblogcontact2\" href=\"https:\/\/blogrevamp.cashfree.com\/contact-sales\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"tool__product-button\">Contact Us<\/div><\/a>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-easy-reconciliation-for-google-pay-payments\"><span class=\"ez-toc-section\" id=\"Easy_reconciliation_for_Google_Pay_payments\"><\/span>Easy reconciliation for Google Pay payments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">GooglePay is one of the most popular UPI apps. Using Cashfree Autocollect Virtual UPI IDs, a merchant can easily collect payments and auto-reconcile the payments.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The steps to create the unique virtual UPI ID remains same. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Payment flow<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Merchant defines a custom VPA &nbsp;( using API multiple dynamic VPA can be generated against each invoice\/customer). <br><br><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/k5iQxPzOZnd0Fua_CCWHvoKqFLV-doiSHMwhT1ODhgX5DYSqaIFfw9LE9apm_6dGyannWGwVN8dtHkmx0GQXRnVR0NTAVvwgJ0Bv6Xn4ORz0DlsiueC_5Y1QMWi31scxwl3-EcA\" alt=\"flow-1\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"> Shares Virtual UPI ID with the customer (details can be mentioned on the invoice\/merchant can also send a push notification, if a application is used).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. Customer opens GooglePay App&gt; taps on New&gt; UPI ID OR QR<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"433\" data-attachment-id=\"1229\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/googlepay\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/GOOGLEPAY.png?fit=960%2C540&amp;ssl=1\" data-orig-size=\"960,540\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"GOOGLEPAY\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/GOOGLEPAY.png?fit=770%2C433&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2019\/02\/GOOGLEPAY.png?resize=770%2C433&#038;ssl=1\" alt=\"flow-2\" class=\"wp-image-1229\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/GOOGLEPAY.png?w=960&amp;ssl=1 960w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/GOOGLEPAY.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/GOOGLEPAY.png?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">3. Selects UPI ID&gt; enters VPA&gt; verifies &amp; then clicks on Pay.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"433\" data-attachment-id=\"1346\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/png\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/png.png?fit=960%2C540&amp;ssl=1\" data-orig-size=\"960,540\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"png\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/png.png?fit=770%2C433&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2019\/02\/png.png?resize=770%2C433&#038;ssl=1\" alt=\"flow-3\" class=\"wp-image-1346\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/png.png?w=960&amp;ssl=1 960w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/png.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2019\/02\/png.png?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">4. Customer enters the amount and pays. As soon as the payment is successful, the customer gets transaction completion message and merchants also get notified.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh4.googleusercontent.com\/IV8blXkLar6XWnLhFXQL1oZnFrI2aHwIN2kEQnK4AcSrhtI1sqCzzNh4fUb33VknJ6NmpmT-39gYXQui5MpT16nmOh1HjdJJLkUd6Sm5p5HdjtuqSnc5Aqgq51mRjDV7BQNW5-o\" alt=\"flow-4\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Until now, UPI has been used mostly for <strong>small ticket size transactions<\/strong>. With the provision of automated reconciliation through virtual UPI IDs, a growing number of business will start to offer UPI payment option. The usage of virtual UPI IDs means ease of payment for customer, while &nbsp;merchant gets better visibility of payment collection status which helps in effective cash flow management.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>About Cashfree Autocollect <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/blogrevamp.cashfree.com\/auto-e-collect\">Cashfree Autocollect<\/a> is an advanced cash management services that help businesses match inbound payments to customers using Virtual bank accounts and Virtual UPI IDs. Used by businesses like Milaap, <g class=\"gr_ gr_7 gr-alert gr_spell gr_inline_cards gr_run_anim ContextualSpelling ins-del multiReplace\" id=\"7\" data-gr-id=\"7\">EarlySalary<\/g> etc, more than 3 million virtual bank accounts and UPI IDs have been created by Cashfree merchants. <\/p>\n\n\n\n<!-- DESKTOP -->\n<div class=\"tool__product desktop-banner d-none d-md-block d-lg-block d-xl-block\">\n    <div>\n        <div class=\"tool__product-icon\"><\/div>\n        <div class=\"tool__product-copy\">\n            <div class=\"tool__product-headline\"> Looking for easy bill &amp; fees collection?<\/div>\n            <div class=\"tool__product-note\"> Generate Virtual UPI IDs &amp; accept payments via WhatsApp, GooglePay &amp; BHIM. Receive money on same day.<\/div>\n        <\/div>\n        <a id=\"pcblogcontact\" href=\"https:\/\/blogrevamp.cashfree.com\/contact-sales\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"tool__product-button\">Contact Us<\/div><\/a>\n    <\/div>\n<\/div>\n\n\n\n<!-- MOBILE -->\n<div class=\"tool__product d-block d-sm-block d-md-none\">\n    <div class=\"row\">\n        <div class=\"tool__product-icon\"><\/div>\n        <div class=\"tool__product-copy\">\n            <div class=\"tool__product-headline\"> Looking for easy bill &amp; fees collection?<\/div>\n            <div class=\"tool__product-note\"> Generate Virtual UPI IDs &amp; accept payments via WhatsApp, GooglePay &amp; BHIM. Receive money on same day.<\/div>\n        <\/div>\n        <a id=\"mblogcontact\" href=\"https:\/\/blogrevamp.cashfree.com\/contact-sales\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"tool__product-button\">Contact Us<\/div><\/a>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>UPI has kicked in surpassing NEFT and IMPS in transaction volume. We, at Cashfree, have always believed in UPI as a paradigm shift in payments in India. We did a story on UPI growth trend. Check it out here. As we began exploring the momentous potential of the technology, we partnered with GooglePay, PhonePe, BHIM<\/p>\n","protected":false},"author":7,"featured_media":7002,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1,1372],"tags":[1522,1379,1381,1385],"class_list":["post-1122","post","type-post","status-publish","format-standard","has-post-thumbnail","category-all","category-updates","tag-cashfree-payments","tag-online-payment-gateway","tag-payment-solution","tag-upi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>[What&#039;s New] Cashfree introduces Virtual UPI IDs : Collect payments directly via WhatsApp, Google Pay &amp; BHIM<\/title>\n<meta name=\"description\" content=\"Virtual UPI IDs are like any other UPI ID. For each customer\/invoice a unique UPI can be created helping in easy matching of inbound payments. Works for payments via Whatsapp, GooglePay or other UPI app.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cashfree.com\/blog\/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[What&#039;s New] Cashfree introduces Virtual UPI IDs : Collect payments directly via WhatsApp, Google Pay &amp; BHIM\" \/>\n<meta property=\"og:description\" content=\"Virtual UPI IDs are like any other UPI ID. For each customer\/invoice a unique UPI can be created helping in easy matching of inbound payments. 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