Flash UPI - Native In-App UPI Payments for Mobile Applications

Overview

Flash UPI is India's favourite payment method enhanced for mobile applications. It delivers faster, safer, and more seamless UPI payments directly within your application environment, eliminating the need for third-party app redirections.

Key Benefits

Performance Metrics

Core Advantages

Faster Checkout Equals Higher Conversions

Checkout in less than 5 seconds in just one step and without redirections to third-party applications.

Reduced Dropouts with Native UPI Payment Flow

Your customer never leaves your application with a single-step, in-app checkout experience.

Complete Visibility and Data of Customer Journeys

Track your customer's interactions with your applications without losing them to redirections.

Failure-Free Customer Experience

Stop losing customers to pending and failed payments with 10% higher success rates.

Ideal Use Cases

Flash UPI is perfect for businesses obsessed with customer experience across multiple industries:

Cab Aggregators and Transportation Services

Reduce the transaction friction and make it easier for customers to book and ride seamlessly with a payment experience that's as fast and convenient as your brand.

E-Commerce

Don't let your customer reconsider - use offers with direct embedded UPI payments to increase conversions and drive customer delight and retention.

Food Delivery

Don't let the munchies be derailed by payment failures! Allow your users to get those burgers, biryanis, or bhaturas at the speed of light.

Quick Commerce

Offer your users an end-to-end experience that is as fast and as powerful as your riders and services.

Technical Information

What is Flash UPI and How Does It Work?

Flash UPI is a mobile SDK built by Cashfree Payments. It is designed to help businesses operating mobile applications to enable 'in-app' UPI payments - in other words, to make UPI payments within the business application itself, without needing to interact with a third-party UPI application.

Flash UPI works in accordance with NPCI's OC 154 Circular, and has been built in partnership with Axis Bank. Cashfree Payments is working directly with Axis to process UPI payments, and by installing the Flash UPI SDK on your mobile application, you will be able to offer your customers a truly in-app payments experience.

How Flash UPI Differs from Existing UPI Offerings

Currently, UPI payments can be collected in 3 distinct flows - Collect, Intent, and via QR code. In each of them, a UPI application is the environment in which the payment is validated and initiated.

Flash UPI enables the payment to happen in the business application itself, cutting out multiple steps that make checkout slower and less convenient, which increases cart abandonment. It also increases the success rate by 10%.

For more details on Flash UPI, you can read the blog at: https://www.cashfree.com/blog/faster-payments-with-flash-upi/

Security and Customer Data Protection

Flash UPI is completely secure and is in accordance with NPCI's OC 154 Circular. Essentially, Axis/ICICI Bank's UPI processing capabilities are being brought directly to business mobile applications with Cashfree Payments' expertise in building payments solutions.

Mobile application customers will have to undergo a one-time registration process. Subsequent transactions will be enabled via the bank and Cashfree Payments only. At all points, end customer payment information will be stored securely and safely, consistent with the highest security standards and with the same security applicable to normal UPI transactions.

Why Success Rates Are Higher

The absence of the redirection to a UPI app and the direct integration to Axis/ICICI bank means that one layer - and one potential source of failure - is removed. Additionally, a shorter and faster process reduces the probability of other failure reasons, including poor internet connectivity, server downtimes, and user cancellations.

Frequently Asked Questions

What is Flash UPI? How does it work?

Flash UPI is a mobile SDK built by Cashfree Payments. It is designed to help businesses operating mobile applications to enable 'in-app' UPI payments - in other words, to make UPI payments within the business application itself, without needing to interact with a third-party UPI application. It works in accordance with NPCI's OC 154 Circular, and has been built in partnership with Axis Bank. Cashfree Payments is working directly with Axis to process UPI payments, and by installing the Flash UPI SDK on your mobile application, you will be able to offer your customers a truly in-app payments experience.

How is it different from existing UPI offerings?

Currently, UPI payments can be collected in 3 distinct flows - Collect, Intent, and via QR code. In each of them, a UPI application is the environment in which the payment is validated and initiated. Flash UPI enables the payment to happen in the business application itself, cutting out multiple steps that make checkout slower and less convenient, which increases cart abandonment. It also increases the success rate by 10%. For more details on Flash UPI, you can read our blog here: https://www.cashfree.com/blog/faster-payments-with-flash-upi/

Is Flash UPI secure? Are my customer's details protected?

Flash UPI is completely secure and is in accordance with NPCI's OC 154 Circular. Essentially, Axis/ICICI Bank's UPI processing capabilities are being brought directly to business mobile applications with Cashfree Payments' expertise in building payments solutions. Mobile application customers will have to undergo a one-time registration process. Subsequent transactions will be enabled via the bank and Cashfree Payments only. At all points, end customer payment information will be stored securely and safely, consistent with the highest security standards and with the same security applicable to normal UPI transactions.

Why is the success rate higher for Flash UPI?

The absence of the redirection to a UPI app and the direct integration to Axis/ICICI bank means that one layer - and one potential source of failure - is removed. Additionally, a shorter and faster process reduces the probability of other failure reasons, including poor internet connectivity, server downtimes, and user cancellations.

Get Started

Flash UPI is currently available for early access. To learn more or request access, visit: https://form.typeform.com/to/ulxNg7jC

For additional questions and support, visit the Cashfree Payments support page at: https://www.cashfree.com/docs/help/overview

About Cashfree Payments

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.

Regulatory Authorizations