Collect UPI payments easily from your customers. Accept payments from any UPI app. Choose from a range of UPI integration options for the desired payment flow and achieve the highest UPI success rates.
Create Account · Contact Sales
Supported UPI Apps: PhonePe · Google Pay · Paytm · BHIM · Amazon Pay · WhatsApp · TATA NEU · And more
Cashfree UPI Payment Gateway supports four checkout flows:
Simplify UPI payments for your customer by automatically opening UPI apps installed on the customer's mobile for faster checkout. Create Account
Generate a QR code on your website checkout page and let customers scan and pay using any UPI app. Create Account
Generate a UPI link and share with customers over WhatsApp — get paid instantly. Create Account
Send a payment collect request to the customer's phone number or UPI ID and accept payments via UPI. Create Account
"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
Manage offline payment collection easily by generating a QR code from your desktop or softPOS app. Generate one or multiple Static QR codes to accept payment of any amount. Learn more
Automate recurring payment collection up to ₹15,000 with one-time UPI mandate authorisation and grow your subscription business. Learn more
Hold customer payments via one-time mandate pre-authorisation from any UPI app. Without manual intervention, auto-debit from your customer's account on the authorised date.
1.6% MDR per transaction Under Cashfree Anniversary Offer*, get the most cost-efficient pricing for collecting payments using UPI payment mode.
View detailed mode-wise pricing →
If you are already using Cashfree Payment Gateway, no additional activation is required to start accepting UPI payments. UPI is built in.
Cashfree's UPI Payment Gateway has deep integration with 8+ banks and uses real-time dynamic routing between multiple banks to maximise success rates on every transaction.
Money is settled as per mutually agreed settlement terms. Default settlement cycle is T+2 days (T = day of transaction). Instant settlements are available for businesses that need faster access to collections.
Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters, and other factors.
UPI (Unified Payments Interface) A real-time, secure payment system developed by the National Payments Corporation of India (NPCI). It enables immediate money transfers via mobile device, 24×7, 365 days a year.
UPI ID A unique identifier linked to a UPI-enabled bank account. Provides a Virtual Payment Address (VPA) used to send or receive money without sharing bank account details.
UPI PIN A unique 4 or 6 digit PIN that the user sets to authenticate every payment made via UPI apps.
A UPI payment gateway is a service that enables businesses to collect payments through the Unified Payments Interface (UPI) infrastructure. It connects a customer's bank account to a merchant's bank account, enabling instant, real-time transfers via any UPI-enabled app — without requiring card details or net banking credentials.
A UPI transaction goes through five stages:
The standard UPI transaction limit is ₹1 lakh per day, as set by NPCI. However, limits can vary by bank — some banks may apply per-transaction or weekly caps. For example, IDFC Bank applies a ₹1 lakh weekly UPI limit. Read more about UPI transaction limits →
You don't need to integrate with individual UPI apps separately. Integrating Cashfree's UPI Payment Gateway gives your customers access to all major UPI apps in one place — including PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, and more. If you're already using Cashfree Payment Gateway, no additional activation is needed. Watch the step-wise integration guide →
Settlements follow mutually agreed terms. The default settlement cycle is T+2 days (where T is the day of transaction). Instant Settlements are available for businesses that need faster access to their collections.
Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, and risk parameters.
Cashfree's UPI Payment Gateway is compatible with all UPI PSPs (Payment Service Providers) — including PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, WhatsApp, TATA NEU, and all other apps listed at npci.org.in.
Cashfree supports both Static and Dynamic QR codes:
Cashfree's UPI Payment Gateway has deep integration with 8+ banks and uses real-time dynamic routing between multiple banks. This means if a transaction fails on one bank's rails, it is automatically re-routed to maximise the chance of success — without any manual intervention.
No. If you are already using Cashfree Payment Gateway, UPI is enabled by default — no additional activation or integration is needed. Contact Sales to get started →
Yes. UPI transactions have multiple security layers established by NPCI:
Users should never share their UPI PIN with anyone, keep their UPI apps updated, and only transact with trusted parties.
Cashfree UPI Payment Gateway supports 4 checkout flows:
Create Account · Contact Sales
Cashfree Payments enables 1 Million+ growing businesses in India and globally to collect payments, manage international payments, and more. Backed by SBI, Y Combinator, Krafton, and Apis Partners. Incubated by PayPal.
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RBI Authorised Payment Aggregator License — Certificate of Authorisation No. 266/2025 RBI Authorised Prepaid Payment Instrument (PPI) Provider — Certificate of Authorisation No. 209/2024
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