Overview#
UPI Direct by Indiconnect provides a seamless and secure way for businesses to accept digital payments through dynamic UPI QR codes and direct payment requests. This API enables merchants to generate real-time QR codes, request payments, and track transactions efficiently. With features like secure encryption, tokenization, and real-time monitoring, UPI Direct ensures smooth payment processing for businesses of all sizes.Key Features#
Dynamic QR Code Generation: Instantly create unique QR codes with embedded payment details such as amount, order ID, and merchant information.
Secure Transactions: Ensures data protection through robust encryption and tokenization.
Seamless API Integration: Easily integrate UPI Direct into your existing systems, apps, or websites.
Real-time Monitoring: Track payments, statuses, and transaction volumes in real-time.
Optimized Checkout Experience: Enhance the payment process for customers with fast, hassle-free transactions.
Types of Requests#
UPI Direct supports multiple types of payment requests, allowing businesses to handle transactions flexibly:Collect Request: Initiate a UPI payment request where customers authorize the payment via their UPI app.
Dynamic QR Request: Generate real-time QR code link embedded with transaction details for easy scanning and payment.
Intent QR Request: Create QR code link for intent-based payments, streamlining the checkout experience.
Lifecycle of a UPI Transaction#
A UPI transaction follows these statuses:Success: The transaction is successfully processed, and funds are transferred.
Pending: The customer has received the payment request but has not yet authorized it.
Deemed: It means transaction is treated as complete, even if it hasn't fully gone through yet, based on certain rules or conditions.
How to Integrate UPI Direct ?#
To start using UPI Direct, follow these steps:1.
Subscribe and Obtain API Credentials
Sign up for UPI Direct and get access to your API keys from the merchant portal.
Use these credentials to authenticate your API requests securely.
2.
Integrate UPI Direct APIs
Refer to the API documentation for endpoints and request parameters.
Implement the appropriate request type based on your payment flow (Collect, Dynamic QR, etc.).
Use standard REST API calls to initiate and manage transactions.
3.
Monitor Transactions in Real-Time
Track payment statuses using API response codes and transaction monitoring tools.
Implement webhook notifications to receive real-time updates on payment completions.
Error Handling#
200 OK – Request successful.
400 Bad Request – Invalid request parameters.
401 Unauthorized – Invalid API key or authentication issue.
404 Not Found – Requested resource does not exist.
408 Request Timeout – Payment request expired before customer authorization.
500 Internal Server Error – Temporary server issue, retry after some time.
Troubleshooting Tips#
Ensure API keys are correctly passed in the request headers.
Validate UPI IDs before initiating a transaction.
Check for sufficient balance in the payer’s account.
Verify webhook configuration to receive transaction updates.
Confirm that the UPI service provider is not experiencing downtime.
FAQs#
Q1: What is UPI Direct?
UPI Direct enables businesses to accept payments via UPI using QR codes and direct payment requests.Q2: How do I generate a UPI QR Code?
Use the Dynamic QR API to create a real-time QR code with transaction details.Q3: What happens if a customer does not complete the payment?
If the customer does not authorize the request, the transaction remains in pending status until it expires.Q4: Can I cancel a payment request?
No, once a payment request is generated, it cannot be canceled. However, if the customer does not approve it, meaning the customer declines it the collect request. the request will expire.Q5: How do I check the status of a transaction?
Use the transaction status API to retrieve real-time payment updates.Support#
For further assistance, visit the Indiconnect Developer Portal or contact our support team.Modified at 2026-04-06 06:29:15
