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UPI Banking
Product

UPI acceptance, built for merchants outside India

One payment method, handled properly: your customers pay with UPI, your business keeps operating where it already is.

Get StartedSee pricing

What the service does

UPI Banking is a payment service that lets eligible international merchants accept UPI payments from their customers.

Included

  • Merchant registration and onboarding for UPI acceptance
  • A UPI payment option you can offer inside your existing checkout
  • Integration details issued to your merchant account during onboarding
  • A single point of contact for eligibility and onboarding questions

Not included

  • Bank accounts, deposits, credit or investment products
  • A general-purpose payments platform covering every payment method
  • Tax, legal or regulatory advice for your business
  • Guaranteed approval - eligibility and onboarding checks apply

About the name

UPI Banking is a brand name for a payment service. It is not a bank, and it does not provide deposit accounts, credit or investment products.

Payment flow

One checkout, UPI end to end

Illustrative

  1. Customer

    Chooses UPI at your checkout

  2. UPI

    Approves the payment in their own app

  3. UPI Banking

    Handles UPI acceptance for your account

  4. Your business

    Operating outside India

Merchant location

Outside India

Payment method

UPI

Registration

$100 one-time

Capabilities

What you get

Everything below describes the service as offered today. Nothing here is aspirational.

  • Global Merchant Access

    Accept UPI while operating your business outside India.

  • UPI-Focused

    Payment acceptance built around UPI, not bolted on beside it.

  • Simple Registration

    Start with a one-time $100 registration.

  • International Checkout

    Give customers the familiar UPI payment experience they expect.

  • Developer-Friendly

    Integrate UPI payment acceptance into the checkout you already run.

  • One Onboarding

    No additional registration requirement after the initial registration, subject to eligibility and applicable requirements.

Why merchants choose it

A narrow product, done deliberately

  • Built around one payment method

    UPI acceptance is the product, not one option in a long list. Onboarding, support and integration are all shaped around it.

  • For merchants outside India

    The service is designed for eligible international merchants whose customers want to pay with UPI.

  • One registration to start

    A $100 one-time registration fee, stated up front. Most merchants pay no transaction fees. Where a fee does apply, it depends on the merchant arrangement.

  • Direct onboarding

    You talk to the team handling your account. Eligibility, requirements and timelines are confirmed with you, not guessed from a help centre.

Use cases

Who it fits

  • SaaS

    Let customers pay for your product with the method they already use, without moving your company.

  • Ecommerce

    Add UPI as a checkout option for shoppers who prefer it over cards.

  • Digital products

    Sell downloads, licences and memberships to customers who pay by UPI.

  • Online services

    Take payment for bookings, consultations and one-off services at the point of sale.

  • Agencies

    Collect client payments without asking them to change how they pay.

  • Marketplaces

    Offer UPI to the buyers on your platform alongside your existing methods.

  • International businesses

    Reach customers who pay with UPI while your business stays where it is.

  • Growing merchants

    Start with one registration and add UPI to the checkout you already run.

For developers

Payments your developers can actually work with.

UPI acceptance sits inside the checkout you already have. Your integration details are issued during onboarding, so your team works against real credentials for your account rather than a generic sandbox.

  • Fits the checkout you already run

    UPI is added as a payment option in your existing flow. You keep your own storefront, cart and order system.

  • Built to connect a real API later

    This site ships with a clean server-endpoint architecture so a published API can be wired in without rebuilding the front end.

  • No credentials in the browser

    Secrets stay in server-side environment variables. Nothing sensitive is embedded in client-side code.

Illustrative API example

POST /payments {  "amount": 1000,  "currency": "INR",  "method": "upi",  "reference": "order_10482",  "return_url": "https://yourstore.com/checkout/complete"}
These snippets show the shape of an integration. They are not a published API specification, the endpoints are not live, and the identifiers are made up. The real integration details for your account are issued by UPI Banking during onboarding.

Start accepting UPI payments.

Register as an international merchant and add UPI to the checkout you already run.

Get StartedTalk to us

$100 one-time registration. Most merchants pay no transaction fees. Where a fee does apply, it depends on the merchant arrangement.