Real-Time UPI Collection API

Accept UPI payments instantly with Dynamic QR codes, Intent UPI, Virtual Payment Addresses (VPA), and automated real-time webhook callbacks.

Get API Keys API Reference

< 800ms

QR Generation Speed

99.95%

Success Rate

T+0

Real-Time Settlement

24x7

Webhook Callbacks

Flexible Collection Modes

Three Ways to Collect via UPI

Choose the ideal payment flow for your website, mobile app, or retail counter.

1. Dynamic QR Code

Generate a unique, single-use QR code for each order with pre-embedded transaction amount and order ID. Prevents overpayment or underpayment errors completely.

Ideal for Web Checkout & POS Counters

2. Intent UPI (Mobile App)

Directly trigger installed UPI apps (Google Pay, PhonePe, Paytm, CRED) on the customer's phone with zero manual VPA typing. Boosts checkout conversions by up to 30%.

Ideal for Android & iOS Mobile Apps

3. Virtual VPA Handle

Assign dedicated Virtual Payment Addresses (e.g. customer123@finsova) to users or dealers for recurring B2B collections with automated ledger reconciliation.

Ideal for B2B Collections & Invoices

High Conversion Payment Flow

Enterprise UPI Payment Infrastructure

Plug-and-play UPI collection APIs designed for 99.99% operational uptime and sub-second response times.

Dynamic QR Code Generation

Generate instant single-use QR codes with embedded amount and unique order IDs for sub-second checkout experiences.

Intent UPI & Deep-Linking

Seamlessly launch GPay, PhonePe, Paytm, and CRED directly on mobile devices for 30% higher payment success rates.

Automated Webhook Callbacks

Receive instant payment status notifications on your server with bank-grade HMAC-SHA256 signature verification.

Auto-Reconciliation Engine

Automatically match incoming UPI payments with customer ledger accounts without manual reconciliation checking.

Instant T+0 Wallet Settlements

Collected UPI funds are immediately credited to your wallet balance or routed to registered merchant bank accounts.

Staging Sandbox & Postman SDK

Full-featured developer sandbox environment to test success, pending, and failure callback flows before going live.

100% UPI App Compatibility

Accept Payments From All Major UPI Apps

Compatible with 300+ NPCI-approved UPI applications across India.

Google Pay (GPay)

PhonePe

Paytm

CRED Pay

BHIM NPCI

Amazon Pay

WhatsApp Pay

UPI Collection FAQ

Frequently Asked Questions

Got questions about UPI integration, settlement cycles, and webhook security?

What is the settlement timeline for UPI Collections?

Finsova provides instant T+0 real-time settlements directly into your merchant wallet or connected corporate bank account. Collected funds are accessible 24x7x365 including bank holidays.

How are webhook notifications secured against spoofing?

Every webhook payload includes a `X-Finsova-Signature` header computed using HMAC-SHA256 with your secret API key. Your server can verify this signature to guarantee authenticity before processing payment credits.

What is the maximum limit per transaction on UPI Collection?

Standard UPI transactions allow up to ₹1,00,000 per transaction. For specific categories like Capital Markets, Insurance, and Education, NPCI guidelines permit limits up to ₹5,00,000 per transaction.

Is there a test staging environment / sandbox for developers?

Yes! We provide full sandbox API credentials, test VPA handles, and simulated payment callback webhooks to test success, pending, and failure transaction flows before deploying to production.