UPI Collection API: Accept Payments Instantly via UPI for Business

What is UPI Collection API?

UPI Collection API enables businesses to programmatically accept payments from customers through Unified Payments Interface (UPI). Instead of sharing bank details or using manual payment links, your application can trigger UPI collect requests, generate QR codes, or create payment links — all through simple API calls.

With over 14 billion UPI transactions processed monthly in India, UPI collection is the fastest-growing payment method for B2B and B2C businesses. NxtBanking UPI Collection API supports all UPI payment flows with 99.99% uptime.

UPI Collection Methods

1. UPI Collect Request

Send a payment request directly to the customer VPA (UPI ID). The customer receives a notification on their UPI app and approves the payment with their PIN.

2. UPI Intent (Deep Link)

Generate a UPI deep link that opens the customer preferred UPI app directly with pre-filled payment details. Highest conversion rate for mobile apps.

3. UPI QR Code (Static & Dynamic)

Generate Static QR codes for fixed amounts or Dynamic QR codes with unique transaction IDs for each payment. QR payments have the highest success rates.

4. Payment Links

Create shareable payment links via SMS, WhatsApp, or email. Customers click and pay through any UPI app.

Key Features

Multi-Flow Support: Collect, Intent, QR, and Payment Links — all through one API.
Auto-Reconciliation: Every payment is automatically matched to the corresponding order/invoice.
Dynamic Callbacks: Real-time webhooks for instant payment confirmation.
Split Payments: Automatically split collections between multiple parties (marketplace model).
Refund API: Process full or partial refunds back to the customer UPI ID.
Virtual UPI IDs: White-labeled UPI IDs (yourbrand@bank) for professional brand presence.

Benefits for Enterprise

Zero MDR: UPI transactions under ₹2,000 have zero merchant discount rate as per government policy.
Instant Settlement: Funds reflect in your account within seconds, not T+1.
Higher Conversion: UPI has 95%+ success rate compared to 70-80% for cards and net banking.
Pan-India Reach: 350+ million active UPI users across India.
Mobile-First: Perfect for mobile apps with UPI Intent flow.

Integration Guide

Register: Sign up on NxtBanking API Marketplace and get your API keys.
Create Collection: Call the Create Collection endpoint with amount, customer VPA (optional), and callback URL.
Present to Customer: Display the QR code, send collect request, or redirect via Intent URL.
Receive Callback: Get real-time webhook when payment is completed, with transaction ID and UPI reference.
Reconcile: Match callbacks with your orders using the unique transaction reference.

Use Cases

E-commerce Checkout: Offer UPI as a payment option with Intent and QR flows.
Subscription Billing: Recurring UPI collect requests for monthly subscriptions.
Invoice Payments: Embed UPI payment links in digital invoices.
In-Store Payments: Static or Dynamic QR at POS for retail collections.
Marketplace Collections: Collect from buyers and auto-split to sellers.

Frequently Asked Questions

What is UPI Collection API?

UPI Collection API is a programmatic interface that lets businesses accept UPI payments through collect requests, QR codes, Intent links, and payment links — all automated through API calls.

Is UPI Collection free for merchants?

UPI transactions below ₹2,000 have zero MDR. For higher amounts, a small fee applies. NxtBanking offers the most competitive rates in the industry.

How fast is UPI collection settlement?

With NxtBanking, UPI collections settle in real-time. Funds are available in your account within seconds of customer payment.

Can I use UPI Collection API for recurring payments?

Yes. UPI supports both one-time and recurring mandates (UPI AutoPay). NxtBanking API supports recurring collection setup with customer consent.

Accept UPI Payments Today →

UPI Collection API: Accept Payments Instantly via UPI for Business

What is UPI Collection API?