UPI moves money bank-to-bank instantly, free for most merchants — dominating Indian checkouts. Sellers must handle its quirks: collect-expiry windows, pending mandates and bank downtimes:
Key facts
- Collect requests expire — checkout needs retry/status paths.
- UPI Autopay handles subscriptions and EMIs.
- Settlement T+1 typical via gateways; reconciliation weekly.
- Display UPI-first on mobile checkouts.
Accept it right
Gateway wiring with mandate handling from ₹12,000 — see gateway costs.
FAQs
UPI fees?
Largely zero MDR for merchants via standard rails; verify current rules.
Failed-but-debited?
Auto-reconcile via webhooks; support script for the rest.
International UPI?
Corridors opening selectively — cards still rule cross-border.