UPI Payments

Process UPI (Unified Payments Interface) payments through the Host-to-Host API for instant, real-time transactions in the Indian market with 24/7 availability.

Overview

UPI payment processing provides:

Instant Transfers: Real-time payment processing
24/7 Availability: Round-the-clock payment processing
Mobile Optimized: Designed for mobile-first experience
UPI ID Validation: Automatic UPI ID format validation
Low Fees: Cost-effective payment processing
Bank Integration: Direct integration with Indian banks

Required Parameters

UPI-Specific Fields

Parameter	Description	Required	Example
`upiId`	UPI identifier	YES	”user@paytm”
`name`	Customer full name	YES	”Rajesh Kumar”

Customer Information

Parameter	Description	Required	Example
`email`	Customer email address	YES	”rajesh@example.com”
`phoneNumber`	Customer phone number	YES	”+919876543210”
`address`	Customer address	YES	”123 MG Road”
`city`	Customer city	YES	”Mumbai”
`state`	State or province	YES	”Maharashtra”
`postalCode`	PIN code	YES	”400001”
`country`	Country code (IN for India)	YES	”IN”

Transaction Details

Parameter	Description	Required	Example
`amount`	Payment amount	YES	1500.00
`unit`	Currency code (INR)	YES	”INR”
`originDomain`	Merchant domain	YES	”shop.example.com”
`referenceId`	Merchant reference	NO	”UPI-12345”

Complete Request Example

{
  "name": "Rajesh Kumar",
  "upiId": "rajesh@paytm",
  "email": "rajesh@example.com",
  "phoneNumber": "+919876543210",
  "address": "123 MG Road",
  "city": "Mumbai",
  "state": "Maharashtra",
  "postalCode": "400001",
  "country": "IN",
  "amount": 1500.00,
  "unit": "INR",
  "originDomain": "shop.example.com",
  "referenceId": "UPI-12345",
  "notifyUrl": "https://api.example.com/webhook",
  "successUrl": "https://shop.example.com/success",
  "failureUrl": "https://shop.example.com/failure",
  "browserInfo": {
    "browserAcceptHeader": "application/json, text/plain, */*",
    "browserColorDepth": "24",
    "browserIP": "103.21.58.66",
    "browserJavaEnabled": false,
    "browserJavascriptEnabled": true,
    "browserLanguage": "en-IN",
    "browserScreenHeight": "1080",
    "browserScreenWidth": "1920",
    "browserTZ": "330",
    "browserUserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36"
  }
}

Implementation Example

JavaScript/Node.js

async function processUPIPayment(paymentData) {
  const apiEndpoint = process.env.YONOBI_H2H_ENDPOINT;
  const apiKey = process.env.YONOBI_API_KEY;
  
  try {
    const response = await fetch(apiEndpoint, {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'X-API-Key': apiKey
      },
      body: JSON.stringify({
        // UPI specific
        name: paymentData.customerName,
        upiId: paymentData.upiId,
        
        // Customer info
        email: paymentData.customerEmail,
        phoneNumber: paymentData.customerPhone,
        address: paymentData.customerAddress.street,
        city: paymentData.customerAddress.city,
        state: paymentData.customerAddress.state,
        postalCode: paymentData.customerAddress.postalCode,
        country: paymentData.customerAddress.country,
        
        // Transaction
        amount: paymentData.amount,
        unit: paymentData.currency,
        originDomain: paymentData.merchantDomain,
        referenceId: paymentData.orderId,
        
        // URLs
        notifyUrl: paymentData.webhookUrl,
        successUrl: paymentData.successUrl,
        failureUrl: paymentData.failureUrl,
        
        // Browser info for enhanced security
        browserInfo: paymentData.browserInfo
      })
    });
    
    const result = await response.json();
    
    if (response.ok) {
      return {
        success: true,
        paymentRequestId: result.paymentRequestId,
        redirectUrl: result.redirectUrl,
        status: result.status
      };
    } else {
      return {
        success: false,
        error: result.error,
        message: result.message
      };
    }
  } catch (error) {
    return {
      success: false,
      error: 'NETWORK_ERROR',
      message: error.message
    };
  }
}

Python

import requests
import json
import os

def process_upi_payment(payment_data):
    api_endpoint = os.getenv('YONOBI_H2H_ENDPOINT')
    api_key = os.getenv('YONOBI_API_KEY')
    
    headers = {
        'Content-Type': 'application/json',
        'X-API-Key': api_key
    }
    
    request_data = {
        # UPI specific
        'name': payment_data['customer_name'],
        'upiId': payment_data['upi_id'],
        
        # Customer info
        'email': payment_data['customer_email'],
        'phoneNumber': payment_data['customer_phone'],
        'address': payment_data['customer_address']['street'],
        'city': payment_data['customer_address']['city'],
        'state': payment_data['customer_address']['state'],
        'postalCode': payment_data['customer_address']['postal_code'],
        'country': payment_data['customer_address']['country'],
        
        # Transaction
        'amount': payment_data['amount'],
        'unit': payment_data['currency'],
        'originDomain': payment_data['merchant_domain'],
        'referenceId': payment_data['order_id'],
        
        # URLs
        'notifyUrl': payment_data['webhook_url'],
        'successUrl': payment_data['success_url'],
        'failureUrl': payment_data['failure_url'],
        
        # Browser info
        'browserInfo': payment_data['browser_info']
    }
    
    try:
        response = requests.post(api_endpoint, headers=headers, json=request_data)
        result = response.json()
        
        if response.status_code == 200:
            return {
                'success': True,
                'payment_request_id': result['paymentRequestId'],
                'redirect_url': result.get('redirectUrl'),
                'status': result['status']
            }
        else:
            return {
                'success': False,
                'error': result.get('error', 'UNKNOWN_ERROR'),
                'message': result.get('message', 'UPI payment processing failed')
            }
    except requests.RequestException as e:
        return {
            'success': False,
            'error': 'NETWORK_ERROR',
            'message': str(e)
        }

UPI ID Validation

Valid UPI ID Formats

Format: username@bankcode
Examples:
- user@paytm
- 9876543210@ybl
- john.doe@oksbi
- mobile@paytm

UPI ID Validation Function

function validateUPIId(upiId) {
  // UPI ID format: username@bankcode
  const upiRegex = /^[a-zA-Z0-9.\-_]{2,256}@[a-zA-Z][a-zA-Z0-9.\-_]{2,64}$/;
  
  if (!upiRegex.test(upiId)) {
    return {
      valid: false,
      error: 'Invalid UPI ID format'
    };
  }
  
  const [username, bankCode] = upiId.split('@');
  
  // Check username length
  if (username.length < 2 || username.length > 256) {
    return {
      valid: false,
      error: 'Username must be between 2-256 characters'
    };
  }
  
  // Check bank code
  if (bankCode.length < 3 || bankCode.length > 64) {
    return {
      valid: false,
      error: 'Bank code must be between 3-64 characters'
    };
  }
  
  return {
    valid: true,
    username: username,
    bankCode: bankCode
  };
}

Payment Flow

1. UPI Payment Initiation

// Validate UPI ID first
const upiValidation = validateUPIId(paymentData.upiId);
if (!upiValidation.valid) {
  throw new Error(upiValidation.error);
}

// Process UPI payment
const paymentResult = await processUPIPayment({
  customerName: 'Rajesh Kumar',
  upiId: 'rajesh@paytm',
  customerEmail: 'rajesh@example.com',
  customerPhone: '+919876543210',
  customerAddress: {
    street: '123 MG Road',
    city: 'Mumbai',
    state: 'Maharashtra',
    postalCode: '400001',
    country: 'IN'
  },
  amount: 1500.00,
  currency: 'INR',
  merchantDomain: 'shop.example.com',
  orderId: 'UPI-12345',
  webhookUrl: 'https://api.example.com/webhook',
  successUrl: 'https://shop.example.com/success',
  failureUrl: 'https://shop.example.com/failure',
  browserInfo: collectBrowserInfo()
});

2. Handle UPI Response

if (paymentResult.success) {
  if (paymentResult.redirectUrl) {
    // Redirect to UPI app or payment page
    window.location.href = paymentResult.redirectUrl;
  } else {
    // Payment initiated successfully
    showPaymentPending(paymentResult.paymentRequestId);
  }
} else {
  // Handle UPI payment error
  displayUPIError(paymentResult.message);
}

Popular UPI Providers

Major UPI Apps

Provider	Bank Code	Example UPI ID
Paytm	`@paytm`	`user@paytm`
Google Pay	`@okaxis`, `@okhdfcbank`	`user@okaxis`
PhonePe	`@ybl`, `@ibl`	`user@ybl`
Amazon Pay	`@apl`	`user@apl`
BHIM	`@upi`	`user@upi`

Bank UPI Handles

Bank	UPI Handle	Example
SBI	`@sbi`	`user@sbi`
HDFC	`@hdfcbank`	`user@hdfcbank`
ICICI	`@icici`	`user@icici`
Axis Bank	`@axisbank`	`user@axisbank`
Kotak	`@kotak`	`user@kotak`

Error Handling

Common UPI Error Codes

INVALID_UPI_ID: UPI ID format is invalid
UPI_ID_NOT_FOUND: UPI ID does not exist
INSUFFICIENT_FUNDS: Insufficient balance in UPI account
UPI_DECLINED: Transaction declined by UPI provider
UPI_TIMEOUT: UPI transaction timeout
DAILY_LIMIT_EXCEEDED: Daily transaction limit exceeded

Error Response Example

{
  "success": false,
  "error": "UPI_DECLINED",
  "message": "Transaction declined by UPI provider",
  "code": "U001",
  "details": {
    "declineReason": "Invalid UPI PIN",
    "upiResponse": "U30"
  }
}

Transaction Limits

UPI Transaction Limits

Per Transaction: ₹1,00,000 (1 Lakh INR)
Daily Limit: ₹1,00,000 (1 Lakh INR)
Monthly Limit: ₹20,00,000 (20 Lakh INR)
Minimum Amount: ₹1 (1 INR)

Limits may vary by bank and UPI provider. Always check with the specific provider for current limits.

Security Features

UPI Security

Two-Factor Authentication: UPI PIN + device authentication
Encrypted Communication: End-to-end encryption
Device Binding: UPI apps are bound to specific devices
Transaction Limits: Built-in transaction limits for security

Implementation Security

// Secure UPI payment processing
function secureUPIPayment(paymentData) {
  // Validate UPI ID format
  if (!validateUPIId(paymentData.upiId).valid) {
    throw new Error('Invalid UPI ID');
  }
  
  // Sanitize input data
  const sanitizedData = {
    ...paymentData,
    upiId: paymentData.upiId.toLowerCase().trim(),
    amount: parseFloat(paymentData.amount).toFixed(2)
  };
  
  // Check amount limits
  if (sanitizedData.amount > 100000) {
    throw new Error('Amount exceeds UPI transaction limit');
  }
  
  return processUPIPayment(sanitizedData);
}

Testing

Test UPI IDs

For testing purposes, use these test UPI IDs:

Success: success@paytm
Failure: failure@paytm
Timeout: timeout@paytm
Insufficient Funds: insufficient@paytm

Test Scenarios

// Test successful UPI payment
const testPayment = {
  customerName: 'Test User',
  upiId: 'success@paytm',
  customerEmail: 'test@example.com',
  customerPhone: '+919876543210',
  amount: 100.00,
  currency: 'INR'
};

Best Practices

Implementation

UPI ID Validation: Always validate UPI ID format
Amount Validation: Check transaction limits
Mobile Optimization: Optimize for mobile devices
Real-time Status: Provide real-time payment status

User Experience

UPI App Integration: Deep link to UPI apps when possible
QR Code Option: Provide QR code for easy scanning
Clear Instructions: Provide clear payment instructions
Status Updates: Keep users informed of payment progress

Compliance

RBI Guidelines: Follow Reserve Bank of India guidelines
Data Protection: Protect customer financial data
Transaction Records: Maintain proper transaction records
Audit Trail: Keep audit trail of all UPI transactions

Next Steps

Google Pay Integration

Learn about Google Pay payment integration

Payment Status

Track UPI payment status

Webhooks

Handle UPI payment notifications

Token

Home

Merchant API

Customer

Open Banking API

H2H

​UPI Payments

​Overview

​Required Parameters

​UPI-Specific Fields

​Customer Information

​Transaction Details

​Complete Request Example

​Implementation Example

​JavaScript/Node.js

​Python

​UPI ID Validation

​Valid UPI ID Formats

​UPI ID Validation Function

​Payment Flow

​1. UPI Payment Initiation

​2. Handle UPI Response

​Popular UPI Providers

​Major UPI Apps

​Bank UPI Handles

​Error Handling

​Common UPI Error Codes

​Error Response Example

​Transaction Limits

​UPI Transaction Limits

​Security Features

​UPI Security

​Implementation Security

​Testing

​Test UPI IDs

​Test Scenarios

​Best Practices

​Implementation

​User Experience

​Compliance

​Next Steps

Google Pay Integration

Payment Status

Webhooks

UPI Payments

Overview

Required Parameters

UPI-Specific Fields

Customer Information

Transaction Details

Complete Request Example

Implementation Example

JavaScript/Node.js

Python

UPI ID Validation

Valid UPI ID Formats

UPI ID Validation Function

Payment Flow

1. UPI Payment Initiation

2. Handle UPI Response

Popular UPI Providers

Major UPI Apps

Bank UPI Handles

Error Handling

Common UPI Error Codes

Error Response Example

Transaction Limits

UPI Transaction Limits

Security Features

UPI Security

Implementation Security

Testing

Test UPI IDs

Test Scenarios

Best Practices

Implementation

User Experience

Compliance

Next Steps