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Available in🇮🇳 India
UPI checkout is a smooth payment experience for users as compared to other payment modes, thus provides higher transaction success rates for your business. Razorpay supports multiple third-party apps and has direct integration with Google Pay. Check the UPI payment flow and the various UPI integrations available with Razorpay.
UPI Collect Flow DeprecatedAccording to NPCI guidelines, the UPI Collect flow is being deprecated effective 28 February 2026. Customers can no longer make payments or register UPI mandates by manually entering VPA/UPI id/mobile numbers.Exemptions: UPI Collect will continue to be supported for:
  • MCC 6012 & 6211 (IPO and secondary market transactions).
  • iOS mobile app and mobile web transactions.
  • UPI Mandates (execute/modify/revoke operations only)
  • eRupi vouchers.
  • PACB businesses (cross-border/international payments).
Action Required:
  • If you are a new Razorpay user, use UPI Intent.
  • If you are an existing Razorpay user not covered by exemptions, you must migrate to UPI Intent or UPI QR code to continue accepting UPI payments. For detailed migration steps, refer to the migration documentation.

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Special Onboarding Requirements for SEBI-Registered Intermediaries (MCC 6211)

If your business is classified under Merchant Category Code 6211 (Securities Brokers/Dealers) and is a SEBI-registered intermediary (including Stockbrokers, Mutual Funds, PMS providers and so on), you must adhere to a special regulatory mandate for UPI collection, effective October 1, 2025. UPI Identifier Requirements
  • Businesses must use a standardised UPI identifier as mandated by SEBI for all registered intermediaries.
  • The identifier must incorporate the @validbankpsp handle. For example, @validhdfc or @validicici.
  • This specific @validbankpsp handle can only be allocated by a Self-Certified Syndicate Bank (SCSB).
  • The allocation by the SCSB must follow a prescribed validation process.
  1. AU Small Finance Bank
  2. Axis Bank
  3. Bandhan Bank
  4. Bank of Baroda
  5. Bank of India
  6. Bank of Maharashtra
  7. Canara Bank
  8. Central Bank of India
  9. Citibank N.A
  10. City Union Bank
  11. DBS Bank India Limited
  12. DCB Bank
  13. Deustche Bank
  14. Dhanlaxmi Bank Limited
  15. Equitas Small Finance Bank
  16. GP Parsik Sahakari Bank Limited
  17. HDFC Bank Limited
  18. HSBC Bank
  19. ICICI Bank
  20. IDBI Bank Limited
  21. IDFC FIRST Bank
  22. Indian Bank
  23. Indian Overseas Bank
  24. IndusInd Bank
  25. Jana Small Finance Bank Limited
  26. Janata Sahakari Bank Limited
  27. Karnataka Bank Limited
  28. Karur Vysya Bank Limited
  29. Kotak Mahindra Bank
  30. Nutan Nagarik Sahakari Bank Limited
  31. Punjab & Sind Bank
  32. Punjab National Bank
  33. Rajkot Nagarik Sahakari Bank Limited
  34. RBL BANK
  35. Saraswat Co-operative Bank Limited
  36. South Indian Bank
  37. Standard Chartered Bank
  38. State Bank of India
  39. SVC Co-operative Bank Limited
  40. Tamilnad Mercantile Bank
  41. The Ahmedabad Mercantile Co-operative Bank Limited
  42. The Catholic Syrian Bank Limited
  43. The Federal Bank Limited
  44. The Jammu & Kashmir Bank Ltd
  45. The Kalupur Commercial Co-operative Bank Limited
  46. The Mehsana Urban Co-operative Bank Limited
  47. The Surat People’s Co-op Bank Limited
  48. TJSB Sahakari Bank Limited
  49. UCO Bank
  50. Union Bank of India
  51. Utkarsh Small Finance Bank Limited
  52. Yes Bank

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Get Standardised UPI Address

Follow the steps to successfully create your new UPI id.
The standard Razorpay terminal request is not supported. All @valid UPI IDs must be requested and approved through the SEBI Intermediary Portal (SI Portal).
  1. Log in to the SEBI Intermediary Portal using your credentials.
  2. From the dropdown menu, navigate to: Entity Category → @valid UPI ID Request → UPI Request Portal.
  3. Click Request New UPI IDs or View All Requests.
  4. Click Add new UPI ID.
Please determine your settlement model and bank account as a next step, before you continue to fill the form.
Your VPA creation and required bank accounts depend on how the funds are settled. You must create separate VPAs for One-Time and Autopay transactions, using RZP1 and RZP2 respectively.
Funds settle directly into your entity’s bank account.Requirement: You must use your own bank account that resides within the chosen PSP Bank. If you choose @validhdfc, you must use an HDFC Bank account. If you do not have an account, you must open one.VPA Format Examples:
  • One-Time: mfhouse.rzp1.mf@validhdfc
  • Autopay: mfhouse.rzp2.mf@validhdfc
Funds settle into the bank account of a Clearing Corporation (ICCL / NCL).Requirement: You must use the specific Bank Account Number and IFSC provided by Razorpay that corresponds to the respective Clearing Corporation (ICCL or NCL) and PSP Bank (ICICI/Axis/HDFC).VPA Format Examples:
  • MF Broker (ICCL): mfbroker.icclrzp1.brk@validhdfc
  • Bond Broker (NCL): bondsbroker.nsecbricsrzp1.brk@validhdfc
  1. Under Entity Information, enter the following details:
    • Entity Name
    • Registration Number
    • PAN
    • Category Code
  2. Under Legal Account Holder Name, enter the following details:
    • Legal Account Holder Name
    • Legal Account Holder PAN
    • Set up different legal account holder based on your model:
If the funds are intended to settle directly into your own SEBI-registered entity’s bank account (applicable for most Brokers, AMCs and PMS providers):
  1. Set Different Legal Account Holder? to No. The system will automatically use your Entity’s Name as the Legal Account Holder.
  2. Proceed to enter your entity’s bank account details (which must be with the chosen PSP Bank).
If the funds are intended to settle into the bank account of a Clearing Corporation (applicable for intermediaries facilitating transactions settled via an exchange, such as Broking for Mutual Funds or Bonds):
  1. Set Different Legal Account Holder? to Yes.
  2. Select Clearing Corporation, under Legal Account Holder Role*.
  3. Select NSE Clearing Limited or Indian Clearing Corporation Limited (as applicable), under Legal Account Holder Name*.
  1. To use a registered Trade Name, set Use Trade Name as Username: to Yes and provide the Trademark Registration Number. The default username is based on your Legal Entity Name.
  2. Under the UPI Handle Request section, fill up the below Beneficiary Information:
    • Account Number
    • IFSC Code
    • Select the “I confirm that Account Number: 123456789101112 and IFSC: BANK123456 belongs to Gaurav (PAN: ABCD123456)” checkbox.
Handy TipsThis account must correspond to the chosen PSP Bank (Model I) or the respective Clearing Corporation (Model II).
  1. Enter a Username. The system auto-generates a unique UPI Username based on your entity information. If the default name is not descriptive enough, click Generate Longer to add more words from your Entity Name. Click Reset to revert to the original system-generated name.
  2. Add an Optional Parameter. Click Enable to add this field. This parameter is mandatory to ensure the VPA can be successfully mapped to your Razorpay account. The primary purpose of this identifier is to allow you to create multiple unique VPAs using the same base username and PSP handle.
    • First VPA Request: Use RZP1
    • Second VPA Request: Use RZP2
    • Subsequent VPAs: Use sequential identifiers as needed (for example, RZP3, RZP4 and so on).
Each UPI id you request must have a unique optional parameter for sequencing.Example VPA Structure: [yourname].rzp1.[suffix]@valid[bank]
  1. The Payment Service Provider (PSP) section determines which bank’s @valid handle will be used in your UPI id (for example, @validhdfc).
    • The system automatically selects the bank that holds the Beneficiary Bank Account you provided (based on the IFSC). The dropdown will then only display the corresponding @valid handles from that bank.
    • To use a PSP different from your bank account’s bank, set Do you wish to use beneficiary’s bank as PSP? option to No.
    • Then, select the desired Bank Name from the new options and choose the suitable @valid UPI Handle.
Handy TipsIf your preferred PSP is not listed, you must check with your bank as this indicates a configuration issue or restriction.
  1. Click Add Record. A record of your UPI handle request will be created.
  2. To submit your UPI handle request, go to View All Requests → click Submit UPI Handle Request.
Once submitted, the request goes to the selected Self-Certified Syndicate Bank (PSP) for due diligence and document verification before approving the UPI id on the SI Portal.
After the bank confirms the UPI id allocation, you must share the final, approved VPA details with the Razorpay support team to link it to your Payment Gateway MIDs.
  1. Share the approved VPA(s), corresponding Bank Account, IFSC, Account Holder Name and the Razorpay Merchant IDs (MIDs) that need to be mapped.
  2. Submit bank-specific documents (as part of the bank’s due diligence):
  1. Wait for Review: Our Operations Team will manually review your request, validate your SEBI registration and coordinate with the necessary banking partners for handle allocation.
This manual process typically takes 5 to 7 business days to complete.

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UPI Payment Flow

Given below is the payment flow for UPI: Payment Flow for UPI

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Collect Flow

The Collect Flow works like this:
  1. Customers enter their VPAs or mobile number linked to their UPI in the Checkout.
  2. Open the respective UPI apps and complete the payment after 2-factor authentication (UPI PIN and MPIN are entered) on their mobile devices.
  3. Customers are redirected to your website or app after successful payment. Watch the video to see how UPI collect flow works.
Pay via UPI mobile number The customers must accept the request they receive on their UPI app to make the payment successfully.

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Intent flow

After customers select the UPI payment app on the Checkout, the app is launched automatically on their mobile devices. Customers need not enter VPA or phone number as these details are prefilled and submitted along with the other payment details. UPI Checkout with Intent Flow

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In-App Flow

Turbo UPI by Razorpay is an in-app process that enables businesses to accept UPI payments from customers within their mobile applications. Customers no longer need to switch to third-party UPI apps to complete payments in this flow. This helps increase payment success rates and improves customer experience. Know more about Turbo UPI. Given below is a sample UI representation: Turbo UPI Workflow Flow

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Omnichannel

This is an intent flow wherein customers enter their mobile numbers instead of VPAs in the UPI app. The payments are completed after 2-factor authentication (UPIN and MPIN are entered).

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Google Pay SDK

This is an intent flow wherein the customer can complete the payment within your app itself without being redirected to the UPI app on the mobile device. This is particularly useful when you want the customer to experience a seamless payment experience while safeguarding your brand identity.
Third Party ValidationIf your business model requires the customers to make transactions only from the bank account that was submitted to your business at the time of registration then know more about Third-Party Validation. Check the list of banks that support TPV.