What is UPI and UPI API?

UPI is an acronym for Unified Payments Interface, which is a real-time inter-bank electronic fund transfer system developed by the National Payments Corporation of India (NPCI). It allows users to send and receive money using a virtual payment address (VPA) that is linked to their bank account, without the need to share their account details or IFSC code. UPI also supports various payment modes, such as QR code, mobile number, Aadhaar number, etc.


UPI API is an application programming interface that enables merchants, fintech companies, and other third-party applications to integrate UPI services in their products. UPI API allows them to initiate and accept UPI payments, check the status of transactions, verify VPAs, and perform other operations related to UPI.

Business Use Cases of UPI

  • Payments

    Accept payments for goods, services, subscriptions, donations, etc.

  • Fund Transfers

    Facilitate instant money transfers between individuals and businesses.

  • Disbursements

    Pay salaries, commissions, refunds, and other payouts directly to bank accounts.

  • Split Payments

    Divide bills and expenses among friends, family, or colleagues.

  • Collection Management

    Collect dues and invoices instantly and efficiently.

Business Benefits of Integrating UPI

  • Increased Sales

    Offer a convenient and popular payment option to your customers.

  • Improved User Experience

    Streamline the payment process and enhance user satisfaction.

  • Reduced Transaction Costs

    Eliminate the need for traditional payment methods, which come with higher fees.

  • Faster Transactions

    Instantaneous settlements ensure quicker access to funds.

  • Enhanced Security

    Bank-grade security and multi-factor authentication ensure secure transactions.

  • Reach a Wider Audience

    Cater to the large and growing population of UPI users in India.

How WebeTechies UPI API Helps You

  • Easy Integration

    Our user-friendly API simplifies integrating UPI functionality into your existing platform.

  • Scalable and Secure

    Our robust infrastructure ensures seamless and secure transactions, even during peak hours.

  • Comprehensive Documentation

    Extensive documentation and tutorials guide you through every step of the integration process.

  • Dedicated Support

    Our experienced team provides technical assistance and troubleshooting whenever needed.

Get Started with WebETechies UPI API:

Whether you’re looking to build a custom payment solution or integrate UPI into your existing platform, WebETechies has the perfect solution for you.

By leveraging WebETechies’ UPI API, you can unlock the potential of this revolutionary payment system and empower your business with seamless, secure, and convenient payment solutions.


Beware of fraudulent SMS & calls about KYC suspension or expiration, account block and fake rewards  will never ask you to download any app to complete your KYC .

Majority of UPI payments get successful instantly and money is added to the receiver’s bank account at the moment itself. However, in rare circumstances which are beyond our control, like not receiving a success message from NPCI or receiver bank within a stipulated time, transactions go into pending state.

The issue will be resolved within 3 business days (usually within hours) from the date of payment initiation. The money will be transferred to your bank account during this period. Please check your bank statement to verify the same.

If you suspect fraud or want to issue instructions to stop payment, or want to report any fraudulent transactions in your account, we suggest the following:

  1. Please get in touch with your respective bank for immediate support and guidance. Banks have 24 x 7 support and you will be able to report a fraudulent transaction even during non-working hours.  
  2. We suggest you reach out to the cyber crime police department in your local jurisdiction.
  3. Please use this form to report it to us. Your request will be evaluated against our policies and we will review and take action as appropriate.

Please note that a UPI PIN is required to be entered on the App to send money and not to receive money. Fraudsters may initiate a request making you believe that you will receive money by entering your PIN. Please be careful and ignore/reject such requests. 

At Pay, we consider it our highest responsibility to safeguard your hard-earned money and protect you from payment frauds.

We use the best of  Artificial Intelligence and fraud prevention technology to identify suspicious transactions in real-time. We also actively work with the rest of the industry to build technologies that keep you safe.

However, sometimes scammers can ask you to take some deliberate actions that may lead you to lose money to them. That is why it is important for you to know about the dos and don’t if you happen to be in such a situation.