UPI Collection API | Accept UPI Payments & QR Code

🔐 ZuelPay UPI APIs are NPCI certified and operate on the official UPI rails — ensuring 100% compliant, secure and regulated payment collection for your business.

✦ NPCI Certified

✦ RBI Regulated

✦ T+0 Settlement

Collection Methods

3 Ways to Collect UPI Payments

Choose the collection mode that fits your business — all powered by the same single ZuelPay API key.

📱

Dynamic QR Code

Generate a unique QR code for every transaction with a specific amount pre-filled. Customer scans with any UPI app and pays instantly. QR expires automatically after payment.

Instant Payment

🔔

UPI Collect Request

Send a payment request directly to customer's UPI VPA. They receive a push notification on their UPI app and approve with their PIN — no QR scan needed. Perfect for remote collections.

Push Notification

🔗

UPI Intent / Deeplink

Generate a UPI payment deep link for web or mobile checkout. Tapping the link opens the customer's preferred UPI app directly with amount pre-filled. Best for mobile e-commerce.

One-Tap Pay

Live Payment QR Preview

Scan to Pay ZuelPay

merchant@zuelpay · ₹1,499.00

Valid for 15 mins Instant Settlement

All UPI Apps Supported

🔵 PhonePe 🟠 Google Pay 🟣 Paytm 🔴 BHIM 🟡 Amazon Pay 🔵 Mobikwik ⚪ WhatsApp Pay 🟢 + All Banks

Why UPI Collection?

The Fastest Way to Accept Payments in India

UPI has become India's #1 payment method — processing over 15 billion transactions per month. ZuelPay's UPI Collection API lets you tap into this ecosystem with a single integration and start accepting payments in minutes.

Whether you need QR codes for your retail POS, collect requests for B2B invoices, or deep links for your mobile app checkout — our API handles all UPI collection scenarios with instant T+0 settlement directly to your bank account.

Fully white-label — deploy under your own brand with your own VPA handle. Zero MDR on UPI transactions as per NPCI guidelines.

MDR on UPI collections

T+0

Instant settlement available

99.9%

Transaction success rate

24/7

Round-the-clock collections

API Reference

Request Parameters

Parameter	Type	Status	Description
amount	number	Required	Collection amount in INR (paise)
order_id	string	Required	Your unique order / reference ID
type	string	Required	QR_CODE, COLLECT_REQUEST or INTENT_LINK
vpa	string	Required*	Customer UPI VPA (for COLLECT_REQUEST)
description	string	Optional	Payment description / narration
customer_name	string	Optional	Customer name for reference
mobile	string	Optional	Customer mobile for SMS receipt
expiry_minutes	number	Optional	QR expiry time in minutes (default: 15)
notify_url	string	Optional	Webhook URL for payment confirmation

* vpa is only required when type is set to COLLECT_REQUEST.

REST API · JSON

QR Code

Collect Request

Response

// Generate Dynamic UPI QR Code

// POST /v2/upi/collect

fetch('https://api.zuelpay.com/v2/upi/collect', {

  method: 'POST',

  headers: {

    'Authorization': 'Bearer zp_live_xxx',

    'Content-Type': 'application/json'

  },

  body: JSON.stringify({

    type: 'QR_CODE',

    amount: 149900, // ₹1,499 in paise

    order_id: 'ORD_2026_0329_001',

    description: 'Premium Plan Subscription',

    customer_name: 'Priya Sharma',

    expiry_minutes: 15,

    notify_url: 'https://yoursite.com/webhook'

  })

});

Settlement Flow

Instant T+0 Settlement

📲

Customer Scans / Receives Request

Customer scans QR, taps intent link, or receives UPI collect notification on their phone.

0 seconds

🔐

Customer Approves with UPI PIN

Customer authorises payment with their UPI PIN — secure, end-to-end encrypted via NPCI.

~5-10 seconds

⚡

NPCI Processes Transaction

NPCI rails process the UPI transaction and generate a transaction reference (UPI RRN).

~2-5 seconds

✅

Settlement to Your Account

Funds settled to your designated bank account. Webhook fires to your server with payment confirmation.

Instant (T+0)

Key Features

🔑

White-Label VPA

Create your own branded UPI VPA handle (e.g., yourbrand@zuelpay). Fully white-labelled collection experience.

📡

Real-time Webhooks

Receive instant payment confirmation to your server endpoint the moment the customer pays. No polling needed.

📊

Payment Analytics Dashboard

Full visibility into all UPI collections — transaction history, success rates, settlement reports and more.

🔁

Auto Refund Support

Initiate UPI refunds directly via API for failed or disputed transactions. Refund confirmation in real-time.

🧾

Dynamic Reconciliation

Every transaction carries your order_id for automatic reconciliation against your ERP or accounting system.

Use Cases

Who Uses UPI Collection API?

🛒

E-commerce Checkout

Generate instant UPI QR codes or intent links at checkout. Customers pay with one tap from their preferred UPI app.

🏪

Retail POS

Display dynamic QR codes on your POS screen or print static QR for walk-in customer payments at your store.

📋

Invoice Collection

Send UPI collect requests directly to client's VPA for B2B invoice payments — approved with one tap.

📱

Mobile App Payments

Deep link into any UPI app from your Android or iOS app for seamless in-app payment collection.

🎓

Fees Collection

Schools, colleges and coaching institutes can collect tuition fees via UPI QR — faster than bank transfers.

🏥

Healthcare Payments

Clinics and hospitals can generate per-patient QR codes for OPD fees, lab charges and pharmacy bills.

Related Services

Complete the Payment Ecosystem

💸

Start Collecting UPI Payments Today

White-label QR codes, collect requests and intent links — all in one API. Zero setup fee, full sandbox access.

📄 API Docs Get API Keys →

Accept UPI Payments Anywhere, Instantly