Accept Payments Seamlessly via UPI

Q: How do I create a UPI Intent?

Here is how Decentro’s UPI intent flow will help you launch your business vertical or new product in no time. Create UPI intent flow on your platform and provide a seamless payment experience for your customers Enable your customers to opt for their preferred UPI app Pre-populate payment details, and Complete the transaction on the go in seconds

Q: What is the issuer and acquirer in UPI?

The issuer is the entity that provides UPI credentials and services to the end user (customer) for initiating payments. Meanwhile, the acquirer is the entity that enables merchants to accept UPI payments, facilitating the processing and settlement of payments for the merchants.

Supercharge your platform by enabling payment collection through UPI. Accept payments from platforms like BHIM, PhonePe, Google Pay, etc.

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₹40,000Cr+ Processed Annually

900,000+ API Hits processed per day

15000+ Transactions processed per hour

Trusted by 2000+ Indian businesses for 10X faster fintech launches

Collect Payments in a Single Tap

Reduce
Transaction Costs

Save on transaction fees typically charged by other payment gateways.

Elevate
Customer Journey

Elevate customer experience with one-click payments.

Increase payment
Success Rates

Reduce payment failures and secure success rates of 98%.

Flexible
Settlements

Get funds settled to partner’s account instantly, without waiting T+2 days.

Lower
Operational Costs

Cut your expenditure towards heavy integrations and relationships.

Launch
In Days

Integrate our stack and go live within a matter of days as compared to legacy banking integration

UPI Payment Flows for Every Collection Journey

From instant collections to conditional, verified, and offline-first UPI journeys. Built on a single integration.

Instant Online
Collections

Accept payments via collect requests, payment links, and intent deep links that auto-launch preferred UPI apps with pre-filled details.

Offline & On-Ground Payments

Enable scan-and-pay for merchants and field teams using customised static or dynamic QR codes with real-time tracking.

Verified Payments with TPV

Accept payments only from authorised bank accounts using third-party verification for high-trust financial flows.

Conditional & Reserve Payments

Block funds using UPI Reserve and capture them only after delivery, allotment, or predefined events.

Recurring & Repeat Payments

Set up UPI Autopay mandates for EMIs, premiums, and subscriptions with approval-once debit journeys.

Multi-Account & High-Volume Collections

Route collections across multiple bank accounts with automated reconciliation and real-time updates.

Nexus Intelligence Active

Build your UPI payment flow
in record time.

Describe your use case. Nexus tells you exactly which Decentro APIs to use — and how to connect them.

Endless Possibilities

Collect Funds with Reduced Manual Efforts and Costs

Payments Made Powerful

Best in-class performance | 24x7 Support | 99.99% Uptime

Prevalent Use Cases

In-app
Payments

Get paid by users for your in-app purchases or payment in general, with instant settlements.

Scan & Pay

Let customers pay instantly via static or dynamic QR codes across your platform or offline stores

On-Ground Merchant Collections

Enable offline QR-based payments for physical locations and field teams.

Repayments

Collect recurring payments from the user’s account toward loans or other services provided by Banks/Lenders.

Insurance
Premiums

Set an autopay feature for Debiting monthly/yearly premiums for health, automobile etc., towards your services.

Capital Markets & IPO Platforms

Block and release funds using UPI Reserve with TPV-enabled payer verification.

So what's the Decentro Difference?

Other Providers

Decentro

Go-Live Speed

7-21 days of paperwork

Live in 24 hours

Security & Compliance

Basic compliance checkboxes only

RBI PA-certified | PCI DSS | Advanced fraud detection | Real accounts protected

Auto-Reconciliation

Manual matching or basic automation

Instant reconciliation | ₹2 Cr/hour processing | Zero manual work

Settlement Speed

T+1 to T+7 day delays

Same-day settlements | Predefined cycles | ₹40,000+ Cr processed annually

Collection Flows

Basic flows that frustrate customers

5 collection methods: Links, Dynamic QR, VA-based, Collect Request, Deep Links

Processing Power

Lower volumes + frequent downtimes

₹40,000+ Cr annually + 99.9% uptime + Multi-bank failover

Ready to 10X your collection efficiency?

Explore the Decentro Difference

Try Out Yourself

As simple as a gentle tap, our APIs effortlessly facilitate seamless flow with just a touch

Your Company

Amount

Create Payment Link

Enter details to proceed

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Real results, real voices

Leading companies share their Decentro journey

We’ve been using Decentro’s CKYC solution and have seen much better success rates compared to other vendors. In a space as complex as CKYC with evolving CERSAI guidelines, their speed of implementation truly stands out.

10X Faster

CKYC Integration

Case Study

Payments Made Powerful

Best in-class performance | 24x7 Support | 99.99% Uptime

Frequently Asked Questions

What is the difference between UPI Collect and UPI Intent?

This traditional UPI collection flow allows bank account holders to transact using VPAs without entering additional bank information. In intent flow, as soon as the customer selects the UPI payment app on the checkout of the website/app, the app is launched automatically on the mobile device.