What Are the Different Types of Integrations for UPI Payment Gateways

Integration of UPI Payment Gateway is a must for all the businesses around. If you haven’t implemented this in your business yet, and enroll yourself as a client with them. They will first make you understand about Payment Gateway Integration Options and then as per your choice you can go ahead with their services. 

What is UPI Payment Gateway?

• A technology that combines various financial services, efficient fund routing, and merchant payments in just one app of mobile device. 
• Any bank that partners can use the Unified Payments Interface (UPI). 
• It also supports "Peer-to-Peer" inquiries, which can be planned and paid for according to convenience and need.

Different  Types of Integration for UPI Payment Gateways

There are a variety of UPI Payment Gateways available in the market for a variety of businesses. They are described below with best examples: 

Webflow UPI Integration

Platforms: Web, Mobile web, Android, iOS

It is the most preferred UPI integration mode at present. 

Let’s take an example of a customer of LetsPe having UPI Webflow integration. 

• The customer chooses things and enters information such as delivery instructions, shipping address, etc.
• Chooses UPI as the payment method, enters his mobile app's UPI ID (also known as a VPA, or virtual payment address), confirms it, and then submits it.

User Checks his cell phone and perform a two-way authentication that entails:

• Launching the UPI app (in this case, the BHIM app), either by entering the app passcode or a thumbprint.
• Inputting the UPI PIN to confirm the transfer. (When you link a bank account with your UPI mobile app, you create or configure a UPI-PIN, which is a 4-6 digit secret number.)

The transaction will be recorded as legitimate only when the customer authenticates the payment.

Payment Process:

After entering his VPA (or UPI ID), the consumer must first open his UPI mobile app, do two-factor authentication on his phone, and then return to the website.

Suitability:

Any company willing to lead customers to a third-party website (UPI app providers like Google Pay or PhonePe) in order to offer UPI as a payment option. It is a UPI integration option that is reasonably priced.

Do you desire to enable UPI Payments?

Accept UPI payments using Debit Card, Credit Card, UPI, Net Banking, Amazon Pay, Paytm, PhonePay, GPay, and almost all methods by integrating the LetsPe Payment Gateway with minimum TDR of 2% +GST.

Google Pay Integration with UPI

Platforms: Web, mobile web, Android, and iOS (Google Pay must be installed on the payer's phone)

• The payer inputs his phone number rather than his UPI ID in this transaction, which is identical to the UPI web-flow.
• Because the payer/customer does not need to remember the UPI ID/VPA, UPI Google Pay integration offers a highly convenient checkout process. LetsPe offers  GooglePay connection with UPI.

Instead of using UPI VPA or UPI ID, the consumer inputs a mobile number, performs 2-factor authentication (as previously described), and completes the transaction.

Suitability:

Any small to medium-sized business that wants to offer UPI as a means of payment. When you notice that Google Pay is the most popular UPI payment method among clients, you should employ this option.

Integration of Intent Flow UPI

Platform: Android

Payment Process:

The user doesn't need to enter his UPI VPA or phone number because they are immediately filled in with the other payment information, such as the amount to be paid, as soon as he selects the UPI payment app.

Suitability:

• As it automatically opens a preferred UPI mobile app during payment, UPI Intent flow provides a smooth checkout experience. 
• When your consumers directly place an order on an Android app, it is great. 

Flow Integration for UPI SDK

Platforms: Android, iOS

• Without the customer opening a separate app, the merchant can accept the payment using the UPI SDK. 
• Only mobile devices (Android and iPhone) can use this type of connection, which is offered by banks including RBL, ICICI, Yes Bank, and Axis Bank.
• To do this, you must ask the bank for permission to use the NPCI UPI Android SDK directly.

Payment Process:

• In this scenario, the bank will establish a VPA, and you can then receive payments from clients on the same virtual private network using your mobile app. 
• Once you have access to the UPI SDK, you must integrate it into your website or mobile application in order to support UPI transactions. 
• In this case, there is no need for a separate UPI app like BHIM, Google Pay, etc. Utilizing UPI SDK integration, the conversion rate rises as there is no redirection to any outside application.

Read in Detail - Integrating UPI Payment Gateway: A Step-by-Step Guide

Suitability:

This kind of integration is typically chosen by large companies with a high volume of daily inward activities on their mobile app.

Conclusion

LetsPe is one of the leading Payment Gateways at present in the market. You can visit LetsPe official website today and take their services. If you are not yet sure about this, visit on this link, contact them and get more information regarding payment gateways and their integration, that too, for no cost.