How do businesses accept UPI payments?

Through Echo Money, businesses connect to UPI via a single API. Once enabled, you can collect payments, send payouts, and reconcile transactions without integrating directly with each local bank or provider.

Which countries support UPI?

UPI is operated in India and is increasingly accepted through partner networks in other markets. Echo Money focuses on enabling businesses to accept UPI from customers paying in India.

What industries commonly use UPI?

E-commerce, marketplaces, SaaS and subscriptions, travel, gaming, and financial services all rely on UPI for fast, low-cost domestic collections in India.

Why should businesses offer UPI?

Offering UPI improves checkout conversion, increases payment acceptance, lowers processing costs, and gives customers a familiar, trusted way to pay.

Does Echo Money support refunds or recurring payments for UPI?

Yes. Echo Money supports refunds and recurring UPI payments (UPI AutoPay mandates), so you can run subscriptions and handle reversals through the same integration.

Yes. UPI transactions are authenticated by the customer's bank with two-factor security and run over regulated national payment infrastructure (NPCI), making it a highly secure way to pay.

All payment methods

Accept Payments via UPI with Echo Money

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Enable customers to pay using UPI, one of the most trusted payment methods in India.

Accept payments through a single API, settle globally, and access local payment rails without building market-specific infrastructure.

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Summary

About UPI

UPI is one of the most widely used payment methods in India, enabling consumers and businesses to send and receive payments through real-time bank transfers and account-to-account (A2A) flows. It plays an important role in the country's payment ecosystem, offering a familiar and trusted way for customers to complete transactions.

With a market share commanding 55% of all e-commerce transactions and more than 800M+ registered users, UPI is a preferred payment option for online purchases, business payments, subscriptions, marketplace transactions, and everyday commerce in India. For businesses looking to expand into India, accepting UPI can improve checkout conversion rates, increase payment acceptance, and provide a more localized payment experience. Through Echo Money, businesses can accept UPI seamlessly.

At a glance

Payment method snapshot

Payment Method: UPI

Country: 🇮🇳 India

Currency: INR

Payment Type: Bank transfer

Consumer Reach: 800M+

Settlement Speed Real-time

Refund Support Yes

Recurring Payments Supported

Chargebacks Applicable

Integration Single API

Start Accepting Payments via UPI

How it works

Start Accepting UPI in minutes.

Integrate with Echo Money. Connect to Echo Money through a single API and gain access to 150+ local payment methods including UPI, global payment rails, and stablecoin infrastructure.

Enable UPI. Activate UPI for your business and configure how you want to collect, send, or settle payments in India without managing multiple local providers.

Start Accepting and Sending Payments. Your customers can immediately begin paying through UPI via a fully white-labelled experience, while you collect funds, process payouts, and move money seamlessly.

Scale with Built-In Compliance. Echo Money handles compliance requirements, including KYC, KYB, transaction monitoring, and payment operations, helping your business expand into India without the complexity of managing local payment infrastructure.

Benefits for Businesses Accepting UPI in India

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Increase Conversion Rates with a Familiar Checkout Experience

Customers in India are more likely to complete a purchase when they see payment methods they already know and trust. By offering UPI through Echo Money, businesses can create a more localized payment experience, reduce friction during the payment journey, and improve overall conversion rates.

Improve Payment Success Rates

Many local payment methods, including UPI, are deeply integrated into the financial ecosystem of India. As a result, they can deliver higher payment acceptance rates compared to international cards that may face issuer declines, authentication issues, or cross-border restrictions.

Reach More Customers in India

Not every customer in India prefers to pay with a credit card. Depending on the market, consumers may rely on local bank transfers, digital wallets, QR payments, or domestic payment networks. By supporting UPI, businesses can access a broader customer base and provide payment options that align with local preferences and purchasing behaviour.

Reduce Cross-Border Complexity

Expanding into India often requires businesses to navigate local banking infrastructure, payment providers, and settlement processes. Echo Money simplifies this by enabling businesses to accept UPI through a single integration, removing the need to manage multiple local payment partners while still delivering a localized payment experience.

Build Trust with Local Customers

Trust plays a major role in online payments. Customers are often more comfortable completing a transaction when they recognize the payment method being offered. Because UPI is widely used in India, displaying it at checkout can help strengthen customer confidence, reduce hesitation, and create a more familiar payment experience.

Future-Proof Your Payment Strategy

Payment preferences evolve over time, but businesses that offer locally preferred payment methods are often better positioned to adapt to changing customer expectations. By supporting UPI through Echo Money, companies can build a payment stack that combines local payment acceptance, global reach, and modern settlement infrastructure.

Who uses UPI in India?

Businesses across industries use UPI to offer a more localized payment experience and improve payment performance in India.

E-commerce Platforms use UPI to increase checkout conversion rates and reduce payment friction.

Marketplaces rely on UPI to collect payments from buyers while supporting efficient seller payouts.

Gaming & Digital Businesses leverage UPI to improve payment acceptance rates and support seamless in-app purchases.

Travel, Fintech, and Global Merchants use UPI to collect local payments in India without building country-specific payment infrastructure.

SaaS Companies collecting recurring payments use UPI to reach customers in India through familiar and trusted payment methods.

Why do businesses use Echo Money for UPI?

Echo Money brings UPI and 150+ local payment methods into a single platform. With one integration, businesses can

streamline payment operations,
access faster transaction confirmation, improve settlement efficiency, and
scale across markets with built-in compliance and global settlement infrastructure.

Single Integration

Enable UPI through a single API and manage collections, payouts, and settlement alongside 150+ local payment methods.

Built-in Compliance

Accept UPI with built-in KYC, KYB, transaction monitoring, and compliance controls designed for cross-border payment operations.

Global Settlement

Collect funds through UPI and settle in local currencies, major global currencies, or stablecoins through a unified settlement infrastructure.

White-label experience

Offer UPI through a fully branded payment experience while Echo Money powers the infrastructure behind the scenes.

FAQs

UPI is a widely used payment method in India that enables consumers and businesses to move money securely through local payment infrastructure.

Start accepting UPI payments today

Connect to UPI through Echo Money and give customers a payment experience they already know and trust.

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