How to integrate UPI (Unified Payment Interface) payments in Android Apps? [closed]

Asked 1/9, 2016 at 11:34 Answered 15/7, 2017 at 5:18

I am building an android application which I thought should have a best payment system that should free user from entering details. I have gone though UPI but no idea how to integrate this.

Spa answered 1/9, 2016 at 11:34 Comment(8)

Please share your code with us. – Fideicommissum 1/9, 2016 at 11:40

@Singh I have the concept which I read somewhere on news channel. I am asking for integration. check this "quora.com/…" – Spa 1/9, 2016 at 11:42

Right now UPI is not launched in market. So wait for android sdk. – Fideicommissum 1/9, 2016 at 11:45

@Singh : There won't be any android sdk for merchant app integration , we need to transfer payment request to banks app by deeplinking. I have added links to some documents below. In upi's website it's difficult to find these documents and they are not well documented. – Liggins 6/9, 2016 at 11:35

I m also working with to integrate the yes bank upi integration . When im calling the pay activity class , im getting error " Sorry network is not available" – Livesay 10/10, 2016 at 5:24

george its the error in yes bank sdk, so wait for update. – Fillip 18/11, 2016 at 7:4

@LuminiousAndroid, You need to cantact PSP(Banks), they will provide you sdk,right now only android sdk is availble in market. – Fillip 18/11, 2016 at 7:6

Is there any cost involved , I have heard it to make free to promote digitization – Foetid 1/2, 2017 at 12:14

To integrate UPI SDK in you android app you have to partner with a bank which is offering this service. Only UPI enabled banks are allowed to act as PSP (Payment service Provider). Some banks which are offering this service are: Yes Bank, RBL, ICICI Bank, Axis Bank.

Once you have the SDK it's pretty much Plug n Play and will hardly require a day's work. Although the bank that is offering you the SDK will review the developed app to see if it matches their security standards.

Dishman answered 7/12, 2016 at 6:23 Comment(3)

Any links about this on bank sites?? I am unable to get any details – Acuate 17/12, 2016 at 16:19

You have to find and contact/email the concerned people of the respective banks. – Dishman 18/12, 2016 at 16:43

My Company has just signed with Axis Bank for the UPI services. Soon we will receive the SDK. Will you help me out if I come across any issues with integrating it. – Charter 17/10, 2019 at 12:28

It's difficult to find well documented files about how to implement the UPI integration on UPI's website, but below I am mentioning some of the links which you can refer to. Cross refer all documents, one document alone won't help:

https://digidhan.mygov.in/pages/pdf/sbi/NPCI%20Unified%20Payment%20Interface.pdf

Liggins answered 6/9, 2016 at 11:30 Comment(2)

PhonePe, Razor Pay are a few who have integrated to UPI via a bank. – Repine 3/3, 2017 at 8:26

These links are now not active, are there any alternatives? – Elspet 30/10, 2017 at 11:4

I am assuming you aren't asking to become a PSP by yourself as that would require a lot more than just integration(you'll have to be listed under RBI to become a PSP, etc.)

But your problem can be solved by becoming a merchant which will use a PSP in the user's mobile phone. Basically, you will create a URI and will send that as an intent. The PSP apps are given the guidelines to listen to the specific URI and hence, you can invoke the desired PSP app from the list(if you have many PSP apps installed).

The URI will contain the required information. The PSP app can get the details from the URI and the user can just confirm for the payment. The response is being sent to the calling app with the transaction Id and some info. You can use that to carry on with your app's flow.

You can create the URI in the following way:

upi://pay?pa=icici/name&pn=USER_NAME&tid=422d97c1-f0fc-4bea-b24a-511ffa85e86f&am=442.87&tn=Test%transaction

and the intent can be created like:

Intent intent = new Intent();
intent.setData(Uri.parse(UPI));
Intent chooser = Intent.createChooser(intent, "Pay with...");
startActivityForResult(chooser, 1, null);

Listen to the PSP response in the onActivityResult method of your activity.

Atmo answered 4/4, 2017 at 14:35 Comment(2)

How to generate the tid if we are going to use the PSP apps for the transaction? – Vapor 25/6, 2017 at 14:37

Hi deep... But for me amount get transferred but response is showing like "Failure"... – Filthy 21/5, 2020 at 12:22

You can't integrate, unless you are bank, I am also investigating how to integrate UPI - API in app, but unfortunately as of now its restricted to developers, only bank can develop this app using NPCI lib.

Documentation :

- Common library Specifications for Unified Payment Interface

- UNIFIED PAYMENTS INTERFACE Procedural Guidelines

- UNIFIED PAYMENT INTERFACE API and Technology Specifications

Pinchhit answered 3/1, 2017 at 4:29 Comment(0)

Razorpay and few other merchants have tied up with banks and provide this service to end developers like us. You can read more about Razorpay's offering here:

https://razorpay.com/upi/

Actionable answered 3/1, 2017 at 18:30 Comment(1)

They are providing payment gateway sdk and charging 2%+ST per transaction. Not direct UPI sdk to implement. – Antiar 15/1, 2017 at 7:8

Even I was looking into this integration but for PHP, you can have a look into the below open source project written by Ragunath Jawahar for android

https://github.com/ragunathjawahar/upi-dropin

And see if it could help you out with

Flatt answered 15/7, 2017 at 5:18 Comment(1)

It's best if you could give more details on why this would help, more specifically the features involved. – Bacteriophage 15/7, 2017 at 5:37

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