UPI Collection API for Fintechs & B2B Platforms

Enable fast, secure, and low-cost UPI payments using RK Fintech’s UPI Collection API. Generate payment requests using Request‑to‑Pay, Dynamic QR, Static QR, or UPI Intent and receive real‑time payment confirmations.

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What is UPI Collection API?

A UPI Collection API allows your platform to generate payment requests for users through:

UPI Collection Request (Request‑to‑Pay)
Dynamic QR Code
Static QR Code
UPI Intent

Users authorize the payment in their preferred UPI app, enabling fast, low‑cost, and smooth transactions.

Common Uses:

Bill payments
Subscription collections
Wallet top‑ups
Loan repayments
E‑commerce checkouts
Agent‑led service payments
Merchant collections

Key Features of RK Fintech’s UPI Collection API

UPI Collection Request (Request‑to‑Pay)

Generate UPI payment requests directly to a user’s VPA (UPI ID) with instant confirmation.

Dynamic QR API

Create single‑use QR codes for fixed amounts, ideal for POS, kiosks, delivery, and agent payments.

Static QR API

Generate permanent QR codes allowing users to scan and pay any amount.

UPI Intent Flow

Trigger the UPI app directly from your mobile app to reduce drop‑offs and increase success rates.

Real‑Time Webhooks & Status Updates

Success
Pending
Failed
Expired

Refund API (If Supported)

Supports full or partial refunds depending on banking partner capabilities.

Why Choose RK Fintech as Your UPI API Provider?

High success rates with optimized routing
Instant settlements based on bank partner policies
RESTful JSON APIs for easy integration
Compatible with all major UPI apps
Scalable for high‑volume platforms
Strong API security: IP whitelisting, token auth, encryption
NPCI‑aligned UPI infrastructure

RK Fintech provides API infrastructure while your platform controls UI and workflows.

How the UPI Collection API Integration Works

1. Request API Credentials

Access sandbox and documentation

2. Integrate Endpoints

Collections, QR, status & webhooks

3. Test Flows

Validate callbacks & reconciliation

4. Go Live

Start receiving UPI payments

Technical Specifications

API Type	RESTful JSON
Supported Methods	Collection Request, Dynamic QR, Static QR, Intent
Webhooks	Yes
Refund Support	Depends on banking partner
Authentication	Token‑based + IP Whitelisting
Compatibility	All UPI apps
Compliance	NPCI UPI Guidelines
Platforms	Web, Android, iOS

Frequently Asked Questions (FAQs)

What is a UPI Collection API?

A UPI Collection API enables platforms to request payments using UPI Collect (R2P), QR codes, or intent-based payment flows.

Does the API support Dynamic and Static QR codes?

Yes. Dynamic QR is used for single-use transactions, while Static QR is ideal for permanent merchant or location-based payments.

What UPI apps are supported?

All major UPI apps including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, CRED, and other UPI-enabled apps.

What is UPI Intent?

UPI Intent is a deep-link mechanism that opens the user’s UPI app directly for payment authorization, improving conversion rates and reducing drop-offs.

How do I receive payment status?

Payment updates are sent via real-time webhooks indicating success, failure, pending, or expired transactions.

Is the UPI Collection API secure?

Yes. It uses encrypted payloads, token-based authentication, IP whitelisting, and secure request signing for maximum safety.

Who can integrate RK Fintech’s UPI API?

Fintech platforms, SaaS products, billing providers, e-commerce platforms, and any business requiring instant UPI collections.

Can this API be combined with other RK Fintech APIs?

Yes. It is commonly integrated with AEPS API, Micro ATM API, Payout API, and BBPS API to build a complete fintech ecosystem.