UPI payments in India

You can use India's Unified Payments Interface (UPI) to make payments via mobile apps using QR codes or UPI IDs without entering card details.

Currency: INR and USD
Minimum payment amount: 1 INR

Mandatory parameters

Note that some parameters below are extra to those required for a standard payment. Please do not forget to get all the required sender data on your own.

Name	Type	Description
`payment_details`	object	Payment data
`type`	string	Always: `bank_account`
`bank_account`	object	Payer's account description
`system_type`	string	Always: `upi`
`upi`	object	Always: `{}`
`participant_details`	object	Participant details
`sender`	object	Sender details
`full_name`	string	Sender's full name (3–50 characters)
`email`	string	Sender's email address (up to 64 characters before @, the total length must not exceed 100 characters)
`document`	string	Document (up to 30 characters)
`msisdn`	string	Phone number (up to 15 characters, without `+` )
`state`	string	Sender's state (up to 10 characters)
`city`	string	Sender's city (3–50 characters)
`street`	string	Sender's street (4–100 characters)
`building`	string	Building number
`amount_details`	object	Payment amount details
`amount`	int	Payment amount in minor currency units. To pay 100 INR, write 10000
`currency`	string	ISO 4217 currency code. Case insensitive. Options: `inr`, `usd`
`payment_options`	object	Payment options
`return_url`	string	URL to redirect the payer back to after the payment
`metadata`	object	Additional information
`key`	string	Metadata
`customer`	object	User details
`reference`	string	Payer's identifier in your system

Making a one-time payment

Create a session using the session/create method.

Alternatively, you can use the session/init/payment method. In this case, specify all the payment parameters right away and skip the next step.

Send a session/start/payment request. Specify the following parameters:

bank_account in payment_details.type and upi in payment_details.bank_account.system_type
the payer's full_name, email, document and address details in participant_details.sender
the URL to redirect the payer back to after the payment in payment_options.return_url

To make later recurring payments, send "recurrent": true in the payment_options object.

Request example

curl -X POST \
  https://demo.smart-glocal.com/api/v1/session/start/payment \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "session_id": "ps_3230",
    "payment_details": {
      "type": "bank_account",
      "bank_account": {
        "system_type": "upi",
        "upi": {}
      }
    },
    "participant_details": {
      "sender": {
        "full_name": "Ram Devi",
        "email": "ramdevi@example.com",
        "document": "HSECT4378A",
        "msisdn": "8826320796",
        "state": "Goa",
        "city": "Panaji",
        "street": "Maddo Vaddo",
        "building": "1207"
      }
    },
    "amount_details": {
      "amount": 10000,
      "currency": "inr"
    },
    "payment_options": {
      "return_url": "https://website.com",
      "recurrent": true
    },
    "metadata": {
      "key": "value"
    },
    "customer": {
      "reference": "qwiqwi"
    }
}'

Response example

{
  "status": "ok",
  "session": {
    "id": "ps_3230",
    "status": "in_progress",
    "created_at": "2025-12-04T07:48:28.275964Z",
    "updated_at": "2025-12-04T07:48:28.296138Z",
    "acquiring_payments": [{
      "id": "pm_566184419",
      "status": "in_progress",
      "created_at": "2025-12-04T07:48:28.296138Z",
      "customer": {
        "reference": "qwiqwi"
      },
      "payment_details": {
        "type": "bank_account",
        "bank_account": {
          "system_type": "upi",
          "upi": {}
        }
      },
      "amount_details": {
        "amount": 10000,
        "currency": "inr"
      },
      "participant_details": {
        "sender": {
          "full_name": "Ram Devi",
          "email": "ramdevi@example.com",
          "document": "HSECT4378A",
          "msisdn": "8826320796",
          "state": "Goa",
          "city": "Panaji",
          "street": "Maddo Vaddo",
          "building": "1207"
        }
      },
      "payment_options": {
        "return_url": "https://website.com",
        "recurrent": true
      }
    }]
  }
}

Wait for a ready_to_confirm webhook. When you receive it, it means that Smart Glocal is ready to make the payment and is waiting for your confirmation.

Webhook example

curl -X POST \
  https://partner.com \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "type": "ready_to_confirm",
    "session": {
      "id": "ps_3230",
      "status": "in_progress",
      "created_at": "2025-12-04T07:48:28.275964Z",
      "updated_at": "2025-12-04T07:48:28.310412Z",
      "next_action": "confirm",
      "acquiring_payments": [{
        "id": "pm_566184419",
        "status": "pending",
        "created_at": "2025-12-04T07:48:28.296138Z",
        "customer": {
          "reference": "qwiqwi"
        },
        "payment_details": {
          "type": "bank_account",
          "bank_account": {
            "system_type": "upi",
            "upi": {}
          }
        },
        "amount_details": {
          "amount": 10000,
          "currency": "inr"
        },
        "participant_details": {
          "sender": {
            "full_name": "Ram Devi",
            "email": "ramdevi@example.com",
            "document": "HSECT4378A",
            "msisdn": "8826320796",
            "state": "Goa",
            "city": "Panaji",
            "street": "Maddo Vaddo",
            "building": "1207"
          }
        },
        "payment_options": {
          "return_url": "https://website.com",
          "recurrent": true
        }
      }]
    }
  }'

Send a session/confirm request to confirm the operation or a session/cancel request to cancel it.

Request example

curl -X POST \
  https://demo.smart-glocal.com/api/v1/session/confirm \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "session_id":"ps_3230"
  }'

Wait for an action_required webhook. The customer_interaction.redirect.url parameter contains a link to the local payment method page.

Webhook example

curl -X POST \
  https://partner.com \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "type": "action_required",
    "session": {
      "id": "ps_3230",
      "status": "in_progress",
      "created_at": "2025-12-04T07:48:28.275964Z",
      "updated_at": "2025-12-04T07:48:29.104377Z",
      "acquiring_payments": [{
        "id": "pm_566184419",
        "status": "pending",
        "created_at": "2025-12-04T07:48:28.296138Z",
        "customer": {
          "reference": "qwiqwi"
        },
        "payment_details": {
          "type": "bank_account",
          "bank_account": {
            "system_type": "upi",
            "upi": {}
          }
        },
        "amount_details": {
          "amount": 10000,
          "currency": "inr"
        },
        "participant_details": {
          "sender": {
            "full_name": "Ram Devi",
            "email": "ramdevi@example.com",
            "document": "HSECT4378A",
            "msisdn": "8826320796",
            "state": "Goa",
            "city": "Panaji",
            "street": "Maddo Vaddo",
            "building": "1207"
          }
        },
        "payment_options": {
          "return_url": "https://website.com",
          "recurrent": true
        },
        "customer_interaction": {
          "type": "redirect",
          "redirect": {
            "url": "https://payment-system.com/pay?id=566184419",
            "base_url": "https://payment-system.com/pay",
            "method": "GET",
            "qs": {
              "id": "566184419"
            }
          }
        }
      }],
      "actions": {
        "confirm": "2025-12-04T07:48:28.327146Z"
      }
    }
  }'

After the action_required webhook is received, the user will be redirected to the bank's/payment system's app to confirm the payment. Below is an example of the app interface.

success

After the user makes the payment, you will receive a payment_finished webhook containing the payment result from Smart Glocal. The succeeded status indicates a successful payment.

Webhook example

curl -X POST \
  https://partner.com \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "type": "payment_finished",
    "session": {
      "id": "ps_3230",
      "status": "accepted",
      "created_at": "2025-12-04T07:48:28.275964Z",
      "updated_at": "2025-12-04T07:49:43.022068Z",
      "acquiring_payments": [{
        "id": "pm_566184419",
        "status": "succeeded",
        "created_at": "2025-12-04T07:48:28.296138Z",
        "finished_at": "2025-12-04T07:49:43.002789Z",
        "customer": {
          "reference": "qwiqwi"
        },
        "payment_details": {
          "type": "bank_account",
          "bank_account": {
            "system_type": "upi",
            "upi": {}
          }
        },
        "amount_details": {
          "amount": 10000,
          "currency": "inr"
        },
        "participant_details": {
          "sender": {
            "full_name": "Ram Devi",
            "email": "ramdevi@example.com",
            "document": "HSECT4378A",
            "msisdn": "8826320796",
            "state": "Goa",
            "city": "Panaji",
            "street": "Maddo Vaddo",
            "building": "1207"
          }
        },
        "payment_options": {
          "return_url": "https://website.com",
          "recurrent": true
        },
        "recurrent": {
          "token": "6a6a29c4193a8e1049231e1497a3c5f180e120b20db81b39f53ec478029b53cf",
          "created_at": "2025-12-04T07:49:43.002789Z",
          "finished_at": "2035-12-04T07:49:43.002789Z",
          "is_active": true,
          "type": "recurrent_token"
        }
      }],
      "actions": {
        "confirm": "2025-12-04T07:48:28.327146Z"
      }
    }
  }'

Making a recurring MIT payment

Once you made a one-time payment with "recurrent": true and received a recurring token in the recurrent object, you can make recurring payments.

To make a recurring payment, complete the steps above, but send the received token in the session/start/payment request instead of UPI details.

Request example

curl -X POST \
  https://demo.smart-glocal.com/api/v1/session/start/payment \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "session_id":"ps_3230",
    "payment_details": {
      "type": "recurrent",
      "recurrent": {
        "token": "6a6a29c4193a8e1049231e1497a3c5f180e120b20db81b39f53ec478029b53cf"
      }
    },
    "amount_details": {
      "amount": 10000,
      "currency": "inr"
    },
    "customer": {
      "reference": "qwiqwi"
    }
  }'

Mandatory parameters​

Making a one-time payment​

Making a recurring MIT payment​

Mandatory parameters

Making a one-time payment

Making a recurring MIT payment