Instant bank-to-bank transfers in India

You can use India'a Unified Payments Interface (UPI) to make instant bank-to-bank transfers via mobile apps using QR codes or UPI IDs without entering card details.

Currency: INR and USD
Minimum payment amount: 1 INR

To make a payment, complete the standard steps.

Mandatory parameters

Note that some parameters below are extra to those required for a standard payout. 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	Recipient's account description
`system_type1	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)
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	Payout amount in decimal format. To send 100 USD, write 10000
currency	string	ISO 4217 currency code. Case insensitive. Options: inr, usd
metadata	object	Additional information
key	string	Metadata
customer	object	User details
reference	string	Sender reference identifier

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",
        "state": "Goa",
        "city": "Goa",
        "street": "Maddo Vaddo",
        "building": "1207"
      }
    },
    "amount_details": {
      "amount": 10000,
      "currency": "INR"
    },
    "metadata": {
      "key": "value"
    },
    "customer": {
      "reference": "qwiqwi"
    }
}'

Response example

curl -X POST \
  https://partner.com \
  -H 'content-type: application/json' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "status": "ok",
    "session": {
      "id": "ps_3230",
      "status": "in_progress",
      "created_at": "2026-01-11T02:03:00.000000Z",
      "updated_at": "2026-01-11T02:03:00.000000Z",
      "acquiring_payments": [{
        "id": "pm_203",
        "status": "in_progress",
        "created_at": "2026-01-11T02:03:00.000000Z",
        "customer": {
          "reference": "qwiqwi"
        },
        "amount_details": {
          "amount": 10000,
          "currency": "inr"
        },  
        "participant_details": {
          "sender": {
            "full_name": "Ram Devi",
            "email": "ramdevi@example.com",
            "document": "HSECT4378A",
            "state": "Goa",
            "city": "Goa",
            "street": "Maddo Vaddo",
            "building": "1207"
          }
        },
        "payment_options": {
          "return_url": "website.com"
        }
      }]
    }
  }'

Screen examples

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.