How to accept UPI payments online with OurPay

Start with the order, not just the QR

A customer sends you a message: “Paid.” You have a screenshot, a name that may not match the order and several incoming transfers for the same amount. The money might be there, but you still have to work out which sale it belongs to.

Accepting UPI online involves two jobs. The customer needs a clear way to pay, and your business needs a reliable way to connect the receipt to the purchase. OurPay puts the product, price and checkout around that payment so the reference has somewhere to go.

OurPay’s domestic flow uses your bank-issued UPI ID. The customer pays your receiving account directly. You verify the actual bank receipt in Finance → Collections, and OurPay completes the order. This guide covers that direct collection flow.

Give the customer an INR price

Create a product that describes what the customer will receive. A workshop should say when it happens and what is included. A fixed-scope service should make the deliverable clear. A digital product should explain how access is provided after a confirmed purchase.

Add an INR price for domestic checkout. A dollar price does not become a rupee price just because the buyer is in India. Choose the amount you intend to charge and review any discount before sharing the checkout.

For example, a business selling a ₹1,500 consultation should give the customer a checkout for that consultation at ₹1,500. The product name and order record then explain the transfer when you review it later. This is an illustration, not a fee or price set by OurPay.

Add the account that will receive the money

Configure your receiving details for domestic payments. Use the bank-issued UPI ID for the account that should receive the sale. If you also offer bank transfer, add the corresponding bank details and check them carefully before publishing.

Checkout can show a UPI QR and a payment-app link. The QR is useful when the customer has another screen available; the app link gives a customer on a phone a way to continue into a compatible UPI app. The customer completes the payment in that app.

Choose who in your business can check the receiving account. A colleague who can see an order but cannot inspect the bank receipt should not have to guess whether a transfer arrived. Decide that responsibility before the first live collection.

Share a Checkout Link

Open Checkout Links in your dashboard and choose New Link. Select the product, review the settings and save the link. You can put it behind a button on your website or share it in a message after agreeing the purchase with the customer.

Always share the saved Checkout Link. Opening that link creates a temporary Checkout Session for that visit. Copying the session URL from your browser can leave the next customer with an expired checkout instead of the reusable link you intended to send.

Open the saved link yourself before publishing it. Check the product, INR amount, receiving details and instructions on a phone as well as a larger screen. If you offer several products on one link, confirm that each choice has the price you expect.

Confirm the receipt before completing the sale

After paying, the customer submits the payment reference. That reference identifies a transfer to investigate. It is not, by itself, proof that the money reached your account. A screenshot or a customer saying the app showed success is not a substitute for the receiving bank’s record.

Open Finance → Collections and review the pending collection. Match the receiving account, reference, currency and full amount to the bank receipt. If any of those details do not match, resolve the difference before confirming the collection.

Once the receipt is confirmed, OurPay completes the order and connects the payment to the customer, invoice and configured product benefits. An authenticated bank connection can confirm receipts when it is configured. Do not plan on automatic confirmation for a setup that relies on manual review.

1. 01Find the pending collection for the customer’s checkout.
2. 02Check the actual receipt in the receiving bank account.
3. 03Match the reference, INR amount and receiving account.
4. 04Confirm the collection only when the full receipt is verified.

Handle the awkward cases while they are small

If the customer submits a reference that you cannot find, leave the collection pending and ask them to check the payment details. Avoid asking for a second payment until the first attempt has been investigated. A delay and a failure are different situations.

If the amount is short, do not confirm a full-price order as though it were paid in full. If two customers pay the same amount, match the reference and account as well as the amount. OurPay prevents the same receipt from funding another order for that receiving account, but your review still needs to identify the right sale.

For a refund request, keep the original order and transfer evidence together. Follow the refund process available for that method and record what actually happened. Direct bank receipts should not be described to customers as though they were refundable through every international provider tool.

Keep domestic receipts separate from Seller Payable

A direct UPI collection reaches your account. It does not create a second pot of money waiting for OurPay to pay out. Finance keeps INR collections separate from the Seller Payable records used for provider-collected payments.

This distinction matters when you compare your orders with your bank statement. A confirmed domestic order should have a matching receipt in the account you configured. An international order may instead have a provider capture and a payable that still needs settlement.

You can offer more than one payment route without treating every route as the same financial event. Start with a clear collection process, share a reliable link and use the order as the place your team returns to when a customer asks about a payment.

Does this also set up UPI subscriptions?

No. A customer making a one-time UPI transfer has authorised that transfer. It does not give your business permission to charge the account every month. OurPay’s recurring plans require a compatible saved payment method and the appropriate customer approval.

If recurring UPI mandates are a requirement, evaluate that specific capability before choosing your payment setup. For one-time domestic purchases, the direct collection flow gives you a practical starting point: an INR product, a Checkout Link, a bank receipt and a confirmed order.