Cashfree Payments is an RBI-authorised UPI Payment Gateway that enables businesses to collect payments from any UPI app — including PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, and WhatsApp. It supports four checkout flows, deep integration with 8+ banks, and processes approximately 12,000 transactions per second with industry-leading UPI success rates.
Collect UPI payments easily from your customers. Accept payments from any UPI app. Choose from a range of UPI integration options for the desired payment flow and achieve the highest UPI success rates.
Create Account · Contact Sales
Supported UPI Apps: PhonePe · Google Pay · Paytm · BHIM · Amazon Pay · WhatsApp · TATA NEU · And more
UPI Switch by Cashfree Payments gives merchants direct access to the latest NPCI features, reducing payment failures by 20% and latency by 30%, while processing approximately 12,000 transactions per second.
Cashfree UPI Payment Gateway supports four checkout flows, giving merchants the flexibility to match any customer journey — from mobile app to WhatsApp to QR-based payments.
Simplify UPI payments for your customer by automatically opening UPI apps installed on the customer's mobile for faster checkout. Create Account
Generate a QR code on your website checkout page and let customers scan and pay using any UPI app. Create Account
Generate a UPI link and share with customers over WhatsApp — get paid instantly. Create Account
Send a payment collect request to the customer's phone number or UPI ID and accept payments via UPI. Create Account
"As a service that prioritises convenience, our association with Cashfree Payments enables a seamless UPI payment experience for our customers."
Amritansu Nanda, Chief Marketing Officer, Zepto
"We saw that the UPI success percentages with other payment aggregators were a little low. With Cashfree's Payment Gateway, we experienced a tremendous increase in our success rates in UPI. This has helped us increase our customer conversion ratio."
Parasar Sarma, Vice President of Growth, Wakefit
Manage offline payment collection easily by generating a QR code from your desktop or softPOS app. Generate one or multiple Static QR codes to accept payment of any amount. Learn more
Automate recurring payment collection with one-time UPI mandate authorisation and grow your subscription business. The standard UPI AutoPay limit is ₹15,000 per transaction; an enhanced limit of up to ₹1,00,000 is available for select NPCI-approved merchant categories including insurance premiums and credit card bills. Learn more
Hold customer payments via one-time mandate pre-authorisation from any UPI app. Without manual intervention, auto-debit from your customer's account on the authorised date.
1.95% MDR per transaction for UPI and other domestic payment modes.
No setup fees, maintenance fees, or hidden charges — you pay only for actual transactions. Enterprise merchants can contact Cashfree sales for custom pricing.
View detailed mode-wise pricing →
If you are already using Cashfree Payment Gateway, no additional activation is required to start accepting UPI payments. UPI is built in.
Cashfree's UPI Payment Gateway has deep integration with 8+ banks and uses real-time dynamic routing between multiple banks to maximise success rates on every transaction. If a transaction fails on one bank's rails, it is automatically re-routed — with no manual intervention required.
Money is settled as per mutually agreed settlement terms. The default settlement cycle is T+2 days (T = day of transaction). Instant Settlements are available for businesses that need faster access to collections — funds are accessible within 15 minutes of payment capture, including on bank holidays.
Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters, and other factors.
UPI (Unified Payments Interface) A real-time, secure payment system developed by the National Payments Corporation of India (NPCI). It enables immediate money transfers via mobile device, 24×7, 365 days a year.
UPI ID A unique identifier linked to a UPI-enabled bank account. Provides a Virtual Payment Address (VPA) used to send or receive money without sharing bank account details.
UPI PIN A unique 4 or 6 digit PIN that the user sets to authenticate every payment made via UPI apps.
A UPI payment gateway is a service that enables businesses to collect payments through the Unified Payments Interface (UPI) infrastructure. It connects a customer's bank account to a merchant's bank account, enabling instant, real-time transfers via any UPI-enabled app — without requiring card details or net banking credentials. Cashfree Payments is an RBI-authorised UPI Payment Gateway, PCI DSS and ISO 27001 certified, serving 6,00,000+ businesses in India.
A UPI transaction goes through five stages:
UPI transaction limits vary by transaction type and merchant category, as set by NPCI:
Individual banks may apply their own per-transaction or daily caps within these NPCI limits. Read more about UPI transaction limits →
You don't need to integrate with individual UPI apps separately. Integrating Cashfree's UPI Payment Gateway gives your customers access to all major UPI apps in one place — including PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, and more. If you're already using Cashfree Payment Gateway, no additional activation is needed. Watch the step-wise integration guide →
The default settlement cycle is T+2 days (where T is the day of transaction). Instant Settlements are available for businesses that need faster access — funds can be accessed within 15 minutes of payment capture, including on bank holidays.
Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, and risk parameters.
Cashfree's UPI Payment Gateway is compatible with all UPI PSPs (Payment Service Providers) — including PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, WhatsApp, TATA NEU, and all other apps listed at npci.org.in.
Cashfree supports both Static and Dynamic QR codes:
Cashfree's UPI Payment Gateway has deep integration with 8+ banks and uses real-time dynamic routing between multiple banks. If a transaction fails on one bank's rails, it is automatically re-routed to maximise the chance of success — without any manual intervention. This approach, combined with UPI Switch, reduces payment failures by 20% and latency by 30%.
No. If you are already using Cashfree Payment Gateway, UPI is enabled by default — no additional activation or integration is needed. Contact Sales to get started →
Yes. UPI transactions have multiple security layers established by NPCI:
Users should never share their UPI PIN with anyone, keep their UPI apps updated, and only transact with trusted parties.
Cashfree UPI Payment Gateway supports 4 checkout flows:
UPI AutoPay allows businesses to automate recurring payment collection by setting up a one-time mandate with the customer's consent. Once authorised, payments are auto-debited on the scheduled date without any manual intervention. The standard limit is ₹15,000 per transaction, with higher limits available for select NPCI-approved categories. It is ideal for subscription businesses, EMIs, insurance, and other recurring billing use cases. Learn more about UPI AutoPay →
Cashfree differentiates through UPI Switch — its direct NPCI integration that reduces payment failures by 20% and latency by 30%, processing ~12,000 transactions per second. Deep integration with 8+ banks enables real-time dynamic routing, maximising success rates automatically. Businesses like Wakefit have reported a significant increase in UPI success rates after switching to Cashfree. It is RBI-authorised, PCI DSS certified, and requires no separate integration if you are already on Cashfree Payment Gateway.
Create Account · Contact Sales
Cashfree Payments enables 1 Million+ growing businesses in India and globally to collect payments, manage international payments, and more. Backed by SBI, Y Combinator, Krafton, and Apis Partners. Incubated by PayPal.
Certifications: PCI DSS · ISO 9001 · ISO 27001
RBI Authorised Payment Aggregator License — Certificate of Authorisation No. 266/2025 RBI Authorised Prepaid Payment Instrument (PPI) Provider — Certificate of Authorisation No. 209/2024
Terms · PPI Terms · Privacy · Grievance Policy
© 2026 Cashfree Payments India Private Limited
*Terms & Conditions Apply