Step 01
Initiate Collection Request
The retailer presents a QR code or enters customer UPI details on the authorized ZuperMoney platform.
UPI Collection Service
UPI Collection
Seamless digital payment acceptance for retail businesses.
ZuperMoney UPI Collection enables eligible retailers and businesses to accept instant, contact-free payments via QR codes and UPI applications, simplifying daily financial transactions.
Overview
What is UPI Collection?
UPI Collection is a digital payment acceptance service that allows merchants and retailers to receive funds directly from customers using Unified Payments Interface (UPI) applications via QR codes, VPAs (Virtual Payment Addresses), or payment links. It eliminates the need for physical cash handling by providing an instant, secure, and interoperable channel for daily commercial collections. With ZuperMoney, retailers can integrate UPI payment acceptance into their shop operations as part of their comprehensive digital service portfolio.
Customers can make payments through authorized ZuperMoney UPI Collection channels, subject to applicable bank and network rules.
Who can use this?
- Retailers
- Distributors
- Master Distributors
- White Label / Technology Partners
Process
How UPI Collection Works
Step 02
Customer Scans or Approves
The customer scans the QR code or receives a payment request on their preferred UPI application.
Step 03
Authentication by Customer
The customer completes the transaction by entering their secret UPI PIN in their payment app.
Step 04
Transaction Processing
The request is processed through the applicable banking and UPI network infrastructure.
Step 05
Transaction Confirmation
Both the retailer and customer receive real-time confirmation for the successfully processed payment.
Capabilities
UPI Collection Services Available
Static & Dynamic QR Codes
Display static QR codes for standard retail collections or generate dynamic amount-specific QR codes for precise billing.
VPA & Collect Requests
Accept payments by initiating collect requests to customer Virtual Payment Addresses across supported UPI applications.
Instant Payment Confirmation
Receive real-time transaction notifications and status updates for successfully completed payments.
Multi-App Interoperability
Allow customers to pay seamlessly using any authorized UPI-enabled mobile application.
Benefits
Why Offer UPI Collection Through ZuperMoney?
Expand payment acceptance capabilities with instant, cashless digital transaction options.
Reduce cash handling effort and operational risks at retail touchpoints.
Improve customer checkout speed with interoperable QR and UPI collection methods.
Track and manage all digital collections efficiently through one centralized platform.
Requirements
What Documents Are Required?
Depending on the onboarding category, applicants may be required to provide:
- PAN Card
- Aadhaar Card
- Bank account details
- Mobile number
- Address proof
- Business/shop details
- Photograph
- Additional documents required during verification
Exact requirements may vary according to the applicant type and applicable KYC requirements.
Security & Trust
Security & Compliance
UPI Collection transactions involve sensitive financial and customer information. Transactions are processed through applicable authorized banking/payment infrastructure and are subject to applicable KYC, security, regulatory, and service-provider requirements.
Retailers must follow ZuperMoney's operational and compliance guidelines while providing UPI Collection services.
Audience
Who Can Use ZuperMoney UPI Collection?
Retailers
Authorized retailers can accept instant digital payments from walk-in customers using UPI QR codes and payment requests.
Distributors
Distributors can onboard and manage a network of retailers providing UPI collection facilities within their operational area.
Master Distributors
Master Distributors can expand service reach by managing multiple distributor and retailer networks.
White Label / Technology Partners
Eligible partners can integrate UPI collection features into their own platforms, subject to applicable API and compliance requirements.
Common questions
Frequently Asked Questions
Start Offering UPI Collection Services
Build your digital financial services business with ZuperMoney.