1. Collect Flow 

This traditional UPI collection flow allows bank account holders to transact using VPAs without entering additional bank information. The standard steps followed include:

  • Select UPI as the payment option in the merchant app/website and enter a valid VPA.

  • Push notification/SMS on collect request is sent to the customer to verify with UPI PIN/MPIN. 

  • When done, a notification is sent to the app/website.

2. Intent Flow 

In intent flow, as soon as the customer selects the UPI payment app on the checkout of the website/app, the app is launched automatically on the mobile device. Your customers are also benefitted in the following ways:

  • No need to handle push or SMS notifications

  • No need to switch between applications to complete a payment (merchant, SMS, and app)

  • No need to remember their VPAs