UPI Intent for Adyen Integration v2.0
Learn how to use UPI Intent with Adyen Integration v2.0 to create mandates and process one-time and recurring UPI payments in INR on mobile devices.
Overview
Zuora supports UPI Intent as a payment method for the Adyen payment gateway integration. UPI Intent provides a streamlined mobile payment experience for customers in India. Instead of manually entering a Virtual Payment Address (VPA), customers are redirected directly to their preferred UPI app, such as Google Pay, PhonePe, Paytm, or BHIM, to authorize the payment.
UPI Intent complements the existing UPI Collect and UPI QR Code flows available on the Adyen gateway and is optimized for mobile device users.
Note that
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The supported UPI apps are Google Pay, PhonePe, Paytm, and BHIM. Other UPI apps are not supported for the Intent flow.
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UPI Intent payment methods can only be created through Payment Pages 2.0.
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Non-referenced refunds are not supported, and refunds must reference the original payment transaction. Payment cancellation (void) is not supported.
How UPI Intent works
When a customer initiates a UPI payment on a mobile device through Payment Pages 2.0, the merchant renders the appropriate UPI Intent payment method. The customer selects their preferred UPI app, and Zuora sends the mandate enrollment request to Adyen with the selected app. UPI Intent is supported only for mobile browser flows. Native apps are not supported.
Adyen returns a redirect URL that opens the customer's UPI app directly on their device. The customer reviews and approves the payment or mandate in the UPI app. Zuora then polls for the payment status and completes the transaction after confirmation.
For recurring payments, Zuora uses the stored UPI mandate to collect payments automatically. A pre-debit notification is sent to the customer before each recurring charge, as required by UPI regulations.
UPI Intent compared with UPI Collect and UPI QR Code
| Aspect | UPI Collect | UPI Intent | UPI QR Code |
|---|---|---|---|
| Customer input | Enters VPA manually | Selects UPI app (no VPA required) | Scans QR code (no input required) |
| Best for | Desktop and mobile | Mobile devices | Desktop devices |
| How it works | Zuora sends a collect request to the customer's VPA | Customer is redirected to their UPI app | QR code is displayed and scanned using a UPI app |
| Supported UPI apps | Any UPI app linked to the VPA | Google Pay, PhonePe, Paytm, BHIM | Any UPI-enabled app |
Supported operations
| Operation | Supported | Description |
|---|---|---|
| Payment method creation (mandate enrollment) | Yes | Creates a UPI mandate through the customer's UPI app |
| One-time payment | Yes | Processes a single payment by redirecting to the UPI app |
| Recurring payment (mandate-based) | Yes | Processes merchant-initiated payments using the stored mandate |
| Pre-debit notification | Yes | Sends advance notification before recurring charges |
| Referenced refund | Yes | Refunds a previously completed payment |
| Real-time reconciliation | Yes | Provides automatic status updates through Adyen webhook notifications |
Pre-debit notifications
For recurring UPI payments, Zuora sends pre-debit notifications to the customer through Adyen before each charge. The notification informs the customer of the upcoming payment amount and invoice due date. You can configure the number of days in advance that pre-debit notifications are sent. Navigate to Payments > Settings > Payment Rules to configure the timing for UPI Intent on Adyen. The pre-debit notification must be sent at least 24 hours before the invoice due date. to configure the timing for UPI Intent on Adyen. The invoice due date for pre-debit notifications must be at least 24 hours in the future.