> ## Documentation Index
> Fetch the complete documentation index at: https://docs.kelviq.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Accept UPI and UPI AutoPay payments

> Take one-time UPI payments and UPI AutoPay subscriptions from customers in India, with no UPI setup of your own

UPI is the most used way to pay online in India. Your customer scans a QR code with any UPI app, such as Google Pay, PhonePe, Paytm or their bank's app, and approves the payment there.

You don't sign up with a UPI provider or a bank. Kelviq is the merchant of record, so UPI shows up at checkout for the right customers and the money reaches you in your normal [payout](/payouts/overview.md).

## Who sees UPI at checkout

UPI appears when both of these are true:

| Condition | Why |
| - | - |
| The customer is in India | UPI is an Indian payment network. |
| The checkout is priced in INR | UPI only works in rupees. |

To get there, add a localized INR price to your plan with [Price localization](/product-catalog/location-based-pricing.md). Customers in India then see the INR price, and UPI next to cards and wallets.

## One-time payments

The customer picks UPI at checkout, scans the QR code with their UPI app and approves the payment.

* A single payment can be from ₹1 up to ₹1,00,000.
* QR codes expire after 5 minutes.
* Checkout supports UPI by QR code only. Customers can't enter a UPI ID.

## Subscriptions with UPI AutoPay

For a subscription, the customer approves a UPI AutoPay mandate in their UPI app at checkout. Kelviq then charges each renewal automatically.

| | One-time payment | UPI AutoPay renewal |
| - | - | - |
| Amount per payment | ₹1 to ₹1,00,000 | Up to ₹15,000 per charge |
| Customer action | Scan and approve each time | Approve the mandate once at checkout |
| Failed payments | Not applicable | Retried for up to 14 days, then the subscription is canceled |

UPI AutoPay depends on the customer's bank and UPI app supporting it. Failed renewals follow the same retry schedule as cards. See [failed subscription payments](/product-catalog/subscriptions.md#failed-subscription-payments).

If you [change a plan's price](/product-catalog/plans.md) and migrate existing customers, a UPI AutoPay mandate may need the customer to approve a renewal when the new amount is above the applicable regulatory threshold.

## Refunds

Refund a UPI payment from the order in [Orders](/sales/orders.md) with **Refund payment**. You can refund up to 60 days after the payment. The money takes up to 7 business days to reach the customer.

As with every refund on Kelviq, the transaction fee isn't returned and the tax part goes back to the customer.

To find UPI payments, search for `upi` in [Transactions](/payouts/transactions.md).

## UPI questions

> **Do I need to sign up with a UPI provider?**
>
> No. Kelviq is the merchant of record and collects UPI payments for you. You only need an INR price on your plan.

> **Can customers pay with a UPI ID instead of a QR code?**
>
> Not at the moment. Kelviq checkout supports UPI by QR code.

> **Is there a limit on UPI AutoPay renewals?**
>
> Yes. Each UPI AutoPay renewal can be up to ₹15,000. One-time UPI payments can be up to ₹1,00,000.

> **[Next: set local prices](/product-catalog/location-based-pricing.md)**
>
> Add an INR price so customers in India see UPI at checkout.


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