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Beyond payments

Set up future UPI payments

Learn how to save UPI details and charge your customers later.

This guide covers how to save UPI payment details using Checkout, our fully hosted checkout page.

You need permission to save your customer’s payment method for future use. Creating an agreement (sometimes called a mandate) up front allows you to save your customer’s payment details, and potentially charge your customer when they’re not actively using your website or app. Learn more about how e-mandates work in India.

Set up Stripe
Server-side

First, you need a Stripe account. Register now.

Use our official libraries for access to the Stripe API from your application:

Command Line
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# Available as a gem
sudo gem install stripe
Gemfile
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# If you use bundler, you can add this line to your Gemfile
gem 'stripe'

Create or retrieve a Customer
Server-side

To reuse a UPI payment method for future payments, attach it to a Customer.

Create a Customer object when your customer creates an account with your business, and associate the ID of the Customer object with your own internal representation of a customer. Alternatively, you can create a new Customer before saving a payment method for future payments.

Create a new Customer or retrieve an existing Customer to associate with this payment. Include the following code on your server to create a new Customer:

Command Line
cURL
Stripe CLI
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curl https://api.stripe.com/v1/customers \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d description="Test customer"

Create a Checkout Session
Server-side

Your customer must authorize you to use UPI for future payments through Stripe Checkout. This lets you accept UPI payments. Add a checkout button to your website that calls a server-side endpoint to create a Checkout Session.

index.html
<html>
  <head>
    <title>Checkout</title>
  </head>
  <body>
    <form action="/create-checkout-session" method="POST">
      <button type="submit">Checkout</button>
    </form>
  </body>
</html>

Create a Checkout Session in setup mode to collect the required information. After creating the Checkout Session, redirect your customer to the URL that the response returns.

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Stripe::Checkout::Session.create({
  mode: 'setup',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'upi'],
  customer: customer.id,
  success_url: 'https://example.com/success',
})

Test your integration

Select UPI as the payment method, then click Pay with UPI. If you’re using a mobile device, you’ll be automatically redirected to a test page where you can approve the purchase. Otherwise, you’ll see a QR code, and when you scan it you’ll be redirected to the same test page.