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

# UPI Setup

> Configure UPI payments in PCI Booking for Indian payment processing.

UPI (Unified Payments Interface) enables instant bank-to-bank payments for merchants operating in India. Built by the National Payments Corporation of India (NPCI), UPI allows customers to pay directly from their bank account using a Virtual Payment Address (VPA), without sharing card or bank details with the merchant.

Through PCI Booking's [Payments Library](/payments-library/overview), you can offer UPI as a payment method alongside card payments, Apple Pay, Google Pay, and other options on the same checkout page.

## How UPI Works with PCI Booking

When a customer selects UPI at checkout, the Payments Library presents a UPI payment flow. The customer authorizes the payment through their UPI app (such as Google Pay, PhonePe, or Paytm), and funds transfer instantly from the customer's bank to your account. PCI Booking handles the secure communication and transaction signing so no sensitive payment data passes through your servers.

UPI supports **CHARGE** operations only. Tokenization and 3D Secure are not applicable to UPI transactions.

## Prerequisites

* A PCI Booking merchant account with UPI enabled
* A registered UPI Virtual Payment Address (VPA) for receiving payments
* Your business must be registered to accept payments in India

## Setup

UPI setup requires coordination with the PCI Booking team. Contact [support@pcibooking.net](mailto:support@pcibooking.net) to get started. Our team will guide you through account eligibility, regional requirements, and testing.

## Store in PCI Booking

Once configured, create an eWallet account in PCI Booking with:

| Field                   | Description                                       | Required |
| ----------------------- | ------------------------------------------------- | -------- |
| **eWallet Type**        | UPI                                               | Yes      |
| **Merchant Identifier** | Your UPI Virtual Payment Address (VPA)            | Yes      |
| **Salt**                | Cryptographic salt for secure transaction signing | Yes      |

You can store credentials through the [PCI Booking portal](https://users.pcibooking.net) or programmatically via the [Store Credentials API](/api-reference/payments-library-accounts/store-credentials).

## Testing

Contact the PCI Booking team to receive sandbox credentials for UPI testing. Sandbox mode lets you simulate UPI transactions without processing real payments, so you can verify your integration before going live.

<Info>
  UPI is available for charge operations only. It does not support tokenization, pre-authorization, or 3D Secure flows.
</Info>

## Next Steps

<CardGroup cols={2}>
  <Card title="Payments Library Credentials" icon="book" href="/account-setup/payments-library-credentials">
    Overview of all payment method credentials
  </Card>

  <Card title="Payments Library Overview" icon="book" href="/payments-library/overview">
    Integrate the library in your checkout page
  </Card>
</CardGroup>