UPI Payment Link: Payment Link with the Magic of UPI.

Last Updated on July 26, 2023

UPI Payment Link

While paying through UPI, you have to enter some details. Like the UPI ID, the bank account number, or the mobile number of the person whom you want to pay. If you are a businessman, you have to share these details with your customers to accept payments. What if you don’t have to do it anymore? Well, it is possible. Thanks to UPI Payment Link.

Yes, you guessed it right! It is the same payment link along with the magic of UPI. Want to know more about it? Here you go.

Table of Contents

  1. What is UPI Payment Link?
  2. Why Use UPI Payment Link?
  3. How to Accept Payments using UPI Payment Link?
  4. Things You Should Keep in Mind
  5. The Bottom Line
  6. Frequently Asked Questions (FAQs)

What is UPI Payment Link?

It is similar to a payment link. But the main difference is that you can pay only through UPI apps. When a customer clicks it, it shows a list of apps installed on his device. He can pay through the app of his choice. You can accept online payments from your customer even if you don’t have a website.

Why Use UPI Payment Link?

The payment links were no less than a wonder in itself. But UPI Payment Link takes it to the next level. It has the following benefits:

The Most Popular Payment Method

Due to its ease of use, UPI has emerged as the most popular method to pay. You will be amazed to know that transactions worth 5.5 Lakh Crores got settled through UPI in June. (Source: NPCI)

So, it is only natural that it will become a popular method for paying.

Quickest Payments

While paying through UPI, we have to enter the UPI ID, the bank account number, or the phone number. But that is not the case with this method. Here, the customer has to enter only the PIN to complete the transaction. So, the transaction gets completed in the blink of an eye.

No Details Required

As mentioned above, the customer requires various details to make the payments. But UPI Payment Links takes care of it as well. He has to click on it. And he will be redirected to the payments page. That way, you don’t have to share confidential information with your customers. So, it also enhances safety.

Higher Success Rate

The customer doesn’t have to enter any details, so the success rate increases. It is so because there is no chance of transaction failure due to incorrect particulars. The success rate of this method is almost 100%, subject to the bank’s servers.


Today, the majority of people are multitaskers. They have to manage their professional and personal life. Some of them are so busy that they don’t even have the time to take care of their health. So, it’s justified that they may forget to pay you.

But don’t worry. In case the customer forgets to pay, you can send him reminders as well. It helps in collecting debts faster. It also reduces the possibility of non-collection of dues.

Bulk Uploads

A business has to deal with a lot of customers. Sending separate links to each customer is a time-consuming and tedious task. But you can generate multiple links at a time through UPI Payment Link. So, it saves you valuable time. You can use that time to focus on your business.

Updation of Details

Entered the incorrect details? No problem. You can update the payment links to enter the correct information. So, you are free from the hassle of cancelling the previous links and creating another one.

How to Accept Payments via UPI Payment Link?

Before initiating a transaction, your customer must have a UPI app installed on his smartphone. Opening the links on a web browser is not supported as of now.

The entire process is easy-peasy. Firstly, you have to create a UPI Payment Link. Enter the details like the amount, name, and mobile number of the customer. He will receive the link instantly with the specified amount. He has to click on the link and select the app to make the payments. Afterwards, he has to enter only the PIN.

That’s it. The transaction is complete. We told you it was easy, right?

Things You Should Keep in Mind

Accepting payments through this method is effortless. But you should remember some points:

  • You cannot delete the link once generated by you. Now, you must be wondering what to do if I sent the link by mistake? Worry not. You can cancel the payment link. By doing so, your customer won’t be able to pay you through that link. And you can generate the correct payment link from scratch.
  • Once your customer pays you through that link, he cannot do it again on the same link. You have to create a new payment link every time for recurring payments.

But here’s a catch. The customers can pay you through UPI Autopay, which is the easiest way to accept recurring payments. 

  • The payment link is valid for a specific time only. It expires after that time. So, you have to create a new payment link if the previous link has expired.

The Bottom Line

UPI Payment Link is a hybrid of payment links with the ease of UPI. Due to its benefits, it has a competitive edge over other payment methods. The transaction process is a child’s play as well.

In the end, remember that your revenue depends on the time your customers take to complete the transaction. So switch to UPI Payment Links to witness exponential growth.

With Enalo, you can create UPI Payment Links effortlessly. There is instant activation. And your customers can pay through various modes like Credit and Debit Cards, Net Banking, Wallets apart from UPI. What’s more, you can even track your payments and manage transactions, cash flow and refunds in real-time. Also, you can customize it as per your business. So, what are you waiting for?

Frequently Asked Questions (FAQs)

1. What is UPI Payment Link?

It is a payment method in which you can accept payment via links. And the customers can pay you via the UPI apps installed on his mobile phone.

2. How do I make a UPI Payment Link?

You can create them by visiting the dashboard. There, you will find an option to create one.

3. Is it safe to create a UPI Payment Link?

If you have used UPI as a payment method, you would have realise how secure it is. The case with UPI Payment Link is no different. After all, it is based on the concept of UPI.

4. Can I link a joint account with UPI Payment Link?

It depends on the merchant bank. Some banks may impose limitations regarding the same, due to security reasons. So, it will be best if you link an individual bank account

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About the Author: Prasuk Jain

I am an inquisitive and tenacious person with a mix of enthusiasm and a positive attitude, currently pursuing CA.