Because customer payments settle directly into your own account, UPIPayments never touches that money. Fees are paid from a small prepaid wallet instead.
Topping up
Open Wallet, enter an amount and pay by UPI. The balance updates as soon as the payment is confirmed, and an invoice is created for your records.
What happens when it runs low
- You get a low-balance email.
- If the wallet cannot cover the fee of a new live payment, that payment is refused with
insufficient_wallet, unless your platform allows a credit limit.
The statement
Every credit and debit is listed with the balance after it, linked to the payment or invoice it came from. Unused balance never expires.
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