- PhonePe (default): a PhonePe Payment Gateway business account. Payments are confirmed automatically.
- Paytm, Razorpay, Cashfree: use an account you already have with them. Payments are confirmed automatically.
- Direct UPI: any UPI ID, no gateway account needed. The customer enters the UTR and you confirm the payment yourself.
Money always goes straight to the account you connect. You can connect several and choose a default for each mode.