UPI Checkout for Online Stores
Most Indian shoppers pay by UPI everywhere else, then meet a card form at online checkout. ARSAVO puts UPI first: the buyer taps Pay, their UPI app opens with the amount filled in, and they approve it.
How 2-tap UPI checkout works
- Tap one: the buyer chooses their UPI app at checkout. ARSAVO opens PhonePe, Google Pay, Paytm, BHIM or Cred directly, with the amount and your store name already filled in.
- Tap two: the buyer approves the payment in their app with their UPI PIN.
- Done: the order is marked prepaid and moves to dispatch.
No card number, no expiry date, no waiting for an SMS code.
Turn COD buyers into prepaid buyers
Prepaid orders are refused far less often than Cash on Delivery orders, because the buyer has already paid. ARSAVO lets you set an automatic discount for paying by UPI, typically ₹50 to ₹150, shown at the moment the buyer is choosing between UPI and COD.
Buyers who still pick COD are confirmed on WhatsApp before dispatch. See COD verification.
UPI or cards at checkout
| UPI deep link | Card form | |
|---|---|---|
| What the buyer types | UPI PIN only | Card number, expiry, CVV, then an OTP |
| Where it happens | In the UPI app they already use | On a payment page, then a bank page |
| Works on mobile | Built for it | Slower on small screens |
| Who can use it | Anyone with a bank account and a UPI app | Card holders |
Works in WhatsApp too
The same UPI payment step is available inside a WhatsApp conversation, so a buyer who starts in chat can pay without leaving it. See WhatsApp commerce.
Frequently asked questions
Which UPI apps are supported?
PhonePe, Google Pay, Paytm, BHIM and Cred.
Does ARSAVO take a cut of UPI payments?
No. ARSAVO charges a flat subscription and 0% commission on sales. Any charge from your payment provider is separate.
Can I choose the prepaid discount amount?
Yes. You set the amount, and you can turn it off.
Can I still offer Cash on Delivery?
Yes. COD stays available, with WhatsApp confirmation before dispatch.
Apply for a founding merchant spot
3 months free, lifetime 0% commission, free migration. 15 spots in Batch 01.