South Asia · UPI & IMPS
UPI Payout Integration
India's UPI moves money in seconds to any handle. WePesa settles gift-card escrow into PhonePe, Google Pay, Paytm and every bank VPA — with IMPS behind it when NPCI caps bite.
You freelance for a foreign client who pays in Amazon codes, or a relative abroad sends iTunes — and you want rupees in your PhonePe today. This page documents the rupee leg: how fast, how much, and what KYC applies.
At a glance
What this rail delivers.
Median settle
60s
Handles supported
Any VPA
Daily UPI cap
₹1,00,000
Success rate
99.3%
How it works
From gift card to settled payout.
01
Lock the INR quote
Live USD/INR plus the card's rate, held 10 minutes so a rupee move mid-upload can't cut your payout.
02
Verify the VPA
We push a ₹1 name-probe to your handle and read back the beneficiary name. You confirm it's you before the full amount moves.
03
NPCI settles, or IMPS does
Card clears escrow, payout fires over UPI. Above the ₹1L daily cap we switch to IMPS on the same locked rate.
Coverage
Providers, banks, and wallets we settle to.
| Destination | Type | Notes | Typical settle |
|---|---|---|---|
| PhonePe / Google Pay / Paytm | UPI wallet-linked | Most common — @ybl, @okhdfcbank, @paytm | 30–90s |
| Bank VPA (HDFC, ICICI, SBI, Axis) | UPI bank handle | Direct to account, no wallet hop | 30–90s |
| IMPS / NEFT | Bank transfer | Above ₹1L/day, or for business accounts | 5–15 min |
| bKash (Bangladesh) | Mobile wallet | Beta — BDT quotes | 2–10 min |
| USDT (TRC-20) | Crypto | Skip INR and rupee FX entirely | ≈30s |
Limits & fees
Exactly what lands in your account.
| Tier | Per transaction | Per day | KYC needed |
|---|---|---|---|
| New seller | ₹10,000 | ₹25,000 | Phone + e-mail |
| Verified (Aadhaar or PAN) | ₹50,000 | ₹1,00,000 | One document |
| Above ₹49,999/day | ₹1,00,000 | IMPS for the excess | PAN required (TDS) |
| Hub / pro trader | By agreement | By agreement | Full KYB |
Rail fees are absorbed by WePesa unless a row says otherwise. The quote you lock is the amount that settles.
Reliability
How we keep the rail up when the network isn't.
NPCI downtime is queued
UPI has scheduled maintenance windows and occasional bank-level outages. Queued payouts fire the moment the handle's bank is back, at the rate you locked — no re-quote, no loss.
Handle deactivation detection
Closed or migrated VPAs are the top cause of failed Indian payouts. Our ₹1 probe catches them before the main transfer, so failures surface in seconds, not hours.
Automatic IMPS spillover
Cash out ₹1.5L and we don't ask you to come back tomorrow — ₹1L goes over UPI and the balance over IMPS to the linked account.
TDS-ready statements
Monthly statements with payout IDs and PAN reference, formatted for what your CA actually needs at filing time.
For builders
Trigger payouts programmatically.
POST /v1/payouts — UPI
json
{
"rail": "upi",
"destination": { "vpa": "yourname@okhdfcbank" },
"source_card": { "brand": "amazon_us", "face_value_usd": 100 },
"quote_id": "qt_77ce10",
"fallback_rail": "imps"
}
// 201 Created
{
"id": "po_4Vt1",
"status": "name_probe_sent",
"amount_inr": 6890,
"beneficiary_name": "R. SHARMA",
"eta_seconds": 60
}API access is available to verified Hub accounts. Sandbox keys are issued same day.
FAQ
What sellers ask about this rail.
What is the maximum I can cash out in a day?+
NPCI's consumer standard is ₹1,00,000 per day per UPI ID. Beyond that we spill over to IMPS, or split across days if you prefer to stay on UPI.
Do I need to give my PAN?+
Only above ₹49,999 in a day — that's where TDS and RBI KYC guidance kick in. Under that, phone and e-mail verification is enough.
Is selling gift cards legal in India?+
Yes. Reselling an unused gift card is legal, and the INR leg runs through RBI-licensed payment partners.
My handle changed banks — will the payout fail?+
The ₹1 name-probe detects it first and asks you for a current handle. Nothing large moves until a live VPA confirms.
Can I receive to a current (business) account?+
Yes, over IMPS or a business VPA. Hub accounts get consolidated statements and higher ceilings.
Sell a card for UPI.
Lock a quote, upload the card, watch the payout land. Escrow protected end to end.
Related
Keep exploring.
Sell gift cards for UPI
The transactional flow for this rail.
/sell/in/gift-cards-for-upi →
Guide: gift card scam warning signs
The five scam patterns to avoid.
/guides/gift-card-scams →
USDT payouts
Skip INR and rupee volatility.
/integrations/usdt →
All payout rails
Compare UPI against 15 other rails.
/integrations →
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