Technical Guide to UPI Intent vs Collect Flow

Understanding UPI payment flows

UPI supports multiple transaction flows designed to handle different types of payment experiences. Among these, Intent flow and Collect flow are two widely used mechanisms that determine how a payment request is initiated and completed.

What is UPI Intent flow

Intent flow is used when a user is redirected from a merchant platform to their UPI app to complete a transaction. The payment details are pre-filled, and the user simply selects their app and authorises the payment.

What is UPI Collect flow

Collect flow works by sending a payment request to the user’s UPI app. The user receives a notification and approves or declines the request manually.

Key differences between the two flows

Intent flow is faster and more seamless, often used in checkout experiences. Collect flow is request-based and gives users more control over approval timing.

Use cases for each flow

Intent flow is commonly used in e-commerce and app-based transactions, while Collect flow is used for invoicing, peer requests, and delayed approvals.

Impact on user experience and conversion

Intent flow typically results in higher completion rates due to its speed. Collect flow may experience delays if the user does not approve the request immediately.

UPI transactions are governed by NPCI guidelines. Stashfin is an RBI-registered NBFC. Please ensure transaction details are correct before confirming payment.