UPI 2.0 Feature: Invoice in the Inbox

What is 'Invoice in the Inbox'

This UPI 2.0 feature allows merchants to send detailed invoices directly to a user’s UPI app. Instead of receiving a simple payment request, users can view itemised details before approving the transaction.

How the feature works

When a merchant initiates a collect request, an invoice is attached with information such as product details, amount, and description. The user reviews this inside the app before authorising payment.

Why this feature improves trust

By providing clarity on what the payment is for, it reduces ambiguity and helps users make informed decisions. This is especially useful for online and service-based transactions.

Use cases in real-world payments

It is commonly used in e-commerce, bill payments, and service transactions where detailed billing information is required.

Benefits for users and merchants

Users gain transparency, while merchants benefit from higher trust and improved payment conversion rates.

Things to keep in mind

Always review invoice details carefully before approving any payment request.

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