The Checklist
When evaluating a UPI provider, look for these eight non-negotiables:
1. Multi-PSP routing — auto-failover across NPCI member banks.
2. High auth rates — production data showing 95%+ on retail transactions.
3. Intent + Collect + QR — full coverage of UPI flows.
4. Instant payouts — not just collect, but disbursement too.
5. Webhook reliability — at-least-once delivery with signature verification.
6. Real-time refunds — issue and confirm in seconds.
7. Settlement clarity — daily reports that reconcile to the rupee.
8. Compliance — RBI-licensed PA/PG with PCI and ISO 27001.
How Payomatix Stacks Up
We meet all eight — plus offer smart routing across UPI, cards, wallets, and net banking through one API. Try the sandbox to see the auth rates yourself.