Definition
A UPI collect request is a payment request sent by a merchant to a customer’s UPI app where the customer approves the transaction.
How this works
The merchant generates a collect request. The customer receives a notification in the UPI app and authorises the payment.
Benefits
• No need to enter UPI ID manually
• Reduced payment errors
• Better checkout experience
FAQs
Is a collect request safer than manual entry?
Yes. It reduces input mistakes and phishing risks.
Can customers decline a collect request?
Yes. The request will expire if not approved.
Do collect requests support expiry time?
Yes. Merchants can set time validity.
Are collect requests used in bill payments?
Yes. Widely used for utilities, subscriptions, and invoices.

