UPI Payment Sequence Diagram

Sequence diagram of a UPI payment in India: the payer app, PSP banks, the NPCI switch, PIN authorisation, debit, credit and confirmations.

UPI Payment Sequence Diagram — Sequence diagram

How it flows

  1. Payee App → Payee PSP Bank: 1. Initiate Collect Request
  2. Payee PSP Bank → NPCI UPI Switch: 2. Forward Collect Request
  3. NPCI UPI Switch → Payer PSP Bank: 3. Route Collect Request to Payer PSP
  4. Payer PSP Bank → Payer App: 4. Notify Payer of Collect Request
  5. Payer App → Payer PSP Bank: 5. Payer Reviews & Enters UPI PIN
  6. Payer PSP Bank → NPCI UPI Switch: 6. Forward PIN Auth & Debit Request
  7. NPCI UPI Switch → Payer PSP Bank: 7. Validate & Authorise Debit
  8. Payer PSP Bank → Payer PSP Bank: 8. Debit Payer Account
  9. Payer PSP Bank → NPCI UPI Switch: 9. Debit Confirmation
  10. NPCI UPI Switch → Payee PSP Bank: 10. Credit Instruction to Payee PSP
  11. Payee PSP Bank → Payee PSP Bank: 11. Credit Payee Account
  12. Payee PSP Bank → NPCI UPI Switch: 12. Credit Confirmation
  13. NPCI UPI Switch → Payer PSP Bank: 13. Transaction Success Acknowledgement
  14. Payer PSP Bank → Payer App: 14. Payment Success Notification
  15. NPCI UPI Switch → Payee PSP Bank: 15. Transaction Success Acknowledgement
  16. Payee PSP Bank → Payee App: 16. Payment Received Notification

Components

Payer App · Payer PSP Bank · NPCI UPI Switch · Payee PSP Bank · Payee App

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