UPI on United Digital – A Complete Guide to Buying Digital Products in India
Introduction to UPI
The Unified Payments Interface (UPI) is India's revolutionary real-time payment system that facilitates instant inter-bank transactions through a mobile device. Developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI), UPI has transformed the digital payment landscape since its launch in 2016.
It works by linking multiple bank accounts to a single mobile application, allowing users to send and receive money using a unique UPI ID (Virtual Payment Address or VPA), such as yourname@bank. This eliminates the need to share sensitive information like bank account numbers, IFSC codes, or card details for transactions.
United Digital supports UPI payments in Indian Rupees (INR), offering a seamless and secure checkout experience for customers in India purchasing digital products such as gift cards, game keys, and mobile top-ups.
How to Buy with UPI on United Digital (Step-by-Step)
Purchasing digital products using UPI is quick and straightforward. Follow the steps below for a smooth checkout experience:
- Visit the Website and Select Your Product: Browse the available digital items and choose your preferred product and denomination.
- Account Login or Verification: Sign in to your account. New users may be asked to verify their email address and phone number for security purposes.
- Review Your Cart: Double-check the product details in your cart and proceed to the payment page.
- Select Payment Method: From the available payment options, choose UPI.
- Complete the Payment: Choose one of the following methods to finalize your transaction:
- Scan a QR Code: A unique QR code will appear on your screen. Open any UPI-enabled app (such as Google Pay, PhonePe, Paytm, or your bank’s app), scan the code, verify the details, and authorize the payment using your UPI PIN.
- A user scanning a UPI QR code with a smartphone to make a payment
- UPI Intent (Mobile Users): On mobile devices, selecting UPI may automatically open your installed UPI apps with pre-filled payment details. Simply choose your preferred app and enter your UPI PIN to complete the payment.
- Enter UPI ID (VPA): You may also enter your UPI ID (e.g., yourname@okbank). A payment request will be sent to your UPI app, where you can review and approve the transaction.
- Receive Your Product: Once the payment is successful, your digital product will be delivered instantly to the "My Orders" section of your account.
Supported Countries and Regions
UPI is primarily available to users in India. All UPI transactions on the platform are processed through Indian bank accounts.
Although UPI is expanding internationally to regions such as France, the UAE, Singapore, Bhutan, and Nepal, its availability here is currently optimized for Indian customers. Non-Resident Indians (NRIs) with eligible NRE or NRO accounts may also be able to use UPI, depending on their bank’s policies.
Supported Currencies
All UPI payments are processed exclusively in Indian Rupees (INR).
Processing Currency: INR (₹)
Payments are debited directly from your linked Indian bank account, with no currency conversion fees applied.
Advantages of Using UPI
Paying with UPI offers several benefits that enhance the overall checkout experience:
- Instant, 24/7 Transactions: Payments are processed in real time, even on weekends and public holidays.
- Enhanced Security: Two-factor authentication ensures high security without sharing sensitive banking details.
- No User Fees: UPI transactions are free for customers, in line with NPCI guidelines.
- Wide App Compatibility: Works seamlessly with most Indian banks and popular UPI apps.
- Fast and Convenient: Complete payments with just a few taps using a QR code or UPI ID.
UPI Features Overview
Below is a quick overview of the key UPI features:
| Payment Type | Real-time Bank Transfer |
| Channel | Online / Mobile App |
| Availability | India |
| Refunds | ✅ Yes |
| Partial Refunds | ✅ Yes |
| Chargebacks | ✅ Yes (via UPI dispute mechanism) |
| Payment Confirmation | Instant |
| Buyer Protection | ✅ Yes |
| Security | ✅ Mandatory UPI PIN & Encryption |
FAQs
Is it safe to use UPI?
Yes. UPI offers multiple layers of security, including UPI PIN authorization, device binding, and encrypted transaction data.
Important: Never share your UPI PIN with anyone. Legitimate services will never request it.
Are there extra fees for using UPI?
UPI transactions are free for customers. Any applicable service fees are clearly displayed before confirming payment.
What if my UPI payment fails?
Failed transactions may occur due to connectivity issues, bank downtime, or incorrect PIN entry. If funds are debited, refunds are processed automatically according to RBI guidelines.
What are the transaction limits for UPI?
Most banks allow up to ₹1,00,000 per day, with limits varying by bank and transaction type.
How do I receive my product after payment?
After successful payment, your digital product is delivered instantly and can be accessed from the "My Orders" section.
What is a UPI ID?
A UPI ID (VPA) is a unique identifier linked to your bank account, allowing secure payments without sharing bank details.