This section provides an overview of available payment channels in Xenith. This guide helps merchants understand these payment options and the experience for customers using them.

🇮🇳 Indian Rupee (INR)

UPI QR

Overview

UPI QR codes are static or dynamic QR codes that facilitate seamless payments via UPI-enabled apps. A dynamic QR is typically generated per transaction and includes payment amount and metadata, while static QR codes are fixed and reused. These QR codes are accepted across digital wallets, banking apps, and offline-to-online conversion tools. UPI QR is widely supported across apps like PhonePe, Google Pay, Paytm, and BHIM.

Customer Experience

Select UPI: The customer selects “Pay via UPI” at checkout.
Scan the QR Code: A dynamic (or static) QR code is shown. The customer opens a UPI app and scans it.
Review & Authorize: The payment amount and recipient auto-fill. The customer confirms the transaction using their UPI PIN.
Obtain UTR: After the transaction, the UPI app displays the UTR (transaction reference) on the success screen or in the transaction history.
Enter UTR on Checkout Page: The customer returns to the merchant page and enters the UTR to confirm the payment.
Submit & Await Confirmation: The system checks the UTR. Upon validation, the customer sees a success confirmation.

UPI VPA

Overview

UPI VPA (Virtual Payment Address) allows customers to initiate payments by entering the UPI ID and completing the transaction manually in their preferred UPI app. Unlike Intent or QR-based methods, the VPA flow is customer-initiated.

Customer Experience

Select UPI: The customer chooses “Pay via UPI” at checkout.
Initiate Payment with the UPI ID: The customer copy the UPI ID and initiate the payment with the preferred UPI-enabled apps.
Authorize Payment: The customer reviews the request, and authorizes it using their UPI PIN.
Obtain UTR: After the transaction, the UPI app displays the UTR (transaction reference) on the success screen or in the transaction history.
Enter UTR on Checkout Page: The customer returns to the merchant page and enters the UTR to confirm the payment.
Submit & Await Confirmation: The system checks the UTR. Upon validation, the customer sees a success confirmation.

UPI Intent

Overview

UPI Intent is a payment flow designed for mobile apps and web browsers that allows customers to initiate UPI payments directly from a merchant interface, triggering a redirection to a supported UPI app (e.g., Google Pay, PhonePe, Paytm) without requiring manual entry of a UPI ID or scanning a QR. It creates a more frictionless and mobile-first experience, increasing conversion rates and reducing drop-offs. The merchant app/web redirects the user with pre-filled transaction details, and the UPI app handles authentication and payment confirmation.

Customer Experience

Select UPI: The customer chooses “Pay via UPI” at checkout.
Select UPI Supported App: Customer selects the UPI supported app like Google Pay, PhonePe, Paytm.
Redirect to UPI App: The customer is automatically redirected to their preferred UPI app via deep linking.
Pre-Filled Details: The amount, payee VPA (Virtual Payment Address), and transaction notes are auto-filled.
Authorize Payment: The customer enters their UPI PIN to complete the payment.
Return to Merchant App: Upon success/failure, the UPI app redirects back to the merchant app or browser with the transaction status.
Immediate Confirmation: The merchant receives an instant callback or webhook to confirm the transaction result.

Bank Transfer (IMPS/NEFT/RTGS)

Overview

Bank transfers in India can be completed through IMPS (Immediate Payment Service), NEFT (National Electronic Funds Transfer), or RTGS (Real-Time Gross Settlement). IMPS provides real-time fund transfers 24/7, while NEFT and RTGS are scheduled systems used primarily for higher-value or institutional transactions. Although slower to adopt than UPI, bank transfers are commonly used for high-value transactions, B2B payments, and regulated sectors.

Customer Experience

Select Bank Transfer: Customer selects bank transfer at checkout.
Obtain Payment Instructions: Customer receives the merchant’s bank account number, IFSC code, and reference note.
Initiate Transfer: Using their mobile/internet banking or bank branch, the customer makes the transfer.
Confirmation: Confirmation may be delayed depending on the transfer type (IMPS is real-time, NEFT/RTGS can take hours).

Note: In Xenith, we currently use IMPS for Pay Outs, so please ensure you provide a valid IFSC code when submitting the bank account details in Pay Out request.

🇮🇩 Indonesian Rupiah (IDR)

Virtual Account (VA)

Overview

Virtual Accounts (VA) are temporary, unique bank account numbers generated for each transaction. Used widely in Indonesia, they provide a convenient and secure way for customers to transfer funds directly to the intended merchant account without needing to submit proof of payment. This feature makes VAs popular for depositing funds into accounts—such as forex trading platforms—and for other types of online purchases. For merchants, VAs simplify the reconciliation process, ensuring each transaction can be uniquely identified, reducing manual tracking errors and processing delays.

Customer Experience

Select Virtual Account (VA): At checkout, the customer selects the Virtual Account option.
Receive Unique VA Number: A dedicated VA number is generated for the transaction.
Complete Payment: The customer completes the payment using their preferred bank app, ATM, or branch.
Immediate Confirmation: Payment is instantly confirmed.

QRIS (Quick Response [QR] Code Indonesian Standard)

Overview

QRIS (Quick Response Indonesian Standard) is a unified QR-based payment channel developed by Bank Indonesia. It allows customers to make cashless payments by scanning a single QR code that works across various platforms, including major Indonesian e-wallets (DANA, OVO, GoPay, ShopeePay) and bank transfers. QRIS has gained widespread popularity due to its ease of use and adaptability, particularly in mobile-based transactions. For merchants, QRIS provides an efficient and secure way to process payments, with automated transaction records and lower transaction fees, regulated by the government. Widely used in Indonesia, QRIS is also available in Malaysia, Singapore, Thailand, and will soon expand to India, Korea, Japan, and the UAE.

QRIS is similar to QR code payment systems seen globally, such as WeChat Pay in China or PayPal's QR code system. It allows for cashless payments from multiple platforms, all using a single, standardized QR code.

Customer Experience

Select QRIS: At checkout, the customer selects QRIS as their payment channel.
Scan or Upload QR Code: The customer scans the code using their e-wallet or banking app or uploads an image if provided online.
Complete Payment: The customer confirms their preferred payment source and authorizes the payment.
Immediate Confirmation: Payment is instantly confirmed.

E-wallets

Overview

E-wallets are digital wallets that allow customers to store funds and make cashless transactions using a smartphone. Major e-wallet providers in Indonesia include OVO, DANA, GoPay, ShopeePay, and LinkAja. With a high percentage of unbanked individuals in Indonesia, e-wallets have become a popular and accessible alternative to traditional banks, allowing users to quickly top up or pay, often requiring only a phone number for basic access, without the need for a full bank account. E-wallets also integrate seamlessly with QRIS, further increasing their usability in both in-person and online transactions.

E-wallets are similar to popular digital wallets like PayPal, Apple Pay, or Google Wallet, but they are tailored to the Indonesian market and commonly used for transactions in IDR.

Customer Experience (OVO)

Select E-Wallet: At checkout, the customer selects OVO as their preferred payment method.
Receive Push Notification: The customer receives a push notification from the OVO app prompting them to confirm the payment.
Review Payment Details: By tapping the notification, the customer is directed to the OVO app, where they can review the payment details including the amount and recipient information.
Authorize Payment: After verifying the details, the customer authorizes the payment. Once completed, they receive a confirmation along with the transaction details in the OVO app.

Customer Experience (DANA)

Select E-Wallet: At checkout, the customer chooses their preferred e-wallet from the available payment options.
Confirm Payment Source: The customer confirms the e-wallet balance, linked bank account, or other available sources within the app.
Authorize Payment: The customer approves the payment with a PIN, fingerprint, or face recognition within the e-wallet app.
Immediate Confirmation: Payment is instantly confirmed.

Bank Transfer

Overview

Bank transfers are a traditional but highly trusted payment option in Indonesia. This channel includes real-time transfers using mobile banking or internet banking and delayed transfers via ATMs or physical bank branches. Many Indonesian customers prefer bank transfers for the security and familiarity they offer, especially for larger transactions. With options for intrabank (same bank) and interbank (different banks) transfers, this channel is suitable for customers who prefer a direct, straightforward payment process.

Customer Experience

Select Bank Transfer: The customer selects “Bank Transfer” as the payment option at checkout.
Obtain Payment Details: The customer receives the merchant’s bank account information, including account number and exact payment amount.
Complete the Transfer: The customer initiates the transfer via ATM, mobile banking, or internet banking and inputs the merchant’s account details
Confirmation: The customer may receive a notification from their bank, but processing times vary by bank and transfer type.

🇻🇳 Vietnamese đồng (VND)

VietQR

Overview

VietQR is a standardized QR code payment system in Vietnam, allowing customers to make quick and secure cashless transactions by scanning a QR code within the NAPAS network. Similar to QRIS in Indonesia, VietQR is part of the broader digital payment transformation in Vietnam, promoted by local banks and payment platforms to enhance transaction convenience. VietQR integrates seamlessly with mobile banking apps, making it a preferred option for quick payments in retail, e-commerce, and peer-to-peer transactions.

Customer Experience

Select VietQR: At checkout, the customer selects VietQR as the payment method.
Scan or Upload the QR Code: The customer uses their banking app or payment platform to scan the QR code.
Complete Payment: The customer confirms their preferred payment source and authorizes the payment.
Immediate Confirmation: Payment is instantly confirmed.