Provider type: wallet · On request

PhonePe + Tranzify

PhonePe is an Indian UPI wallet and payment provider: a payer approves the payment in the PhonePe app or any other UPI app, and the money moves instantly between bank accounts. A Tranzify client enables PhonePe from the catalogue under its own contract and gets UPI pay-ins and refunds in INR with routing, cascading and a five-year journal.

Request this integration

Methods: UPI
Countries: India
Currencies: INR
Supported operations: deposit · refund
Website: https://www.phonepe.com

What the integration covers

PhonePe is listed in the catalogue as a wallet with one method, UPI, in one country, India, with settlement in INR. The operations are pay-in and refund: the payer confirms the payment with a UPI PIN in the PhonePe app or any other UPI app, PhonePe confirms it within seconds, and a refund goes back the same way. Payouts and recurring charges are not part of this integration. The status is on request: the integration is built when a client asks for it, tested against the PhonePe sandbox and handed over with the client’s own credentials.

How a client enables it

The client, a licensed PSP or fintech, holds its own account with PhonePe under its own contract; PhonePe settles the funds to the client, never to Tranzify. The credentials go into the terminal settings in the Tranzify back office, and routing rules decide which UPI payments go to PhonePe, by amount, merchant or weight, and cascade them with the other UPI providers of the catalogue, such as Razorpay, Paytm and SurfGate. Tranzify verifies every PhonePe callback before it changes a payment’s status, journals every payment, callback and retry, and calls the client’s webhook with the result.

How to connect

1Onboard with Tranzify and get your network, keys and back office.
2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
4Go live. Every payment, callback and retry is in the journal for five years.

Frequently asked questions

Which countries and currencies does PhonePe cover?+

India, with settlement in INR; the integration carries UPI pay-ins and refunds.

What does the client need?+

An account with PhonePe under its own licence and contract; the credentials go into the terminal settings in the Tranzify back office.

How is the integration enabled?+

On a client’s request: the Tranzify team builds and tests it with the PhonePe sandbox, and the client then switches it on in its routing rules with its own credentials.

See the platform on your own flows

Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.

✓ Not a financial institution
✓ Money never passes through us
✓ Built to PCI DSS requirements