UPI First Checkout by Innoviti
UPI-First Checkout is Innoviti's customer-facing payment solution for enterprise retailers. Integrated directly into the billing journey, it automatically presents a transaction-specific dynamic UPI QR after the customer confirms the bill.
Bill review, payment initiation and confirmation all together on one display. Along with brand specific custom QR's to improve UPI engagement, while preserving the option to pay by card
The payment moment
From a passive payment option to the natural next step after billing.
A separate payment decision.
BEFORE
UPI is the natural next step.
AFTER
Paying by card always remains an option.
How it works
01 / Review the bill
One connected layer across billing, payments and engagement.
Keeps billing, payment and customer-facing systems aligned in real time.
Surfaces eligible UPI offers and applies applicable benefits before payment.
Manages UPI QR generation, payment status and seamless card fallback.
Delivers targeted promotions, loyalty communication and in-store campaigns.
Customer privacy first · DPDP Act 2023 compliant.
Supports API integration, testing, multi-store rollout and ongoing operations.
Business impact
UPI carries a lower applicable MDR for eligible transactions. Presenting UPI before another payment method is selected can help shift the payment mix and reduce overall acceptance cost.
₹1,000 Cr
Annual payment volume
20%
Illustrative shift from cards
₹200 Cr
Payment volume shifted to UPI
₹2.8 Cr*
Illustrative potential annual MDR saving
At a 1.4 percentage-point MDR difference
Four benefits for retailers
01
Optimize on MDR costs
02
Build customer trust with clear billing.
03
On-screen brand ads & promotions on additional customer facing display.
04
DPDP act 2023 compliant - Customer privacy-first checkout experience.
*The calculation is illustrative and assumes annual payment volume of ₹1,000 crore, a 20% shift from cards to eligible UPI transactions, contracted card MDR of 1.8% and applicable UPI MDR of 0.4%. Actual savings will vary based on payment mix, contracted rates, transaction eligibility, applicable regulations, taxes and other charges.
Let's talk UPI-first
Increase UPI adoption, reduce total MDR and create a more engaging payment experience—without limiting customer choice.
Speak with Innoviti to understand how the solution can integrate with your existing billing and payment environment.
4 of India's top retailers are already piloting this. Join the next wave of UPI.