Article

UPI Intent vs Collect: Which One Actually Works Better?

Razorpay · razorpay.com Free Intermediate India

The clearest technical explanation of why UPI Intent out-converts Collect, from the gateway that actually routes the transactions and sees the failure data. Send this to your dev team when they ask why UPI success rates vary by flow.

  • Intent deep-links directly into the customer's UPI app; Collect requires a manual app-switch and approval.
  • Reported Intent success rates run materially higher than Collect, per Razorpay's data, exact figures vary by report.
  • Recommended pattern: Intent on mobile, dynamic QR on desktop, gateway handles bank-side retry logic.
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The question it answers

  1. How do I optimise UPI at checkout, what's the difference between UPI intent and collect, and why do my UPI payments keep failing?

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