UPI has become the dominant payment method for online purchases in India, and any e-commerce site not offering it smoothly is leaving conversions on the table. Here is what proper integration actually involves, beyond simply adding a payment button to a checkout page.
Choosing a payment gateway
Razorpay, Cashfree and PayU are common choices for Indian businesses, each supporting UPI, cards, net banking and popular wallets through a single integration. The choice usually comes down to transaction fee structure, settlement speed, and how good their developer documentation and support actually are when something goes wrong at 11pm on a Friday.
What good integration actually covers
- Handling payment failures gracefully, since UPI transactions can fail or time out for reasons outside your control, and the checkout flow needs to communicate this clearly rather than leaving a customer unsure whether their payment went through
- Webhook handling for payment confirmation, rather than relying only on the immediate response, since UPI payments can confirm asynchronously and your order system needs to handle that correctly
- Reconciliation, matching what the gateway reports as settled against what your order system shows, since discrepancies here are a common, quietly expensive problem if nobody is checking
- PCI compliance for any card data handling, even when using a gateway that takes on most of the compliance burden for you
Common mistakes that cost real money
Not handling the case where a payment succeeds on the gateway's end but the confirmation callback to your site fails, which can result in a customer being charged with no order actually created, a genuinely bad experience that generates support tickets and lost trust. Not testing the failure paths at all, only the happy path where everything works, which means the first time a real failure happens is in front of an actual paying customer.
What to test before launch
Successful payment, failed payment, payment timeout, and the specific case of a webhook arriving late or out of order. If your development team cannot walk you through how each of these is actually handled, that is worth asking about before launch, not after a customer complaint surfaces the gap.
If you are building or fixing payment integration for your online store, our development team builds and tests these flows properly, including the failure cases most integrations skip.