NPCI and Reliance launch India’s first in-store UPI Payments facility


National Payments Corporation of India (NPCI) and Reliance Retail announced the launch of a new in-store payment solution that will enable customer payments via Unified Payments Interface (UPI) platforms like BHIM or other bank-promoted UPI payment apps. The platform is architected by Bangalore-based Innoviti Payment Solutions, with process support from Axis Bank.

Reliance Retail becomes the first organized retail chain in India to offer customers the option of NPCI’s mobile-based UPI app payments at its stores.

New Unified Payments Interface (UPI) Payments facility currently live across more than 200 Reliance Retail stores across various formats including Reliance Fresh, Reliance Trends, Reliance Digital, among others in Mumbai. To be progressively extended to all Reliance Retail stores across the country.

In-store UPI Payment is enabled through an innovative Dynamic QR-code interface architected by Innoviti, which runs off merchant’s existing POS terminal.

The new solution allows individual cashiers in multi-lane retail to get UPI payment confirmation charge slip directly on their POS terminal – removing a long standing implementation issue for UPI spread in large multi-lane retail stores.

Launch opens a path for faster ramp up of NPCI’s mission to drive cashless payments under the Digital India initiative.

Customers can use any UPI-based app for making their in-store purchases – including NPCI’s BHIM or any other Bank promoted UPI-app.

How UPI / BHIM at POS works?

This innovative dynamic QR-code based solution uses the store’s existing credit/debit card POS terminal to enable UPI-based cashless payments.

When a customer requests UPI Payment mode, the cashier simply needs to select the ‘UPI Payment’ option on his existing card POS terminal and inputs the relevant bill payment amount.

This triggers the generation of a dynamic QR-code on the POS terminal screen itself which can be scanned into any mobile-based UPI-apps like BHIM used by the customer.

When scanned, the QR code automatically transfers relevant transaction details and displays it on the customer’s payment app for authorizing payment transfer.

Once the payment transfer from customer’s UPI-linked bank account to store’s UPI-linked account is completed, the payment solution triggers a settlement confirmation to the initiating in-store POS terminal for printing out a transaction completion charge slip.


By enabling such a UPI payment confirmation on the merchant POS terminal itself, the new in-store UPI interface addresses a long-standing implementation hurdle holding back faster spread of UPI-acceptance in large multi-lane retail stores.

With multiple checkout points, the cashiers in these stores have no direct means of payment receipt prior to releasing the purchased goods to the customer. This is unlike a small single cashier store where such a confirmation could be received via a simple text message to the single cashier’s own mobile phone.

The new solution enables the crucial payment confirmation to be received on cashier-independent infrastructure like the store POS terminal – a necessity for multi-cashier stores with high cashier churn. Usage of a Dynamic QR with the merchant VPA (Virtual Private Address) or UPI ID and amount embedded in it eliminates the need for typing in of the customer or merchant credentials in the POS.

This process offers convenience besides eliminating the cumbersome and error-prone process of typing out credentials.



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