UPI on Wowzo cards – A Complete Guide to Buying Digital Products in India

Introduction to UPI

The Unified Payments Interface (UPI) is India's revolutionary real-time payment system that facilitates instant inter-bank transactions through a mobile device. Developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI), UPI has transformed the digital payment landscape since its launch in 2016.

It works by linking multiple bank accounts to a single mobile application, allowing users to send and receive money using a unique UPI ID (Virtual Payment Address or VPA), such as yourname@bank. This eliminates the need to share sensitive information like bank account numbers, IFSC codes, or card details for transactions.

WOWZO supports UPI payments in Indian Rupees (INR), providing a secure and convenient checkout experience for digital products like gift cards, game keys, and mobile top-ups.

How to Buy with UPI on WOWZO (Step-by-Step)

Purchasing digital products with UPI is simple and fast. Follow these steps for a smooth checkout on the platform:

1. Visit WOWZO and Select Your Product: Browse the selection of digital items and add your preferred product and denomination to your cart.
2. Account Login/Verification: Log in to your account. New users will be prompted to verify their email and phone number for security.
3. Review Your Cart: Confirm the product details in your cart and click "Continue to payment."
4. Choose Payment Method: Select UPI from the available options.
5. Complete the Payment: You will have one of the following options:
   • Scan a QR Code: A unique QR code will appear on your screen. Open any UPI-enabled app (Google Pay, PhonePe, Paytm, or your bank's app), scan the code, verify the payment details, and authorize the transaction with your UPI PIN.
6. A user scanning a UPI QR code with a smartphone to make a payment
   • UPI Intent (for Mobile Users): If you are shopping on your mobile device, selecting UPI will automatically prompt you to choose from the UPI apps installed on your phone. The payment details will be pre-filled. Simply select your preferred app and enter your UPI PIN to authorize. This is known as a "deep link" flow.
   • Enter UPI ID (VPA): You may be asked to enter your UPI ID (e.g., yourname@okbank). After entering it, you will receive a payment request notification in your UPI app. Open the notification, verify the amount and merchant name, and approve the payment with your UPI PIN.
7. Receive Your Product: After successful payment, your digital product is delivered instantly to the "My Orders" section of the platform.

Supported Countries and Regions

UPI is primarily used in India. Transactions via UPI on the platform are processed from Indian bank accounts.

While UPI is expanding to countries like France, UAE, Singapore, Bhutan, and Nepal, integration here is specifically for Indian customers. Non-Resident Indians (NRIs) with NRE/NRO accounts linked to Indian mobile numbers may also use UPI, depending on their bank policies.

Supported Currencies

All UPI transactions on the platform are processed in Indian Rupees (INR).

Processing Currency: INR (₹). Your payment will be debited from your linked Indian bank account. No currency conversion fees apply when paying from a standard Indian account.

Advantages of Using UPI on WOWZO

Using UPI offers several benefits that improve your payment experience:

• Instant and 24/7 Payments: Transactions are processed in real-time, including weekends and holidays, ensuring immediate product delivery.
• High Security: UPI uses strong security measures like two-factor authentication (device lock/PIN + UPI PIN). You never share your bank or card details with the merchant.
• No Cost for Users: UPI transactions are free. You only pay for the product and any service fees displayed at checkout.
• Universal Compatibility: UPI works with almost all Indian banks and many third-party apps, including Google Pay, PhonePe, Paytm, and BHIM.
• Simplicity and Convenience: Payments can be completed with a UPI ID or QR scan in just a few taps.

UPI Features Overview

Summary of UPI features on the platform:

FAQs

Is it safe to use UPI?

Yes. UPI is one of the safest digital payment methods. Security includes:

• UPI PIN: Every transaction requires a 4- or 6-digit PIN.
• Device Binding: The UPI account is linked to your mobile device and SIM.
• Data Encryption: All transaction data is encrypted for confidentiality and integrity.

Important: Never share your UPI PIN with anyone. Legitimate services will never request it.

Are there extra fees for using UPI?

UPI transactions are free for customers. Any applicable service fees are clearly displayed before confirming payment.

What if my UPI payment fails?

Transactions can fail due to poor connectivity, bank downtime, incorrect PIN, or exceeding limits.

• If no money is debited, try again.
• If money is debited but the transaction fails, the amount is refunded to your bank, usually within hours, but up to 3–5 business days depending on banks.

Transaction limits for UPI

• General Limit: Typically ₹1,00,000 per day across all UPI apps.
• Transaction Count: Usually 20 per day.
• Bank-Specific Limits: Some banks have lower limits (e.g., ₹25,000–₹50,000).

Payments to hospitals and educational institutions may allow up to ₹5 lakh per transaction.

How do I receive my product after payment?

Once your payment is confirmed, the product is delivered instantly to the "My Orders" section on the platform.

What is a UPI ID?

A UPI ID (VPA) is a unique identifier that lets you send and receive money without sharing your bank account number. It looks like an email (e.g., yourmobile@bank) and is linked to your bank account.