UPI ATM

UPI QR Cash Withdrawal API

A UPI QR Cash Withdrawal API enables users to withdraw cash from a merchant outlet by scanning a QR code using a UPI app. Instead of going to an ATM, the customer can get cash directly from a nearby merchant.

How it works (Flow)

QR Generation
Merchant generates a dynamic QR using the API (amount + reference ID).
Customer Scan
The customer scans the QR via apps like Google Pay, Cred, or Paytm.
Payment Authorization
Customer approves the payment using UPI PIN.
Transaction Processing
Money is transferred from customer’s bank to merchant’s account instantly.
Cash Disbursement
Merchant hands over equivalent cash to the customer.
Status Check
API is used to verify transaction status (success/failed/pending).

Supported Bank and PSPs