How to Set Up UPI & Wallet Payments on Shopify India (2025 Guide)

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Offering UPI and wallet payments on your Shopify store is crucial for Indian merchants. With over a billion UPI transactions monthly, failing to enable these options means losing potential customers.

In this blog, you’ll learn how to enable UPI and wallet payments on Shopify India, which payment gateways support it, and how to choose the best option in 2025.

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💡 Why Enable UPI & Wallets on Shopify India?

UPI and mobile wallets like Paytm, PhonePe, Google Pay have become the most preferred digital payment methods in India.

Key Benefits:

• ✅ Instant payments with zero failure

• ✅ Widely trusted by Indian users

• ✅ No need for card or netbanking

• ✅ Increased checkout conversions

• ✅ Supports QR scanning on mobile

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🏦 Shopify Payments Now Supports UPI (2025 Update)

As of 2025, Shopify Payments (powered by Razorpay in India) now supports:

• ✅ UPI

• ✅ Digital wallets (Paytm, PhonePe, Freecharge)

• ✅ Netbanking

• ✅ Credit/Debit Cards

Pros of Using Shopify Payments:

• No additional transaction fees

• Easy integration within Shopify

• Fast payouts directly to your bank

• Seamless checkout (with Shop Pay and UPI)

📝 Note: You must complete Shopify Payments KYC to activate UPI.

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🔧 Step-by-Step: How to Enable UPI & Wallets on Shopify (India)

Option 1: Enable via Shopify Payments (Recommended)

Step 1: Go to Settings > Payments in your Shopify Admin

Step 2: Click Activate Shopify Payments

Step 3: Fill in KYC details (PAN, Aadhaar, bank account, etc.)

Step 4: Under Shopify Payments settings, enable:

• ✅ UPI

• ✅ Wallets (Paytm, PhonePe, etc.)

• ✅ Netbanking

Step 5: Click Save

That’s it! Your store can now accept UPI & wallet payments.

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Option 2: Enable UPI via Razorpay Gateway (Third-Party)

If you prefer a separate gateway, Razorpay is India’s most popular third-party payment provider compatible with Shopify.

Step 1: Create a business account at Razorpay

Step 2: Complete KYC verification

Step 3: In Shopify, go to Settings > Payments

Step 4: Under Third-party Providers, search for Razorpay

Step 5: Add your Razorpay API Key and Secret

Step 6: Enable:

• ✅ UPI

• ✅ Wallets

• ✅ Netbanking

• ✅ Cards

Step 7: Save and test checkout flow

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📲 Popular Wallets & UPI Apps You Can Accept on Shopify

Payment Method	Supported by Shopify Payments?	Supported by Razorpay?
UPI (Google Pay, PhonePe, etc.)	✅ Yes	✅ Yes
Paytm Wallet	✅ Yes	✅ Yes
PhonePe Wallet	✅ Yes	✅ Yes
Mobikwik	❌ No	✅ Yes
Freecharge	✅ Yes	✅ Yes
Amazon Pay	❌ No	✅ Yes

💡 If you want Paytm Wallet + UPI together, Razorpay is ideal.

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📊 Shopify UPI & Wallets: Transaction Fees (2025)

Provider	UPI Fee	Wallet Fee	Settlement Time
Shopify Payments (Razorpay)	0–1.75%	2–2.5%	T+2 working days
Razorpay (Standalone)	0% on UPI	2% on wallets	T+2
Paytm Payment Gateway	1.25% – 2%	2.5%	T+1 to T+2
Cashfree	~1.25%	2.5%	T+1

📝 UPI is often free or lowest cost, making it the most affordable option.

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❗ Important Notes

• You cannot enable both Shopify Payments and another third-party gateway like Razorpay at the same time. Choose one.

• UPI shows up on checkout only when:

  • The order currency is INR

  • The buyer is using an Indian IP or browser

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• Razorpay Shopify integration

• Shopify Paytm wallet integration

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• Shopify checkout with UPI

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✅ Final Thoughts

Enabling UPI and wallet payments on Shopify makes your store more user-friendly and profitable in the Indian market. Shopify Payments now supports UPI natively, while Razorpay, Cashfree, and Paytm offer great third-party alternatives with flexible features.

Want help integrating UPI and wallets into your Shopify store?

👉 RootSyntax can set up your Indian payment systems within 24 hours. Contact Us Today