You can use ZWITCH APIs to allow virtual account holders to create UPI collect requests. Using this functionality, virtual account holders can send UPI payment requests to a payer's UPI ID.
Below is an overview of how virtual account holders can receive money using the UPI collect request feature.
- The virtual account holder creates a UPI collect request by passing the payer's UPI ID and a few other details in the request.
- When the UPI collect request API call is successfully made, a notification is sent to the payer on their UPI app.
- The payer logs in to their UPI app and accepts the payment request.
- Money is debited from the payer's account and credited to the virtual account.