Create a UPI payment in India via Razorpay using the Intent deep-link flow (or Collect where still permitted), and confirm status by polling or webhook.

Documented steps

1. Authenticate every call with HTTP Basic Auth using your Key ID and Key Secret against https://api.razorpay.com/v1. Test keys are prefixed rzp_test_, live keys rzp_live_.
2. POST /v1/orders with {amount (in paise), currency: "INR", receipt, notes} to create the order. Record the returned id (order_xxx) and status "created".
3. Prefer UPI Intent for new integrations: POST /v1/payments/create/upi with amount, currency, order_id, method: "upi", contact, email, ip, referer, user_agent and upi: {flow: "intent"}.
4. Read the upi://pay deep-link URI from the response VERBATIM and hand it to the device's UPI intent resolver (for example the Android intent chooser) so the user's UPI app opens pre-filled.
5. For UPI Collect, where your merchant category is still permitted: POST /v1/payments/create/upi with the same fields but upi: {flow: "collect", vpa: "<payee@bank>", expiry_time: <minutes, default 5, max 5760>}.
6. The collect request pushes an approval notification to the customer's UPI app. The customer must approve within expiry_time or the request lapses.
7. Poll GET /v1/orders/{order_id}/payments to list payment attempts and read each status (created, authorized, captured, failed). Poll the order rather than tight-looping a single payment id.
8. If no payment reaches a paid state within roughly 2-3 minutes, treat the attempt as abandoned and let the customer initiate a fresh payment against the same order rather than resending the same collect request.
9. For production reconciliation, subscribe to payment.authorized, payment.captured and order.paid webhooks instead of polling - see the Razorpay webhook signature verification route.
10. Capture the payment if auto-capture is not enabled, then reconcile using the order id and razorpay_payment_id.
11. Official docs: https://razorpay.com/docs/payments/payment-methods/upi/ | https://razorpay.com/docs/payments/third-party-validation/s2s-integration/upi/intent/ | https://razorpay.com/docs/payments/payment-gateway/s2s-integration/payment-methods/upi/collect/ | https://razorpay.com/docs/api/orders/create/