How UPI cash withdrawal works at your shop
UPI cash withdrawal lets a customer take cash from their bank account using their UPI app instead of a debit card or fingerprint. Payonclick added the service to its app in August 2026. At the counter it takes four steps:
Enter the details
In the Payonclick app, enter the withdrawal amount and the customer's mobile number.
Show the QR
The app creates a dynamic UPI QR code for this withdrawal. Each code stays valid for about a minute.
Customer approves
The customer scans the QR with any UPI app and approves the payment with their UPI PIN.
Hand over cash
When the app shows success, give the customer the cash. The amount is credited to your Payonclick wallet.
Because the money moves over UPI, the customer needs nothing except their phone. You need no card terminal and no biometric device for this service.
What the customer needs
- A smartphone with a UPI app linked to their bank account
- Their UPI PIN, which they enter in their own app
- Their mobile number, which is mandatory and recorded with the withdrawal
This makes UPI cash withdrawal a good fit for customers who pay by UPI every day but do not carry a debit card, or whose fingerprint does not read well on AEPS devices.
Limits and service hours
| Item | In the Payonclick app |
|---|---|
| Amount per withdrawal | ₹100 to ₹5,000 |
| Amount steps | Multiples of ₹100 |
| Service hours | Closed from 11:30 PM to 5:00 AM |
| Customer mobile number | Required |
Official limits also apply per customer. NPCI's circular NPCI/UPI/OC-225/2025-26 of 7 October 2025 sets ₹5,000 per transaction, ₹10,000 per day and ₹50,000 per month for UPI cash withdrawal at business correspondent points. Our guide to UPI cash withdrawal limits explains each one. The customer's own bank can set lower limits. Check our rules and limits page for updates.
Who can offer it
To offer UPI cash withdrawal, your Payonclick account needs:
- a completed retailer registration and KYC,
- completed AEPS merchant onboarding and eKYC, because this service uses the same merchant setup, and
- the UPI cash withdrawal service activated by our team.
If you already run AEPS or Micro ATM on Payonclick, most of this is done. Our team shares the activation charges and commission before you pay anything.
Keeping every withdrawal safe
Cash leaves your drawer the moment you hand it over, so the app is built around one rule: success first, cash second.
- Wait for success. A scanned QR is not a payment. Hand over cash only when the Payonclick app shows the withdrawal succeeded.
- Let the QR expire. Each code is valid for about a minute. If the customer takes longer, create a new one; never reuse an old code or a screenshot of it.
- Protect the customer's privacy. The customer's UPI ID is masked in your transaction history.
- Never ask for a UPI PIN. The customer types it into their own app. Anyone who asks for it is attempting fraud.
Never accept a payment screenshot from the customer's phone as proof. Screenshots are easy to fake. Only the success status inside your Payonclick app counts.
UPI cash withdrawal, AEPS or Micro ATM?
| UPI cash withdrawal | AEPS | Micro ATM | |
|---|---|---|---|
| Customer needs | UPI app and PIN | Aadhaar and fingerprint or iris | Debit card and PIN |
| Device at your shop | Phone only | Fingerprint or iris device | Bluetooth Micro ATM |
| Per transaction in the app | ₹100 to ₹5,000 | ₹100 to ₹10,000 | ₹100 to ₹10,000 |
Many shops offer all three, so every customer has a way to take cash. Read the full comparison before you decide where to start.