Pay or get paid with UPI

You can settle up inside an enquiry chat with UPI. The seller sends a payment request, and the buyer pays straight from their own UPI app. Zinola never holds the money, and there's no fee.

Ask for payment (seller)

1. Open the enquiry chat

   Open the chat with your buyer.

2. Tap + › Request payment

   It's in More actions beside the message box.

3. Fill in the request

   Enter the Amount (₹) and Your UPI ID, like name@bank. Tick Save for next time to skip typing it again.

4. Send it

   Tap Send request. A Payment request card appears in the chat, marked Waiting for payment.

Pay (buyer)

1. Tap Pay with UPI

   On the payment card, tap the Pay button with the amount. Your phone offers the UPI apps you have, such as Google Pay, PhonePe or Paytm.

2. Pay in your UPI app

   Check the name and amount, and pay as you normally would.

3. Tap I've paid

   Back in the chat, tap I've paid. The card changes to Buyer says it's paid.

If no UPI app opens, the card shows the UPI ID with Copy UPI ID, so you can pay from any app. On a computer, open the chat on your phone to pay.

Confirm it arrived (seller)

Check your bank or UPI app. When the money is there, tap Received on the card. The seller can also cancel a request that's no longer needed.

Only the seller can send a payment request, and only the seller can mark it Received. To agree on the price first, see Offers, counter-offers and pickup times.