> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# About Turbo UPI

> Use Razorpay Turbo UPI to make UPI payments faster. Following are the sample screens while making payments using Turbo UPI.

<Warning>
  **Watch Out!**

  Currently, Flutter SDK is supported only for Android.
</Warning>

## Advantages

* Simplified payment process with just two steps.

* Higher success rate.

* One stop for refunds and disputes.

* Higher success rates with a smoother payment experience.

* Complete in-app flow with no redirections gives better control over the user journey.

* Prevent timeouts effectively, as customers never leave your app.

<Warning>
  **Watch Out!**

  Due to the sensitive nature of the added libraries, we must ensure that the app is running in a proper environment. Therefore, after integration, the app will not run on Android emulators.
</Warning>

<Warning>
  **Watch Out!**

  * Use the `rzp_test_0wFRWIZnH65uny` merchant key for testing on the UAT environment and the [Razorpay live keys](/api/authentication#live-mode-api-keys) for prod testing.
  * As a compliance requirement, you need to get approval from Google for **READ\_SMS** permission. Refer [to this link](https://support.google.com/googleplay/android-developer/answer/10208820?hl=en) for more details.
</Warning>

## Customer Onboarding

Your customers can link their bank accounts to your app with these steps:

1. The customer navigates to your app's checkout screen and taps **Add bank account**.

<Info>
  **Handy Tips**
</Info>

The customer needs to give **allow SMS permission** so that we can validate the phone number with the bank.

2. The customer's bank details are fetched and linked to the bank account.

3. The customer selects a bank from the list of banks. The top 8 banks are displayed for easier selection.

<Info>
  **Handy Tips**
</Info>

If no UPI PIN is set, the customers are prompted to provide their card details, enter an OTP and complete the setup.

This completes the onboarding.

## Transaction Flow

After the customer is onboarded, on the checkout page of your app:

1. The customer selects the linked bank account.

2. The customer enters the UPI PIN to complete the payment.

### Related Information

* [Turbo UPI Headless](/payments/payment-gateway/flutter-integration/custom/payment-methods/turbo-upi/integration-noui)