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UPI payments to shops

Effective 10 November 2026

In this document, “Loopul”, “we”, “us” and “our” mean Doublyu Labs, with its registered office at 2-29, Main Street, Mugachinthala Village, Kondapi Mandal, Prakasam District, Andhra Pradesh 523270, India. We operate the Loopul mobile apps, the website at loopul.in and the Loopul shop console. You can reach us at support@loopul.in or +91 79896 51171.

Some shops let you pay them by UPI directly, to the shop's own UPI ID. This page explains how that works, what Loopul can and cannot do, and what happens if something goes wrong. It forms part of our Terms of use and Terms for shops.

1. How it works

  1. You place your order and choose “Pay the shop by UPI”.
  2. The app shows the shop's name, the UPI ID the shop gave us, and the exact amount, with a QR code that Loopul draws for that order. Check the name your UPI app shows before you pay.
  3. You pay from any UPI app. The money goes from your bank account to the shop's bank account. It never passes through Loopul, and Loopul charges no fee on it.
  4. You tap “I've paid” and tell the shop when you paid, and if you can, the UPI reference (the 12-digit number in your UPI app), the app you used, and a screenshot.
  5. The shop checks its own UPI app or bank account and confirms the payment. Only then is your order paid.

2. What “I've paid” means — and does not mean

  • Telling the shop you paid is not proof of payment. A screenshot, a reference number or returning from a UPI app does not show that money reached the shop; Loopul cannot see your bank account or the shop's, and cannot confirm a payment for the shop.
  • Until the shop confirms, your order shows “waiting for the shop to check”. A shop may start packing before it has checked; the order still cannot be completed until the payment is confirmed, or the shop records that you paid in cash instead.
  • The amount to pay is the order total fixed by Loopul's server. Once you have said you paid, the shop may lower the amount (for example if an item is out of stock) but cannot raise it; to buy more, place a new order.

3. If the shop cannot find your payment

  • The shop can say it could not find the payment, or ask you for more details. You are told, and you can send the details again or call the shop.
  • If you are sure the money left your account, you can raise a dispute in the app. Our support team then contacts you and the shop and keeps a record of what was found.
  • Because Loopul never received the money, we cannot refund a UPI payment made to a shop. Any refund comes from the shop. If a payment went to the wrong place, your bank or UPI app's complaint process (and NPCI's UPI dispute mechanism) is available to you; we will share the order details you need.
  • To prevent mistakes and misuse, a UPI reference already used for another order at the same shop is refused, and the number of times you can submit payment details for one order is limited.

4. Money a shop owes you back

If a UPI order is cancelled, or made smaller, after you said you paid, Loopul records the amount the shop owes you. The shop sends it from its own UPI app and records that it did, with its reference; you can see this on your order. If it does not arrive, contact us and we will follow it up with the shop. See Payment disputes.

5. The shop's responsibilities

  • Give Loopul a UPI ID that belongs to the shop or its owner, and keep it up to date. Changing it is recorded and the owner is alerted; orders already placed keep the UPI ID shown when they were placed.
  • Confirm a payment only after seeing it in the shop's own UPI app or bank account, answer every “I've paid” promptly, and send back any money owed.
  • Never ask a customer to pay to a different UPI ID than the one shown in the app.

6. Your payment details and screenshots

What you send (time, reference, app, note and screenshot) is shown only to that shop and to you, and to our support team if there is a dispute. Screenshots are stored privately (never at a public link), re-saved without their hidden metadata, and the picture is deleted 180 days after the order is finished; the payment details stay with the order as its payment record. See our Privacy policy.

7. Help

Write to support@loopul.in with the shop's name and your order number, or use our grievance process.