How to Collect Payments Through Forms in India — UPI, Razorpay & More

Why collect payments directly in forms?

Every extra step in a payment flow increases the chance that a customer drops off. Redirecting users to a separate checkout page, asking them to copy-paste order IDs, or requiring them to open a different app all add friction. When you embed payment collection directly inside a form, the user fills in their details and pays in one seamless flow — no context switching required.

For small businesses, freelancers, and event organizers in India, this matters more than you might think. Your customers are used to quick UPI transactions that complete in seconds. A clunky multi-step checkout feels dated compared to a smooth form that collects information and payment in a single conversation.

By collecting payments through forms, you also simplify your backend. Instead of managing a separate payment system and reconciling it with form submissions, everything arrives together. Each response in your dashboard shows exactly who paid, how much, and when — alongside the answers they submitted.

Payment methods supported in India

India has one of the most diverse digital payment ecosystems in the world, and your payment form needs to support the methods your customers actually use. Through Razorpay integration, stigmi supports all major payment methods available in India.

UPI is by far the most popular payment method, accounting for billions of transactions every month. Your customers can pay using Google Pay, PhonePe, Paytm, or any UPI app. Credit and debit cards (Visa, Mastercard, RuPay) remain important for higher-value transactions and recurring payments. Net banking from all major Indian banks is supported for those who prefer direct bank transfers. And wallets like Paytm, Mobikwik, and Freecharge are available for users with existing wallet balances.

The best part? You do not need to integrate each method separately. When you add a payment question to your stigmi form, Razorpay's checkout automatically presents all available payment options to your respondent. They pick whichever method they prefer, and the payment is captured instantly.

Setting up Razorpay payment forms with stigmi

Getting started with payment collection on stigmi takes just a few minutes. Here is a step-by-step walkthrough:

1. Create a new form — Log in to your stigmi dashboard and click "Create Form." Give it a name like "Event Registration" or "Product Order."
2. Add your questions — Add the information fields you need: name, email, phone number, or any custom fields relevant to your use case.
3. Add a Payment question — From the question type dropdown, select "Payment." Configure the amount (fixed or custom), currency (INR), and a label describing what the payment is for.
4. Activate your form — Switch the form status to Active. Share the public link with your audience via WhatsApp, email, social media, or embed it on your website.
5. Collect responses and payments — When someone fills out your form and reaches the payment step, Razorpay's secure checkout opens. After successful payment, the response is saved with the payment confirmation.

Your Razorpay account handles all the payment processing, settlements, and compliance. stigmi simply integrates with your Razorpay keys so the checkout appears seamlessly within the form experience.

Fixed vs custom amount payments

stigmi supports two payment modes, each suited for different scenarios. Fixed amount payments are ideal when every respondent pays the same price — think event tickets at Rs 500, course fees at Rs 2,999, or membership dues at a set rate. You configure the amount once, and every respondent sees the same price.

Custom amount payments let the respondent enter how much they want to pay. This is perfect for donations, tips, pay-what-you-want products, or variable-priced services where the amount depends on what the customer selects. The respondent types in their amount, and the payment is processed for exactly that value.

You can also combine both approaches in creative ways. For example, a fundraising form might suggest specific donation tiers using a multiple-choice question, then use a custom payment field for those who want to donate a different amount. The conversational form format makes this feel natural rather than overwhelming.

Use cases: Event registration, orders, donations

Event registration is one of the most common use cases. Whether you are organizing a workshop, conference, or community meetup, you need to collect attendee details and registration fees together. With stigmi, you create one form that gathers names, emails, dietary preferences, T-shirt sizes — whatever you need — and collects payment at the end. No need for a separate ticketing platform.

Product orders and services work beautifully with payment forms. A bakery taking custom cake orders, a tutor collecting monthly fees, or a photographer accepting booking deposits can all use a single stigmi form. The conversational format guides customers through options and specifications before asking for payment, resulting in fewer abandoned orders compared to traditional checkout pages.

Donations and fundraising benefit from the low-friction approach. NGOs and community organizations can share a simple form link on WhatsApp or social media. Donors fill in their name, select a cause if applicable, and pay via UPI in seconds. The custom amount option lets supporters donate whatever they can afford. Every donation is tracked in the responses dashboard, making reconciliation and thank-you messages straightforward.

Security and compliance

When collecting payments, security is non-negotiable. stigmi never stores or processes card numbers, UPI PINs, or bank credentials on its servers. All payment processing happens through Razorpay, which is PCI DSS Level 1 compliant — the highest level of security certification in the payments industry.

When a respondent reaches the payment step in your form, Razorpay's secure checkout opens in an overlay. The payment details are entered directly into Razorpay's interface, encrypted, and processed on their servers. stigmi only receives a confirmation token after the payment succeeds, which is stored alongside the form response for your records.

Razorpay is regulated by the Reserve Bank of India (RBI) and complies with all Indian payment regulations. Your customers see the familiar Razorpay checkout they trust, complete with bank logos and security badges. This builds confidence and reduces payment abandonment, especially for first-time customers who might hesitate to pay through an unfamiliar system.

Start collecting payments today

Setting up a payment form on stigmi takes less than five minutes. Create your free account, add a Payment question to any form, connect your Razorpay keys, and start accepting UPI, cards, net banking, and wallet payments from anyone in India.

No monthly fees for unlimited responses. No per-transaction charges from stigmi (standard Razorpay processing fees apply). Whether you are collecting Rs 100 event fees or Rs 50,000 service payments, stigmi handles it with the same smooth conversational experience.