UPI or Razorpay for event tickets: which should you use?

Personal UPI: free, instant, you confirm

• No gateway fee — the full amount lands in your bank account.
• No company, website or KYC paperwork needed.
• You (or your team) check that each payment arrived before the guest gets their pass.
• Best for: house parties, workshops, clubs, trips — anything up to a few hundred guests where a short wait for confirmation is fine.

Payment gateway (Razorpay / Cashfree): automatic, with a fee

• Guests pay by card, UPI or netbanking and get their pass immediately — nobody has to approve anything.
• You need your own business account with the gateway, and it must be approved (KYC) before it can take payments.
• The gateway charges its own fee on each payment, and pays out to your bank on its schedule.
• Best for: big nights where hundreds of people book in a rush, or when you can’t check payments yourself.

A simple way to decide

1. Expecting under ~200 bookings and happy to check payments a few times a day? Start with UPI.
2. Expecting a rush (a launch, a festival night) or can’t watch your phone? Use a gateway.
3. Not sure? Start with UPI today and connect a gateway later — you can switch for new bookings any time.

How Yano handles both

On Yano you can choose either for each event. With UPI, guests see your UPI ID, pay from any UPI app and tell you they paid; you check and tap Approve, and their pass is emailed. With your own Razorpay or Cashfree, passes go out the moment the payment succeeds.

Either way the money goes straight to you. Yano never holds, pools or routes ticket money — it charges only a small software credit per paid pass (₹6–₹10).