> ## Documentation Index
> Fetch the complete documentation index at: https://guides.saber.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Configuring Currency and Payment Methods

> Supported from_currency, to_currency, and network combinations, plus per-currency payment methods: INR UPI intent/transfer, bank transfer, SEPA, card, and open banking.

Supported configurations for initiating transactions, based on three parameters:

* **From Currency**: The fiat currency used for payment (e.g., INR, EUR, GBP).
* **To Currency**: The cryptocurrency being purchased (e.g., USDT; other tokens available on request).
* **Network**: The blockchain network used (all major networks supported).

Available **Payment Methods** depend on this combination — see the breakdown below.

### Supported Configurations

| Parameter       | Supported Values                            |
| --------------- | ------------------------------------------- |
| `from_currency` | `INR`, `EUR`, `GBP`                         |
| `to_currency`   | `USDT` (other tokens available on request)  |
| `network`       | All major blockchain networks are supported |

### Payment Methods by Currency

### For INR

#### 1. UPI Intent Methods

* **Description**: The user is redirected to a specified UPI app to complete the payment.
  * Available intent methods are `gpay_intent`, `phonepe_intent`, `paytm_intent`, and `other_upi_intent` (the generic "any other UPI app" intent).
  * No need to fetch beneficiary details or update transaction references manually.
  * Post-payment, the status (`success`, `failed`, or `pending`) is reflected on the platform automatically.
* **How to Use**:
  * Pass the required method when initiating the transaction.
  * In the response, a **redirect URL** is provided.
  * The redirect URL can be displayed as a clickable link or converted into a **QR code** for scanning by the user.
* **Advantages**: Seamless flow; no manual reconciliation needed.

#### 2. UPI Transfer

* **Description**: A manual transfer method where the user makes payment to a UPI ID provided by the system.
* **How to Use**:
  * Fetch UPI ID using the **Fetch Beneficiary API**.
  * The user transfers the specified amount using their UPI app.
  * After payment, the user retrieves the UTR/Transaction Reference from the UPI app and creates the transaction along with the UTR via **Initiate Transaction API**.
* **Purpose**: The UTR is used to reconcile the payment and map it to the transaction.

#### 3. Bank Transfer

* **Description**: A manual transfer method where the user transfers the specified amount to a bank account.
* **How to Use**:
  * Fetch bank account details using the **Fetch Beneficiary API**.
  * The user transfers the amount using their banking app.
  * After payment, the user retrieves the UTR/Transaction Reference from the banking app and creates the transaction along with the UTR via **Initiate Transaction API**.
* **Purpose**: The UTR is used to reconcile the payment and map it to the transaction.

### For EUR and GBP

#### 1. Bank Transfer (`sepa_transfer`)

* **Description**: A manual transfer method where the user transfers the specified amount to a bank account.
  * Payment is done via **SEPA** or **SEPA Instant Transfer**.
  * **SEPA Instant** is recommended for faster transactions.
* **How to Use**:
  * Fetch bank account details using the **Fetch Beneficiary API**.
  * The user transfers the amount using their banking app.
  * After payment, the user retrieves the Transaction Reference from their banking app and creates the transaction along with the Transaction reference and sender's IBAN using **Initiate Transaction API**.
* **Purpose**: The Transaction Reference and IBAN are used to reconcile the payment and map it to the transaction.

#### 2. Card Transfer

* **Description**: The user is redirected to a link where they can enter their card details and complete the payment.
* **How to Use**:
  * Pass the required method when initiating the transaction.
  * In the response, a **redirect URL** is provided.
  * The user completes the payment on the redirected page.
* **Notes**: Not preferred due to low success rates and high fees for the user.

#### 3. Openbanking

* **Description**: The user gets a link where they can authorise their bank account for a sepa/sepa\_instant pull.
* **How to Use**:
  * Pass the required method while initiating a transaction.
  * In the response, a **redirect URL** is provided.
  * The user completes the payment on the redirected page.
* **Notes**:
  * Please ensure your redirect URL is configured with Saber team.
  * Redirect URL format: `{base_url}/?reference={reference_id}&order-id={order_id}` — `base_url` needs to be configured for user redirection after payment completion; handling for `reference_id` needs to be done where `reference_id = transaction_id` of the given transaction.
  * Please refer to the best practices for Openbanking integration.

### Summary of Payment Methods by Currency

| Currency | Payment Method | Method Name                                                         | Description                                                                  |
| -------- | -------------- | ------------------------------------------------------------------- | ---------------------------------------------------------------------------- |
| INR      | UPI Intent     | `gpay_intent`, `phonepe_intent`, `paytm_intent`, `other_upi_intent` | Seamless UPI payment with redirect URL or QR code; no manual reconciliation. |
| INR      | UPI Transfer   | `upi_transfer`                                                      | Manual UPI payment; user must update UTR for reconciliation.                 |
| INR      | Bank Transfer  | `bank_transfer`                                                     | Manual bank transfer; user must update UTR for reconciliation.               |
| EUR/GBP  | Bank Transfer  | `sepa_transfer`                                                     | SEPA/SEPA Instant transfer; user must update Transaction Reference and IBAN. |
| EUR/GBP  | Card Transfer  | `card_transfer`                                                     | Payment via card on a redirected page; less preferred due to high fees.      |
| EUR/GBP  | Open Banking   | `open_banking`                                                      | Payment via bank transfer through a pull flow after user auth.               |

For any queries or assistance, please contact the Saber Money support team.


## Related topics

- [Fetching Payment Methods](/docs/fetching-payment-methods.md)
- [Fetching Quote](/onramp/operations/quote.md)
- [Supported Configurations](/docs/supported-onramp-methods.md)
- [Initiating Transaction](/onramp/operations/initiate-transaction.md)