Why Promote This Offer

The ABCD UPI affiliate program pays a CPA of $0.3 for every first successful UPI payment completed by a new Indian user on the ABCD app. With India's 300 million-plus active UPI users and a single low-friction payment trigger, this is a high-volume acquisition program for publishers with broad Indian fintech and digital payments traffic.

1. A $0.3 CPA on first payment is a high-volume, low-friction payout model - making a single UPI payment is one of the simplest conversion events in Indian fintech affiliate marketing.
2. ABCD's NPCI licensing and Aditya Birla Capital backing give it immediate credibility over standalone UPI apps, reducing the trust barrier for new users setting up a new payment account.
3. India's 300 million-plus active UPI users and continued growth in Tier 2 and Tier 3 city digital payments adoption create a large, expanding addressable audience year-round.
4. The first-payment trigger requires only a single UPI transaction with no deposit, loan, or investment step - one of the cleanest and most scalable CPAs in the Indian fintech vertical.

Who Should Promote This

Ideal Publisher Profile

Best suited for Indian fintech and UPI app review and comparison sites, payment tutorial YouTube channels, social media pages targeting Indian mobile users, and media buyers running in-app display or push campaigns targeting UPI-active Indian adults with digital payments intent.

Audience Match

Converts best with Indian adults aged 18 to 45 who already use UPI daily and are open to a new payments app that bundles loans, investments, and insurance features alongside UPI for a more complete financial experience.

Traffic Rules

Allowed

• Organic Indian fintech, UPI, and digital payments review and comparison content
• App comparison and tutorial content for UPI payment apps
• Email marketing to opted-in Indian digital finance audiences
• Native advertising on Indian technology, finance, and lifestyle platforms
• In-app display and DSP campaigns geo-targeted to India with UPI payments intent
• Push notifications targeting Indian smartphone users
• Social media content on Instagram, YouTube Shorts, and Telegram fintech groups

Not Allowed

• Incentivized or reward-based referrals
• Fraudulent or simulated UPI payment transactions
• Brand keyword bidding on ABCD or Aditya Birla Capital paid search terms
• Traffic from outside India
• Content targeting users under 18
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with NPCI UPI guidelines and RBI digital payment regulations. Do not misrepresent cashback rates, interest rates, or financial returns in creatives.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Indian fintech or UPI content.
2. User clicks and is directed to the ABCD app on the Google Play Store.
3. User downloads, installs, and registers on the ABCD app.
4. User sets up their UPI ID and completes their first successful payment.
5. S2S Postback fires the first-payment conversion event to the affiliate network.
6. Conversion enters the 30-day validation window.
7. After validation, $0.3 is credited to the publisher's payout balance per valid conversion.

Tracking Window: 30 days  |  Attribution: Last-click  |  Tracking Method: S2S Postback  |  Deduplication: One CPA per unique new Indian user first payment

Promotional Tips

• UPI app comparison content framing ABCD against PhonePe, GPay, and Paytm is the highest-converting acquisition angle - highlight ABCD's Multi-Pay feature and institutional backing as key differentiators.
• Recharge and bill payment tutorial content drives fast first-payment conversions - users on how-to guides are already in a payment intent mindset and complete the first transaction quickly.
• Position ABCD as a payments app that grows with the user - loans, investments, and insurance features beyond UPI make it more than just another payment tool.
• For media buyers, in-app placements in Indian e-commerce, food delivery, and ride-hailing apps reach users making payments throughout the day with strong contextual alignment to first-payment conversions.

Payment Methods

Publishers are paid through multiple flexible methods including Crypto, Wise, PayPal, Wire Transfer, and more. Payouts are processed on a Net-30 cycle once your earnings clear the minimum payout threshold. Contact your account manager if you need to set up or change your preferred payment method.