Flow Release Notes | Version 3.6.4

This release note covers updates related to UPI AutoPay & Reverse Penny Drop APIs.

UPI Autopay

Release Date: 10-Apr-2025

Feature: Block Funds & Non-Revokable Mandate Support in Create Mandate API

Summary:
Introduced two new mandatory flags to support advanced use cases such as IPO, BIMA-ASBA, and Lending. These parameters allow merchants to block funds in the user’s bank account and create non-revokable mandates as per business needs.

New API Flags:

is_block_funds - This flag is used to block funds in the user's bank account. This feature is available only for one-time mandates IPO & BIMA-ASBA mandates.

• Accepted values: true / false
  • true → Blocks funds in the user’s bank account.
  • false → Does not block funds.

is_revokable - This flag is used to set non-revokable mandates. It is available only for IPO and Lending MCCs.

• Accepted values: true / false
  • true → User can revoke the mandate.
  • false → Mandate cannot be revoked by the user.

Sample Request Body

{
    "reference_id": "{{$randomUUID}}",
    "consumer_urn": "{{consumer_urn}}",
    "mandate_name": "TPV Testing",
    "amount": 1.00,
    "frequency": "aspresented",
    "purpose_message": "TPV Testing",
    "rule_type": "AFTER",
    "amount_rule": "MAX",
    "start_date": "2025-04-11",
    "end_date": "2025-05-29",
    "expiry_time": 10,
    "default_amount": 1,
    "is_managed_by_decentro": false,
    "is_qr_requested": true,
    "is_block_funds": false,
    "is_revokable": false,
    "is_collect_request": false,
    "is_tpv": false,
    "payer_details": {
        "name": "abc",
        "virtual_address": "nihal1999.simha-2@okhdfcbank",
        "account_no": "50100425803737"
    },
    "generate_psp_uri": false,
    "is_downpayment": true,
    "redirect_url": "https://www.google.com",
    "mandate_action_callback_subscriber_data": {
        "url": "https://webhook.site/c49476bf-fce7-4249-aa20-fb08d94d1043",
        "method": "POST",
        "headers": {
            "content-type": "application/json"
        }
    }
}

Reverse Penny Drop

Release Date: 10-Apr-2025

Feature: Mode & Purpose Support in Intent Links and QR Codes

Summary:
Enhanced Reverse Penny Drop flows by adding UPI-compliant mode and purpose parameters to both Intent Links and QR Codes.

Mode & Purpose Mapping: