Flow Release Notes | Version 3.6.6

This release includes additions and fixes for Decentro V2 accounts, Decentro V3 payments & UPI Autopay.

NSDL as a new provider for Validate Bank Account

• Decentro has introduced NSDL as a new provider for Bank Account Validation (Penny Drop).
• Currently, NSDL supports only the Penny Drop validation type. Penniless and Hybrid validations will be available soon.
• To enable NSDL as a provider, please contact the Decentro Support Team.

Enhanced Error Messaging for Validate bank account and Initiate Payout

• Previously, velocity control errors did not specify which rule was breached.
• We've now enhanced the error message to indicate the specific velocity control rule that was violated. This will help platforms quickly identify and resolve configuration issues
• Error Message: Transaction failed due to velocity controls for combination: {rules}. Limit is {X} hits per {Y}. Please try again later.
  Meaning: The following rules can come up with a combination = beneficiary_account, beneficiary_ifsc, beneficiary_vpa, and remitter_account.
  X = Numerical Values
  Y = MINUTE, HOUR, DAY"
• Documentation Link: https://docs.decentro.tech/docs/payments-payouts-errormessages

Introduction of Third Party Verification Flow on UPI collections V3

• The new Third Party Verification (TPV) flow allows platforms to validate a payer’s VPA against their account details.
• Applicable for both Payment Links and Dynamic QR in UPI Collections V3. Two new request parameters have been introduced:
  • account_number
  • account_ifsc
• Platform can pass the account details and when the user performs a transaction, the TPV flow will validate the VPA to make sure the VPA belongs to the account details passed.
• Documentation Link:
  • https://docs.decentro.tech/reference/payments_api-collectionsv3-paymentlink
  • https://docs.decentro.tech/reference/payments_api-collectionsv3-dynamicqr

Addition of Cred PSP URL as part of the deep links in UPI collections V3

• Cred has been added as a supported PSP URL for both Payment Links and Dynamic QR in UPI Collections V3.
• This allows platforms to offer Cred as a PSP option to users at the time of payment.
• Here are the following Deep Links available for UPI collections
  • Google Pay
  • PhonePe
  • Paytm
  • Cred

Introducing Release & Capture Functionality

• Platforms can now release or capture a transaction attempts that are in a "HOLD" status (For UPI Collections V3).
• The new Release and Capture API allows platforms to pass the transaction ID of a transaction attempt in "HOLD" status and decide to either retain (Capture) or refund (Release) the funds to the source.
• Documentation Link: https://docs.decentro.tech/reference/release-capture-api

Introducing a new guide to understand the configurations and transaction status of collections V3.

• With various flows available in Collections V3, platforms often need help understanding different statuses and configuration options.
• Decentro has created a comprehensive guide that explains all transaction statuses and configuration settings in detail.
• Documentation Link: https://docs.decentro.tech/docs/upi-collection-v3-configurations-and-status-values

UPI Autopay

Release Date - 27/04/2025

• If an Autopay mandate is revoked by either the merchant or the user, all scheduled PDNs and presentations will be marked as Cancelled. No separate callbacks will be sent for the cancelled PDNs and presentations.
• In the Create Mandate API, the rule_type field is not required for the following frequencies: One-time, Daily, and As-presented.
• Documentation Link: https://docs.decentro.tech/reference/payments_api-upi-autopay-create-mandate