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Flow Release Notes | Version 3.7.8

September 26th, 2025 by Gopal Dixit

This release notes contains updates related to UPI Autopay, Enach UIStreams & UPI.

UPI Autopay

Validation: Adding validation in Pre-debit Notification (PDN) API

  • Effective September 25, 2025
  • For mandates with is_downpayment/ is_first_txn_amount = true, the first PDN can only be created 5 minutes after successful registration.
  • For s_downpayment/ is_first_txn_amount = false, no change - PDN creation allowed immediately.
  • Restriction applies only to the first PDN; subsequent PDNs remain unaffected.
  • Requests violating the rule will fail with error:
{"error_code": "pdn_creation_not_allowed", "message": "First PDN can only be created 5 minutes after registration when is_downpayment/ is_first_txn_amount is enabled"}
  • Merchants must adjust flows to comply.

Feature: Extended Refund API to support UPI Autopay transactions

  • Existing Refund API for UPI extended to handle Autopay refunds.

  • Updated callback structure to identify the callbacks:

    • UPI → UPI Refund (existing)
    • Autopay → UPI Autopay Refund (new)

  • Supports partial refunds for Autopay as well.

  • Refunds can be initiated only for T+30days. Where T is presentation date.

Refund API Documentation - here

Check Refund Status API - here

Enach UIStreams

Addition: Mandate Registration Form Optimization

  • Form layout standardized across flows (with/without user block).
  • Bank Name to be displayed top-right of registration form.
  • Date to be displayed top-left of registration form.

UPI Collections Billing: We've enhanced our Push Transaction mangement logic to auto-refund any transaction paid directly to your UPI VPA (that is, not via our Payment Link, Dynamic QR, or Collect Request services). Such transaction will be refunded to the source account within T+1 days. You will recieve a Terminal Transaction Status callback against the Refund in such cases. This ensures that you do not face any customer esclations where the end-customer claims to have made a payment to your UPI ID but you have not received any transaction (Credit) confirmation from our system.

Validate Bank Account with Name Match Functionality

The Validate Bank Account verifies whether a given bank account is valid or invalid. However, if your platform also requires confirmation that the account holder’s name matches the one provided to you, Decentro now offers an enhanced feature to address this need.

We now support Name Match as part of the bank account validation process. This functionality compares the account holder's name with the name you provide and returns a Name Match Score in the response. Your platform can then use this score to determine the level of match and take appropriate action.

🔔

Note: Additional charges will apply for the name match feature.

Please reach out to [email protected] to avail this feature.

API Reference:: https://docs.decentro.tech/reference/payments_api-validate-bank-account

Asynchronous On-Demand for NSDL Payouts

For NSDL payout clients, the API timeout is governed by NSDL’s 30-second response window. As a result, this timeout also affects Decentro’s Payout API responses.

To improve reliability and prevent platforms from canceling payout requests due to high response times, Decentro has introduced Asynchronous On-Demand Support for NSDL Payouts.

With this enhancement, Decentro responds to payout requests within a few seconds, while the actual processing continues in the background. Platforms can then fetch the final payout status asynchronously, ensuring a smoother and more responsive experience.

Please reach out to [email protected] to avail this feature.