Collections

This module allows businesses to collect funds from their customer or partners

This collection of APIs enables you to collect money via UPI (Unified Payments Interface) from your customers or enable your partner businesses/SMEs to do the same. We support multiple methods like UPI QR codes, payment links, and sending direct collection requests to the designated UPI ID.

UPI Flows

Decentro supports multiple type of collections flows using UPI.

  • Collection Request: This is a flow where the customer or the platform knows the UPI handle from which collection is to be done.
  • Payment Link: This is a flow where the customer or the platform generates a fixed or variable amount UPI link that can be paid through any of the PSP apps on the customer's mobile
  • Push Transaction: This is a flow where the platform generates a dynamic handle to which a customer pays using their preferred PSP app
  • UPI Mandates: This is a recurring mandate flow where the customer pre-authorizes the debit amount and frequency and debits happen as per the schedule. More details can be found here

Points to Note:

  • If you are looking to provide complete flexibility to customers in terms of payment experience without taking the customer outside the app, payment link is recommended
  • If you are asking the customer for a specific UPI handle (VPA) from which payment is to be done, then a collection request is recommended
  • If you are comfortable with the customer going outside your platform to approve the request and you want to track transactions against a specific customer, push transaction is recommended

Issue Collect Request

Send a payment collection request to a specific UPI ID (example - [email protected]).

Collection requests powered by Decentro are of 2 types.

  • Basic: This is a vanilla collection request to a specific VPA provided by the customer and the customer can pay from that specific VPA only
  • Whitelisted: This is a collection request where the platform wants to collect funds from a handled mapped to a specific bank account

The whitelisted flow works well where the platform has the underlying bank account details of the customer. If the customer pays from a handle mapped to a different account, the transaction is rejected directly.

Note: While the whitelisted flow gives control, the customer is limited to a specific bank account from which s/he can pay and you might experience higher failure rates due to the same.

Flow:

  • Once the collection request is triggered, the customer needs to go the relevant PSP app and approve the request.
  • Alternatively, most PSP apps send an SMS to the registered number for the same and the customer can authorize the same on the PSP app.
  • Once the customer approves or rejects the request on the PSP app, Decentro triggers an account balance callback
  • The platform can check the status of the request as well using the reference ID generated from the collection request

Link to the Issue Collect Request

Generate UPI Payment Link

Decentro supports multiple type of payment links.

  • Generic: This is a vanilla payment link that can be used by the customer to pay from any PSP app
  • QR code: This is a vanilla QR code that can be used by the customer to scan and pay from any PSP app
  • Deep-links: This is a variation of the payment link where Decentro provides protocols for popular PSP apps

Flow:

  • Once the payment link is generated, the customer can choose the preferred PSP app and approve the request.
  • Once the customer approves or rejects the request on the PSP app, Decentro triggers an account balance callback
  • The platform can check the status of the request as well using the reference ID generated from the collection request

Link to Generate UPI Payment Link

Check Payment Status

This API can be used to get the status of collection triggered using Payment link/Collection request.

Note: This cannot be used against push transactions.

Link to Check Payment Status

Validate UPI Handle

This API is used to check if a particular UPI-ID (Virtual Payment Address) is valid or not. Decentro recommends platforms to use this before triggering a collection request or even doing UPI payouts.

Decentro has 2 types of VPA validations.

  • Basic: This gives the details like name, status, etc.
  • Advanced: This gives additional details like type of account linked, MCC code, etc.

Link to the Validate UPI Handle (VPA)

Test data to validate VPA can be found here.

Issue UPI Refund

This API can be used to refund a initiated UPI collection like collection request and payment link. The account from which the debit happened will receive the credit as well.

Link to the Issue UPI Refund

Coming Soon

Decentro will be enabling transaction callbacks Transaction Callbacks] for UPI based collection requests and payment links as well.