FAQs - Payments

This section outlines some of the most important FAQs pertaining to the Payments module. If you have any other queries, please reach out to us at [email protected].


1. What are the different types of collections modes supported by Decentro ?

Decentro supports collections from individuals or businesses through UPI collections and Direct Bank transfer to a virtual account.

2. Does Decentro support cards like Debit or Credit Card ?

Decentro currently doesn't support Debit or Credit card based collections as of now Decentro currently supports only direct debits like UPI collections, Virtual account based collections and mandates using ENACH and UPI.


The FAQs in this sub-section pertain to the Direct Payouts

1. Who can use payouts?

Payouts can be used by any Indian business entity which wants to transfer funds to a beneficiary using UPI, IMPS, NEFT, and RTGS as payment methods.

2. How do I use payouts?

Decentro offers a payouts function by using APIs and Decentro Dashboard (web).
Customers can pass the details of the beneficiary through our API and also through the Dashboard to initiate a payout.

3. What are the methods of transaction which are supported by Decentro?

Decentro supports payouts via UPI,IMPS,NEFT and RTGS

4. What are the advantages of using Decentro’s Payouts?

Decentro’s clients can initiate payouts 24x7 with lightning-fast transaction processing and high success rates. You can enable instant payouts through our UPI and IMPS channels. Clients can easily view the transaction status through our dashboard and callbacks. Decentro support teams are always available to help you with any problems you might face.

5. How can I use Decentro’s Dashboard for payouts?

Decentro’s Dashboard can be used to manage beneficiaries (add and modify), initiate payouts, and view status of all the payout transactions.

6. What is the API workflow of payouts?

Decentro offers Payouts API with both asynchronous and synchronous flow. The recommended API workflow is shared below:

  • Load funds to your virtual account using you business/personal bank account
  • Validate bank account using our Penny drop service instantly to know who the account belongs to
  • Add beneficiaries against the created virtual account before initiating a payout. This is optional
  • Payout to your beneficiaries using any of the supported modes using our Payout services
  • Decentro triggers Account Balance callback against the Virtual account into which the funds are credited and debited
  • Decentro triggers Transaction Status callback against the Virtual account into which the funds are credited
  • Check the status of the payout by hitting the Get Transaction Status API as an alternative to callbacks. This is to be used if the callbacks are not triggered.

7. How do I load funds into the Virtual Account?

Customers can load their funds into the Virtual Account using their bank account and configuring the virtual account as the beneficiary during the fund transfer process.

8. Do I have to create a beneficiary using the ‘Manage Beneficiary’ API every time I do a payout?

Decentro recommends using the ‘Manage Beneficiary’ API if you will be initiating multiple payouts against the same beneficiary. For one-time payouts, consuming the Manage Beneficiary API is not required.

9. When do I use the Get Transaction Status API?

Decentro offers customers the ability to check the status of the transaction, by passing the Decentro Transaction ID, when using the ‘Get Transaction Status’ API . This API should be used only if the transaction is in a ‘pending’ state.

10. What action must be taken when a transaction is in pending state even after using Get Transaction Status API?

Decentro takes the necessary measures to reduce pending transactions, but if a transaction is pending for longer than 2 hours, please wait for T+2 days for the final payment status (terminal state). If they are still in pending state, reach out to [email protected] or your dedicated customer success representative.

11. Does Decentro send any callbacks for the status of the transaction?

Yes, Decentro provides two types of callbacks for payouts

  • Transaction Status Callback: This callback will show the status and details of the transactions
  • Account Balance Callback: This callback will help you understand the movement of funds within your virtual account. If the funds have been debited from the account, a debit callback will be sent. If the funds have been added to the account, a credit callback will be sent.

12. I want to reconcile my transactions. How can Decentro help me?

Decentro’s ‘Consolidated Account Statement’ functionality, accessed through our dashboard, will allow you to generate the reconciliation file. You must specify the date range and Decentro will share a CSV file, with the required transaction details, at your registered email address.

UPI Collections

The FAQs in this sub-section pertain to the UPI Collections module

1. Who can use UPI for collections?

Any Indian business entity can use UPI to facilitate ad-hoc or one-time payments from its customers, vendors or any other player in their business ecosystem.

2. What are the benefits of using UPI for collections?

There are multiple benefits of UPI for collections like coverage across banks, ubiquitous knowledge from a customer perspective and more importantly, seamless customer experience

3. What are the primary use cases for UPI-based collections?

UPI-based collections are extremely convenient in powering use-cases like purchases, loan repayments, investments, and insurance premiums and offline use-cases like QR-based collections.

4. What is the customer journey for UPI-based collections?

UPI requires the payer to have UPI enabled on their mobile through a TPAP/PSP app like PhonePe, Google Pay, PayTm, etc. Payers can pay through any one of the below flows.

  • UPI Deep links where the payment can happen from a specific UPI app on their mobile
  • Generic payment link where the customer can choose the UPI app of their choice
  • Collection Request where the payment can be done from a UPI app of the payer's choice
  • QR-based payment through any preferred PSP app

5. Is UPI supported by all Remitter Banks?

Yes. UPI is supported by all commercial banks in India. The payer just has to register their account on a UPI app and start using to pay to merchants offline or online.

6. Can the UPI collections stack be set up on a platform's business account/s?

Yes. Decentro can power UPI collections on a current or a similar business account where Decentro already has integrations in place.

7. What is the maximum amount that can be deducted via UPI?

The maximum amount that can be debited via a single presentation depends on the PSP handle and the remitter bank (where the payer has a bank account). Typically, most banks support UPI debits of at least 1,00,000 INR/day with some banks supporting higher limits.

8. How are the funds settled to the beneficiary?

Decentro settles the funds to the registered beneficiary's bank account as per standard settlement cycles as agreed upon at the time of onboarding.

9. Does Decentro require a platform to use a virtual account for UPI collections as well?

Yes. Decentro uses the virtual account stack as a ledger account to maintain collections across different modes and transaction types at a single place. The platform can choose to create one or more virtual accounts and map the payment link to be generated against it.

10. Can the platform create the payer handle as per their naming convention?

Decentro follows a standard naming convention to be compliant with statutory guidelines set by NPCI (which regulates UPI) and its partner bank. Typically, the trade name or the legal name of the platform/merchant can be present in the handle.

11. Does Decentro provide SDKs for UPI collections?

Yes. Decentro has an SDK for UPI intent flow and collect requests that can be embedded in an app and used to collect using UPI.

12. Can a platform create payment links or collect requests using the Decentro dashboard?

Yes. Decentro has a readily available capability to generate payment links and collection requests through its dashboard which is shared post being onboarded.

13. How does the platform get to know the status of a UPI collection?

Decentro triggers a transaction status callback Transaction Status] to a pre-configured endpoint after the payment link/collect request is approved or rejected by the payer. In addition, Decentro also provides a Status Check] capability to check the status of a collection.

14. How do UPI deep links differ from generic payment links?

UPI deep links have a protocol for the key UPI apps which can be used by the platform to display the same on their app and the payer can choose to pay from a specific app. A generic payment link, however, allows the payer to choose the app of their choice to pay from.

15. What is the meaning if a payment link status is 'Pending'?

Decentro passes back the status of a collection as 'Pending' in the Check Payment Status API if the link or collect request is not authorized by the payer.

16. Does Decentro trigger a callback if the platform uses the Status check capability?

Decentro triggers a transaction status callback and account balance callback to the configured endpoints if a status check is done after the callback is triggered.

17. What is the minimum amount that can be deducted via UPI?

The minimum amount to use UPI collections API is INR 5. Amount less than INR 5 will not be supported either in payment link or collection request.


The FAQs in this sub-section pertain to the ENACH module.

1. Who can use NACH for payments?

Any Indian business entity can use NACH to facilitate recurring payments from its customers, vendors or any other player in their business ecosystem.

2. What are the benefits of using NACH for payments?

NACH-based payments are very convenient when you expect to collect payments frequently over a long period of time, either at specified intervals or Adhoc for specific scenarios. Customers do not need to approve a transaction every time

3. What are the primary use cases for NACH-based payments?

NACH-based payments are extremely convenient in facilitating recurring payments like EMIs, subscriptions, expenses, etc. NACH settlement takes 1-2 working days but has higher amounts compared to UPI transactions.

4. What is the process flow for NACH-based payments?

NACH requires a customer (business or individual) to authorize a mandate digitally or physically one time by providing bank account details. Once the registration is successful, the platform can collect payments into their account.

5. How can NACH mandate be set up?

NACH mandates can be set up digitally if the customer’s bank is supported using either a Debit Card or Netbanking. Alternatively, the customer can authorize a mandate form offline by signing as per bank records.

6. What is the difference in the types of NACH mandates?

ENACH, also known as digital mandates is done via API and facilitated fully digitally at the time of registration. Physical NACH on the other hand requires the customers to sign the NACH form.

7. What is the maximum amount that can be deducted via NACH?

The maximum amount that can be debited via a single presentation depends on the amount and the frequency of the mandate registered. However, if the amount to be debited is higher than the registered amount, multiple presentations can be done.

ENACH supports maximum registration up to 10L and physical NACH supports up to 10CR.

8. Is NACH supported by all Banks?

NACH as such is supported by ALL banks that operate a payment system in India. You can find the list of banks supported here.

However, ENACH is supported by a specific set of banks ONLY. The list of banks live and at different stages of integration with NPCI can be found here.

9. What is the benefit of ENACH over physical NACH?

ENACH supports the very quick confirmation of registration and does not require any manual intervention like a physical NACH. In most banks’ cases, a mandate is confirmed within 1 hour.

10. How do we handle Adhoc presentations using NACH?

NACH - be it physical or ENACH allows the platform to set up payments with predefined frequency or Ad Hoc. By setting the frequency to Adhoc, the platform can present a mandate as per the business requirements.

11. Can the ENACH mandate be set up on business accounts?

Yes. Most banks accept ENACH where the current account is not owned by a company or is not a 2-FA account.

12. Does the platform need to open a new bank account?

No. We have partnered with a leading private-sector Bank and you can piggyback on Decentro’s utility code to collect payments. However, if you prefer to have the collections done directly to your account, you will need to set up a bank account with the banking partners Decentro supports.

13. Can NACH facilitate instant settlements?

No. NACH, unlike UPI or IMPS, is designed to facilitate recurring payments of higher value. It takes 1 working day for the payments to reflect in the credit account.

14. Can NACH registration fail for any reason?

Yes. ENACH registration can fail for many reasons like invalid account information, insufficient balance, blocked account, etc.

Physical NACH registration primarily fails due to a signature mismatch between the mandate form and the bank account.

15. What happens to the funds when a transaction "Fails" after the presentation was completed?

For all failed transactions, the amount is not settled with our Banking provider. In such cases, it is the responsibility of the Remitter bank to refund the amount to the customer.

16. What happens to a transaction when it is in a "Pending" state for more than 24 hrs?

Ideally, the pending status gets resolved within 24 hours. If you encounter such scenarios where transactions are in the pending state even after 24 hours, do not worry, please reach out to [email protected] with the transaction details.

Also, please note that the ‘Get Transaction Status’ API will not be able to update the status from the bank post 90 days of the transaction entry. It will basically get frozen and can only be updated post a manual check with the bank over email.