Penny Pull Collect Flow

This page gives you an overview of Decentro's VPA penny pull/reverse penny drop capabilities through the collect flow.


Please note that this flow is under development and will be released soon.


Decentro's penny pull/reverse penny drop capability can be leveraged by completing the prerequisites below.

  • Merchant Onboarding: This step would require the platform to submit documents to obtain relevant details, such as VPA, from its bank partner.
  • Callback configuration: This step requires the platform to submit a valid endpoint to acknowledge the callback triggered by Decentro.
  • Commission setup: this step would require the platform to load the funds into a virtual account shared by Decentro for the charges.

The collect flow is very helpful when the platform has the payer's VPA handy or wants the payer to authorize the payment from a specific VPA (UPI handle). This flow also works very well when the platform is integrating this API on their web/laptop-based flows where a UPI app cannot be opened directly.


Decentro's penny pull/reverse penny drop capability can be leveraged through the collect flow as below.

  • Create Request: this step requires the platform to create a penny pull collect request by passing the VPA where the user has an account of 1 INR.
  • Customer action: this step requires the payer/user to authorize the shared link on the UPI App where the VPA is available and enter a valid PIN.
  • Status callback: this step will result in the platform receiving a Transaction status callback on the endpoint shared by the platform at the time of onboarding.
  • Status check: this step entails the platform manually checking the status of a link by using the URN passed by Decentro in the create link step using the Get Transaction Status API.

Decentro reverses the 1 INR the user collects within 2 working days of a successful collection at its end. No action is expected from the platform regarding this.