Penny Pull Intent Flow

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


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 intent flow is very helpful in scenarios where the platform doesn't have the payer's VPA handy or wants to provide the payer the flexibility of paying from any UPI app of their choice. This flow also works very well where the platform is integrating this API on their mobile app or mobile based flows where UPI apps are available.


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

  • Create Link: this step requires the platform to create a penny pull intent link, providing the shortened link with 1 INR using the Create Intent API.
  • Customer action: this step requires the payer/user to authorize the shared link on a UPI App of choice installed on the device or scan the QR code and enter a valid PIN.
  • Status callback: this step will result in the platform receiving the 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 platform collects within 2 working days of a successful collection at its end. No action is expected from the platform regarding this.