---
page_title: Set/Reset MPIN
product: UPI TPAP SDK
platform: Android
page_source: https://juspay.io/in/docs/upi-tpap-sdk/android/headless-process-payloads/set-reset-mpin
llms_txt: https://juspay.io/in/docs/llms.txt
product_llms_txt: https://juspay.io/in/docs/upi-tpap-sdk/llms.txt
---


## Set/Reset MPIN



The merchant can call this API to allow a customer to set/reset their Bank/Credit Account MPIN via respective Debit card/ Credit card/ Aadhaar OTP flow as applicable.

For **Aadhaar OTP flow,**  a prior [Get Accounts](https://juspay.io/in/docs/upi-tpap-direct-sdk/android/headless-process-payloads/get-accounts#Get-Accounts) call will have to be done with additional parameter aadhaarConsent as true after taking user’s consent on set Mpin screen. In response of the same if aadhaarEnabled parameter is true, then only allow user to set Mpin via Aadhaar flow based on the first 6 digit’s of Aadhaar entered by user.


###   Process Parameters



## Request Payload
- **RequestId**:
  - Description: Unique uuid-v4 string
  - Value: Example: abcd-12345-abcd-12345
  - Tags: String, Mandatory
- **Service**:
  - Description: Value: in.juspay.hyperapi
  - Tags: String, Mandatory
- **Payload**:
  - Description: Parameters required to call Hyper SDK API
  - Value:
    - **Action**:
      - Description: Action to be performed on SDK
      - Value: upiSetMpin
      - Tags: String, Mandatory
    - **CustomerVpa**:
      - Description: VPA of the customer linked to account
      - Tags: String, Mandatory
    - **Card**:
      - Description: The last 6 digits of customer's card
      - Tags: String, Mandatory
    - **AadhaarNo**:
      - Description: First six digits of customer's Aadhaar number. Applicable for set Mpin via Aadhaar OTP Flow
      - Value: Example: 111122
      - Tags: String, Optional
    - **AadhaarConsent**:
      - Description: Aadhar Consent either be True or False
      - Value: True/false
      - Tags: String, Optional
    - **GetCardDetailsInCL**:
      - Description: Enter Card Details in CL screen
      - Tags: Boolean, Optional
    - **Expiry**:
      - Description: Expiry date for the customer's card
      - Tags: String, Mandatory
    - **UpiRequestId**:
      - Description: Unique identifier (uuid) for the request sent to NPCI
      - Tags: String, Mandatory
    - **AccountReferenceId**:
      - Description: Unique Identifier for the account for which Mpin is to be set
      - Tags: String, Mandatory
  - Tags: JSON, Mandatory


## Response Payload
- **RequestId**:
  - Description: Unique uuid-v4 string
  - Value: Example: abcd-12345-abcd-12345
  - Tags: String
- **Service**:
  - Description: Value: in.juspay.hyperapi
  - Tags: String
- **Payload**:
  - Description: Response Parameters
  - Value:
    - **Action**:
      - Description: Action performed on SDK.
      - Value: upiSetMpin
      - Tags: String, Mandatory
    - **BankAccountUniqueId**:
      - Description: Unique Identifier for bank account across banks
      - Tags: String, Mandatory
    - **AccountReferenceId**:
      - Description: Unique Identifier for the account for which mpin is to be set
      - Tags: String, Mandatory
    - **BankCode**:
      - Description: IIN Code for the bank
      - Tags: String, Mandatory
    - **CustomerMobileNumber**:
      - Description: masked phone number of the customer
      - Value: <Customer mobile number>
      - Tags: String, Mandatory
    - **CustomerVpa**:
      - Description: Unique Identifier for the account for which mpin is to be set
      - Tags: String, Mandatory
    - **MaskedAccountNumber**:
      - Description: Account Number with last few digits visible
      - Tags: String, Mandatory
    - **Status**:
      - Description: Status of the API
      - Value: SUCCESS/FAILURE
      - Tags: String, Mandatory
    - **GatewayResponseCode**:
      - Description: Response Code received from NPCI
      - Tags: String, Mandatory
    - **GatewayResponseMessage**:
      - Description: Response message received from NPCI
      - Tags: String, Mandatory
    - **OtherInfo**:
      - Description: As passed in request
      - Tags: String, Optional
  - Tags: JSON
- **Error**:
  - Description: Possible values :- true/false
  - Tags: Boolean
- **ErrorMessage**:
  - Description: Error Message
  - Tags: String
- **ErrorCode**:
  - Description: Error Code
  - Tags: String
- **Event**:
  - Description: Value: process_result
  - Tags: String





#### Code Snippets: -

#### Java Code Snippet:

```java
{
  "requestId": "f7443c1d-9acb-4b3d-9ae5-0e3c33dfcf5b",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiSetMpin",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
    "customerVpa": "<Customer VPA>",
    "card": "123456",
    "upiRequestId": "<UPI Request Id>",
    "accountReferenceId": "<Account Reference Id>",
    "expiry": "MMYY",
    "aadhaarNo":"111122",
    "aadhaarConsent":"true"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>" 
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}
```

#### Kotlin Code Snippet:

```kotlin
{
  "requestId": "f7443c1d-9acb-4b3d-9ae5-0e3c33dfcf5b",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiSetMpin",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
    "customerVpa": "<Customer VPA>",
    "card": "123456",
    "upiRequestId": "<UPI Request Id>",
    "accountReferenceId": "<Account Reference Id>",
    "expiry": "MMYY",
    "aadhaarNo":"111122",
    "aadhaarConsent":"true"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>" 
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}
```


## Sample Code Snippets:
### Request snippets:

#### Request Code Snippet:

```request
// block:start:setMpinReqH
{
  "requestId": "f7443c1d-9acb-4b3d-9ae5-0e3c33dfcf5b",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiSetMpin",
    "customerVpa": "<Customer VPA>",
    "card": "123456",
    "upiRequestId": "<UPI Request Id>",
    "accountReferenceId": "<Account Reference Id>",
    "expiry": "MMYY",
    "aadhaarNo":"111122",
    "aadhaarConsent":"true"
  }
}

//block:end:setMpinReqH

// block:start:setMpinRespH

{
  "requestId": "<request id passed>",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiSetMpin",
    "status": "SUCCESS" / "FAILURE",
    "bankAccountUniqueId": "<Bank Account Unique Id>",
    "accountReferenceId": "<Account Reference Id>",
    "bankCode": "11111",
    "customerMobileNumber": "XXXX7890",
    "customerVpa": "something@handle",
    "maskedAccountNumber": "XXXX203891",
    "gatewayResponseCode": "",
    "gatewayResponseMessage": ""
  },
  "error": false,
  "errorMessage": "",
  "errorCode": "",
  "event": "process_result"
}

// block:end:setMpinRespH

// block:start:MandateTxnListReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "f9432fad-a575-451a-956c-3369a6ff6b01",
  "payload": {
    "endDate": "2023/10/12",
    "startDate": "2023/05/12",
    "action": "upiListMandateTxns",
    "signaturePayload": "<signaturePayload>"
    "signature": "EDe...==",
    "limit": "100",
    "offset": "0",
    "merchantKeyId": "12345",
    "umn": "dbc834512aa446469f3b93f5493997c7@abcdef"
  }
}

"signaturePayload": {
  "merchant_id": "stock",
  "customer_id": "1234567",
  "timestamp": "234562345"
}
// block:end:MandateTxnListReqH

// block:start:MandateTxnListRespH

{  
  "service": "in.juspay.hyperapi", 
  "requestId": "adf6ad79-70c0-49ca-98bb-a04ead12cc0f", 
  "payload": {
        "action": "upiListMandateTxns",
        "mandateTxnList": [
          {
            "amount": "249.00",
            "bankAccountUniqueId": "33ebb594583d2fd30f9afada683a84fbd15cbae9489c6dd7c9430e63dc7656ad",
            "bankCode": "175009",
            "expiry": "2024-04-01T21:14:59+05:30",
            "gatewayReferenceId": "409235036858",
            "gatewayResponseCode": "00",
            "gatewayResponseMessage": "Your transaction is successful",
            "gatewayTransactionId": "ABCe5023c23b0634b52a1cb10a50b0555a5",
            "maskedAccountNumber": "653034XXXXXXXX84",
            "payeeName": "XYZ",
            "payeeVpa": "abcd@xyz",
            "payerMobileNumber": "8888888888",
            "payerName": "ABCD",
            "payerVpa": "dbc834512aa446469f3b93f5493997c7@abcdef",
            "remarks": "transaction",
            "seqNumber": "1",
            "transactionTimestamp": "2024-04-01T20:44:59+05:30",
            "umn": "dbc834512aa446469f3b93f5493997c7@abcdef"
          }
        ],
        "otherInfo": "{}",
        "responseCode": "SUCCESS",
        "responseMessage": "SUCCESS",
        "status": "SUCCESS"
    }, 
  "event": "process_result",
  "errorMessage": "", 
  "errorCode": "", 
  "error": false 
}

// block:end:MandateTxnListRespH



// block:start:liteTransferOutReqH

{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiLiteTransferOut",
    "accountReferenceId": "Ace797b05c1d453ca3b0d060695192",
    "amount": "20.00",
    "upiRequestId": "YJP1234567890qwsjpasdfghjk1234",
    "signature": "<Generated signature for signature payload>",
    "signaturePayload": "<Stringified signature payload used for signature generation>",
    "merchantKeyId": "<Merchant Key Id>",
  }
}

// block:end:liteTransferOutReqH

// block:start:liteTransferOutRespH

{
  "service": "in.juspay.hyperapi",
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "payload": {
    "transactionTimestamp": "2025-04-16T15:26:29+05:30",
    "status": "SUCCESS",
    "payType": "P2P_PAY",
    "merchantRequestId": "792c25a63ee648e18e6b2fae4d68f2aa",
    "maskedAccountNumber": "693834XXXXXXXX48",
    "gatewayTransactionId": "YJP1234567890qwsjpasdfghjk1234",
    "gatewayResponseMessage": "Your transaction is successful",
    "gatewayResponseCode": "00",
    "gatewayReferenceId": "510600051249",
    "customerVpa": "XXXXXXXXXX@ypay",
    "customerMobileNumber": "917123456787",
    "bankCode": "500007",
    "bankAccountUniqueId": "71f6a99bc0921fdd3ee35c158158e2e73f431b9d96897174ecd92b121d575a1d",
    "amount": "20.00",
    "action": "upiLiteTransferOut",
    "udfParameters": "{}",
    },
  "event": "process_result",
  "errorMessage": "",
  "errorCode": "",
  "error": false
}

// block:end:liteTransferOutRespH

// block:start:liteTransferOutReqH1

{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiLiteTransferOut",
    "accountReferenceId": "Ace797b05c1d453ca3b0d060695192",
    "amount": "20.00",
    "upiRequestId": "YJP1234567890qwsjpasdfghjk1234",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:liteTransferOutReqH1

// block:start:listEmiReqH1
{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": { 
    "action" : "upiListEmi",
    "upiRequestId" : "YJP1234567890qwsjpasdfghjk1234",
    "startDate" : "2025-07-01",          
    "endDate" : "2025-10-01",             
    "accountRefId" : "Ace797b05c1d453ca3b0d060695192"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}
// block:end:listEmiReqH1

// block:start:listEmiRespH
{
    "service": "in.juspay.hyperapi",
    "requestId": "0963e101-e813-4b33-80bc-9736b572a2db",
    "payload": {
        "status": "SUCCESS",
        "emiList": [
            {
                "totalAmt": "4",
                "tenure": "6",
                "seqNum": "12345",
                "selectEmiUpiReqId": "YJPa008008sd00648708952910b83399969",
                "procFee": "6",
                "payeeVpa": "swiggytest@ypay",
                "payeeName": "JUSPAY_TEST",
                "offerId": "3456",
                "mcc": "5812",
                "maskedAccountNumber": "857775XXXXXXXX9",
                "intRatePct": "2",
                "intRateAmt": "3",
                "emiId": "1234",
                "discountAmt": "0",
                "bankCode": "000000",
                "amount": "8000",
                "accountReferenceId": "Ad4dcc81345c45a1a1fa92a52f4d67"
            }
        ],
        "action": "upiListEmi"
    },
    "event": "process_result",
    "errorMessage": "",
    "errorCode": "",
    "error": false
}
// block:end:listEmiRespH


// block:start:selectemiReqH2
{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": { 
    "action" : "upiSelectEmi",
    "emiTxnType" : "POST"
    "originalTxnUpiRequestId" : "YJP1234567890qwsjpasdfghjk1234",
    "checkEmiUpiRequestId" : "YJPr4r4r467890qwsjpasdfghjk1234",
    "originalTxnAmt" : "1000.00",
    "originalTxnTs" : "1750397231000",
    "customerVpa" : "xxx@ypay",
    "payeeVpa" : "swiggytest@ypay",
    "mcc" : "5812",           
    "accountReferenceId" : "Ace797b05c1d453ca3b0d060695192"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}


// block:end:selectemiReqH2


// block:start:selectemiRespH2

{
  "error": 0,
  "errorCode": "",
  "errorMessage": "",
  "event": "process_result",
  "payload": {
    "action": "upiSelectEmi",
    "gatewayResponseCode": "00",
    "gatewayResponseMessage": "Your Select EMI call is successful.",
    "gatewayResponseStatus": "SUCCESS",
    "status": "SUCCESS"
  },
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi"
}

// block:end:selectemiRespH2


// block:start:upiCheckEmiReqH
{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiCheckEmi", 
    "upiRequestId": "YJP1234567890qwsjpasdfghjk1234", 
    "emiTxnType": "FORECLOSE",                      
    "originalTxnUpiRequestId": "TXNef1a2908395239df56663244f8c7deed", 
    "originalTxnAmt": "10000.00",
    "originalTxnTs": "2023-10-07T17:57:49+05:30",
    "customerVpa": "vpa@handle",
    "accountReferenceId": "Ace797b05c1d453ca3b0d060695192", 
    "payeeVpa": "vpa@handle", 
    "mcc": "6540",
    "forecloseEmiId": "Ahask1a2908395239df56663244f8c7deef",           
    "udfParameters": "{}",
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:upiCheckEmiReqH


// block:start:upiCheckEmiRespH
{
  "service": "in.juspay.hyperapi",
  "requestId": "0963e101-e813-4b33-80bc-9736b572a2db",
  "payload": {
    { "action": "upiCheckEmi",
      "status": "SUCCESS" ,
      "gatewayResponseStatus": "SUCCESS" ,
      "gatewayResponseCode": "00",
      "gatewayResponseMessage": "Your Check EMI call is successful.",
      "gatewayTransactionId": "TXNef1a2908395239df56663244f8c7deaa",
      "termsConditions": "www.termsConditions/emi/2",
      "emiLimitAmount": "",
      "emiOfferDetails": [
       {
         "seqNum": "",
         "offerId": "", 
         "tenure": "",
         "amount": "" ,
         "intRatePct": "" ,
         "intRateAmt": "" ,
         "totalAmt": "",
         "discountAmt": "" ,
         "procFee": "" 
      }
    ],
      "foreCloseDetails": {
        "forecloseAmt": "100.00",
        "penaltyAmt": "1000.00",
        "principalAmt": "10000.00",
        "intRatePct": "10.00"
       },
     "udfParameters": "{}"
    },
  "event": "process_result",
  "errorMessage": "",
  "errorCode": "",
  "error": false
  }
}

// block:end:upiCheckEmiRespH







```

### Response snippets:

#### Response:
```plaintext
// block:start:setMpinReqH
{
  "requestId": "f7443c1d-9acb-4b3d-9ae5-0e3c33dfcf5b",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiSetMpin",
    "customerVpa": "<Customer VPA>",
    "card": "123456",
    "upiRequestId": "<UPI Request Id>",
    "accountReferenceId": "<Account Reference Id>",
    "expiry": "MMYY",
    "aadhaarNo":"111122",
    "aadhaarConsent":"true"
  }
}

//block:end:setMpinReqH

// block:start:setMpinRespH

{
  "requestId": "<request id passed>",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiSetMpin",
    "status": "SUCCESS" / "FAILURE",
    "bankAccountUniqueId": "<Bank Account Unique Id>",
    "accountReferenceId": "<Account Reference Id>",
    "bankCode": "11111",
    "customerMobileNumber": "XXXX7890",
    "customerVpa": "something@handle",
    "maskedAccountNumber": "XXXX203891",
    "gatewayResponseCode": "",
    "gatewayResponseMessage": ""
  },
  "error": false,
  "errorMessage": "",
  "errorCode": "",
  "event": "process_result"
}

// block:end:setMpinRespH

// block:start:MandateTxnListReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "f9432fad-a575-451a-956c-3369a6ff6b01",
  "payload": {
    "endDate": "2023/10/12",
    "startDate": "2023/05/12",
    "action": "upiListMandateTxns",
    "signaturePayload": "<signaturePayload>"
    "signature": "EDe...==",
    "limit": "100",
    "offset": "0",
    "merchantKeyId": "12345",
    "umn": "dbc834512aa446469f3b93f5493997c7@abcdef"
  }
}

"signaturePayload": {
  "merchant_id": "stock",
  "customer_id": "1234567",
  "timestamp": "234562345"
}
// block:end:MandateTxnListReqH

// block:start:MandateTxnListRespH

{  
  "service": "in.juspay.hyperapi", 
  "requestId": "adf6ad79-70c0-49ca-98bb-a04ead12cc0f", 
  "payload": {
        "action": "upiListMandateTxns",
        "mandateTxnList": [
          {
            "amount": "249.00",
            "bankAccountUniqueId": "33ebb594583d2fd30f9afada683a84fbd15cbae9489c6dd7c9430e63dc7656ad",
            "bankCode": "175009",
            "expiry": "2024-04-01T21:14:59+05:30",
            "gatewayReferenceId": "409235036858",
            "gatewayResponseCode": "00",
            "gatewayResponseMessage": "Your transaction is successful",
            "gatewayTransactionId": "ABCe5023c23b0634b52a1cb10a50b0555a5",
            "maskedAccountNumber": "653034XXXXXXXX84",
            "payeeName": "XYZ",
            "payeeVpa": "abcd@xyz",
            "payerMobileNumber": "8888888888",
            "payerName": "ABCD",
            "payerVpa": "dbc834512aa446469f3b93f5493997c7@abcdef",
            "remarks": "transaction",
            "seqNumber": "1",
            "transactionTimestamp": "2024-04-01T20:44:59+05:30",
            "umn": "dbc834512aa446469f3b93f5493997c7@abcdef"
          }
        ],
        "otherInfo": "{}",
        "responseCode": "SUCCESS",
        "responseMessage": "SUCCESS",
        "status": "SUCCESS"
    }, 
  "event": "process_result",
  "errorMessage": "", 
  "errorCode": "", 
  "error": false 
}

// block:end:MandateTxnListRespH



// block:start:liteTransferOutReqH

{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiLiteTransferOut",
    "accountReferenceId": "Ace797b05c1d453ca3b0d060695192",
    "amount": "20.00",
    "upiRequestId": "YJP1234567890qwsjpasdfghjk1234",
    "signature": "<Generated signature for signature payload>",
    "signaturePayload": "<Stringified signature payload used for signature generation>",
    "merchantKeyId": "<Merchant Key Id>",
  }
}

// block:end:liteTransferOutReqH

// block:start:liteTransferOutRespH

{
  "service": "in.juspay.hyperapi",
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "payload": {
    "transactionTimestamp": "2025-04-16T15:26:29+05:30",
    "status": "SUCCESS",
    "payType": "P2P_PAY",
    "merchantRequestId": "792c25a63ee648e18e6b2fae4d68f2aa",
    "maskedAccountNumber": "693834XXXXXXXX48",
    "gatewayTransactionId": "YJP1234567890qwsjpasdfghjk1234",
    "gatewayResponseMessage": "Your transaction is successful",
    "gatewayResponseCode": "00",
    "gatewayReferenceId": "510600051249",
    "customerVpa": "XXXXXXXXXX@ypay",
    "customerMobileNumber": "917123456787",
    "bankCode": "500007",
    "bankAccountUniqueId": "71f6a99bc0921fdd3ee35c158158e2e73f431b9d96897174ecd92b121d575a1d",
    "amount": "20.00",
    "action": "upiLiteTransferOut",
    "udfParameters": "{}",
    },
  "event": "process_result",
  "errorMessage": "",
  "errorCode": "",
  "error": false
}

// block:end:liteTransferOutRespH

// block:start:liteTransferOutReqH1

{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiLiteTransferOut",
    "accountReferenceId": "Ace797b05c1d453ca3b0d060695192",
    "amount": "20.00",
    "upiRequestId": "YJP1234567890qwsjpasdfghjk1234",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:liteTransferOutReqH1

// block:start:listEmiReqH1
{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": { 
    "action" : "upiListEmi",
    "upiRequestId" : "YJP1234567890qwsjpasdfghjk1234",
    "startDate" : "2025-07-01",          
    "endDate" : "2025-10-01",             
    "accountRefId" : "Ace797b05c1d453ca3b0d060695192"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}
// block:end:listEmiReqH1

// block:start:listEmiRespH
{
    "service": "in.juspay.hyperapi",
    "requestId": "0963e101-e813-4b33-80bc-9736b572a2db",
    "payload": {
        "status": "SUCCESS",
        "emiList": [
            {
                "totalAmt": "4",
                "tenure": "6",
                "seqNum": "12345",
                "selectEmiUpiReqId": "YJPa008008sd00648708952910b83399969",
                "procFee": "6",
                "payeeVpa": "swiggytest@ypay",
                "payeeName": "JUSPAY_TEST",
                "offerId": "3456",
                "mcc": "5812",
                "maskedAccountNumber": "857775XXXXXXXX9",
                "intRatePct": "2",
                "intRateAmt": "3",
                "emiId": "1234",
                "discountAmt": "0",
                "bankCode": "000000",
                "amount": "8000",
                "accountReferenceId": "Ad4dcc81345c45a1a1fa92a52f4d67"
            }
        ],
        "action": "upiListEmi"
    },
    "event": "process_result",
    "errorMessage": "",
    "errorCode": "",
    "error": false
}
// block:end:listEmiRespH


// block:start:selectemiReqH2
{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": { 
    "action" : "upiSelectEmi",
    "emiTxnType" : "POST"
    "originalTxnUpiRequestId" : "YJP1234567890qwsjpasdfghjk1234",
    "checkEmiUpiRequestId" : "YJPr4r4r467890qwsjpasdfghjk1234",
    "originalTxnAmt" : "1000.00",
    "originalTxnTs" : "1750397231000",
    "customerVpa" : "xxx@ypay",
    "payeeVpa" : "swiggytest@ypay",
    "mcc" : "5812",           
    "accountReferenceId" : "Ace797b05c1d453ca3b0d060695192"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}


// block:end:selectemiReqH2


// block:start:selectemiRespH2

{
  "error": 0,
  "errorCode": "",
  "errorMessage": "",
  "event": "process_result",
  "payload": {
    "action": "upiSelectEmi",
    "gatewayResponseCode": "00",
    "gatewayResponseMessage": "Your Select EMI call is successful.",
    "gatewayResponseStatus": "SUCCESS",
    "status": "SUCCESS"
  },
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi"
}

// block:end:selectemiRespH2


// block:start:upiCheckEmiReqH
{
  "requestId": "19d7fa5f-24b9-4864-a659-147ca57918b4",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiCheckEmi", 
    "upiRequestId": "YJP1234567890qwsjpasdfghjk1234", 
    "emiTxnType": "FORECLOSE",                      
    "originalTxnUpiRequestId": "TXNef1a2908395239df56663244f8c7deed", 
    "originalTxnAmt": "10000.00",
    "originalTxnTs": "2023-10-07T17:57:49+05:30",
    "customerVpa": "vpa@handle",
    "accountReferenceId": "Ace797b05c1d453ca3b0d060695192", 
    "payeeVpa": "vpa@handle", 
    "mcc": "6540",
    "forecloseEmiId": "Ahask1a2908395239df56663244f8c7deef",           
    "udfParameters": "{}",
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:upiCheckEmiReqH


// block:start:upiCheckEmiRespH
{
  "service": "in.juspay.hyperapi",
  "requestId": "0963e101-e813-4b33-80bc-9736b572a2db",
  "payload": {
    { "action": "upiCheckEmi",
      "status": "SUCCESS" ,
      "gatewayResponseStatus": "SUCCESS" ,
      "gatewayResponseCode": "00",
      "gatewayResponseMessage": "Your Check EMI call is successful.",
      "gatewayTransactionId": "TXNef1a2908395239df56663244f8c7deaa",
      "termsConditions": "www.termsConditions/emi/2",
      "emiLimitAmount": "",
      "emiOfferDetails": [
       {
         "seqNum": "",
         "offerId": "", 
         "tenure": "",
         "amount": "" ,
         "intRatePct": "" ,
         "intRateAmt": "" ,
         "totalAmt": "",
         "discountAmt": "" ,
         "procFee": "" 
      }
    ],
      "foreCloseDetails": {
        "forecloseAmt": "100.00",
        "penaltyAmt": "1000.00",
        "principalAmt": "10000.00",
        "intRatePct": "10.00"
       },
     "udfParameters": "{}"
    },
  "event": "process_result",
  "errorMessage": "",
  "errorCode": "",
  "error": false
  }
}

// block:end:upiCheckEmiRespH







```



---

## Complete Code Reference

The following code files are referenced in the steps above:

### processTpapDirect.txt

```
// block:start:sessionTokenReqH

{
  "requestId": "f7443c1d-9acb-4b3d-9ae5-0e3c33dfcf5b",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiGetSessionToken",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" 
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:sessionTokenReqH

// block:start:bindActivateDeviceReqH

{
  "requestId": "f7443c1d-9acb-4b3d-9ae5-0e3c33dfcf5b",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiBindActivateDevice",
    "simId": "<simid>",
    "isBindAndActivateRequest": true,
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" 
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "customerMobileNumber": "919876543210"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:bindActivateDeviceReqH

// block:start:setMpinReqH

{
  "requestId": "f7443c1d-9acb-4b3d-9ae5-0e3c33dfcf5b",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiSetMpin",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
    "customerVpa": "<Customer VPA>",
    "card": "123456",
    "upiRequestId": "<UPI Request Id>",
    "accountReferenceId": "<Account Reference Id>",
    "expiry": "MMYY",
    "aadhaarNo":"111122",
    "aadhaarConsent":"true"
  }
}

"signaturePayload": {
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848",
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>" 
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:setMpinReqH

// block:start:payRequestH

{
  "requestId": "79fc93aa-2d98-49c9-bbb1-2beaafd4f3b6",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiTxn",
    "accountRefId": "<Account Reference Id>",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantCustomerId": "12345",
  "merchantChannelId": "<stock>",
  "timestamp": "1668389349848",
  "merchantRequestId": "<stock>",
  "merchantVpa": "<Merchant VPA>",
  "amount": "200.00",
  "metadata.<issuing_psp>:gatewayReferenceId" : "ABC123",
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:payRequestH

// block:start:p2pCreateMandateReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "c7f8995c-679d-4ff4-8b55-a1b0a3f227a4",
  "payload": {
    "validityStart": "2022/06/11",
    "validityEnd": "2023/05/15",
    "upiRequestId": "<UPI Request Id>",
    "transactionType": "INTENT_MANDATE",
    "transactionReference": "1234567890",
    "timestamp": "1656567717539.0",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
    "recurrenceValue": "2",
    "recurrenceRule": "BEFORE",
    "recurrencePattern": "WEEKLY",
    "recipientName": "ABC",
    "purpose": "14",
    "payerVpa": "<Payer VPA>",
    "payeeVpa": "<Payee VPA>",
    "mcc": "1234",
    "mandateName": "ABC",
    "initiationMode": "02",
    "initiatedBy": "PAYER",
    "currency": "INR",
    "blockFund": "false",
    "bankAccountUniqueId": "<bankAccountUniqueId>",
    "amountRule": "EXACT",
    "amount": "3000.00",
    "accountReferenceId": "Ace797b05c1d453ca3b0d060695192",
    "action": "upiCreateMandate"
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantCustomerId": "12345",
  "merchantChannelId": "<stock>",
  "timestamp": "1668389349848",
  "amount": "3000.00",
  "metadata.<issuing_psp>:mandateName": "metadata.YES_BIZ:ABC", 
  "options.createMandate": "REQUIRED",
  "mandate.maxAmount": "2000.00",
  "mandate.amountRule": "FIXED",
  "mandate.frequency": "MONTHLY",
  "mandate.startDate": "166674893389237",
  "mandate.endDate": "16667389373820323",
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:p2pCreateMandateReqH

// block:start:sendMoneyReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "f9432fad-a575-451a-956c-3369a6ff6b01",
  "payload": {
    "timestamp": "1639168893633",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
    "remarks": "<Remarks>",
    "payeeVpa": "<Payee VPA>",
    "payeeName": "<Payee name>",
    "payType": "P2P_PAY",
    "customerVpa": "<Customer VPA>",
    "amount": "5.00",
    "accountReferenceId": "<Account Reference Id",
    "upiRequestId": "<UPI Request Id>",
    "action": "upiSendMoney",
    "clAuthMode": “MPIN"/“BIOMETRICS”,
    "refUrl": "www.google.com"
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1668389349848"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}
// block:end:sendMoneyReqH

// block:start:requestMoneyReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "9863bf03-cd26-4fe0-9b71-1200bc7e5506",
  "payload": {
    "action": "upiRequestMoney",
    "accountReferenceId": "<Account Reference ID>",
    "upiRequestId": "<UPI Request Id>",
    "timestamp": "1639129434233",
    "remarks": "pa",
    "payerName": "ABC",
    "payerVpa": "<Payer VPA>",
    "collectRequestExpiryMinutes": "2",
    "customerVpa": "<Customer VPA>",
    "amount": "100.00",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1639129434233",
  "amount": "100.00",
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}
// block:end:requestMoneyReqH

// block:start:listTransactionsReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "693e4b2c-55af-42c0-85a9-a97972e2906f",
  "payload": {
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
    "limit": "100",
    "offset": "0",
    "action": "upiTransactionList",
    "startDate": "2025-07-13",
    "endDate": "2025-07-16",
    "accountTypes": [
      "SAVINGS",
      "CREDIT"
    ],
    "status": [
      "FAILURE",
      "PENDING",
      "SUCCESS"
    ]
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1639147293629"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:listTransactionsReqH

// block:start:transactionStatusReqH

{
  "requestId": "f7443c1d-9acb-4b3d-9ae5-0e3c33dfcf5b",
  "service": "in.juspay.hyperapi",
  "payload": {
    "action": "upiTxnStatus",
    "upiRequestId": "<UPI Request Id>",
    "vpa": "<VPA>",
    "transactionType": "CUSTOMER_DEBITED_VIA_PAY",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1639147293629"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:transactionStatusReqH

// block:start:raiseComplaintReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "095fa47e-b528-457d-8310-faece4c37814",
  "payload": {
    "action": "upiComplaintRaise",
    "upiRequestId": "<UPI Request Id>",
    "originalUpiRequestId": "<Original UPI Request Id>",
    "remarks": "<Remarks>",
    "adjAmount": "0.50",
    "adjFlag": "PBRB",
    "adjCode": "U010",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1641533238616"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:raiseComplaintReqH

// block:start:listPendingComplaintReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "095fa47e-b528-457d-8310-faece4c37814",
  "payload": {
    "action": "upiListPendingComplaints",
    "limit": 100,
    "offset": 0,
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
  }
  }


"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1641533238616"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:listPendingComplaintReqH

// block:start:complaintStatusReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "095fa47e-b528-457d-8310-faece4c37814",
  "payload": {
    "action": "upiComplaintStatus",
    "originalUpiRequestId": "<Original UPI Request Id>",
    "originalTransactionUpiRequestId": "<original Transaction UPI Request Id>",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1641533238616"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}
// block:end:complaintStatusReqH

// block:start:collectApproveReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "96ad03b7-c298-4702-9257-83ce9225485d",
  "payload": {
    "upiRequestId": "<UPI Request ID>",
    "timestamp": "1639168104341",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
    "payeeVpa": "<Payee VPA",
    "customerVpa": "<Customer vpa>",
    "amount": "1.00",
    "accountReferenceId": "<Account Reference ID",
    "action": "upiPayCollect",
    "clAuthMode": “MPIN"/“BIOMETRICS”
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1639167811935",
  "amount": "5.00",
  "currency": "INR"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}
// block:end:collectApproveReqH

// block:start:collectDeclineReqH

{
  "service": "in.juspay.hyperapi",
  "requestId": "693e4b2c-55af-42c0-85a9-a97972e2906f",
  "payload": {
    "upiRequestId": "<UPI Request ID>",
    "timestamp": "1639168319187",
    "signaturePayload": "<Base 64 encoding of stringified signature payload>",
    "protected": "<Base 64 encoding of Stringified protected payload>",
    "signature": "<Base 64 encoding of signaturePayload and Protected>" ,
    "payeeVpa": "<Payee VPA>",
    "payeeName": "<Payee name>",
    "customerVpa": "<Customer VPA>",
    "amount": "5.00",
    "accountReferenceId": "<Account Refernce ID>",
    "action": "upiDeclineCollect"
  }
}

"signaturePayload": {
  "merchantId": "<stock>",
  "merchantChannelId": "<stock>",
  "merchantCustomerId": "12345",
  "timestamp": "1639167811935",
  "amount": "5.00",
  "currency": "INR",
  "customerPhone": "919876543210"
}

"protected": {
  "kid":"uat833359804655bb748702e324111",
  "alg":"RS256"
}

// block:end:collectDeclineReqH
```


---

## See Also

- [Link Account to Vpa](https://juspay.io/in/docs/upi-tpap-sdk/android/headless-process-payloads/link-account-to-vpa)
- [Change MPIN](https://juspay.io/in/docs/upi-tpap-sdk/android/headless-process-payloads/change-mpin)