Third Party Validation

Use Cases

• Mutual Funds

• SIPs

• One time payment solution for Stock Brokers

How it works?

• Merchants obtain user account details during KYC/registration and create a reference using those details.

• Merchants configure the gateway that supports TPV and enable payment methods (Netbanking TPV and UPI TPV) based on the specific use case.

• When a user checks out, the merchant includes the registered account details in the Juspay request (Order create request payload).

• Juspay routes the transaction to the gateway which has the TPV support enabled with the bank account details. User is authenticated with the bank details which is used during the registration/KYC process.

• Once the transaction is completed and TPV is successful, the transaction is marked as successful.

• If the user attempts to process the transaction with non-registered account details, the TPV will fail leading to transaction failure.

Transaction Workflow

TPV Supported Payment Aggregator/Gateways

Following PA / PG(s) support TPV transactions for below payment methods
[* indicates the gateway integration with Juspay is available, but no merchants are live]

TPV Emandate Supported Payment Aggregator/Gateways

Following PA / PG support TPV Emandate transactions
[* indicates the gateway integration with Juspay is available, but no merchants are live]

Juspay Advantage:

• Juspay efficiently detects gateway health and routes transactions to the optimal TPV enabled gateway, leading to SR (Success Rate) improvement.

• With Juspay TPV, multiple bank account details can be accommodated, allowing users to choose their preferred bank account for payment.

• With Yes-Biz gateway integration and in-app UPI feature enablement, only UPI Intent Apps linked to the bank details provided in the payload are displayed, significantly reducing distractions from multiple UPI Intent options.

TPV Design Variations:

If you are using Juspay HyperCheckout (payment page), then following design variations are available to display surcharge details

1. If user accidentally chooses unregistered account, retry enabled on TPV payments
   

Analytics

You can use the Transaction and Refunds Analytics Modules in Juspay Dashboard to monitor the traffic and performance of TPV transactions and refunds.