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LITE Pay Flow

Description

The process describes the Lite Pay flow, commencing when the customer chooses to make a payment using UPI Lite.

PSP triggers CL via the merchant app.
Within the internal workings of the merchant application, it triggers the IsUPILiteBound call to the Common Library (CL). When the CL responds affirmatively, the merchant application internally verifies whether there exists a sufficient balance to proceed with the subsequent money transfer operation.
CL passes the ARQC in cred consisting of transaction details and available balance in account to PSP.
PSP initiates ReqPay with purpose code=”44” to UPI.
NPCI initiates ReqAuthDetails for address translation of Payee.
NPCI sends the request to Payee PSP for address translation for the VPA. Post this NPCI shall internally get the transaction processed by E-FRM.
Post successful E-FRM processing, UPI triggers a request to the NPCI Auth Engine to validate the ARQC.
On successful validation, the amount is debited and the ARPC is generated. This is passed back to NPCI in response.
NPCI initiates credit requests to beneficiary banks.
On successful response NPCI sends the success response with the ARPC to the PSP.
PSP passes the success response with the ARPC to the App.
App shares the final response to the CL.
CL updates the balance amount for the Lite service.