Collect Flow

Web Collect Flow starts when a customer types in his VPA at merchant site/mobile app to initiate the UPI payment process.

The Merchant Server sends isValidVPA API request to the PSP to check the validity of the customer’s VPA. If valid, the VPA is resolved with name and other details. A response with this information is sent back to the Merchant Server.

If the VPA is resolved, the Merchant Server will initiate a Web Collect API request through the PSP. The PSP posts the request to the NPCI for processing.

If the customer approves/declines the transaction within 60 seconds(configurable), then NPCI responds, and the Web Collect Flow is completed with a response to the Merchant Server indicating that the transaction was approved or declined by the customer, and if approved, the transaction is completed.

It the customer does not approve/decline the transaction within 60 seconds(configurable), then Merchant can trigger the Transaction Status API at regular intervals to get a real-time status of the transaction. A response will be sent immediately with the status information.

The Incoming money to Merchant - Collect callback notification will be sent to the Merchant as the NPCI responds when the customer finally approves/declines the transaction, and if approved, the transaction is completed.