Push to VPA Flow

This functionality is used for pushing money from Merchant Accounts to Customer Accounts instantly. This would mostly be used for Rewards, Cashbacks, Incentives, etc.

Before initiating this API, it is recommended to do Verify VPA API request to the PSP to check the validity of customer’s VPA or UPI ID. If a valid response is received, then only initiate the Push to VPA API request.

Payout can be also done based on Account Number & IFSC code combination by passing the value in customerVpa as Global Address i.e. account-no@ifsc-code.ifsc.npci (e.g.12345@HDFC0000001.ifsc.npci).

Once the Merchant initiates the Push to VPA API, and a SUCCESS/FAILURE response is not received with 60 seconds(API timeout) of the request, a Push to VPA Callback (or multiple callbacks at intervals) are sent to the Merchant for the same event type with latest status. Terminal states for a transaction are SUCCESS and FAILURE. The merchant can also trigger a Push to VPA Status API after the time-out to get an immediate update on the status.

For gatewayResponseStatus anything other than SUCCESS and FAILURE to be considered PENDING. For PENDING & DEEMED cases, keep doing status check for next 3-5 days to get the terminal status.