Help Center

Checkout

Coverage

Capabilities

Principle of operation

1. Selection at checkout
   Customer selects UPI as the payment method at checkout.
2. Payment initiation
   Customer enters a VPA and other payment data. Set payment_method_flow to direct or omit the field.
3. Authentication and authorization
   After the VPA is submitted, the payment provider determines which app should receive the notification and link the payment.
4. Payment confirmation
   Customer approves the transaction in the UPI app within 15 minutes.
5. Merchant notification
   Merchant receives a notification Webhook confirming the payment status.

Recurring payments

Recurring payments up to ₹15,000 per individual transaction are processed without customer intervention. For amounts above ₹15,000 per transaction, an additional authentication factor is required for each debit. These debits are not supported.

Customer receives a notification 24 hours before the scheduled charge.

• If the customer declines the follow-up charge, a decline response is returned.
• If the customer does not decline the charge, a success response is issued.

When creating the initial payment, specify the amount to be debited for future subscription charges. This amount appears in the customer’s UPI app when the mandate is created. The mandate authorizes follow-up payments.

Any payment below the amount specified in the initial request occurs without additional confirmation from the customer. However, the customer still receives notifications the day before the follow-up payment and can cancel the subscription at any time.

Mandates

Mandate display at checkout

You must display mandate terms clearly at checkout, including the maximum charge amount and billing frequency, so customers can review them before mandate creation. For future_usage max_amount and billing_period configuration, use UPI Intent.

The customer can revoke a mandate at any time in their UPI app by selecting Delete AutoPay. When a mandate is revoked, Solidgate automatically cancels the associated subscription and sends a notification Webhook notification to the merchant.

VPA format

The VPA must follow the pattern: up to 100 characters, followed by @ , then up to 30 characters, such as name@bankname . An invalid VPA format returns error code 2.01 .

Handle UPI errors

Specific errors may occur when a UPI payment attempt fails.

• 0.02 Order expired
  Customer did not complete authorization within the 15 minute session window.
• 2.01 Invalid data
  Incorrect VPA format or incorrectly formatted phone number. Validate the india_vpa format, such as username@bankname . Validate customer_phone . Only digits 0 through 9 and the + symbol are permitted.