Building apps and services with UPI: A technical deep dive
Submitted by Abhishek Balaji (@booleanbalaji) on Nov 24, 2017
UPI is one of those innovations that come along every once in a while and transform the landscape. By reducing friction in payments, it has opened up new product possibilities. To unlock those possibilities you need to know your way around and ask the right questions. This talk is a sort of techno-business map that we’ve plotted from our own journeys in the UPI universe.
We will look at how UPI is architected, the APIs it exposes, the payment experiences that it
enables and then dive deep into a couple of payment flow implementations to see how
things really work under the hood.
What is UPI?
a. UPI architecture in a nutshell
b. How the money flows
Possibilities that UPI creates
i). In-App payment
ii). Collect request / Intent launch
iii). Deep linking
iv). Split Payments
v). Dynamic VPA
vi). Collect request on delivery
i). Recurring payments
Building a Merchant Payments solution using UPI
a. The basic API suite
i). Balance check
ii). Payments flow
iii). Account linking
iv). Miscellaneous / Supporting (Queries, Bank list etc. )
b. In-App payment using a UPI SDK
i). UPI SDK under the hood
ii). Integrating the SDK
c. Collect request and UPI intent APIs
i). How the Intent API works
ii). The collect money flow
iii). Juspay’s Euler (A unified gateway to UPI PSP) makes it easier
Dilip Jain is an Engineer at Juspay. He is a FP enthusiast and likes to code in Haskell.