50p 2018

50p 2018

India's first independent conference on payments and the payment ecosystem

Abhishek Balaji

@booleanbalaji Proposing

Building apps and services with UPI: A technical deep dive

Submitted 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.


  1. What is UPI?
    a. UPI architecture in a nutshell
    b. How the money flows

  2. Possibilities that UPI creates
    a. Current:
    i). In-App payment
    ii). Collect request / Intent launch
    iii). Deep linking
    iv). Split Payments
    v). Dynamic VPA
    vi). Collect request on delivery
    b. Upcoming
    i). Recurring payments
    ii). Subscriptions

  3. 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

Speaker bio

Dilip Jain is an Engineer at Juspay. He is a FP enthusiast and likes to code in Haskell.


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