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UPI MESSAGE DUMPS v1.0

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UNIFIED PAYMENT INTERFACE MESSAGE DUMPS V1.0

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Documents Details

Document History

Name Version No. Date Description

Unified Payment Interface Message Dumps

1.0 19/09/2015 Provides Message Dumps for

ReqPay, RespPay, ReqAuth and

RespAuth messages

Prepared By: Date

Vikas Sharma 10/10/2015

Mohd Zeeshan Khan 10/10/2015

Reviewed By: Date

Sateesh Palagiri 15/10/2015

K Venkatesh 15/10/2015

Approved By: Date

Dr. Rajendran N 15/10/2015

Author NPCI

Published Date 15/10/2015

Version V1.0

Total Pages 122

Document classification Public

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Contents

CASE 1 ...................................................................................................................................... 6

1.1 Flow:............................................................................................................................ 6

1.2 ReqPay (PSP1 to UPI System) .................................................................................... 6

1.3 MSG_ACK(to be sent for every message) ................................................................ 10

1.4 ReqAuthDetails(UPI to PSP2) .................................................................................. 10

1.5 RespAuthDetails(PSP2 to UPI) ................................................................................. 12

1.6 ReqPay_NPCI_DEBIT_REQ(UPI to PSP1) ............................................................. 14

1.7 RespPay_NPCI_DEBIT_REQ_RES(PSP1 to UPI) .................................................. 18

1.8 ReqPay_NPCI_CREDIT_REQ(UPI to PSP2) .......................................................... 19

1.9 RespPay_NPCI_CREDIT_REQ_RES(PSP2 to UPI) ............................................... 23

1.10 RespPay(UPI to PSP1) .......................................................................................... 24

1.11 ReqTxnConfirmation(UPI to PSP2) ...................................................................... 27

1.12 RespTxnConfirmation(PSP2 to UPI) .................................................................... 27

CASE 2 .................................................................................................................................... 28

2.1 Flow:.......................................................................................................................... 28

2.2 ReqPay(PSP1 to UPI) ............................................................................................... 29

2.3 MSG_ACK(to be send for every message) ............................................................... 32

2.8 ReqPay_NPCI_CREDIT_REQ(UPI to PSP2) .......................................................... 42

2.9 RespPay_NPCI_CREDIT_REQ_RES(PSP2 to UPI) ............................................... 46

2.11 ReqTxnConfirmation(UPI to PSP2) ...................................................................... 49

CASE 3 .................................................................................................................................... 50

3.1 Flow:.......................................................................................................................... 50

3.2 ReqPay(PSP1 to UPI) ............................................................................................... 51

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3.8 RespPay(UPI to PSP1) .............................................................................................. 63

3.9 ReqTxnConfirmation(UPI to PSP2).......................................................................... 64

CASE 4 .................................................................................................................................... 66

4.1 Flow:.......................................................................................................................... 66

4.2 ReqListAccount: Request for Account List .............................................................. 67

4.3 RespListAccount: Response for Account List .......................................................... 67

4.4 ReqPay(PSP1 to UPI) ............................................................................................... 68

4.7 RespPay(UPI to PSP1) .............................................................................................. 76

4.8 ReqTxnConfirmation(UPI to PSP2).......................... Error! Bookmark not defined.

4.9 RespTxnConfirmation(PSP2 to UPI) ........................ Error! Bookmark not defined.

CASE 5 .................................................................................................................................... 78

5.1 Flow:.......................................................................................................................... 78

5.2 ReqPay(PSP1 to UPI) ............................................................................................... 79

5.6 ReqPay_NPCI_DEBIT_REQ(UPI to PAYER BANK) ............................................ 87

5.7 RespPay_NPCI_DEBIT_REQ_RES(PAYER BANK to UPI) ................................. 90

5.8 ReqPay_NPCI_CREDIT_REQ(UPI to PAYEE BANK) ......................................... 92

5.9 RespPay_NPCI_CREDIT_REQ_RES(PAYEE BANK to UPI) .............................. 96

5.11 ReqTxnConfirmation(UPI to PAYER BANK) ..................................................... 99

5.12 RespTxnConfirmation(PAYER BANK to UPI).................................................... 99

CASE 6 .................................................................................................................................. 101

6.1 Flow:........................................................................................................................ 101

6.2 ReqPay (PSP1 to UPI System) ................................................................................ 102

6.3 MSG_ACK(to be sent for every message) .............................................................. 105

6.4 ReqAuthDetails(UPI to PSP2) ................................................................................ 105

6.5 RespAuthDetails(PSP2 to UPI) ............................................................................... 107

6.6 ReqPay_NPCI_DEBIT_REQ(UPI to PAYER BANK) .......................................... 109

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6.7 RespPay_NPCI_DEBIT_REQ_RES(PAYER BANK to UPI) ............................... 113

6.8 ReqPay_NPCI_CREDIT_REQ(UPI to PAYEE BANK) ....................................... 114

6.9 RespPay_NPCI_CREDIT_REQ_RES(PAYEE BANK to UPI) ............................ 118

6.10 RespPay(UPI to PSP1) ........................................................................................ 119

6.11 ReqTxnConfirmation(UPI to PSP2) .................................................................... 122

6.12 RespTxnConfirmation(PSP2 to UPI) .................................................................. 122

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CASE 1

TWO PARTY MODEL – Pay Request [Payer PSP & Remitter Bank are one entity and

Payee PSP & Beneficiary Bank are also one entity]

1.1 Flow:

1. Customer initiates a pay Request by entering the Virtual Address of the Payee

customer.

2. Payer PSP sends the ReqPay message to UPI

3. UPI sends ReqAuthDetails message to the respective Payee PSP.

4. Payee PSP validates the Address and responds back with the financial address of the Payee in the RespAuthDetails message to UPI.

5. UPI sends a debit request to Payer PSP 6. Payer PSP debits the account of the customer and responds back to UPI 7. UPI sends a credit request to the Beneficiary Bank based on the financial

address of the Payee 8. Beneficiary Bank credits the customer’s account and responds back with

successful credit to UPI 9. UPI sends a successful confirmation to the Payer PSP and Payee PSP 10. Payer PSP sends the confirmation to the customer.

1.2 ReqPay (PSP1 to UPI System)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/">

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<Head ver="1.0" ts="2015-02-16T22:02:35+05:30" orgId="400002" msgId="HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="PAY" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

<Data code="" ki=""> base-64 encoded and encrypted</Data> #data includes [base 64 encoded]<Transaction Id><delimiter><Common library version><delimiter><Captured credential><delimiter><Transaction amount><delimiter><Random number>[encrypted] ,"|" to be used as delimiter and order of the elements should be same.

</Cred> </Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="" seqNum="1" type="" code=""> </Payee> </Payees> </upi:ReqPay>

Index Message Item <XML Tag> Occurrence Sample Value

1.1 API Name <upi> 1..1 ReqPay

1.1.1 API Schema namespace Xmlns 1..1 upi="http://npci.org/upi/schema/

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2.1 Header for the message <Head> 1..1

2.1.1 Version of the API Ver 1..1 1.0

2.1.2 Time of request from the creator of the message

Ts 1..1 2015-02-16T22:02:35+05:30

2.1.3 Organization id that created the message

orgId 1..1 400002

2.1.4 Message identifier-used to correlate between request and response

msgId 1..1 HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

3.1 Meta data primarily for analytics purposes

<Meta> 0..1

<Meta.Tag> 0..1

3.2.1 Name of the property Name 1..n PAYREQSTART

3.2.2 Value of the property Value 1..n 2015-02-16T22:02:00+05:30

4.1 Transaction information, Carried throughout the system, visible to all parties

<Txn> 1..1

4.1.1 Unique Identifier of the transaction across all entities, created by the originator

Id 1..1 8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

4.1.2 Description of the transaction(which will be printed on Pass book)

Note 1..1 Restaurant Bill

4.1.3 Consumer reference number to identify (like Loan number, etc.)

refId 1..1

4.1.4 URL for the transaction refUrl 1..1

4.1.5 Transaction origination time by the creator of the message

Ts 1..1 2015-02-16T22:02:35+05:30

4.1.6 Type of the Transaction Type 1..1 PAY

4.1.7 Original transaction ID when reversal/Refund has to be done

orgTxnId 1..1

4.2 Risk Score related to the transaction and the entities

<Txn.RiskScores> 0..1

<Txn.RiskScores.Score> 0..1

4.3.1 Entity providing the risk score provider 1..1 psp1

4.3.2 Type of risk Type 1..1 TXNRISK

4.3.3 Value of risk evaluation ranging from 0 (No Risk) to 100 (Maximum Risk)

Value 1..1 00030

5.1 Details related to the Payer <Payer> 1..1

5.1.1 Address of the Payer Addr 1..1 zeeshan.khan@hdfc

5.1.2 Name of the Payer Name 1..1 Zeeshan Khan

5.1.3 Unique identifier for each transaction inside a file including payer and payee

seqNum 1..1 1

5.1.4 Type of the Payer Type 1..1 PERSON

5.1.5 Merchant Classification Code -MCC

Code 1..1 4814

5.2 Information related to the Payer <Payer.Info> 1..1

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5.3 Payer Identity Is mandatory for “collect” and optional for “pay”

<Payer.Info.Identity> 1..1

5.3.1 Type of the identifier Type 1..1 ACCOUNT

5.3.2 Name as per the identifier verifiedName 1..1 Zeeshan Khan

5.3.3. Id Id 1.1 7389923983430

5.4 Rating of the payer <Rating> 0..1

5.4.1 Payer is whitelisted or not verifiedAddress 1..1 TRUE

5.5 Details of Device from which the transaction was initiated

<Payer.Device> 1..1

5.6 Device Tag <Payer.Device.Tag> 1..n

5.6.1 Name of the property Name 1..n MOBILE

5.6.2 Value of the property Value 1..n +91.99999.00000

5.7 Only one entity is allowed for a payer

<Payer.Ac> 1..1

5.7.1 Type of the address addrType 1..1 ACCOUNT

5.8 Details related to Payer Address <Payer.Ac.Detail> 1..n

5.8.1 Name of the property Name 1..n ACTYPE

5.8.2 Value of the property Value 1..n SAVINGS

5.8.3 Name of the property Name 1..n IFSC

5.8.4 Value of the property Value 1..n HDFC0288100

5.8.5 Name of the property Name 1..n ACNUM

5.8.6 Value of the property Value 1..n 2678892001828

5.9 Information related to Payer Credentials

<Payer.Creds> 1..1

5.10 Credentials are used to authenticate the request

<Payer.Creds.Cred> 1..1

5.10.1 Type of financial instrument used for authentication

Type 1..1 PreApproved

5.10.2 Subtype of Financial instrument used for authentication

subtype 1.1 NA

5.11 base-64 encoded/encrypted authentication data

<Payer.Creds.Cred.Data>

1..1 Base 64 encoded value of RES|A12345

5.12 Information related to the amounts in the transaction

<Payer.Amount> 1..1

5.12.1 Transaction amount Value 1..1 4000

5.12.2 Currency of the transaction Curr 1..1 INR

6.1 Details related to the Payees <Payees> 1..1

6.2 Details related to the Payee <Payee> 1..1

6.2.1 Address of the Payee Addr 1..1 rohit.patekar@sbi

6.2.2 Name of the Payee Name 1..1

6.2.3 Unique identifier for each transaction inside a file including Payee and payee

seqNum 1..1 1

6.2.4 Type of the Payee Type 1..1

Code 1..1

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1.3 MSG_ACK(to be sent for every message)

<upi:Ack xmlns:upi="" api="" reqMsgId="" err="" ts=""/>

1.4 ReqAuthDetails(UPI to PSP2)

<upi:ReqAuthDetails xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:40+05:30" orgId="400001" msgId="NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="PAY"> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="NPCI" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="" seqNum="1" type="" code=""> </Payee> </Payees> </upi:ReqAuthDetails>

Index Message Item <XML Tag> Occurrence

Sample Value

1.1 API Name <ReqAuthDetails> 1..1 ReqAuthDetails

1.1.1 API Schema namespace xmlns 1..1 upi="http://npci.org/upi/schema

2.1.1 Version of the API ver 1..1 1

ts 1..1 2015-02-16T22:02:45+05:30

orgId 1..1 400001

msgId 1..1 NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

<Txn> 1..1

3.1.1 Unique Identifier of the transaction across all entities created by the originator

id 1..1 8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

note 1..1 Restaurant Bill

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Sample Value

ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

3.1.5 Type of the Transaction type 1..1 PAY

3.3.1 Entity providing the risk score provider 1..1 Psp2

3.3.2 Type of risk type 1..1 TXNRISK

value 1..1 00030

4.1.1 Address of the Payer addr 1..1 zeeshan.khan@hdfc

4.1.2 Name of the Payer name 1..1 Zeeshan Khan

seqNum 1..1 1

4.1.4 Type of the Payer type 1..1 PERSON

code 1..1 4814

4.3 Payer Identity is mandatory for “collect” and optional for “pay”

4.3.1 Type of the identifier type 1..1 ACCOUNT

4.3.3 Identifier Id 1.1 7389923983430

4.4 Rating of the payer <Payer.Info.Rating> 0..1

<Payer.Amount> 1..1

4.5.1 Transaction amount value 1..1 4000

4.5.2 Currency of the transaction curr 1..1 INR

6.2.1 Address of the Payee addr 1..1 rohit.patekar@sbi

6.2.2 Name of the Payee name 1..1

seqNum 1..1 1

6.2.4 Type of the Payee type 1..1

code 1..1

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1.5 RespAuthDetails(PSP2 to UPI)

<upi:RespAuthDetails xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:45+05:30" orgId="400003" msgId="SBNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Resp reqMsgId="NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="PAY"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="NPCI" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814"> #mcc has to be populated <Info> <Identity type="ACCOUNT" verifiedName="Rohit Patekar" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:RespAuthDetails>

1.1 API Name <RespAuthDetails> 1..1 RespAuthDetails

1.1.1 API Schema namespace xmlns 1..1 upi="http://npci.org/upi/schema/

2.1.1 Version of the API ver 1..1 1.0

ts 1..1 2015-02-16T22:02:45+05:30

orgId 1..1 400003

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msgId 1..1 SBNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

3.1 Response <Resp> 1..1

3.1.1 Request Message identifier reqMsgId 1..1 NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

3.1.2 Result of the transaction result 1..1 SUCCESS

3.1.3 Error code if failed errCode 1..1

<Txn> 1..1

ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

<Txn.RiskScores.Score>

value 1..1 00030

seqNum 1..1 1

5.1.5 Merchant Classification Code -MCC code 1..1 4814

5.3.3 Id Id 1.1 7389923983430

<Payer.Amount> 1..1

6.2.2 Name of the Payee name 1..1 Rohit Patekar

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seqNum 1..1 1

6.2.4 Type of the Payee type 1..1 PERSON

6.3 Information related to the Payee <Payee.Info> 1..1

6.4 Payee Identity <Payee.Info.Identity> 1..1

6.4.2 Name as per the identifier verifiedName 1..1 Rohit Patekar

6.4.3 Id Id 1.1 8392389838

6.5 Rating of the Payee <Payee.Info.Rating> 0..1

6.5.1 Payee is whitelisted or not verifiedAddress 1..1 TRUE

6.6 Only one entity is allowed for a Payee <Payee.Ac> 1..1

6.7 Details related to Payee Address <Payee.Ac.Detail> 1..n

6.7.1 Name of the property name 1..n IFSC

6.7.2 Value of the property value 1..n SBIN0288100

6.7.3 Name of the property name 1..n ACTYPE

6.7.4 Value of the property value 1..n SAVINGS

6.7.5 Name of the property name 1..n ACNUM

6.7.6 Value of the property value 1..n 5678892001828

<Payee.Amount> 1..1

1.6 ReqPay_NPCI_DEBIT_REQ(UPI to PSP1)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QZ"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="DEBIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" />

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<Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

<Data code="" ki=""> base-64 encoded and encrypted</Data> #data includes [<Transaction Id><delimiter><Common library version><delimiter><Captured credential><delimiter><Transaction amount><delimiter><Random number> ,"|" to be used as delimiter

</Cred>

</Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814">#mcc has to be populated <Info> <Identity type="ACCOUNT" verifiedName="Rohit Patekar" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

msgId 1..1 HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QM

<Meta> 0..1

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<Meta.Tag> 0..1

3.2.1 Name of the property name 1..n PAYREQSTART

3.2.2 Value of the property value 1..n 2015-02-16T22:02:00+05:30

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

4.1.6 Type of the Transaction type 1..1 CREDIT

orgTxnId 1..1

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

5.3.3. Id Id 1.1 7389923983430

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<Payer.Device> 1..1

5.6.1 Name of the property name 1..n MOBILE

5.6.2 Value of the property value 1..n +91.99999.00000

<Payer.Ac> 1..1

5.8.4 Value of the property value 1..n HDFC0288100

<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Creds.Cred.Data> 1..1 Base 64 encoded value of RES|A12345

<Payer.Amount> 1..1

seqNum 1..1 1

6.2.4 Type of the Payee Type 1..1 PERSON

Code 1..1 4814

6.4 Payee Identity Is mandatory for “collect” and optional for “pay”

<Payee.Info.Identity> 1..1

6.4.3. Id Id 1.1 8392389838

6.5 Rating of the payee <Rating> 0..1

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6.6 Only one entity is allowed for a payee

<Payee.Ac> 1..1

1.7 RespPay_NPCI_DEBIT_REQ_RES(PSP1 to UPI)

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:54+05:30" orgId="400002" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="DEBIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QZ" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

settCurrency="INR" acNum ="2678892001828" approvalNum="9399389827" respCode="00"/>

1.1 API Name <RespPay> 1..1 RespPay

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

msgId 1..1 NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QM

<Txn> 1..1

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refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.4.1 Request Message identifier reqMsgId 1..1 HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QM

3.4..3 Error code if failed errCode 1..1

3.5 Response Reference <Ref> 1..n

3.5.1 Customer type type 1..1 PAYER

3.5.2 Sequence Number seqNum 1..1 1

3.5.3 Payment address addr 1..1 zeeshan.khan@hdfc

3.5.4 Settlement Amount settAmount 1..1 4000

3.5.5 Settlement Currency settCurrency 1..1 INR

3.5.6 Approval Reference Number approvalNum 1..1 9399389827

3.5.7 Response code respCode 1..1 00

1.8 ReqPay_NPCI_CREDIT_REQ(UPI to PSP2)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:54+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="CREDIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info>

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<Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PreApproved" subType="NA"> <Data> base-64 encoded</Data> #data includes respCode and approvalRef RES|A12345 </Cred> </Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814">#mcc has to be populated <Info> <Identity type="ACCOUNT" verifiedName="Rohit Patekar" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

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<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

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5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

Code 1..1 4814

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6.4.3. Id Id 1.1 8392389838

<Payee.Ac> 1..1

1.9 RespPay_NPCI_CREDIT_REQ_RES(PSP2 to UPI)

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:56+05:30" orgId="400003" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="CREDIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

</Resp> </upi:RespPay>

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

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<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

1.10 RespPay(UPI to PSP1)

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:59+05:30" orgId="400001" msgId="NENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="PAY"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode="">

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ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400001

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.4.1 Request Message identifier reqMsgId 1..1 HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

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1.11 ReqTxnConfirmation(UPI to PSP2)

<upi:ReqTxnConfirmation xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:03:00+05:30" orgId="400001" msgId="HPDSFVC2QOS7X1UGPY2JGUV454YC8T2C6QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill" refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="TxnConfirmation" orgTxnId="HPDSFVC2QOS7X1UGPY2JGUV458PL8T2C6QM"/> <TxnConfirmation note="Restaurant Bill" orgStatus="SUCCESS" orgErrCode=”” type="PAY" orgTxnId="HPDSFVC2QOS7X1UGPY2JGUV458PL8T2C6QM" />

</upi:ReqTxnConfirmation>

1.12 RespTxnConfirmation(PSP2 to UPI)

<upi:RespTxnConfirmation xmlns:upi="http://npci.org/upi/schema/">

</upi:RespTxnConfirmation>

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CASE 2

TWO PARTY MODEL – Collect Request [Payer PSP & Remitter Bank are one entity

and Payee PSP & Beneficiary Bank are also one entity]

2.1 Flow:

1. Customer sends a Collect Request by entering the Virtual Address of the Payer

customer.

2. Payee PSP sends the ReqPay message to UPI

3. UPI sends the ReqAuthDetails to the respective Payer PSP 4. Payer PSP sends a notification to the Payer customer for authorization.

Customer enters the PIN & confirms the payment. Payer PSP sends the RespAuthDetails message to UPI

5. UPI sends the debit request to Payer PSP. 6. Payer PSP debits the customer account and sends response back to UPI. 7. UPI sends a Credit Request to Beneficiary Bank 8. Beneficiary Bank credits the customer’s account and responds successful

credit to UPI 9. UPI sends the RespPay message to Payee PSP 10. UPI Sends the ReqTxnConfirmation to Payer PSP. 11. Payee PSP sends the confirmation to the customer.

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2.2 ReqPay(PSP1 to UPI)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:35+05:30" orgId="400002" msgId="HDNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your taxi trip Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="Collect" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> </RiskScores> <Rules> <Rule name="EXPIREAFTER" value="10080"/> <! Payment request will expire in 7 days (7*24*60 minutes) > </Rules> </Txn> <Payer addr="rohit.patekar@sbi" name="" seqNum="1" type="" code=""> </Payer> <Payees> <Payee addr="zeeshan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

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Ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400002

msgId 1..1 HDNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

note 1..1 Your taxi trip Bill

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

4.1.6 Type of the Transaction type 1..1 Collect

orgTxnId 1..1

value 1..1 00030

4.4 Rules that govern the payment <Txn.Rules> 0..1

4.5 Rule for the transaction <Txn.Rules.Rule> 0..n

4.5.1 Name of the property name 1..n EXPIREAFTER

5.1.1 Address of the Payer addr 1..1 rohit.patekar@sbi

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5.1.2 Name of the Payer name 1..1

seqNum 1..1

5.1.4 Type of the Payer type 1..1

code 1..1

6.2.1 Address of the Payee addr 1..1 zeeshan@hdfc

6.2.2 Name of the Payee name 1..1 Zeeshan Khan

seqNum 1..1 1

6.2.5 Merchant Classification Code –MCC

code 1..1 4814

<Payee.Info.Identity>

7.3.3 Id Id 1.1 7389923983430

<Payee.Device> 1..1

7.6 Device Tag <Payee.Device.Tag>

<Payee.Ac> 1..1

<Payee.Amount> 1..1

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2.3 MSG_ACK(to be send for every message)

<?xml version='1.0' encoding='UTF-8' standalone='no'?><Ack api='UPI' err=''/>

<upi:ReqAuthDetails xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:40+05:30" orgId="400001" msgId="NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your Taxi trip Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="Collect"> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="NPCI" type="TXNRISK" value="00030"/> </RiskScores> <Rules> <Rule name="EXPIREAFTER" value="10080"/>  </Rules> </Txn> <Payer addr="rohit.patekar@sbi" name="" seqNum="1" type="" code=""> </Payer> <Payees> <Payee seqNum="1" addr="zeeshan.khan@hdfc" name="Zeeshan Khan" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqAuthDetails>

1.1 API Name <upi> 1..1 ReqAuthDetails

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

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ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.5.1 Name of the property Name 1..n EXPIREAFTER

4.1.1 Address of the Payer Addr 1..1 rohit.patekar@sbi

4.1.2 Name of the Payer Name 1..1

seqNum 1..1 1

4.1.4 Type of the Payer Type 1..1

Code 1..1

5.2.1 Address of the Payee Addr 1..1 zeeshan@hdfc

5.2.2 Name of the Payee Name 1..1 Zeeshan Khan

seqNum 1..1 1

Code 1..1 4814

6.3.3 Id Id 1.1 7389923983430

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<Payee.Amount> 1..1

<upi:RespAuthDetails xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400003" msgId="SBNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Resp reqMsgId="NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""/> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM " note="Your Taxi trip Bill" refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="Collect"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="NPCI" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="rohit.patekar@sbi" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.88888"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.24"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="900c6be276f1c4b5c9912b95a5742fc5"/> <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

<Data code="" ki=""> base-64 encoded and encrypted</Data> #data includes [base 64 encoded]<Transaction Id><delimiter><Common library version><delimiter><Captured credential><delimiter><Transaction amount><delimiter><Random number>[encrypted] ,"|" to be used as delimiter

</Cred> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees>

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ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400003

<Txn> 1..1

id 1..1 1524104355706

ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

5.1.2 Name of the Payer name 1..1 Rohit Patekar

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seqNum 1..1 1

5.3.2 Name as per the identifier verifiedName 1..1 rohit.patekar@sbi 5.3.3 Id Id 1.1 8392389838

<Payer.Device> 1..1

5.7 Only one entity is allowed for a payer <Payer.Ac> 1..1

<Payer.Creds> 1..1

type 1..1 PreApproved

subtype 1.1 NA

<Payer.Amount> 1..1

6.2.1 Address of the Payee addr 1..1 Zeeshan.khan@hdfc

seqNum 1..1 1

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6.4.3 Id Id 1.1 7389923983430

<Payee.Amount> 1..1

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGCY7JGUV444PL9Z2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="DEBIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

</Cred>

</Creds> <Amount value="4000" curr="INR">

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</Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814">#mcc has to be populated <Info> <Identity type="ACCOUNT" verifiedName="Rohit Patekar" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

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orgTxnId 1..1

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

<Payer.Creds> 1..1

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subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

Code 1..1 4814

6.4.3. Id Id 1.1 8392389838

<Payee.Ac> 1..1

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:54+05:30" orgId="400003" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QN"/> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill "

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refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="DEBIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGCY7JGUV444PL9Z2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

settCurrency="INR" acNum ="2678892001828"approvalNum="9399389827" respCode="00"/>

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

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2.8 ReqPay_NPCI_CREDIT_REQ(UPI to PSP2)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:35+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGPY7JGUV424PL9Z2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your Taxi trip Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="CREDIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="rohit.patekar@sbi" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.88888"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.24"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="900c6be276f1c4b5c9912b95a5742fc5"/> <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Creds>

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<Cred type="PreApproved" subType="NA"> <Data> base-64 encoded</Data> #data includes respCode and approvalRef RES|A12345 </Cred> </Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee seqNum="2" addr="zeeshan.khan@hdfc" name="Zeeshan Khan" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

Ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

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Note 1..1 Your taxi trip Bill

refId 1..1

Ts 1..1 2015-02-16T22:02:35+05:30

4.1.6 Type of the Transaction Type 1..1 CREDIT

orgTxnId 1..1

Value 1..1 00030

5.1.2 Name of the Payer Name 1..1 Rohit Patekar

seqNum 1..1 1

Code 1..1 4814

<Payer.Info.Identity>

5.3.2 Name as per the identifier verifiedName 1..1 rohit.patekar@sbi

5.3.3. Id Id 1.1 8392389838

<Payer.Device> 1..1

<Payer.Ac> 1..1

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<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

5.13 Information if the debit is already authorized

5.13.1 Response Code respCode 1.1 00

5.13.2 Approval Reference approvalRef 1.1 7786787860

seqNum 1..1 1

code 1..1 4814

7.3.3 Id Id 1.1 7389923983430

<Payee.Ac> 1..1

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<Payee.Amount> 1..1

2.9 RespPay_NPCI_CREDIT_REQ_RES(PSP2 to UPI)

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400002" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your Taxi trip Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="CREDIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGPY7JGUV424PL9Z2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYEE" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

<Txn> 1..1

note 1..1 Your Taxi trip Billl

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refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.5.1 Customer type type 1..1 PAYEE

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:52+05:30" orgId="400001" msgId="NPCSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your Taxi Trip Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="Collect"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HDNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="rohit.patekar@sbi" settAmount="4000" settCurrency="INR" approvalNum="9399389827" respCode="00"/> # this will indicate that debit has happened <Ref type="PAYEE" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000" settCurrency="INR" approvalNum="" respCode=""/> # PAYEE PSP will do the credit and complete the transaction. </Resp> </upi:RespPay>

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ts 1..1 2015-02-16T22:02:52+05:30

orgId 1..1 400001

msgId 1..1 NPCSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

<Txn> 1..1

note 1..1 Your Taxi trip Bill

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.4.1 Request Message identifier reqMsgId 1..1 HDNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

3.5.3 Payment address addr 1..1 rohit.patekar@sbi

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<upi:ReqTxnConfirmation xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:03:00+05:30" orgId="400001" msgId="HPDSFVC2QOS7X1UGPY2JGUV454YC8T2C6QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill" refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="TxnConfirmation" orgTxnId="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" /> <TxnConfirmation note="Restaurant Bill" orgStatus="SUCCESS" orgErrCode=”” type="COLLECT" orgTxnId="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" />

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CASE 3

Pay Request - Payer PSP & Remitter Banks are same entity and Payee PSP &

Beneficiary Bank are separate entities.

3.1 Flow:

1. Customer initiates a Pay request by entering the Virtual Address of the Payee customer and PIN

2. Payer PSP debits the customer’s account & sends the ReqPay message to UPI 3. UPI sends ReqAuthDetails message to the respective Payee PSP 4. Payee PSP identifies the Address and responds back with RespAuthDetails

message. 5. UPI sends ISO8583 message to IMPS system 6. IMPS sends a credit message to Beneficiary Bank 7. Beneficiary Bank credits the customer’s account and responds successful

credit to IMPS 8. IMPS system sends a successful credit notification to UPI system 9. UPI sends RespPay message to Payer PSP 10. UPI Sends ReqTxnConfimation to Payee PSP 11. Payer PSP sends a confirmation to the costumer

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<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:35+05:30" orgId="400002" msgId="HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="PAY" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PreApproved" subType="NA"> <Data> base-64 encoded</Data> #data includes respCode and approvalRef RES|A12345 </Cred> </Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="" seqNum="1" type="" code=""> </Payee> </Payees> </upi:ReqPay>

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ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400002

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

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5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

code 1..1

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ts 1..1 2015-02-16T22:02:45+05:30

orgId 1..1 400001

<Txn> 1..1

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ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

4.3.3 Identifier Id 1.1 7389923983430

<Payer.Amount> 1..1

seqNum 1..1 1

code 1..1

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<upi:RespAuthDetails xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:45+05:30" orgId="400003" msgId="SBNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Resp reqMsgId="NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="PAY"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="NPCI" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee seqNum="2" addr="rohit.patekar@sbi" name="Rohit Patekar" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Rohit Patekar" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBI0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:RespAuthDetails>

ts 1..1 2015-02-16T22:02:45+05:30

orgId 1..1 400003

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<Txn> 1..1

ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

seqNum 1..1 1

5.3.3 Id Id 1.1 7389923983430

<Payer.Amount> 1..1

5.5 Transaction amount value 1..1 4000

5.6 Currency of the transaction curr 1..1 INR

seqNum 1..1 2

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6.4.3 Id Id 1.1 8392389838

<Payee.Amount> 1..1

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGCY7JGUV444PL9Z2C3ZM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="DEBIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device>

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</Cred>

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

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refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

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<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

Code 1..1 4814

6.4.3. Id Id 1.1 8392389838

<Payee.Ac> 1..1

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<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:54+05:30" orgId="400002" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QP"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="DEBIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGCY7JGUV444PL9Z2C3ZM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

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value 1..1 00030

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400001" msgId="NENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="PAY"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000" settCurrency="INR" approvalNum="9399389827" respCode="00"/> <Ref type="PAYEE" seqNum="1" addr="rohit.patekar@sbi" settAmount="4000" settCurrency="INR" approvalNum="7786787865" respCode="00"/> </Resp> </upi:RespPay>

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ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400001

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

<upi:ReqTxnConfirmation xmlns:upi="http://npci.org/upi/schema/">

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UPI MESSAGE DUMPS

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CASE 4

Payer initiates the transactions using Global Address which gets resolved using NPCI

Mapper.

4.1 Flow:

1. Customer enters the Mobile number/Aadhaar Number of the payee in the PSP app.

2. PSP initiates a ListAccount request to UPI 3. UPI sends the request to central mapper for resolution of Mobile

number/Aadhaar Number. 4. Centeral mapper responds with list of IFSC code linked with the mobile number

or adhaar number. 5. UPI sends the response to payer PSP. Payer PSP display the list to the customer. 6. Customer selects the appropriate IFSC code and sends the Pay request to PSP. 7. Payer PSP sends the request to UPI. 8. UPI intiates a debit request with the payer PSP. 9. Payer PSP debits the account and sends response to UPI. 10. UPI sends a credit request to IMPS 11. IMPS sends a credit request to Beneficiary Bank 12. Beneficiary Bank credits the customer’s account and responds back to IMPS 13. IMPS responds the same to UPI 14. UPI sends RespPay message to the Payer PSP 15. Payer PSP confirms the successful transaction to the customer

UPI MESSAGE DUMPS

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4.2 ReqListAccount: Request for Account List

<upi:ReqListAccount xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:25+05:30" orgId="" msgId="HENSVVR4QOS7Y1UGPY7JGUV444PL9T2C3QM"/> <Payer addr="Zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON|ENTITY" code="4814"> <Link type="MOBILE" value="9999933333"/> <Creds> <Cred type="OTP" subtype="SMS|EMAIL|HOTP|TOTP"> <Data> base-64 encoded/encrypted authentication data</Data> </Cred> </Creds> </upi:ReqListAccount>

4.3 RespListAccount: Response for Account List

<upi:RespListAccount xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:30+05:30" orgId="400001" msgId="FENSVVR4QOS7Y1UGPY7JGUV444PL9T2C3QM"/> <Resp reqMsgId="HENSVVR4QOS7Y1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""/> <AccountList> <Account accRefNumber="" maskedAccNumber="" ifsc="HDFC0000101" mmid="" name="Rohit Patkar" aeba="N"/> <Account accRefNumber="" maskedAccNumber="" ifsc="HDFC0000103" mmid="" name="Rohit Patkar" aeba="Y"/> </AccountList> </upi:RespListAccount>

UPI MESSAGE DUMPS

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<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:35+05:30" orgId="400002" msgId="HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="PAY" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac>

<Data code="" ki=""> base-64 encoded and encrypted</Data> #data includes [base 64 encoded]<Transaction Id><delimiter><Common library version><delimiter><Captured credential><delimiter><Transaction amount><delimiter><Random number>[encrypted] ,"|" to be used as delimiter

</Cred> </Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="9999933333" name="Rohit Patkar" seqNum="1" type="Person" code="4814"> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/>

UPI MESSAGE DUMPS

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</Payee> </Payees> </upi:ReqPay>

Ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400002

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

Ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

Value 1..1 00030

UPI MESSAGE DUMPS

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seqNum 1..1 1

Code 1..1 4814

5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

UPI MESSAGE DUMPS

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6.2.1 Address of the Payee addr 1..1 8879776455

seqNum 1..1 1

6.2.5 Merchant Classification Code code 1..1

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGCY7JGUV444PL9Z2C3ZM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="DEBIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

UPI MESSAGE DUMPS

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</Cred>

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

UPI MESSAGE DUMPS

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ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

UPI MESSAGE DUMPS

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<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

Code 1..1 4814

6.4.3. Id Id 1.1 8392389838

<Payee.Ac> 1..1

UPI MESSAGE DUMPS

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<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:54+05:30" orgId="400002" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QP"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="DEBIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGCY7JGUV444PL9Z2C3ZM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

settCurrency="INR" acNum="2678892001828" approvalNum="9399389827" respCode="00"/>

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

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value 1..1 00030

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400001" msgId="NENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="PAY"> <RiskScores> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000" settCurrency="INR" approvalNum="9399389827" respCode="00"/> <Ref type="PAYEE" seqNum="1" addr="9999933333" settAmount="4000" settCurrency="INR" approvalNum="7786787865" respCode="00"/> </Resp> </upi:RespPay>

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400001

<Txn> 1..1

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refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

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CASE 5

FOUR PARTY MODEL – Collect Request [Payer PSP, Remitter/PAYER Bank, Payee

PSP & Beneficiary/PAYEE Bank ]

5.1 Flow:

1. Customer sends a Collect Request by entering the Virtual Address of the Payer

customer.

2. Payee PSP sends the ReqPay message to UPI

3. UPI sends the ReqAuthDetails to the respective Payer PSP 4. Payer PSP sends a notification to the Payer customer for authorization.

Customer enters the PIN & confirms the payment. Payer PSP sends the RespAuthDetails message to UPI

5. UPI sends the debit request to Payer BANK. 6. Payer BANK debits the customer account and sends response back to UPI. 7. UPI sends a Credit Request to Beneficiary Bank 8. Beneficiary Bank credits the customer’s account and responds successful

credit to UPI 9. UPI sends the RespPay message to Payee PSP 10. Payee PSP sends the confirmation to the customer.

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<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:35+05:30" orgId="400002" msgId="HDNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your taxi trip Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="Collect" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> </RiskScores> <Rules> <Rule name="EXPIREAFTER" value="10080"/> <! Payment request will expire in 7 days (7*24*60 minutes) > </Rules> </Txn> <Payer addr="rohit.patekar@sbi" name="" seqNum="1" type="" code=""> </Payer> <Payees> <Payee addr="zeeshan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="ICIC0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

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Ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400002

msgId 1..1 HDNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

value 1..1 00030

4.5.1 Name of the property name 1..n EXPIREAFTER

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5.1.2 Name of the Payer name 1..1

seqNum 1..1

5.1.4 Type of the Payer type 1..1

code 1..1

6.2.1 Address of the Payee addr 1..1 zeeshan@hdfc

seqNum 1..1 1

code 1..1 4814

7.3.3 Id Id 1.1 7389923983430

<Payee.Device> 1..1

7.6 Device Tag <Payee.Device.Tag>

<Payee.Ac> 1..1

7.8.4 Value of the property value 1..n ICIC0288100

<Payee.Amount> 1..1

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<upi:ReqAuthDetails xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:40+05:30" orgId="400001" msgId="NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your Taxi trip Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="Collect"> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="NPCI" type="TXNRISK" value="00030"/> </RiskScores> <Rules> <Rule name="EXPIREAFTER" value="10080"/>  </Rules> </Txn> <Payer addr="rohit.patekar@sbi" name="" seqNum="1" type="" code=""> </Payer> <Payees> <Payee seqNum="1" addr="zeeshan.khan@hdfc" name="Zeeshan Khan" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqAuthDetails>

1.1 API Name <upi> 1..1 ReqAuthDetails

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

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ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.5.1 Name of the property Name 1..n EXPIREAFTER

4.1.2 Name of the Payer Name 1..1

seqNum 1..1 1

4.1.4 Type of the Payer Type 1..1

Code 1..1

5.2.1 Address of the Payee Addr 1..1 zeeshan@hdfc

5.2.2 Name of the Payee Name 1..1 Zeeshan Khan

seqNum 1..1 1

Code 1..1 4814

6.3.3 Id Id 1.1 7389923983430

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<Payee.Amount> 1..1

<upi:RespAuthDetails xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400003" msgId="SBNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Resp reqMsgId="NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""/> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM " note="Your Taxi trip Bill" refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="Collect"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="NPCI" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="rohit.patekar@sbi" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.88888"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.24"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="900c6be276f1c4b5c9912b95a5742fc5"/> <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="UBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

<Data> base-64 encoded and encrypted</Data> #data includes <code><delimeter><Ki>[base 64 encoded]<delimeter><Transaction Id><delimiter><Common library version><delimiter><Captured credential><delimiter><Transaction amount><delimiter><Random number>[encrypted] ,"|" to be used as delimiter

</Cred> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees>

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ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400003

<Txn> 1..1

id 1..1 1524104355706

ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

5.1.2 Name of the Payer name 1..1 Rohit Patekar

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seqNum 1..1 1

5.3.2 Name as per the identifier verifiedName 1..1 rohit.patekar@sbi 5.3.3 Id Id 1.1 8392389838

<Payer.Device> 1..1

5.7 Only one entity is allowed for a payer <Payer.Ac> 1..1

5.8.4 Value of the property value 1..n UBIN0288100

<Payer.Creds> 1..1

type 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

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6.4.3 Id Id 1.1 7389923983430

<Payee.Amount> 1..1

5.6 ReqPay_NPCI_DEBIT_REQ(UPI to PAYER BANK)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGCY7JGUV444PL9Z2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="DEBIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="rohit.patekar@sbi" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.88888"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.24"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="900c6be276f1c4b5c9912b95a5742fc5"/> <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="UBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

<Data> base-64 encoded and encrypted</Data> #data includes <code><delimeter><Ki>[base 64 encoded]<delimeter><Transaction Id><delimiter><Common library version><delimiter><Captured credential><delimiter><Transaction amount><delimiter><Random number>[encrypted] ,"|" to be used as delimiter

</Cred> <Amount value="4000" curr="INR">

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</Amount> </Payer> <Payees> <Payee seqNum="1" addr="zeeshan.khan@hdfc" name="Zeeshan Khan" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="ICIC0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

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orgTxnId 1..1

value 1..1 00030

5.1.2 Name of the Payer name 1..1 Rohit Patkar

seqNum 1..1 1

code 1..1 4814

5.3.2 Name as per the identifier verifiedName 1..1 Rohit Patkar

5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

<Payer.Creds> 1..1

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subtype 1.1 NA

<Payer.Amount> 1..1

6.2.1 Address of the Payee Addr 1..1 Zeeshan.khan@hdfc

seqNum 1..1 1

Code 1..1 4814

6.4.3. Id Id 1.1 8392389838

<Payee.Ac> 1..1

5.7 RespPay_NPCI_DEBIT_REQ_RES(PAYER BANK to UPI)

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:54+05:30" orgId="400003" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QN"/> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill "

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refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="DEBIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGCY7JGUV444PL9Z2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYEE" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000" settCurrency="INR" acNum="2678892001828" approvalNum="" respCode=""/> <Ref type="PAYER" seqNum="1" addr="rohit.patekar@sbi" settAmount="4000" settCurrency="INR" acNum="5678892001828" approvalNum="7786787865" respCode="00"/> </Resp> </upi:RespPay>

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

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5.8 ReqPay_NPCI_CREDIT_REQ(UPI to PAYEE BANK)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:35+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGPY7JGUV424PL9Z2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your Taxi trip Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="CREDIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="rohit.patekar@sbi" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.88888"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.24"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="900c6be276f1c4b5c9912b95a5742fc5"/> <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Creds> <Cred type="PreApproved" subType="NA">

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<Data> base-64 encoded</Data> #data includes respCode and approvalRef RES|A12345 </Cred> </Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee seqNum="1" addr="zeeshan.khan@hdfc" name="Zeeshan Khan" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="ICIC0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

Ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

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Note 1..1 Your taxi trip Bill

refId 1..1

Ts 1..1 2015-02-16T22:02:35+05:30

4.1.6 Type of the Transaction Type 1..1 CREDIT

orgTxnId 1..1

Value 1..1 00030

5.1.2 Name of the Payer Name 1..1 Rohit Patekar

seqNum 1..1 1

Code 1..1 4814

5.3.2 Name as per the identifier verifiedName 1..1 rohit.patekar@sbi

5.3.3. Id Id 1.1 8392389838

<Payer.Device> 1..1

<Payer.Ac> 1..1

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<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

5.13 Information if the debit is already authorized

5.13.1 Response Code respCode 1.1 00

5.13.2 Approval Reference approvalRef 1.1 7786787860

seqNum 1..1 1

code 1..1 4814

7.3.3 Id Id 1.1 7389923983430

<Payee.Ac> 1..1

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<Payee.Amount> 1..1

5.9 RespPay_NPCI_CREDIT_REQ_RES(PAYEE BANK to UPI)

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400002" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your Taxi trip Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="CREDIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGPY7JGUV424PL9Z2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYEE" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

<Txn> 1..1

note 1..1 Your Taxi trip Billl

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refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.5.1 Customer type type 1..1 PAYEE

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:52+05:30" orgId="400001" msgId="NPCSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Your Taxi Trip Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="Collect"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HDNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="rohit.patekar@sbi" settAmount="4000" settCurrency="INR" approvalNum="9399389827" respCode="00"/> # this will indicate that debit has happened <Ref type="PAYEE" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000" settCurrency="INR" approvalNum="" respCode=""/> # PAYEE PSP will do the credit and complete the transaction. </Resp> </upi:RespPay>

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ts 1..1 2015-02-16T22:02:52+05:30

orgId 1..1 400001

msgId 1..1 NPCSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

<Txn> 1..1

note 1..1 Your Taxi trip Bill

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.4.1 Request Message identifier reqMsgId 1..1 HDNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

3.5.3 Payment address addr 1..1 rohit.patekar@sbi

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5.11 ReqTxnConfirmation(UPI to PAYER BANK)

<upi:ReqTxnConfirmation xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:03:00+05:30" orgId="400001" msgId="HPDSFVC2QOS7X1UGPY2JGUV454YC8T2C6QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill" refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="TxnConfirmation" orgTxnId="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" /> <TxnConfirmation note="Restaurant Bill" orgStatus="SUCCESS" orgErrCode=”” type="COLLECT" orgTxnId="9ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" />

5.12 RespTxnConfirmation(PAYER BANK to UPI)

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CASE 6

FOUR PARTY MODEL – Pay Request [Payer PSP, Remitter/PAYER Bank and Payee

PSP & Beneficiary/PAYEE Bank]

6.1 Flow:

1. Customer initiates a pay Request by entering the Virtual Address of the Payee

customer.

2. Payer PSP sends the ReqPay message to UPI

3. UPI sends ReqAuthDetails message to the respective Payee PSP.

4. Payee PSP validates the Address and responds back with the financial address of the Payee in the RespAuthDetails message to UPI.

5. UPI sends a debit request to Payer BANK 6. Payer BANK debits the account of the customer and responds back to UPI 7. UPI sends a credit request to the Beneficiary Bank based on the financial

address of the Payee 8. Beneficiary Bank credits the customer’s account and responds back with

successful credit to UPI 9. UPI sends a successful confirmation to the Payer PSP 10. UPI Sends ReqTxnConfirmation message to Payee PSP 11. Payer PSP sends the confirmation to the customer.

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6.2 ReqPay (PSP1 to UPI System)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:35+05:30" orgId="400002" msgId="HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="PAY" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="ICIC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

<Data> base-64 encoded and encrypted</Data> #data includes <code><delimeter><Ki>[base 64 encoded]<delimeter><Transaction Id><delimiter><Common library version><delimiter><Captured credential><delimiter><Transaction amount><delimiter><Random number>[encrypted] ,"|" to be used as delimiter and order of the elements should be same.

</Cred> </Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="" seqNum="1" type="" code=""> </Payee> </Payees> </upi:ReqPay>

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Ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400002

<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

Ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

Value 1..1 00030

seqNum 1..1 1

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Code 1..1 4814

5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

5.8.1 Name of the property Name 1..n ACTYPE

5.8.2 Value of the property Value 1..n SAVINGS

5.8.3 Name of the property Name 1..n IFSC

5.8.4 Value of the property Value 1..n ICIC0288100

5.8.5 Name of the property Name 1..n ACNUM

<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

6.2.4 Type of the Payee Type 1..1

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6.3 MSG_ACK(to be sent for every message)

<upi:Ack xmlns:upi="" api="" reqMsgId="" err="" ts=""/>

Sample Value

2.1.1 Version of the API ver 1..1 1

ts 1..1 2015-02-16T22:02:45+05:30

orgId 1..1 400001

<Txn> 1..1

Code 1..1

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Sample Value

ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

4.3.3 Identifier Id 1.1 7389923983430

<Payer.Amount> 1..1

seqNum 1..1 1

code 1..1

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<upi:RespAuthDetails xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:45+05:30" orgId="400003" msgId="SBNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Resp reqMsgId="NPNSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode=""/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="PAY"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="NPCI" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814"> #mcc has to be populated <Info> <Identity type="ACCOUNT" verifiedName="Rohit Patekar" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="UBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:RespAuthDetails>

ts 1..1 2015-02-16T22:02:45+05:30

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orgId 1..1 400003

<Txn> 1..1

ref 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

seqNum 1..1 1

5.3.3 Id Id 1.1 7389923983430

<Payer.Amount> 1..1

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seqNum 1..1 1

6.4.3 Id Id 1.1 8392389838

<Payee.Amount> 1..1

6.6 ReqPay_NPCI_DEBIT_REQ(UPI to PAYER BANK)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:48+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QZ"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="DEBIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info> <Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/>

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<Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="ICIC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PIN" subType="MPIN">

<Data> base-64 encoded and encrypted</Data> #data includes [<Transaction Id><delimiter><Common library version><delimiter><Captured credential><delimiter><Transaction amount><delimiter><Random number> ,"|" to be used as delimiter

</Cred>

</Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814">#mcc has to be populated <Info> <Identity type="ACCOUNT" verifiedName="Rohit Patekar" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="UBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

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<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

5.3.3. Id Id 1.1 7389923983430

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<Payer.Device> 1..1

<Payer.Ac> 1..1

<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

Code 1..1 4814

6.4.3. Id Id 1.1 8392389838

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<Payee.Ac> 1..1

6.7 RespPay_NPCI_DEBIT_REQ_RESP(PAYER BANK to UPI)

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:54+05:30" orgId="400002" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="DEBIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QZ" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

<Txn> 1..1

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refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

6.8 ReqPay_NPCI_CREDIT_REQ(UPI to PAYEE BANK)

<upi:ReqPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:54+05:30" orgId="400001" msgId="HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QM"/> <Meta> <Tag name="PAYREQSTART" value="2015-02-16T22:02:00+05:30"/> <Tag name="PAYREQEND" value="2015-02-16T22:02:35+05:30"/> </Meta> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId="" refUrl="" ts="2015-02-16T22:02:35+05:30" type="CREDIT" orgTxnId=""> <RiskScores> <Score provider="psp1" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Payer addr="zeeshan.khan@hdfc" name="Zeeshan Khan" seqNum="1" type="PERSON" code="4814"> <Info>

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<Identity type="ACCOUNT" verifiedName="Zeeshan Khan" id="7389923983430"/> <Rating verifiedAddress="TRUE"/> </Info> <Device> <Tag name="MOBILE" value="+91.99999.00000"/> <Tag name="GEOCODE" value="288177"/> <Tag name="LOCATION" value="Mumbai,Maharashtra" /> <Tag name="IP" value="124.170.23.22"/> <Tag name="TYPE" value="mob"/> <Tag name="ID" value="750c6be243f1c4b5c9912b95a5742fc5"/> #device advertising id <Tag name="OS" value="android"/> <Tag name="APP" value="NPCIAPP"/> <Tag name="CAPABILITY" value="5200000200010004000639292929292"/> </Device> <Ac addrType="ACCOUNT"> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="IFSC" value="HDFC0288100"/> <Detail name="ACNUM" value="2678892001828"/> </Ac> <Creds> <Cred type="PreApproved" subType="NA"> <Data> base-64 encoded</Data> #data includes respCode and approvalRef RES|A12345 </Cred> </Creds> <Amount value="4000" curr="INR"> </Amount> </Payer> <Payees> <Payee addr="rohit.patekar@sbi" name="Rohit Patekar" seqNum="1" type="PERSON" code="4814">#mcc has to be populated <Info> <Identity type="ACCOUNT" verifiedName="Rohit Patekar" id="8392389838"/> <Rating verifiedAddress="TRUE"/> </Info> <Ac addrType="ACCOUNT"> <Detail name="IFSC" value="SBIN0288100"/> <Detail name="ACTYPE" value="SAVINGS"/> <Detail name="ACNUM" value="5678892001828"/> </Ac> <Amount value="4000" curr="INR"> </Amount> </Payee> </Payees> </upi:ReqPay>

ts 1..1 2015-02-16T22:02:35+05:30

orgId 1..1 400001

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<Meta> 0..1

<Meta.Tag> 0..1

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

orgTxnId 1..1

value 1..1 00030

seqNum 1..1 1

code 1..1 4814

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5.3.3. Id Id 1.1 7389923983430

<Payer.Device> 1..1

<Payer.Ac> 1..1

<Payer.Creds> 1..1

subtype 1.1 NA

<Payer.Amount> 1..1

seqNum 1..1 1

Code 1..1 4814

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6.4.3. Id Id 1.1 8392389838

<Payee.Ac> 1..1

6.9 RespPay_NPCI_CREDIT_REQ_RES(PAYEE BANK to UPI)

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:56+05:30" orgId="400003" msgId="NENSVVR4QOS7X1UGPY7JGUV424PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="CREDIT"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QZS7X1UGPY7JGUV444PL9Z2C3QM" result="SUCCESS" errCode=""> <Ref type="PAYER" seqNum="1" addr="zeeshan.khan@hdfc" settAmount="4000"

ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400002

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<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

<upi:RespPay xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:02:59+05:30" orgId="400001" msgId="NENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill " refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="PAY"> <RiskScores> <Score provider="psp2" type="TXNRISK" value="00030"/> <Score provider="npci" type="TXNRISK" value="00030"/> </RiskScores> </Txn> <Resp reqMsgId="HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" result="SUCCESS" errCode="">

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ts 1..1 2015-02-16T22:02:48+05:30

orgId 1..1 400001

<Txn> 1..1

refId 1..1

ts 1..1 2015-02-16T22:02:35+05:30

value 1..1 00030

3.4.1 Request Message identifier reqMsgId 1..1 HENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM

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<upi:ReqTxnConfirmation xmlns:upi="http://npci.org/upi/schema/"> <Head ver="1.0" ts="2015-02-16T22:03:00+05:30" orgId="400001" msgId="HPDSFVC2QOS7X1UGPY2JGUV454YC8T2C6QM"/> <Txn id="8ENSVVR4QOS7X1UGPY7JGUV444PL9T2C3QM" note="Restaurant Bill" refId=““ refUrl=““ ts="2015-02-16T22:02:35+05:30" type="TxnConfirmation" orgTxnId="HPDSFVC2QOS7X1UGPY2JGUV458PL8T2C6QM"/> <TxnConfirmation note="Restaurant Bill" orgStatus="SUCCESS" orgErrCode=”” type="PAY" orgTxnId="HPDSFVC2QOS7X1UGPY2JGUV458PL8T2C6QM" />

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