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Subset A iOS
Subset B CL 1.5 (as ACQUIRER)
Subset C CL 1.5 (as ISSUER)
Subset D CL 1.5 (ISSUER + ACQUIRER)
Subset E USSD only testing (as ISSUER)
Subset F USSD only testing (as ACQUIRER)
Subset G USSD only testing (ISSUER + ACQUIRER)
Subset H Aadhaar & Aadhar+IIN cases ACQUIRER
Subset I Aadhaar & Aadhar+IIN cases ISSUER
Subset J Aadhaar & Aadhar+IIN cases (ISSUER + ACQUIRER)
Subset K Mobile & Mobile + MMID ACQUIRER
Subset L Mobile & Mobile + MMID ISSUER
Subset M Mobile & Mobile + MMID (ACCQUIRER +ISSUER)
Subset N Web Collect(Acquirer)
Subset O Web Collect(Issuer)
Subset P Web Collect(Acquirer+ Issuer)
Subset Q ND+NC+NO+OD+OC
Subset R Multiple Payee (Acquirer)
Subset S Multiple Payee(Issuer)
Subset T Multiple Payee(Acquirer + Issuer)
Subset U Min Amount(Acquirer)
Subset-W
Mandate ( Issuer )
Subset-X
Mandate ( Issuer + Acquirer)
Subset-Y Mobile Banking Acquirer(Refer to the steps PR_0
9)
15
25
12
1
3
4
5
125
27
185
33
21
HOME
USSD only
CL 1.5 USSD only USSD only
CL 1.5 CL 1.5 testing
iOS (ISSUER + testing testing
(ACQUIRER) (ISSUER) (ISSUER +
ACQUIRER) (ISSUER) (ACQUIRER) ACQUIRER)
MT_10
MT_9 MT_10
MT_9
MT_11 MT_10
MT_11 MT_10
MT_20
MT_16 MT_20
MT_16
MT_22 MT_20
MT_25 MT_20
Mobile &
Aadhaar & Aadhaar & Aadhaar & Mobile & Mobile & Mobile+MM Web
Aadhar+IIN Aadhar+IIN Aadhar+IIN cases Mobile+MMID Mobile+M ID cases Collect
cases cases (ISSUER + cases MID cases (ISSUER + (Acquirer)
(ACQUIRER) (ISSUER) ACQUIRER) (ACQUIRER) (ISSUER) ACQUIRER)
BE_5 MT_18
MT_19
MT_24
PE_1
PE_5
PE_15
Subset-O Subset-P Subset-Q Subset-R Subset-S Subset-T Subset-U Subset -V
UPI 2.0
(FIR+Pre-
Web ND+NC+N Multiple
Web Multiple Payee Min approved+
Collect O+OD+OC Payee Multiple Payee (Acquirer +
Collect (Acquirer Amount versioning+
(Issuer)
(Issuer) + Issuer) cases (Acquirer) Issuer) (Acquirer) new spec
changes+CS-
respCode)
BE_10
PE_1 PE_19 MT_48
BE_10
MT_61
BE_11 MT_62
BE_12 MT_63
BE_13 MT_64
BE_15 MT_65
BE_17 MT_66
BE_19 MT_67
BE_20
MT_68
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0
PR_10
1
PR_10
2
PE_20
PE_21
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PE_25
PE_30
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PE_32
PE_33
PE_34
PE_35
PE_36
PE_37
PE_38
PE_39
PE_40
PE_41
PE_42
PE_43
PE_44
PE_45
RE_39
RE_58
RE_59
RE_60
RE_61
BE_25
BE_34
BE_35
BE_36
BE_37
BE_38
BE_39
BE_40
BE_41
BE_42
PR_69
PR_70
PE_29
RE_56
RE_57
BE_26
BE_27
BE_28
BE_29
BE_30
BE_31
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BE_33
Subset -W Subset-X Subset-Y Subset-Z
Mobile Assisted
Banking Model
Mandate Mandate
( Issuer + Acquirer) Acquirer Acquirer
( Issuer ) (Refer to the (Refer to the
steps PR_09) steps PR_09 )
MA_MT_RE_1 MA_MT_PR_1
MT_0
1 MT_0
1
MA_MT_RE_2 MA_MT_PR_2
MT_0
2 MT_0
2
MA_MT_RE_3 MA_MT_PR_3
MT_0
5 MT_0
5
MA_MT_RE_4 MA_MT_PR_4
MT_17 MT_17
MA_MT_RE_5 MA_MT_PR_5
MT_18 MT_18
MA_MT_RE_6 MA_MT_PR_6
MT_19 MT_19
MA_MT_RE_7 MA_MT_PR_7
MT_24 MT_24
MA_MT_RE_8 MA_MT_PR_8
PR_0
1 PR_0
1
MA_MT_RE_9 MA_MT_PR_9
PR_0
4 PR_0
3
MA_MT_RE_10
MA_MT_PR_10
PR_0
6 PR_0
6
MA_MT_RE_11 MA_MT_PR_11
PR_0
9 PR_13
RE_40
MA_MT_PR_12 PR_13 PR_14
RE_41 MA_MT_PR_13 PR_14 PR_26
RE_42 MA_MT_PR_14 PR_15 PR_27
RE_43 MA_MT_PR_15 PR_17 PR_29
RE_44 MA_MT_PR_16 PR_18 PE_0
4
RE_45 MA_MT_PR_17 PR_19 PE_0
9
RE_46 MA_MT_PR_18 PR_20
PE_10
MA_MT_PR_29 PE_11
MA_MT_PR_30
PE_13
MA_MT_PR_31 PE_14
MA_MT_PR_32 PE_15
MA_MT_PR_33 PE_19
MA_MT_PR_34
MA_MT_PR_35
MA_MT_PR_36
MA_MT_PR_37
MA_MT_PR_38
MA_MT_PR_39
MA_MT_PR_40
MA_MT_PR_41
MA_MT_PR_42
MA_MT_PR_43
MA_MT_PR_44
MA_MT_PR_45
MA_MT_PR_46
MA_MT_PR_47
MA_MT_PR_48
MA_MT_PR_49
MA_MT_PR_50
MA_MT_PR_51
MA_MT_PR_52
MA_MT_PR_53
MA_MT_PR_54
MA_MT_PR_55
MA_MT_PR_56
MA_MT_PR_57
MA_MT_PR_58
MA_MT_PR_59
MA_MT_PR_60
MA_MT_PR_61
MA_MT_PR_62
MA_MT_PR_63
MA_MT_PR_64
MA_MT_PE_1
MA_MT_PE_2
MA_MT_PE_3
MA_MT_PE_4
MA_MT_PE_5
MA_MT_PE_6
MA_MT_PE_7
MA_MT_PE_8
MA_MT_PE_9
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MA_MT_PE_24
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MA_MT_PE_30
MA_MT_PE_31
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MA_MT_PE_33
MA_MT_PE_34
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MA_MT_PE_36
MA_MT_PE_37
MA_MT_PE_38
MA_MT_PE_39
MA_MT_PE_40
MA_MT_PE_41
MA_MT_PE_42
MA_MT_PE_43
MA_MT_PE_44
MA_MT_PE_45
MA_MT_PE_46
MA_MT_PE_47
MA_MT_PE_48
MA_MT_RE_1
MA_MT_RE_2
MA_MT_RE_3
MA_MT_RE_4
MA_MT_RE_5
MA_MT_RE_6
MA_MT_RE_7
MA_MT_RE_8
MA_MT_RE_9
MA_MT_RE_10
MA_MT_RE_11
MA_MT_RE_12
MA_MT_RE_13
MA_MT_RE_14
MA_MT_RE_15
MA_MT_RE_16
PR_46
PR_47
PR_48
PR_49
PR 50
PR 51
PR 52
PR 53
PR 54
PR 55
PR 56
PR 57
PR 58
PR 59
PR 60
PR 61
PR 62
PR 63
PR 64
PR 65
PR 66
PR 67
PR 68
PR_10
3
PR_10
4
PR_10
5
PE 27
PE 28
PE_46
PE_47
RE_40
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BE_43
S.No TEST ID API DETAILS
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API Name : ReqManageVae
Type : ManageVae
Entity Involved : Acquirer
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43 MT_44
44 MT_45
API Name : ReqChkTxn
Type : ChkTxn
Entity Involved : Acquirer
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46 MT_47
47 MT_48
50
MT_51
API NAME :ReqListKeys
TYPE : ListKeys
ENTITY INVOLVED :
Acquirer
51 MT_52
52 MT_53
53 MT_54
55 MT_56
57 MT_58
API NAME : ReqOTP
TYPE : Otp
ENTITY INVOLVED: Acquirer
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60
MT_61
62 MT_63
63 MT_64
64 MT_65
API Name : ReqListPsp
Type : ListPsp
Entity Involved : Acquirer
65 MT_66
73 MT_74
74 MT_75
HOME
DESCRIPTION
This API is a mechanism for UPI system monitoring (monitoring
connection with PSPs)
(Note:
Scenario1. PSP Should fire ReqHbt.
Scenario2. If NPCI send ReqHbt, the PSP should send the RespHbt)
This API allows the PSPs to request for the list of all registered PSPs for
local caching.
This API allows the PSPs to request for and cache the list of public keys of
UPI.
This API allows the PSPs to request for an OTP for a particular customer
This API allows the customer to set new UPI PIN for the first time and
resetting the forgotten UPI PIN.
This API allows the customer to set new UPI PIN for the first time. (expired
card details). Response code - XL
This API allows PSPs to find the list of accounts linked to the mobile by an
account provider. Verifying dlength, dtype of MPIN
This API is required for providing a unified channel for setting and
changing UPI PIN
This API allows the PSPs to request for the status of the transaction. The
PSPs must request for status only after the specified timeout period.
This API will be used by the PSPs when their customer wants to add a
beneficiary within PSP application (for sending & collecting money).
This API Allows PSP to Request for Balance enquiry for a user - No of Pin
tries exceeded. Response code - Z6
This API will be used by the PSPs when their customer wants to add a
beneficiary within PSP application (for sending & collecting money). -
Invalid VPA. Response code - ZH
This API allows PSPs to find the list of accounts linked to the mobile by an
account provider. Mobile number registered with multiple customer IDs
-BR
This API Allows PSP to Request for Balance enquiry for a user - UPIPIN not
set by customer -AM
This API allows PSPs to find the list of accounts linked to the mobile by an
account provider.
Account linked with multiple names -B2
(NOTE:
1. In the ReqRegMob, if bank/PSP is supporting FORMAT2, cred block
should only contain MPIN & ATM PIN along with the "dType" and
"dLength" value)
(NOTE:
1. In the ReqRegMob, if bank/PSP is supporting FORMAT2, cred block
should only contain OTP,MPIN & ATM PIN )
This API allows the customer to change UPI PIN and resetting the UPI PIN.
(Pre-Requisite:
FORMAT1: Use IFSC="AABD" in the ReqListAccount
FORMAT2: Use IFSC="AABE" in the ReqListAccount)
This API allows the customer to set new UPI PIN for the first time and
resetting the forgotten UPI PIN.
This API allows the customer to set new UPI PIN for the first time and
resetting the forgotten UPI PIN.
This API allows the customer to set new UPI PIN for the first time and
setting the forgotten UPI PIN.
Pre-Requesite:
Scenario1: If the issuer bank is supporting OTP flow, then the bank should
validate the OTP and MPIN cred value.
Scenario2: If the issuer bank is not supporting OTP flow, then the bank
should validate the MPIN cred value.
Payer PSP should accept the list of merchant's details and key
value which is base 64 encoded format from UPI
This API allows the PSPs to request for public key of specific
pspOrgId .
In ReqListKeys type = ”ListPspKeys” pspOrgId =”100002 ” . Will
retrieve the public key of corresponding pspOrgId
This API allows PSPs to find the list of accounts linked to the mobile
by an account provider. The purpose of the case is to check,
whether the PSP can accept the below format or not.
Bank will send ResplistAccount with the account type as NRE|
NRO|CREDIT|PPIWALLET|BANKWALLET
This API allows the customer to change UPI PIN and resetting the
UPI PIN.PSP sends ReqSetCre with the account type as NRE|NRO|
CREDIT|PPIWALLET|BANKWALLET.
This API allows the PSPs to request for an OTP for a particular
customer along with card details
NOTE: OTP should be auto-populated by the PSP app
This API allows the PSPs to request for an OTP for a particular
customer. Bank will send the response in RespOTP API with
securePinUrl
This API Allows PSP to Request for Balance enquiry for a user. PSP
can initiate ReqBalEnq api to UPI with the account type as NRE|
NRO|CREDIT|PPIWALLET|BANKWALLET .
This API Allows PSP to Request for Balance enquiry for a user. If in
ReqBal type = BalChk
This API Allows PSP to Request for Balance enquiry for a user. If in
ReqBal type = BalChk
Payer PSP should accept the list of bank details with the version
supported tag from UPI
Note:
1. If the psp url and header version is not in ver1.0
. UPI will decline with
negative ACK="UH1"
Note:
1. If the psp url and header version is not in ver1.0
. UPI will decline with
negative ACK="UH1"
Note:
1. If the psp url and header version is not in ver1.0
. UPI will decline with
negative ACK="UH1"
Note:
1. If the psp url and header version is not in ver1.0
. UPI will decline with
negative ACK="UH1"
If payer psp is live in 2.0
and remitter bank is live in ver 1.0
Note:
1. If the payer psp is in ver2.0
, but the remitter bank is in ver1.0
, UPI will
downgrade and pass success
2. Payer psp has to accept the response in ver1.0
and also sends ack in
ver1.0
This API allows PSPs to find the list of accounts linked to the mobile
by an account provider. The purpose of the case is to check,
whether the PSP can accept the below format or not.
Bank will send ResplistAccount with the account type as "SOD|
UOD"
This API Allows PSP to Request for Balance enquiry for a user. PSP
can initiate ReqBalEnq api to UPI with the account type as "SOD|
UOD" .
HOME
TEST STEPS STATUS PAYER PAYEE REMITTER
Scenario1:
1. PSP sends ReqHbt api to UPI.
2. UPI sends ack to PSP.
3. UPI sends RespHbt api to PSP.
4. PSP sends ack to UPI.
Scenario2:
1. UPI sends ReqHbt api to PSP
2. PSP sends ack to UPI
3. PSP sends RespHbt api to UPI Success Y Y Y
4. UPI sends ack to PSP
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP.
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Bank.
4. UPI sends Success Y Y Y
RespOTP to PSP and PSP sends ack to UPI.
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP.
2. UPI forwards ReqOTP to Bank and bank sends
Ack to UPI
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Bank.
4. UPI sends RespOTP to PSP and PSP sends ack to UPI.
5. PSP sends ReqRegMob api to UPI and UPI sends ack to PSP.
Success Y Y Y
6. UPI forwards ReqRegMob to Bank and bank sends Ack to UPI
7. Bank sends the RespRegMob to UPI and UPI sends Ack to Bank.
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Bank.
4. UPI sends
RespOTP to PSP and PSP sends ack to UPI.
5. PSP sends ReqRegMob api to UPI along with the recieved OTP and Failure Y Y Y
UPI sends ack to PSP.
6. UPI forwards ReqRegMob to Bank and bank sends Ack to UPI
7. Bank sends the RespRegMob with failure response stating that OTP
TRANSACTION LIMIT EXCEEDED to UPI and UPI sends Ack to Bank.
response code:ZT
8. UPI sends failure RespRegMob to PSP and PSP sends ack to UPI.
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP.
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Bank.
4. UPI sends
RespOTP to PSP and PSP sends ack to UPI.
5. PSP sends ReqRegMob api to UPI along with the recieved OTP and Failure Y Y Y
UPI sends ack to PSP.
6. UPI forwards ReqRegMob to Bank and bank sends Ack to UPI
8. UPI sends failure RespRegMob to PSP and PSP sends ack to UPI.
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP.
2. UPI forwards ReqOTP to Bank and bank sends
Ack to UPI 3. Bank sends the
RespOTP Success to UPI and UPI sends Ack to Bank.
4. UPI sends RespOTP to PSP and
PSP sends ack to UPI.
5. PSP sends ReqRegMob api to UPI along with the recieved OTP and
UPI sends ack to PSP.
6. UPI forwards ReqRegMob to Bank and bank sends Ack to UPI
7. Bank sends the RespRegMob with failure response stating that OTP
has been expired to UPI and UPI sends Ack to Bank. response code:ZS Failure Y Y Y
8. UPI sends failure RespRegMob to PSP and PSP sends ack to UPI.
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP.
2. UPI forwards ReqOTP to Bank and bank sends
Ack to UPI 3. Bank sends the
RespOTP Success to UPI and UPI sends Ack to Bank.
4. UPI sends RespOTP to PSP and
PSP sends ack to UPI.
5. PSP sends ReqRegMob api to UPI and UPI sends ack to PSP. Failure Y Y Y
7. Bank sends the RespRegMob to UPI and UPI sends Ack to Bank with
response code - XL
8. UPI sends RespRegMob to PSP and PSP sends ack to UPI.
1. PSP sends ReqListAccount api to UPI and UPI sends ack to PSP.
1. PSP sends ReqListAccount api to UPI and UPI sends ack to PSP.
3. Bank sends the RespListAccount to UPI with all the accounts listed
and registered with mobile banking-USSD ( mbeba - Y), UPI PIN is
present. In case of N (mbeba-N),UPI PIN is not present.
Success Y Y Y
4. UPI sends RespListAccount to PSP . It should be reflected accordingly
on the application.
1. PSP sends ReqSetCre api to UPI and UPI sends ack to PSP.
7. Bank sends the RespRegMob to UPI with response code-YE and UPI
sends Ack to Bank.
Failure Y Y Y
1. PSP sends ReqListAccount api to UPI and UPI sends ack to PSP.
7. Bank sends the RespRegMob to UPI with response code-SP and UPI
sends Ack to Bank.
7. Bank sends the RespRegMob to UPI with response code-AJ and UPI
sends Ack to Bank.
3. Bank sends the RespSetCre Success to UPI and UPI sends Ack to Bank.
4. UPI sends
RespSetCre to PSP and PSP sends ack to UPI.
Success Y Y Y
1. PSP sends ReqListAccount api to UPI and UPI sends ack to PSP.
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP.
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Bank. Failure Y Y Y
4. UPI sends
RespOTP to PSP and PSP sends ack to UPI.
5. PSP sends ReqRegMob api to UPI and UPI sends Negative ACK with
error code="U76"
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP.
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Bank. Failure Y Y Y
4. UPI sends
RespOTP to PSP and PSP sends ack to UPI.
5. PSP sends ReqRegMob api to UPI and UPI sends Negative ACK with
error code="U76"
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP. (only
applicable if issuer supports OTP over USSD channel, otherwise only
card number, expiry date followed by UPI PIN is asked to USSD user)
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Bank.
4. UPI sends
RespOTP to PSP and PSP sends ack to UPI.
5. PSP sends ReqRegMob api to UPI and UPI sends ack to PSP.
6. UPI forwards ReqRegMob to Bank and bank sends Ack to UPI Success Y Y Y
7. Bank sends the RespRegMob to UPI and UPI sends Ack to Bank.
1. PSP sends ReqValAdd api to UPI and UPI sends ack to PSP. Success Y Y Y
3. Bank sends the RespValAdd Success to UPI and UPI sends Ack
to PSP.
4. UPI sends RespValAdd to PSP with and PSP sends ack to UPI.
1. PSP sends ReqValAdd api to UPI and UPI sends ack to PSP. Success Y Y Y
NOTE: If PSP fails to send the Initiation mode to UPI, then UPI
will send negative ack (IM0)
1. PSP sends ReqChkTxn api to UPI and UPI sends ack to PSP. Success Y Y Y
1. PSP sends ReqChkTxn api to UPI and UPI sends ack to PSP. Success Y Y Y
NOTE: If UPI fails to send the Initiation mode , then psp will
send negative ack (IM0)
1. PSP sends ReqChkTxn api to UPI and UPI sends ack to PSP. Success Y Y Y
1. PSP sends ReqListVae api to UPI and UPI sends ack to PSP. Success Y Y Y
3. UPI sends RespListKeys api with the public key of all psp to
PSP.
4.PSP sends ack to UPI. Success Y Y N
1. PSP sends ReqListAccount api to UPI and UPI sends ack to PSP.
1. PSP sends ReqValAdd api to UPI and UPI sends ack to PSP. Success Y Y Y
3. Bank sends the RespSetCre Success to UPI and UPI sends Ack
to Bank. Success Y Y Y
4. UPI sends RespSetCre to PSP and PSP sends ack to UPI.
1. PSP sends ReqChkTxn api to UPI and UPI sends ack to PSP. Success Y Y Y
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Success Y Y Y
Bank.
4. UPI sends RespOTP to PSP and PSP sends ack to UPI.
1. PSP sends ReqOTP api with the card Details to UPI and UPI
sends ack to PSP.
2. UPI forwards ReqOTP to Bank and bank sends Ack to UPI
3. Bank sends the RespOTP Success to UPI and UPI sends Ack to Success Y Y Y
Bank.
4. UPI sends RespOTP to PSP and PSP sends ack to UPI.
1. PSP sends ReqOTP api to UPI and UPI sends ack to PSP.
3. Bank sends the RespOTP Success with securePinUrl to UPI and Success Y Y Y
UPI sends Ack to Bank.
4. UPI sends RespOTP to PSP and PSP sends ack
to UPI.
1. PSP sends ReqBalEnq api with the account type as NRE|NRO|
CREDIT|PPIWALLET|BANKWALLET to UPI and UPI sends ack to
PSP.
2. UPI forwards ReqBalEnq to Bank and bank sends Ack to UPI
3. Bank sends the RespBalEnq Success to UPI and UPI sends Ack Success Y Y Y
to Bank
4. UPI sends RespBalEnq to PSP and PSP sends ack to UPI.
3. Bank sends the RespBalEnq CRED block should come the value
should be “Y” and if the result=FAILURE then the data value Success Y Y Y
should be “N” to UPI and UPI sends Ack to Bank
4. UPI sends
RespBalEnq to PSP and PSP sends ack to UPI.
1. PSP sends ReqListPsp api to UPI and UPI sends ack to PSP. Success Y Y Y
1. PSP sends ReqListAccPvd api to UPI and UPI sends ack to PSP. Success Y Y Y
Success Y Y N
Success Y Y N
4. UPI forwards the same response to psp and also expects the AKC
from psp in ver 2.0
Success Y Y N
4. UPI forwards the same response to psp and also expects the AKC
from psp in ver 1.0
Success Y Y N
1. Payer psp should initiate a request in ver2.0
.
2. UPI validate the versioning and downgrade the version into 1.0
and
forwards the request in ver 1.0
to Remitter bank
3. Remitter bank sends the response in ver 1.0
.
4. UPI forwards the same response to Payer psp ver 1.0
success Y Y N
1. PSP sends ReqListAccount api to UPI and UPI sends ack to PSP.
Acquirer
Y and Issuer
N Acquirer
N Acquirer
N Acquirer
N Acquirer
Acquirer
N and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
N and Issuer
Acquirer
Y and Issuer
Y Acquirer
Y Acquirer
N Acquirer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Y Acquirer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Y Acquirer
and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Y Issuer
Y Acquirer
Acquirer
Y and Issuer
Acquirer
Y and Issuer
Y Issuer
Y
Acquirer
and Issuer
Acquirer
Acquirer
Acquirer
Acquirer
Y
Acquirer
Acquirer
Acquirer
Acquirer
Acquirer
N Acquirer
N Acquirer
Y Issuer
Acquirer
Y Acquirer
Issuer
N Acquirer
N Acquirer
N Issuer
Y Acquirer
Y Acquirer
Y Issuer
Y
Acquirer
Acquirer
N Acquirer
N Acquirer
N Issuer
N Issuer
N Acquirer
Y Issuer
Y Issuer
Y Acquirer
S.NO TEST ID DETAILS
ReqMandateConfimation
RespMandateConfirmation
21 MA_MT_PR_21 Type : Create Mandate
Approval Type : Non Pre-Approved
Payer Handle : VPA
Payee Handle : VPA
API Involved : ReqAuthMandate
RespAuthMandate
Type : Create Mandate
22 MA_MT_PR_22 Approval Type : Non Pre-Approved
Payer Handle : VPA
Payee Handle : VPA
ReqMandateConfirmation
RespMandateConfirmation
Type : Create Mandate
95 MA_MT_PE_30
Approval Type : Pre-Approved
Payer Handle : VPA
Payee Handle : VPA
10
5 MA_MT_PE_40
Approval Type : Non Pre-Approved
Payer Handle : VPA
Payee Handle : VPA
API Involved: ReqMandate
RespMandate
NOTE:
1. Always recurrence value should be
"ONETIME" and block fund should be "Y" Bank Success
always for all create/update mandate, if not UPI
will send neagtive ACK=""
2. UPI PIN is required in payer created mandate.
3. In payer created mandate, orgId & umn
handle should be send from the same psp. UMN
should be unique.
NOTE:
1.Always recurrence value should be "ONETIME"
and block fund should be "Y" always. For
onetime mandate recurrence rule tag not Bank Success
allowed
2. In case of P2M txn, it is payer responsibility to
validate whether merchnat is a verified
merchant or not. Based on the validation only
bank/PSP would be able to populate the
revokable field
NOTE: 1.If rule tag is present UPI fails the Bank Success
mandate with the negative ACK="MB7"
2. One time recurrence pattern refers execution
of mandate only once by the PSP
.
NOTE: Payer psp has to accept and inform the Bank Failure
Errorcode="UM2" where payee psp timeout at
RespAuthMandate
Bank Failure
NOTE:
1. Mandate can be revoked only by payee psp
pertaining to the scenarios and block fund value Bank Success
should be "N" always.
2. Only in case of P2P txn, Payer is eligible to
revoke the madate in case of payer created
mandate.
3. Remitter bank should unblock the fund when
blockFund="N"
Note: UPI will not validate the date and time Bank Success
value. It is a payee psp responsibility to validate
T,T+1… [The start date and end date will be
between T-2 and T + 13 days (15 days).
Modification will be allowed only till T+1 day or
as payee decides]
NOTE:
1.Payer is eligible to revoke in case of P2P txn Bank Failure
payer initiated mandate
2. Payee initated REVOKE, UPI PIN is not
required. It is a payer responsibility to send
,mandate digital signature cred block instead of
PIN cred block
NOTE:
1.Payee psp should mention the expiry field
value. If payee psp has not mention the expiry
value, UPI will take "30
min" as default value
2.Always recurrence value should be "ONETIME" Bank Success
and block fund should be "Y" always for all
create mandate, if not UPI will send neagtive
ACK=""
3. UMN should always generated by Payer, If
payee wrongly generates, UPI will decline with
neagtive ACK=""
4. Payee psp cannot have shareToPayee field.
5. Any mandate has maximum allowed limit
1,0
0
,0
0
0
limit per mandate except SEBI mandate
Bank Failure
Payee PSP initiates a mandate request with
expiry field and it will expire=UM3
NPCI Failure
If the payee initiates ReqMandate against
frozen/Block account-YE
Bank Failure
payee initiated mandate request will breached
the limit amount
Payee initiated mandate fields should not be Bank Failure
changed by the Payer PSP during address
resolution.
NPCI Failure
NOTE: Due to some fraud act, payee psp is not
allowed the VPA to create mandate
NOTE: Payer or payee can choose to decline the NPCI Failure
update request if mandate attributes are not
acceptable to either party-VW
ReqAuthMandate Timeout:UM0
NOTE: Payee psp also accept the error code in Bank Failure
the RespMandate API and inform to his/her
customer
Bank Failure
NOTE: Payee psp has to accept and inform the
customer about the payer psp is not available
Bank Failure
NOTE: Payee psp has to accept and inform the
customer about the payer psp is not registered
NOTE: Payee psp should store the UMN for Bank Success
financial txn which is received from the
RespMandate
NPCI Failure
NOTE: In case of Payee created mandate, Payee
should only allow to modify the mandate
Bank Failure
Payee psp successfully initiate the create
mandate with blockFund=Y & purpose =01 in
Txn Tag(SEBI)
Bank Success
Note: blockFund=Y & purpose =0
1 (SEBI) are
mandatory if not, UPI will decline with negative
ACK= "MC5"
Note:
1.The field recurrence value="ONETIME" is Bank Success
mandatory.
If not, UPI will decline with negative ACK
="MP3" stating that recurrence pattern value
should be "ONETIME" for SEBI txn
2.In case of P2M txn, merchant tag is mandatory
under payee tag
Payee psp successfully initiates create mandate
with unique combination (application form no+
IPO no) should be populated in refId Bank Success
Note: UPI will not validate the date and time Bank Success
value. It is a payee psp responsibility to validate
T,T+1...
Payee PSP to ensure that any revoke or update
attempt post T+1 23.59 hrs is declined at their
end ( Critical Business rule to be built at their
end)
If payee psp updates the expiry time, frequency
or rules then UPI will decline with negative Bank Success
ACK="MP2" stating that only amount can
modified
NOTE: UPI validates 32 digit alphanumeric. Otherwise UPI will send Neg
ACK="MA5"
NOTE: Txn id should be as per the UPI txn id logic. Otherwise UPI will
send negative ACK="MA3"
Refer test case S.No. 1 for other steps
Note: The start date should be on or after the current date. Otherwise
UPI will send the negative ACK="MB0
"
NOTE: If payer psp wrongly sends the recurrence option other than
"ONETIME". UPI will give negative ACK to payer psp "MA8"
1. Payer initiates a create mandate Request by entering the Virtual
Address of the Payee .
2. UPI sends ReqAuthMandate to Payee PSP in order to resolve the
address.
3.Payee PSP sends RespAuthMandate to UPI.
4.UPI sends a ReqMandate to remitter bank.
5. Remitting Bank validates all the mandate details and payer credential
(UPIN) is wrong.
6. Remitter bank sends a RespMandate to UPI with failure status that
Invalid UPIN- "ZM"
7.UPI forwards the same RespMandate which contains the response
Code="ZM" and Errorcode="UM8"to Payer PSP.
8. UPI sends a ReqMandateConfirmation to Payee PSP with failure
message
9. Payee PSP will always sends a successful RespMandateConfirmation
back to UPI.
NOTE: Mandate will not be created irrespective of Payer psp not sending
ACK for Final RespMandate
NOTE: Txn id should be as per the UPI txn id logic. Otherwise UPI will
send negative ACK ="MA3"
NOTE: If payee psp selects the invalid date (less than current date). UPI
will reject with negative ACK="MB0
"
Mandatory
1. Payee initiates a create mandate Request by entering the financial
Address of the Payer .
2. As UPI restrict the mandate creation as between VPA to VPA.
3. UPI sends negative ACK to Payee PSP as errorCode="MC4". Payee has
to read the negative ACK and act accordingly
PR_7
PR_8 Test case
PR_16
Type : Collect
Approval Type : Non-Pre Approved
Payer Handle: VPA(umn@psp)
Payee Handle: VPA
Type : Collect
Approval Type : Non-Pre Approved
Payer Handle: VPA(umn@psp)
Payee Handle: VPA
59 PR_71
62 PR_74
API Involved: ReqPay, RespPay
Type : Pay
Approval Type: Pre-Approved
Payer Handle: VPA
Payee Handle : VPA
63 PR_75
79 PR_91
API Involved: ReqPay
RespPay Type : Pay
80
PR_92
83 PR_95
API Involved: ReqPay
RespPay Type :
COLLECT
Approval Type : Non Pre-Approved
Payer Handle : VPA
Payee Handle : VPA
84 PR_96
85 PR_97
88 PR_10
0
89 PR_10
1
API Involved: ReqPay
RespPay Type : Pay
90
PR_10
2
97 PR_10
9
O
API Involved : ReqPay
RespPay
Type : Pay
Approval Type : Non Pre-Approved
Payer Handle : VPA
Payee Handle : VPA
98 PR_110
99 PR_111
10
0
PR_112
10
1 PR_113
API Involved : ReqPay
RespPay
Type : Pay
Approval Type : Pre-Approved
Payer Handle : VPA
Payee Handle : VPA
10
2 PR_114
10
3 PR_115
10
5 PR_117
NOTE:
1.Payer psp should send
UPIMandate cred block for NPCI Success
Mandate transations
2. InitiationMode=11(mandate) &
13(QR mandate) are possible values
in financial
3. In financial mandate,
"LOCATION,IP,TYPE,ID,OS,APP,GEOC
ODE" is an optional values for psp's
If Payer is in 1.0
only
Payee psp in UPI2.0
If Payer is in 2.0
If Payer is in 2.0
If Payer is in 1.0
,2.0
Bank Success
If Payer is in 2.0
Bank Success
If Payer is in 2.0
If (FIR)initiationMode=12 and
institution block is also present.
Then UPI will check
remitter,beneficiary & payee
version should be in ver 2.0, if not Bank Failure
UPI decline with negative
ACK="UH2". If either one of the
party is in ver 1.0, UPI will decline
with negative ACK=UH2
If Payer is in 2.0
OD case
A Pay scenario where Payer initiate Bank Success
a pay request with remitter
account type as "SAVINGS"
NOTE -
1. If the colect request from
Account type "current" to "SOD|
UOD" is not possible. It is a Payer
responsibility to fails the txn in the
address resolution leg
2. If the beneficiary account
type="CURRENT" with
type="ENTITY", then the txn will go
through.
A Pay scenario where Payer initiate Bank Success
a pay request with remitter
account type as "SOD|UOD"
TEST STEPS
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
5. NPCI FRM sends response with the risk score which is within the configured FRM limit. (FRM threshold
value set for remitting bank)
6. UPI sends a ReqPay_Debit to remitter bank.
7. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
8. UPI sends a ReqPay_Credit to the Beneficiary Bank
9. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
10
. UPI sends a RespPay with Success to Payer PSP
11. UPI sends a ReqTxnConfirmation to Payee PSP with Successfull message.
12.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS entry
should reflect the correct amount. .
ase removed
rom mandatory to extra
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer.
2.UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
5. As a pre-approved transaction, Remitting Bank debits the customer's account automatically.
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
8. UPI sends a RespPay with Success to Payee PSP
9. UPI sends a ReqTxnConfirmation to Payer PSP with Successfull message.
10
. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank declines the transcation with closed account and responds back to UPI. Response
code-ZY
8. UPI declines and sends the ReqPay with reversal to Remitting BANK.
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a RespPay with FAILURE to Payer PSP error code-U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS entry
should reflect the correct amount. .
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer.
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address
3. Payer PSP fails to resolve the address and the requests expires
4. UPI sends a ResPay with FAILURE to Payee PSP with Error code-U69
5. UPI sends a ReqTxnConfirmation to Payer PSP with FAILURE message. Payer PSP sends a
RespTxnConfirmation back to UPI.
case removed
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends RespAuthDetail with Failure, error code ZH to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:ZH
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends RespAuthDetail with Failure, error code ZE to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag :ZE
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends RespAuthDetail with Failure, error code UX to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag :UX
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail as failure stating that customer decline the collect request. error code
-ZA to UPI
5. UPI sends RespPay with Failure to Payee PSP. error code tag U19
1. Payee (customer) initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail with error code ZG to UPI
5. UPI sends a RespPay with Success to Payee PSP error code tag :ZG
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer with expire after 2 min.
2.UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP does not send RespAuthDetail upto 2 min to UPI.
4.UPI sends response with timeout error code-U69 to Payee PSP.
5. UPI sends a ReqTxnConfirmation to Payer PSP with FAILURE message. Payee PSP sends a
RespTxnConfirmation back to UPI.
1. Payer PSP initiates a Pay Request by entering the financial address of the Payee.
2. With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
3. NPCI FRM sends response with the risk score which has breached the NPCI configured FRM limit (FRM
threshold value set for remitting bank)
4. UPI sends a RespPay with failure error code= "U16" to Payer PSP.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
5. NPCI FRM sends response with the risk score which is within the configured FRM limit.
6. UPI sends a ReqPay_Debit to remitter bank.
7. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
8. UPI sends a ReqPay_Credit to the Beneficiary Bank
9. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
10
. UPI sends a RespPay with Success to Payer PSP
11. UPI sends a ReqTxnConfirmation to Payee PSP with Successfull message.
12.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS entry
should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee.
2.UPI sends ReqAuthDetail to Payee PSP in order to resolve the address.
3. Payee PSP sends RespAuthDetail to UPI with the account details of Payee.
4. UPI checks whether both the remitter bank and beneficiary bank is in processing mode, if beneficiary
bank state that node offline.
5. UPI sends failure message with error code- U78 in the final response leg to payer PSP.
1. Payer initiates a Pay Request by entering the VPA of payee
2. Since Payer and Remitter are same it will be a Pre-approved transaction. Remitting Bank
debits the customer's account automatically and payer should send the response code as "0
0
"
& approval number in base 64 encrypted format in the ReqPay
3. UPI sends ReqAuthDetail to Payee PSP for address resolution
4. Payee PSP fails to send RespAuthDetail to UPI within stipulated time
5. UPI declines the transaction and sends RespPay with "U0
9" Timeout
6. Payer PSP should accept the response code and reverse the customer's account which was
already debited (Preapproved)
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP for address resolution.
3. Payer PSP sends RespAuthDetail to UPI.
4.UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends succesful RespPayDebit to UPI.
6. UPI sends a ReqPayCredit to the Beneficiary Bank.
7. Beneficiary Bank Credits the customer's account and responds successful credit by sending
RespPayCredit to UPI.
8. UPI sends a RespPay with Success to Payee PSP.
9. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
10
. Payer PSP sends ACK & RespTxnConfirmation back to UPI.
11.Payer and Payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP for address resolution.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's account & sends RespPayDebit to UPI.
7. UPI sends a ReqPayCredit to the Beneficiary Bank.
8. Beneficiary Bank Credits the customer's account and responds successful credit by sending
RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP.
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends ACK & RespTxnConfirmation back to UPI.
12.Payer and Payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode any value from 0
0
to 14; the same value used in initiation mode needs to be forwarded
with same value in the subsequent legs for that transaction.
NOTE : Payer PSP fails to send Initiation mode to UPI, then
the UPI will send negative Ack.(IM0)
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with
Type='USDC' and TELECOM=Airtel|BSNL...
NOTE : Payer PSP fails to send the TagName is TELECOM in USDC to UPI, then the UPI will send
negative Ack(D12).
8. UPI sends a RespPay with Success to Payer PSP with Authentication code(actn) and acNum,
IFSC, code for payer as well payee.
9. UPI sends a ReqTxnConfirmation with Success to Payee PSP with Authentication code(actn)
and acNum, IFSC, code for payer as well payee.
1. Payee initiates a collect request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3.Payer PSP should authorize the mandate and sends RespAuthDetail
4. UPI sends a ReqPay to remitter bank.
5. Remitting Bank validates all the mandate cred block details and debits the payer account
6.UPI forwards the same RespPay to Payee PSP.
7. UPI sends a ReqTxnConfirmation to Payer PSP with successful message
8. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a collect request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3.Payer PSP should authorize the mandate within and sends RespAuthDetail
4. UPI sends a ReqPay to remitter bank.
5. Remitting Bank validates all the mandate cred block details and declines to debits the payer
account .
6. Remitting Bank sends a RespPay to UPI with the responseCode="Z9"
7.UPI forwards the same RespPay Payee PSP.
8. UPI sends a ReqTxnConfirmation to Payer PSP with failure message
9. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a collect request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3.Payer PSP should authorize the mandate and sends RespAuthDetail
4. UPI sends a ReqPay to remitter bank.
5. Remitting Bank validates all the mandate cred block details and declines to debits the payer
account .
6. Remitting Bank sends a RespPay to UPI with the responseCode="YE"
7.UPI forwards the same RespPay Payee PSP.
8. UPI sends a ReqTxnConfirmation to Payer PSP with failure message
9. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a collect request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3.Payer PSP should authorize the mandate and sends RespAuthDetail
4. UPI sends a ReqPay to remitter bank.
5. Remitting Bank validates all the mandate cred block details sends a RespPay to UPI with the
responseCode="YF"
6.UPI forwards the same RespPay Payee PSP.
7. UPI sends a ReqTxnConfirmation to Payer PSP with failure message
8. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP to validate the address.
3. Payer PSP sends RespAuthDetail with Failure, error code"QA" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QA
Optional
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3. Payer PSP sends RespAuthDetail with Failure, error code"QB" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QB
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QC" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QC
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3. Payer PSP sends RespAuthDetail with Failure, error code"QD" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QD
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3. Payer PSP sends RespAuthDetail with Failure, error code"QH" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QH
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QI" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QI
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QJ" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QJ
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QK" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QK
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QL" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QL
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QR" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QR
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QS" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QS
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3. Payer PSP sends RespAuthDetail with Failure, error code"QU" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QU
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QV" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QV
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address...
3. As a pre-approved transaction, Remitting Bank debits the customer's account automatically
and should sends the response code as "0
0
"& approval no in base 64 encrypted format in the
RespAuthDetail leg
Note: UPI decrypted the cred block and verify whether the response code is match with the
result or not. If it is not match, UPI decline it with negative ACK "C11".
4. UPI sends a ReqPayCredit to the Beneficiary Bank
5. Beneficiary Bank Credits the customer's account and responds successful credit by sending
RespPayCredit to UPI.
6. UPI sends a RespPay with Success to Payee PSP
7. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
8. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to to validate the address..
3. As a pre-approved transaction, Remitting Bank declines the debit request and should sends
the response code as "XY"& approval no in base 64 encrypted format in the RespAuthDetail leg
Note: UPI decrypted the cred block and verify whether the response code is match with the
result or not. If it is not match, UPI decline it with negative ACK "C11".
4. UPI sends a RespPay with Failure to Payee PSP errCode=U29
5. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
6. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer (UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3. Payer PSP validates the payment with mandate details.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
NPCI FRM sends response with the risk score which is within the configured FRM limit. (FRM
threshold value set for remitting bank)
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's account with the mandate block & sends RespPayDebit
to UPI
7. UPI sends a ReqPayCredit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit by sending
RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer (UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3. Payer PSP validates the payment with mandate details.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
NPCI FRM sends response with the risk score which is within the configured FRM limit. (FRM
threshold value set for remitting bank)
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank validates the mandate block & sends failure RespPayDebit to UPI with
response code="VA"
9. UPI sends a RespPay with failure to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with failure message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
1.Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee along with
Purpose of the txn by giving any value from 00 to 04, the same value used in purpose needs to
be forwarded with the subsequent legs for that transaction.
NOTE : Payer PSP fails to send Purpose to UPI, then the
UPI will send negative Ack.(T14)
Refer TestID PR_6 follow TEST STEPS S.No.2 for other steps
1.Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee along with
Purpose of the txn by giving any value from 00 to 04, the same value used in purpose needs to
be forwarded with the subsequent legs for that transaction.
NOTE : Payer PSP fails to send Purpose to UPI, then the
UPI will send negative Ack.(T14)
Refer TestID PR_1 follow TEST STEPS S.No.2 for other steps
1. Payer PSP initiates a PAY Request with merchantType=”SMALL|LARGE under Merchant tag
by entering the Virtual Address of the Payee.
Refer TestID PR_1 follow TEST STEPS S.No.2 for other steps
1. Payer initiates a Pay Request with the payer account type NRE|NRO|CREDIT|PPIWALLET|
BANKWALLET by entering the Virtual Address of the Payee's.
2. UPI sends ReqAuthDetail to Payee's PSP in order to resolve the address
3. Payee's PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary's Bank
7. Beneficiary's Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
8. UPI sends a RespPay with Success to Payer PSP
9. UPI sends a ReqTxnConfirmation to Payee's PSP with Successful message.
10
. Payee's PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is SAVINGS|CURRENT|NRE|NRO
under payer tag.
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI, then
the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is SAVINGS|CURRENT|NRE|NRO
under payer tag.
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI, then
the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is SAVINGS|CURRENT|NRE|NRO
under payer tag.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is SAVINGS|CURRENT|NRE|NRO
under payer tag.
NOTE : If payer PSP sends Initiation mode = "12" but purpose code & note is not present inside
the Institution Block, then UPI will send negative Ack (PI7).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is SAVINGS|CURRENT|NRE|NRO
under payer tag.
NOTE : If payer PSP sends Initiation mode = "12" but originator type is not present inside the
Institution Block, then UPI will send negative Ack (PI8).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is SAVINGS|CURRENT|NRE|NRO
under payer tag.
NOTE : If payer PSP sends Initiation mode = "12" but originator address location, city, country &
geocode is not present inside the Institution Block, then UPI will send negative Ack (PJ2).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is NRE|NRO under payer tag.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is NRE|NRO under payer tag.
Refer pre-approved cases for other steps
NOTE : If payer PSP sends Initiation mode = "12" but initiating customer name is not present
inside the Institution Block, then UPI will send negative Ack (PI9).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is NRE|NRO under payer tag.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is NRE|NRO under payer tag.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is NRE|NRO under payer tag.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='0
0
' without institution block and Account type with value is NRE|NRO under payer tag.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is SAVINGS|CURRENT|NRO/NRE
under payer tag.
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI, then
the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with initiation
mode='12' with institution block and Account type with value is SAVINGS|CURRENT|NRO|NRE
under payer tag.
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI, then
the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPayCredit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPayCredit to UPI.
8. UPI sends a RespPay with Success to Payer PSP and Payer PSP sends ACK.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Successful message.
10
.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount. .
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
Refer PR_1 for Step 2 to 10
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee with UPI 1.0
1. Payee initiates a collect request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3.Payer PSP should authorize the mandate and sends RespAuthDetail
4. UPI sends a ReqPay to remitter bank.
5. Remitting Bank validates all the mandate cred block details and debits the payer account
6.UPI forwards the same RespPay to Payee PSP.
7. UPI sends a ReqTxnConfirmation to Payer PSP with successful message
8. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a collect request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3.Payer PSP should authorize the mandate and sends RespAuthDetail
4. UPI sends a ReqPay to remitter bank.
5. Remitting Bank validates all the mandate cred block details and debits the payer account
6.UPI forwards the same RespPay to Payee PSP.
7. UPI sends a ReqTxnConfirmation to Payer PSP with successful message
8. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QB" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode:QB
mandate is already honoured
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QR" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode: QR
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QR" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode: QR
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address..
3. Payer PSP sends RespAuthDetail with Failure, error code"QR" to UPI
4. UPI sends a RespPay with Failure to Payee PSP error code tag:U29 & ResponseCode: QR
1. Payer initiates a Pay Request with the payer account type="SAVING" by entering the Virtual
Address of the Payee's.
2. UPI sends ReqAuthDetail to Payee's PSP in order to resolve the address
3. Payee's PSP sends RespAuthDetail to UPI with beneficiary bank account type="SOD|UOD"
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary's Bank which account type is "SOD|UOD"
7. Beneficiary's Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
8. UPI sends a RespPay with Success to Payer PSP
9. UPI sends a ReqTxnConfirmation to Payee's PSP with Successful message.
10
. Payee's PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount
1. Payer initiates a Pay Request with the payer account type="SOD|UOD" by entering the
Virtual Address of the Payee's.
2. UPI sends ReqAuthDetail to Payee's PSP in order to resolve the address
3. Payee's PSP responsibility to chek the payee type should be "ENTITY" sends RespAuthDetail
to UPI with beneficiary bank account type=CURRENT
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary's Bank which account type is "SOD|UOD"
7. Beneficiary's Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
8. UPI sends a RespPay with Success to Payer PSP
9. UPI sends a ReqTxnConfirmation to Payee's PSP with Successful message.
10
. Payee's PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount
1. Payee initiates a collect request with the payee account type="SOD|UOD" by entering the
Virtual Address of the Payer.
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address
3. Payers PSP responsibility to chek the remitter account type="SOD|UOD" and sends failure
RespAuthDetail to UPI with errorCode=""
4. UPI sends a RespPay with failure to Payer PSP with errorCode=""
5. UPI sends a ReqTxnConfirmation to Payee's PSP with failure message.
6. Payee's PSP sends a RespTxnConfirmation back to UPI.
7. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount
1. Payee initiates a collect request with the payee account type="CURRENT" with
type="ENTITY" by entering the Virtual Address of the Payer.
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address
3. Payers PSP responsibility to chek the remitter account type="SOD|UOD" and sends
RespAuthDetail to UPI.
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary's Bank which account type is "SOD|UOD"
7. Beneficiary's Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
4. UPI sends a RespPay with failure to Payer PSP with errorCode=""
5. UPI sends a ReqTxnConfirmation to Payee's PSP with failure message.
6. Payee's PSP sends a RespTxnConfirmation back to UPI.
7. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount
1. Payer initiates a Pay Request with the payer account type="SOD|UOD"by entering the Virtual
Address of the Payee's.
2. UPI sends ReqAuthDetail to Payee's PSP in order to resolve the address
3. Payee's PSP responsibility to chek the payee type should be "ENTITY" sends RespAuthDetail
to UPI with beneficiary bank account type=CURRENT
4. UPI sends a ReqPay_Credit to the Beneficiary's Bank which account type is "SOD|UOD"
5. Beneficiary's Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
6. UPI sends a RespPay with Success to Payer PSP
7. UPI sends a ReqTxnConfirmation to Payee's PSP with Successful message.
8. Payee's PSP sends a RespTxnConfirmation back to UPI.
9. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount
1. Payee initiates a collect request with the payee account type="SOD|UOD" by entering the
Virtual Address of the Payer.
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address
3. As a pre-approved txn, Payers PSP responsibility to chek the remitter account type="SOD|
UOD"and automatically debits the customer account and sends failure RespAuthDetail to UPI
with errorCode=""
4. UPI sends a RespPay with failure to Payer PSP with errorCode=""
5. UPI sends a ReqTxnConfirmation to Payee's PSP with failure message.
6. Payee's PSP sends a RespTxnConfirmation back to UPI.
7. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank. Remitter bank does not receive original request because of
the connection timeout
5. UPI checks the connectivity with bank and declines the transaction with "U85".
6. UPI sends a RespPay with Failure to Payer PSP with error code - U85
7. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
8. Payee PSP sends a RespTxnConfirmation back to UPI.
9. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS entry
should reflect the correct amount. .
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer
2. UPI sends ReqAuthDetail to Payer PSP in order to validate the address.
3. Payer PSP validates the payment details.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
NPCI FRM sends response with the risk score which is within the configured FRM limit. (FRM
threshold value set for remitting bank)
5.UPI sends a ReqPayDebit to remitter bank. Remitter bank does not receive original request
because of the connection timeout
6. UPI checks the connectivity with bank and declines the transaction with "U85".
7. UPI sends a RespPay with failure to Payee PSP with "U85"
8. UPI sends a ReqTxnConfirmation to Payer PSP with failure message with orgErrCode="85"
9. Payer PSP sends a RespTxnConfirmation back to UPI and also infrom the customer
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank. Remitter bank does not receive original request because of
the connection timeout
5. UPI checks the connectivity with bank and declines the transaction with "U85".
6. UPI sends a RespPay with Failure to Payer PSP with error code - U85
7. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
8. Payee PSP sends a RespTxnConfirmation back to UPI.
9. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS entry
should reflect the correct amount. .
HOME
S.NO TEST ID DETAILS DESCRIPTION
17 PE_23
API Involved: ReqAuthDetail, Payee PSP is Merchant ; So
RespAuthDetail, ReqTxnConfirmation & RespAuthDetail API Merchant
RespTxnConfirmation Block is mandatory in Payee tag
Type : Pay
Approval Type: Non Pre-Approved
Payer Handle: PSP
Payee Handle : PSP
18 PE_24
27 PE_33
28 PE_34
API Involved: ReqPay, RespPay Payee psp successfully resolute
Type : Pay the beneficiary address for
Approval Type: Pre-Approved initiationMode=12
Payer Handle: VPA
Payee Handle : VPA
29 PE_35
32 PE_38
API Involved: ReqPay If payee psp is live in UPI2.0
,
RespPay the psp should use mandatory
Type : Collect UPI 2.0
specification fields
Approval Type : Non Pre-Approved (e.g. initiationMode)
Payer Handle : may@mypsp
Payee Handle : VPA Note: If the psp doesn’t use the
33 PE_39 UPI2.0
mandatory fields, UPI
will decline with negative
ACK="IM0"
35 PE_41
API Involved: ReqPay If Payee psp is in ver 1.0
36 PE_42
37 PE_43
38 PE_44
API Involved: ReqPay If the UPI forwards the
RespPay ReqAuthDetail in ver 1.0
, Payee
Type : Pay psp should sends ACK &
Approval Type : Non Pre-Approved RespAuthDetail in ver1.0
Payer Handle : VPA
Payee Handle : VPA Note: 1. If the url and header
version is different, then UPI
will decline with negative
ACK="UH1"
2. If payee psp fails to sends
39 PE_45 response in different version to
UPI. UPI decline with negative
ACK="UV1"
NOTE -
API Involved : ReqPay RespPay 1. If the Pay request from
Type : Pay Account type "SOD|UOD" to
PE_51 Approval Type : Non Pre-Approved "SAVINGS" is not possible. It is
Payer Handle : VPA a Payee responsibility to fails
Payee Handle : VPA the txn in the address
resolution leg
2. If the beneficiary account
type="CURRENT" with
type="ENTITY", then the txn
will go through.
Bank Success
Npci Success
Npci Failure
Npci Failure
Npci Failure
Npci Failure
Npci Failure
Bank Failure
Npci Success
Bank Success
Npci Failure
Bank Failure
Bank Success
NPCI Success
NPCI Success
Bank Success
NPCI Success
Bank Success
Bank Success
Bank Failure
Bank Success
BANK Success
Bank Success
Bank Success
Bank Success
Bank Success
NPCI Success
NPCI Success
Bank FAILURE
NPCI Success
Bank Success
Bank Success
Bank Success
Bank Success
Bank Success
Bank Success
Bank Success
NPCI Success
Bank Success
Bank Success
Bank Success
Bank Success
Bank Failure
Bank Failure
Bank Success
Bank Failure
OME
TEST STEPS
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
NPCI FRM sends response with the risk score which is within the configured FRM limit.
(FRM threshold value set for remitting bank)
5.UPI sends a ReqPay_Debit to remitter bank.
6. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
7. UPI sends a ReqPay_Credit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit by
sending RespPay_Credit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
m mandatory to extra
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and responds successful credit by
sending RespPay_Credit to UPI.
8. UPI sends a RespPay with Success to Payer PSP
9. UPI sends a ReqTxnConfirmation to Payee PSP with successful message.
10
. Payee PSP sends a RespTxnConfirmation back to UPI.
11.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
m mandatory to extra
e removed
e removed
m mandatory to extra
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee.
2.UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP fails to send RespAuthDetail to UPI within timeout period .
4.UPI sends response with timeout error code-U0
9 to Payer PSP.
5. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message. Payee PSP sends a
RespTxnConfirmation back to UPI.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail with error code:UX
4. UPI sends a RespPay with Failure to Payer PSP error code tag :UX
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee.
2. As a pre-approved transaction, Payer PSP debits the customer's account and initiate the
transaction to UPI.
3. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
4. Payee PSP sends RespAuthDetail with Failure, response code ZH to UPI
5. UPI sends a RespPay with Failure to Payer PSP .Payer PSP should rerverse the customer's
account based on the declined response received from UPI
e removed
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail with Failure, error code ZG to UPI
4. UPI sends a RespPay with Failure to Payer PSP error code tag :ZG
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address.
3. Payee PSP sends RespAuthDetail with Failure, error code ZE to UPI .
4. UPI sends a RespPay with Failure to Payer PSP error code tag :ZE
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
NPCI FRM sends response with the risk score which has breached the NPCI configured FRM
limit (FRM threshold value set for remitting bank)
5. UPI sends a RespPay with failure error code= "U16" to Payee PSP.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
5.UPI sends a ReqPay_Debit to remitter bank.
6. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
7. UPI sends a ReqPay_Credit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit by
sending RespPay_Credit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM adapter.
NPCI FRM sends response with the risk score which is within the configured FRM limit.
(FRM threshold value set for remitting bank)
5.UPI sends a ReqPay_Debit to remitter bank.
6. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
7. UPI sends a ReqPay_Credit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit by
sending RespPay_Credit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail with Failure, error code ZH to UPI .
4. UPI sends a RespPay with Failure to Payer PSP error code tag :ZH
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payee PSP sends RespAuthDetail to UPI.
5. UPI checks whether both the remitter bank and beneficiary bank is in processing mode, if
beneficiary bank state that node offline.
6. UPI sends failure message with error code- U78 in the final response leg to payee PSP.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP for address resolution.
3. Payer PSP sends the notification to customer for customer confirmation of the
payment.
4. Payer PSP sends RespAuthDetail to UPI.
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's account & sends RespPayDebit to UPI
7. UPI sends a ReqPayCredit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit
by sending RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message and
Payer PSP sends ACK.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12.Payer and Payee should initiate ReqBalEnq api to UPI and receive RespBalEnq
from UPI. The CBS entry should reflect the correct amount.
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP for address resolution
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPayDebit to UPI
6. UPI sends a ReqPayCredit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and respond successful credit
by sending RespPayCredit to UPI.
8. UPI sends a RespPay with Success to Payer PSP and Payer PSP sends ACK as
expected.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Successful message, while
Payee PSP sends ACK to UPI.
10
.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq
from UPI. The CBS entry should reflect the correct amount. .
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPayDebit to UPI
6. UPI sends a ReqPayCredit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and respond successful credit
by sending RespPayCredit to UPI.
8. UPI sends a RespPay with Success to Payer PSP and Payer PSP sends ACK.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Successful message and
Payee PSP responds with RespTxnConfirmation.
10
.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq
from UPI. The CBS entry should reflect the correct amount. .
Payee PSP initiates a collect Request by entering the Virtual Address of the Payer
with initiation mode any value from 0
0
to 14; the same value used in initiation
mode needs to be forwarded with same value in the subsequent legs for that
transaction.
NOTE : Payee PSP fails to send Initiation mode to UPI, then the UPI will send
negative Ack.(IM0)
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer
(UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP confirms the payment with mandate details.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM
adapter.
NPCI FRM sends response with the risk score which is within the configured FRM
limit. (FRM threshold value set for remitting bank)
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's account with the mandate block & sends
RespPayDebit to UPI
7. UPI sends a ReqPayCredit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit
by sending RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer
(UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP confirms the payment with wrong mandate details
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained.
5. Remitting Bank debits check the mandate block & sends failure RespPayDebit to
UPI responseCOde=VY
6. UPI sends a RespPay with failure to Payee PSP stating that "VY"
7. UPI sends a ReqTxnConfirmation to Payer PSP with failure message.
8. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer
(UMN@psp).
1.Payee PSP initiates a Collect Request by entering the Virtual Address of the Payer
along with Purpose of the txn by giving any value from 00 to 04, the same value
used in purpose needs to be forwarded with the subsequent legs for that
transaction.
NOTE : Payee PSP fails to send Purpose to UPI, then the UPI will send negative
Ack.
Refer Test ID PE_1 follow TEST STEPS S.No.2 for other steps
1.Payee PSP initiates a Collect Request by entering the Virtual Address of the Payer
along with Purpose of the txn by giving any value from 00 to 04, the same value
used in purpose needs to be forwarded with the subsequent legs for that
transaction.
NOTE : Payee PSP fails to send Purpose to UPI, then the UPI will send negative
Ack.(T14)
Refer Test ID PE_1 follow TEST STEPS S.No.2 for other steps
Refer Test ID PE_1 follow TEST STEPS S.No.2 for other steps
1. Payee initiates a collect Request with the payee account type NRE|NRO|
CREDIT|PPIWALLET|BANKWALLET by entering the Virtual Address of the Payer's.
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the
payment.
4. Payer PSP sends RespAuthDetail to UPI.
5.UPI sends a ReqPay_Debit to remitter bank.
6. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
7. UPI sends a ReqPay_Credit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit
by sending RespPay_Credit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq
from UPI. The CBS entry should reflect the correct amount. .
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the payee
2. UPI forwards ReqAuthDetail to payee to resolve the address.
3. Payee psp sends the RespAuthDetail with the Beneficiary details of ACTYPE as
NRE
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present
to UPI, then the UPI will send negative Ack (PI0).
Refer S.No.1 for other steps
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the payee
2. UPI forwards ReqAuthDetail to payee to resolve the address.
3. Payee psp sends the RespAuthDetail with the Beneficiary details of ACTYPE as
SAVINGS|CURRENT|NRO
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present
to UPI, then the UPI will send negative Ack (PI0).
1. Payee psp initiating a collect request with initiationMode=12, then UPI will
decline with negative ACK="IM1" stating that FIR transactions are not applicable
for collect
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the payee
2. UPI forwards ReqAuthDetail to payee to resolve the address.
3. Payee psp sends the RespAuthDetail with the Beneficiary details of ACTYPE as
NRE
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present
to UPI, then the UPI will send negative Ack (PI0).
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP sends the notification to customer for customer confirmation of the
payment.
4. Payer PSP sends RespAuthDetail to UPI.
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
7. UPI sends a ReqPayCredit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit
by sending RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message and
Payer PSP sends ACK.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq
from UPI. The CBS entry should reflect the correct amount. .
1. Payee PSP initiates a collect request by entering the Virtual Address of the Payer
with mandatory fields related to UPI2.0
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer
(UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP confirms the payment with mandate details.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM
adapter.
NPCI FRM sends response with the risk score which is within the configured FRM
limit. (FRM threshold value set for remitting bank)
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's block amount & sends RespPayDebit to UPI
7. UPI sends a ReqPayCredit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit
by sending RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer
(UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP confirms the payment with mandate details.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained, UPI sends request to NPCI FRM
adapter.
NPCI FRM sends response with the risk score which is within the configured FRM
limit. (FRM threshold value set for remitting bank)
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's block amount & sends RespPayDebit to UPI
7. UPI sends a ReqPayCredit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit
by sending RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payee's.
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address
3. Since Payer and Remitter are same it will be a Pre-approved transaction.
Remitting Bank debits the customer's account automatically and payer should send
the response code as "0
0
" & approval number in base 64 encrypted format in the
RespAuthDetail with remitter bank account type=SAVINGS
4. UPI sends a ReqPay_Credit to the Beneficiary's Bank which account type="SOD|
UOD"
5. Beneficiary's Bank Credits the customer's account and respond successful credit
by sending RespPay_Credit to UPI.
6. UPI sends a RespPay with Success to Payee PSP
7. UPI sends a ReqTxnConfirmation to Payer PSP with Successful message.
8. Payer PSP sends a RespTxnConfirmation back to UPI.
9. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq
from UPI. The CBS entry should reflect the correct amount
1. Payer initiates a pay request with account type=”"SOD|UOD"” by entering the
Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP responsibility to check the remitter account type="SOD|UOD" and
sends failure RespAuthDetail to UPI with errorCode=""
4. UPI sends a RespPay with failure to Payer PSP with errorCode=""
5. UPI sends a ReqTxnConfirmation to Payee PSP with failure message.
6. Payee PSP sends a RespTxnConfirmation back to UPI.
7. Payer and payee's should initiate ReqBalEnq api to UPI and receive RespBalEnq
from UPI. The CBS entry should reflect the correct amount
S.NO TEST ID DETAILS PSP as
RE_2
RE_3
RE_5
RE_8 Te
RE_15
RE_16
RE_17 Te
RE_18
RE_23 Te
30
API Involved: ReqPayDebit, RespPayDebit
Type : Pay
Approval Type: Non Pre-Approved
Payer Handle: PSP
RE_39 Payee Handle : PSP Remitter
31
Remitter
32
Remitter
33
Remitter
34
Remitter
35
Remitter
36
Remitter
37
Remitter
38
Remitter
39
Remitter
40
Remitter
41
Remitter
42
Remitter
43
Remitter
44
Remitter
45
API Involved : ReqPayDebit
RespPayDebit
Type: Debit
RE_54 Approval Type: Non-Pre Approved Remitter
Payer Handle : VPA
Payee Handle : VPA
46
API Involved : ReqPayDebit
RespPayDebit
Type: Debit
RE_55 Approval Type: Non-Pre Approved Remitter
Payer Handle : VPA
Payee Handle : VPA
47
Remitter
Remitter
50
RE_59 Remitter
51 RE_60
Remitter
52 RE_61 Remitter
API Involved : ReqPayDebit
RespPayDebit
Type: Debit
53 RE_62 Approval Type: Non-Pre Approved Remitter
Payer Handle : VPA
Payee Handle : VPA
A Pay Scenario where Payer is using Acc No + IFSC & NPCI Success
Payee is VPA
RespCode:Z9
INSUFFICIENT FUNDS IN CUSTOMER (REMITTER) NPCI Failure
ACCOUNT
RespCode : ZM NPCI Failure
INVALID UPI PIN
Respcode: Z8
EXCEEDS TRANSACTION AMOUNT LIMIT BY REMITTER NPCI Failure
BANK
Respcode: K1
SUSPECTED FRAUD, DECLINE / TRANSACTIONS DECLINED NPCI Failure
BASED ON RISK SCORE BY REMITTER
Failure
UPI PIN not set by customer -AM NPCI
Failure
Transaction not permitted to the account-B3 NPCI
A pay scenario ,NPCI send ReqPay_debit with the value
of risk score.
Risk score value"995" in case of 20
0
response NPCI Success
(FRM signed off)
Bank should accept the failure Ack (E15 - Invalid NPCI Failure
response code for this API) from NPCI due to wrong
reversal response code from Remitter bank in the final
RespPay leg (error code -U31)
NOTE: This case is not applicable in multiple payee.
A Pay scenario where Payer is using VPA with remitter
details as A/C + IFSC & Payee is using VPA.
Bank should accept the failure Ack (E15 - Invalid NPCI Failure
response code for this API) from NPCI due to wrong
reversal response code from Remotter bank in the final
RespPay leg (error code -U31)
NOTE: This case is not applicable in multiple payee.
Note: If the remitter bank url and head version is NPCI Failure
different iin RespPay_Reversals, then UPI will
decline with negative ACK="UH1" stating that URL
and header version is different
Remitter bank should decline with response
code="IC" stating that debit amount is not blocked NPCI Failure
for the customer
U85 cases
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & RespPay_Debit is not sent to UPI
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
seconds interval to REAPONSE WITH THE CORRECT STATUS . Remitting bank does not respond.
7. UPI sends a DEBIT reversal to Remitting BANK
8. Remitting BANK sends a RespPay REVERSAL with Success message.
9. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode UT
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank declines the transaction and respond back to UPI.Response code - XY
6. UPI sends a ResPay with FAILURE to Payer PSP with error code- U30
.
y to extra
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation with insufficient balance and responds back to UPI.
Response code-Z9
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation with exceeds txn limit by remitter bank and responds back
to UPI. Response code-Z8
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation stating that txn frequency limit exceeded and responds
back to UPI. Response code-Z7
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation stating that pin tries exceeded and responds back to UPI.
Response code-Z6
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
y to extra
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation with blocked account and responds back to UPI. Response
code- YE
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation with high risk score suspected fraud and responds back to
UPI. Response code- K1
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation stating that inacyive or dormant account and responds
back to UPI. Response code- ZX
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
seconds interval as a reminder to complete the transaction. Remitting bank does not respond.
7. UPI sends a DEBIT reversal to Remitting BANK
8. Remitting Bank does not send reversal response to UPI system indicating that reversal also got
timeout.
9. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode- UT Reversal
response code:RR
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
y to extra
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting bank does not sent the RespPay_Debit to UPI
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & RespPay_Debit is not sent to UPI
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation with UPI PIN not set by customer and responds back to
UPI. Response code- AM
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation with Registered mobile number linked to the account has
been changed and responds back to UPI. Response code- B1
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation with Transaction not permitted to the account and
responds back to UPI. Response code- B3
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
With all payer /payee details obtained, UPI sends a request to FRM.
FRM system fails to send the response to UPI in time.
4. UPI sends a ReqPay_Debit to remitter bank with FRM score '999'in the ScoreProvider tag.
4. UPI sends a ReqPay_Debit to remitter bank.
5. UPI sends a ReqPay_Debit to remitter bank.
6. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
7. UPI sends a ReqPay_Credit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
9. UPI sends a RespPay with Success to Payer PSP
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Successfull message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends negative ACK as debit not possible to UPI
6. UPI sends a RespPay with Failure to Payer PSP
7. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
8. Payee PSP sends a RespTxnConfirmation back to UPI.
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank and ACK sends synchronously.
5. Remitting Bank does not send the RespPay_debit to UPI
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
seconds interval to REAPONSE WITH THE CORRECT STATUS . Remitting bank does not respond to
ReqChkTxn.
7. UPI sends a DEBIT reversal to Remitting BANK
8. Remitting BANK sends a RespPay REVERSAL with failure message and response code:ND - debit not
done to the customer account.
9. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode UT and reversal
response code:ND
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter bank does not receive the original debit request from UPI. So, remitter bank does not
send ACK as well as response to UPI.
6.UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
seconds interval to RESPONSE WITH THE CORRECT STATUS . Remitter bank does not respond to the
ReqChkTxn.
7. UPI sends a DEBIT reversal to Remitting BANK
8. Remitting BANK sends a RespPay REVERSAL with failure and response code:OD- the original debit
request is not found.
9. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode UT and reversal
response code:OD
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank .
7. Beneficiary bank send Response with failure response code : ZY
8. Upi initiates ReqPay_Debit_Reversal to Remitter bank and remitter bank responds with reversal
respcode : ND
9. Upi throws negative Ack error : E15 (Invalid response code for this API)
10
. UPI sends a RespPay with Failure to Payer PSP with payer reversal response code= RR and error
code: U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank .
7. Beneficiary bank send Response with failure response code : ZY
8. Upi initiates ReqPay_Debit_Reversal to Remitter bank and remitter bank responds with reversal
respcode : OD
9. Upi throws negative Ack error : E15 (Invalid response code for this API)
10
. UPI sends a RespPay with Failure to Payer PSP with payer reversal response code= RR and error
code: U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank does not receive the original ReqPay_Debit message.
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank
5. Remitting Bank does not receive the original ReqPay_Debit message
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
NOTE : Remitter bank fails to send SubType is Pay to UPI, then the UPI will send negative
Ack(T13).
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer (UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP confirms the payment with mandate details.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's account which is blocked & sends successful
RespPayDebit to UPI
7. UPI sends a ReqPayCredit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit by
sending RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer (UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP confirms the payment with mandate details.
4. Payer PSP sends RespAuthDetail to UPI with all the Payer and Payee details obtained
5. UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank fails to send RespPayDebit to UPI within a time period.
7. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in
every 10
seconds interval to REAPONSE WITH THE CORRECT STATUS . Remitting bank does
not respond.
8. UPI sends a DEBIT reversal to Remitting BANK
9. Remitting BANK sends a RespPay REVERSAL with Success message.
10
. UPI sends a RespPay with Failure to Payee PSP
11. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
12. Payer PSP sends a RespTxnConfirmation back to UPI.
seconds interval to REAPONSE WITH THE CORRECT STATUS . Remitting bank does not respond.
7. UPI sends a DEBIT reversal to Remitting BANK
8. .Remitting BANK sends a RespPay REVERSAL with Success message with response code=CS
UPI declines the response with negative Ack "E13 " stating that CS response code is only for credit
success not for debit reversal.
9. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode UT reversal
response =RR
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting BANK sends a RespPay with Failure message with response code=CS and
Result="SUCCESS"
6. UPI declines the response with negative Ack "E13" stating that CS response code (Ref respCode is
mandatory & alphanumeric )
7. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
seconds interval to REAPONSE WITH THE CORRECT STATUS . Remitting bank does not respond.
8. UPI sends a DEBIT reversal to Remitting BANK
9. .Remitting BANK fails to sends a RespPay REVERSAL to UPI.
10
. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode UT reversal
response =RR
11. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
NOTE : Remitter bank fails to send acNum, IFSC & code then the UPI will send negative
Ack(E16, E17 & E18).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPayCredit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPayCredit to UPI.
8. UPI sends a RespPay with Success to Payer PSP and Payer PSP sends ACK.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Successful message.
10
.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPayCredit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPayCredit to UPI.
8. UPI sends a RespPay with Success to Payer PSP and Payer PSP sends ACK.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Successful message.
10
.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & RespPay_Debit is not sent to UPI
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
seconds interval to REAPONSE WITH THE CORRECT STATUS . Remitting bank does not respond.
7. UPI sends a DEBIT reversal to Remitting BANK
8. Remitting BANK sends a RespPay REVERSAL with Success message.
9. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode UT
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
Refer S.No.31 for other steps
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank. Remitter bank not receive the original request.
5. UPI haven't receive any response from bank. UPI checks the connection with bank. UPI declines the
transaction with connection timeout
6. UPI sends a RespPay with Failure to Payer PSP with error code - U85
7. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
8. Payee PSP sends a RespTxnConfirmation back to UPI.
9. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & RespPay_Debit is not sent to UPI
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
seconds interval to REAPONSE WITH THE CORRECT STATUS . Remitting bank does not respond.
7. UPI sends a DEBIT reversal to Remitting BANK
8. Remitting BANK fails to send response.
9. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode UT reversal
respCode=RB
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & RespPay_Debit is not sent to UPI
6. UPI sends three ReqChkTxn requests to remitting bank after the timed out of 30
sec in every 10
seconds interval to REAPONSE WITH THE CORRECT STATUS . Remitting bank does not respond.
7. UPI sends a DEBIT reversal to Remitting BANK
8. Remitting BANK fails to send response.
9. UPI sends a RespPay with Failure to Payer PSP with error code - U67 and respcode UT reversal
respCode=RB
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank. Beneficiary bank not receive the original request
beacause of connection timeout.
7. UPI checks the connection with bank. UPI declines the transaction with connection timeout.
8. UPI sends debit reversal request to remitter bank. Remitter bank sends Successful debit reversal
response.
8. UPI sends a RespPay with Failure to Payer PSP with error code- U88.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
10
. Payee PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
S.NO TEST ID DETAILS PSP as
BE_4 Te
BE_5 Te
BE_8 Te
BE_14
BE_15 Te
BE_16
API Involved : ReqPayCredit
RespPayCredit
Type : Credit
Approval Type : Non-Pre Approved
11 BE_17 Beneficiary
Payer Handle : VPA
Payee Handle : VPA
BE_18
28 BE_35 Beneficiary
API Involved: ReqPay, RespPay
Type : Credit
Approval Type: Pre-Approved
Payer Handle: VPA
Payee Handle : VPA
29 BE_36 Beneficiary
30
BE_37 Beneficiary
31 BE_38 Beneficiary
API Involved: ReqPay, RespPay
Type : Credit
Approval Type: Pre-Approved
Payer Handle: VPA
Payee Handle : VPA
32 BE_39 Beneficiary
33 BE_40
Beneficiary
34 BE_41 Beneficiary
API Involved : ReqPayDebit
RespPay_Debit
Type: Reversal
35 BE_42 Approval Type: Non-Pre Approved Beneficiary
Payer Handle : VPA
Payee Handle : VPA
U88
Failure
RespCode : XI (Beneficiary
NPCI
ACCOUNT DOES NOT EXIST Account
inactive)
Respcode=XC
INVALID TRANSACTION OR IF MEMBER IS Failure
NPCI
NOT ABLE TO FIND ANY APPROPRIATE
RESPONSE CODE
Respcode=B3 Failure
NPCI
Transaction not permitted to the account
when a transaction is timed out in credit leg
and reversal request is generated on
beneficiary bank then bank can decline the NPCI Failure
reversal request with 'NC' if credit not done
to the customer account.
1. Payer initiates a Pay Request by entering the Financial Address of payee of the shape
<accno>@<ifsc>.ifsc.npci ans send it to UPI.
2. UPI sends a ReqPay_Debit to remitter bank.
3. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
4. UPI sends a ReqPay_Credit to the Beneficiary Bank
5. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
6. UPI sends a RespPay with Success to Payer PSP.
7. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
tory to extra
tory to extra
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank and Beneficiary Bank times out.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank doesnot respond.
8. UPI initiates the Credit Reversal to Beneficiary bank and responds successfully
8. UPI sends a DEBIT reversal to Remitting BANK and responds successfully
9. UPI sends a RespPay with Failure to Payer PSP with error code- U68 and response code - BT.
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI.
6. UPI sends a ReqPay_Credit to Beneficiary.
7. Beneficiary Bank declines the transaction stating that inactive or dormant account and respond
back to UPI. Response code-ZY
8. UPI sends the ReqPay Debit with reversal to Remitting BANK
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a ResPay with FAILURE to Payer PSP with error code- U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
tory to extra
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank declines the transcation with closed account and responds back to UPI.Response
code-XI
8. UPI declines and sends the ReqPay with reversal to Remitting BANK.
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a RespPay with FAILURE to Payer PSP error code-U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank declines the transcation stating that bank unavailable and responds back to
UPI.Response code-Y1
8. UPI sends the ReqPay with reversal to Remitting BANK.
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a RespPay with FAILURE to Payer PSP error code-U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank declines the transcation stating that risk score is high due to suspected fraud and
responds back to UPI.Response code-ZI
8. UPI declines and sends the ReqPay with reversal to Remitting BANK.
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a RespPay with FAILURE to Payer PSP error code-U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI.
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI.
6. UPI sends Reqpay credit to beneficiary bank
7. Beneficiary bank declines the transaction with response code Z5
7. UPI sends ReqPay_debit reversal to remitting bank and remitter banks sends the success response
to UPI.
8. UPI sends a RespPay with FAILURE to Payer PSP error code-U31 and response code:Z5
9 UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
10
. Payee PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank declines the transcation stating that no appropriate response code and responds
back to UPI.Response code-XC
8. UPI declines and sends the ReqPay with reversal to Remitting BANK.
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a RespPay with FAILURE to Payer PSP error code-U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .12. Payee PSP sends a RespTxnConfirmation back to UPI.
d
tory to extra
d
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank declines the transcation stating that blocked account and responds back to
UPI.Response code-YF
8. UPI declines and sends the ReqPay with reversal to Remitting BANK.
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a RespPay with FAILURE to Payer PSP error code-U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount.
d
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank and Beneficiary Bank times out.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank doesnot respond.
8. UPI sends credit reversal to Beneficiary Bank. Benificiary bank fails to send response for reversal to
UPI system indicating that reversal also got timeout.
9. UPI sends a RespPay with Failure to Payer PSP with response code= BT and reversal response code:
RB
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank declines the transcation stating that transaction not permitted to the account and
responds back to UPI.Response code-B3
8. UPI declines and sends the ReqPay with reversal to Remitting BANK.
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a RespPay with FAILURE to Payer PSP error code-U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount.
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank and Beneficiary Bank times out.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank doesnot respond.
8. UPI sends credit reversal to Beneficiary Bank. Beneficiary bank send response for reversal to UPI
system indicating that response code=NC- Credit not done to the customer account
9. Upi initiates ReqPay_Debit_Reversal to Remitter bank and remitter bank reverse the customer
account succesfuly.
9. UPI sends a RespPay with Failure to Payer PSP with response code= BT, error code: U68 and
reversal response code: NC
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank and Beneficiary Bank doesn't send Ack as well as
response to upi as request not received.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank doesnot respond.
8. UPI sends credit reversal to Beneficiary Bank. Benificiary bank send response for reversal to UPI
system indicating that response code=OC - the orginal credit request is not found
9. UPI should initiate debit reversal to remitter bank and remitter bank send successful response to
UPI.
10
. UPI sends a RespPay with Failure to Payer PSP with response code= BT, error code: U68 and payee
reversal response code: OC - the original credit request is not found
11. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank and Beneficiary Bank does not receive the
original ReqPay_Credit message.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
NOTE : Beneficiary bank fails to send SubType is Pay to UPI, then the UPI will send negative
Ack(T13).
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPayDebit to UPI
6. UPI sends ReqPayCredit to the Beneficiary Bank and Beneficiary Bank failed to send Ack &
response to upi.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank does not respond.
8. UPI sends credit reversal to Beneficiary Bank. Beneficiary bank send response for reversal to UPI
system indicating that response code=CS & Result = "Failure" .
9.UPI declines with negative ack = "E13" stating credit reversal result = Deemed.
10
. UPI sends a RespPay with Success to Payer PSP with response code=BT & reversal response code:
RB
11. UPI sends a ReqTxnConfirmation to Payee PSP .
12. Payee PSP sends a RespTxnConfirmation back to UPI.
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPayDebit to UPI
6. UPI sends ReqPayCredit to the Beneficiary Bank and Beneficiary Bank failed to send Ack &
response to upi. G5
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank does not respond.
8. UPI sends credit reversal to Beneficiary Bank. Beneficiary bank send response for reversal to UPI
system indicating that response code=CS - Result = "Success" & settAmount = 0
.0
0
.
9.UPI declines with negative ack = "U57 " stating that settAmount should not be or equal to 0
(ZERO).
10
. UPI sends a RespPay with Deemed to Payer PSP with response code=BT & reversal response code:
RB
11. UPI sends a ReqTxnConfirmation to Payee PSP.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPayDebit to UPI
6. UPI sends ReqPayCredit to the Beneficiary Bank and Beneficiary Bank send Ack to upi but failed to
send response to upi.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank does not respond.
8. UPI sends credit reversal to Beneficiary Bank. Beneficiary bank send response for reversal to UPI
system indicating that response code=CS Result = "Success" errorcode =CS.
9.UPI declines with negative ack = "E0
5" errCode should not be present for Credit success (CS) "
10
. UPI sends a RespPay with Deemed to Payer PSP with response code=BT & reversal response code:
RB
11. UPI sends a ReqTxnConfirmation to Payee PSP
12. Payee PSP sends a RespTxnConfirmation back to UPI.
seconds interval as a reminder to complete the transaction. Beneficiary bank does not respond.
6. UPI sends credit reversal to Beneficiary Bank. Beneficiary bank send response for reversal to UPI
system indicating that response code=CS Credit successful
7. UPI sends a RespPay with Success to Payer PSP with response code=BT & reversal response code:
CS credit Successful
8. UPI sends a ReqTxnConfirmation to Payee PSP with Success message.
9. Payee PSP sends a RespTxnConfirmation back to UPI.
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. UPI sends ReqPayCredit to the Beneficiary Bank and Beneficiary Bank failed to send Ack &
response to upi.
6. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank does not respond.
7. UPI sends credit reversal to Beneficiary Bank. Beneficiary bank send response for reversal to UPI
system indicating that response code=CS Credit successful
8. UPI sends a RespPay with Success to Payer PSP with response code=BT & reversal response code:
CS credit Successful
9. UPI sends a ReqTxnConfirmation to Payee PSP with Success message.
10
. Payee PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP for address resolution.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
5. UPI sends a ReqPayDebit to remitter bank. Remitter bank sends a succesful response to UPI.
6. UPI sends ReqPayCredit to the Beneficiary Bank and Beneficiary Bank failed to send Ack &
response to upi.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank does not respond.
8. UPI sends credit reversal to Beneficiary Bank. Beneficiary bank send response for reversal to UPI
system indicating that response code=CS & Result = "Success" .
9. UPI sends a RespPay with Success to Payee PSP with response code=BT & reversal response code:
CS credit Successful
10
. UPI sends a ReqTxnConfirmation to Payer PSP with Success message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP for address resolution.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
5.UPI sends a ReqPayDebit to remitter bank. Remitter sends
6. UPI sends ReqPayCredit to the Beneficiary Bank and Beneficiary Bank.
7. Beneficiary bank sends a failure response as respCode="CS" & result="Failure".
8. UPI declines with the negative ACK as errCode="E13" (Ref respCode is mandatory & alphanumeric)
9. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank does not respond.
10
. UPI sends credit reversal to Beneficiary Bank. Beneficiary bank send response for reversal to UPI
system indicating that response code=CS & Result = "Success" .
11. UPI sends a RespPay with Success to Payee PSP with response code=BT & reversal response code:
CS credit Successful
12. UPI sends a ReqTxnConfirmation to Payer PSP with Success message.
13. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP for address resolution.
3. Payer PSP sends the notification to customer for customer confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
5. UPI sends a ReqPayDebit to remitter bank. Remitter sends a success response to UPI.
6. UPI sends ReqPayCredit to the Beneficiary Bank.
7. Beneficiary bank fails to send a response.
8. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
NOTE : Beneficiary bank fails to send acNum, IFSC & code then the UPI will send negative
Ack(E16,E17 & E18).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the payee
2. As a pre-approved transaction, remitter will debits the customer account automatically
and sends the approval no and response code in the pre-approved cred block
3. UPI forwards ReqAuthDetail to payee to resolve the address.
4. Payee psp sends the RespAuthDetail with the Beneficiary details of ACTYPE as NRE
5. UPI sends ReqPayCredit to beneficiary bank to credit the NRE account.
6. Beneficiary bank validates the actype and credit the customer's account
7. UPI sends final RespPay to Payer psp.
8. UPI also sends ReqTxnConfirmation to payee psp.
9. Payee psp sends a RespTxnConfirmation back to UPI
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI,
then the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the payee
2. As a pre-approved transaction, remitter will debits the customer account automatically
and sends the approval no and response code in the pre-approved cred block
3. UPI forwards ReqAuthDetail to payee to resolve the address.
4. Payee psp sends the RespAuthDetail with the Beneficiary details of ACTYPE as NRE
5. UPI sends ReqPayCredit to beneficiary bank to credit the NRE account.
6. Beneficiary bank validates the actype and credit the customer's account
7. UPI sends final RespPay to Payer psp.
8. UPI also sends ReqTxnConfirmation to payee psp.
9. Payee psp sends a RespTxnConfirmation back to UPI
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI,
then the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the payee
2. As a pre-approved transaction, remitter will debits the customer account automatically
and sends the approval no and response code in the pre-approved cred block
3. UPI forwards ReqAuthDetail to payee to resolve the address.
4. Payee psp sends the RespAuthDetail with the Beneficiary details of ACTYPE as NRE
5. UPI sends ReqPayCredit to beneficiary bank to credit the NRE account.
6. Beneficiary bank validates the actype and sends failure stating that transaction is not
supported by bank. respcode="NE"
7. UPI sends final RespPay to Payer psp.
8. UPI also sends ReqTxnConfirmation to payee psp.
9. Payee psp sends a RespTxnConfirmation back to UPI
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI,
then the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the payee
2. As a pre-approved transaction, remitter will debits the customer account automatically
and sends the approval no and response code in the pre-approved cred block
3. UPI forwards ReqAuthDetail to payee to resolve the address.
4. Payee psp sends the RespAuthDetail with the Beneficiary details of ACTYPE as NRE
5. UPI sends ReqPayCredit to beneficiary bank to credit the NRE account.
6. Beneficiary bank validates the actype and credit the customer's account
7. UPI sends final RespPay to Payer psp.
8. UPI also sends ReqTxnConfirmation to payee psp.
9. Payee psp sends a RespTxnConfirmation back to UPI
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI,
then the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the payee
2. As a pre-approved transaction, remitter will debits the customer account automatically
and sends the approval no and response code in the pre-approved cred block
3. UPI forwards ReqAuthDetail to payee to resolve the address.
4. Payee psp sends the RespAuthDetail with the Beneficiary details of ACTYPE as NRE
5. UPI sends ReqPayCredit to beneficiary bank to credit the NRE account.
6. Beneficiary bank validates the details and sends failure response code="XW" stating that
beneficiary compliance error
7. UPI sends final RespPay to Payer psp.
8. UPI also sends ReqTxnConfirmation to payee psp.
9. Payee psp sends a RespTxnConfirmation back to UPI
NOTE : Payer PSP send Initiation mode = "12" but Institution Block is not present to UPI,
then the UPI will send negative Ack (PI0).
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPayCredit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPayCredit to UPI.
8. UPI sends a RespPay with Success to Payer PSP and Payer PSP sends ACK.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Successful message.
10
.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
1. Payer PSP initiates a Pay Request by entering the Virtual Address of the Payee.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPayCredit to the Beneficiary Bank
7. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPayCredit to UPI.
8. UPI sends a RespPay with Success to Payer PSP and Payer PSP sends ACK.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Successful message.
10
.Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPayDebit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPayCredit to the Beneficiary Bank and Beneficiary Bank times out.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in
every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank does
not respond.
8. UPI initiates the Credit Reversal to Beneficiary bank and responds successfully
8. UPI sends a DEBIT reversal to Remitting BANK and responds successfully
9. UPI sends a RespPay with Failure to Payer PSP with error code- U68 and response code -
BT.
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI.
The CBS entry should reflect the correct amount. .
1. Payee initiates a Collect Request by entering the Virtual Address of the Payer (UMN@psp)
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve the address.
3. Payer PSP confirms the payment with mandate details.
4. Payer PSP sends RespAuthDetail to UPI.
With all the Payer and Payee details obtained
5.UPI sends a ReqPayDebit to remitter bank.
6. Remitting Bank debits the customer's account with the mandate block & sends successful
RespPay_Debit to UPI
7. UPI sends a ReqPayCredit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and responds successful credit by
sending RespPayCredit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank. Beneficiary bank not receive the original request.
7. UPI haven't receive any response from bank. UPI checks the connection with bank. UPI declines
the transaction with connection timeout
8. UPI sends a RespPay with Failure to Payer PSP with error code- U88.
9. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
10
. Payee PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank and Beneficiary Bank times out.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank doesnot respond.
8. UPI sends credit reversal to Beneficiary Bank. Benificiary bank fails to send response for reversal to
UPI system indicating that reversal also got timeout.
9. UPI sends a RespPay with Failure to Payer PSP with response code= BT and reversal response code:
RB
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends ReqPay_Credit to the Beneficiary Bank and Beneficiary Bank times out.
7. UPI sends three ReqChkTxn requests to beneficiary bank after the timed out of 30
sec in every 10
seconds interval as a reminder to complete the transaction. Beneficiary bank doesnot respond.
8. UPI sends credit reversal to Beneficiary Bank. Benificiary bank fails to send response for reversal to
UPI system indicating that reversal also got timeout.
9. UPI sends a RespPay with Failure to Payer PSP with response code= BT and reversal response code:
RB
10
. UPI sends a ReqTxnConfirmation to Payee PSP with Failure message.
11. Payee PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The CBS
entry should reflect the correct amount. .
HOME
S.NO TEST ID DETAILS
to Rs. 10
0
to Rs. 10
0
and send RespAuthDetail to UPI.
5.UPI sends a ReqPay_Debit to remitter bank.
6. Remitting Bank debits the customer's account & sends
RespPay_Debit to UPI
7. UPI sends a ReqPay_Credit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and
respond successful credit by sending RespPay_Credit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with
Successfull message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and
receive RespBalEnq from UPI. The CBS entry should reflect the
correct amount. .
Optional
1. Payee initiates a Collect Request by entering the Virtual
Address of the Payer .
2. UPI sends ReqAuthDetail to Payer PSP in order to resolve
the address.
3. Payer PSP sends the notification to customer for customer
confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
5.UPI sends a ReqPay_Debit to remitter bank.
6. Remitting Bank debits the customer's account & sends
RespPay_Debit to UPI
7. UPI sends a ReqPay_Credit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and
responds successful credit by sending RespPay_Credit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with
successful message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12.Payer and payee should initiate ReqBalEnq api to UPI and
receive RespBalEnq from UPI. The CBS entry should reflect the
correct amount. .
1. Payee initiates a Collect Request by entering the Virtual
Address of the Payer.
2.UPI sends ReqAuthDetail to Payer PSP in order to resolve
the address.
3. Payer PSP sends the notification to customer for customer
confirmation of the payment.
4. Payer PSP sends RespAuthDetail to UPI.
5.UPI sends a ReqPay_Debit to remitter bank.
6. Remitting Bank debits the customer's account & sends
RespPay_Debit to UPI
7. UPI sends a ReqPay_Credit to the Beneficiary Bank
8. Beneficiary Bank Credits the customer's account and
respond successful credit by sending RespPay_Credit to UPI.
9. UPI sends a RespPay with Success to Payee PSP
10
. UPI sends a ReqTxnConfirmation to Payer PSP with
Successfull message.
11. Payer PSP sends a RespTxnConfirmation back to UPI.
12. Payer and payee should initiate ReqBalEnq api to UPI and
receive RespBalEnq from UPI. The CBS entry should reflect the
correct amount
RespPayCredit
Type : Credit
4 BE_4 Approval Type : Non-Pre Approved Beneficiary
Payer Handle : VPA
Payee Handle : Mobile no+MMID
RespPayCredit
Type : Credit
5 BE_5 Approval Type : Non-Pre Approved Beneficiary
Payer Handle : VPA
Payee Handle : Aadhaar+IIN
RespPayCredit
Type : Credit
6 BE_8 Approval Type : Non-Pre Approved Beneficiary
Payer Handle : VPA
Payee Handle : VPA
API Involved : ReqPayCredit
RespPayCredit
Type : Credit
7 BE_15 Approval Type : Non-Pre Approved Beneficiary
Payer Handle : VPA
Payee Handle : Mobile No+MMID
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TXN INITIATED STATUS
TEST DESCRIPTION BY
Partial
Partial Debit Reversal timeout .reversal response
code: RP NPCI
A Pay Scenario where Payer is using Acc No + NPCI Success
IFSC & Payee is Mobile no and MMID
Partial
Partial Debit Reversal NPCI
Respcode=XK Failure
NPCI
REQUESTED FUNCTION NOT SUPPORTED
TEST STEPS
1. Payer initiates a Pay Request by entering the Virtual Address of the two Payees and PIN.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI.
6. UPI sends a ReqPay_Credit to the Beneficiary Bank of payee customer 1 and Beneficiary Bank
Credits the customer's account and responds successful credit to UPI.
7. UPI sends a ReqPay_Credit to the Beneficiary Banks of payee customer 2 and Beneficiary Bank
declines the Credit transaction and responds back to UPI.
8. UPI sends a Partial DEBIT reversal to Remitting BANK and Remitting Bank sends Response.
9. UPI sends the RespPay with Partial message to Payer's PSP and respnse code:ZY
10
.Two ReqTxnConfirmation message to both the Payee PSPs, one SUCCESS and the other
FAILURE.
10
. Payee's PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee .
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitter Bank declines the transcation stating that does not handle the MMID function and
responds back to UPI. Response code- XJ
6. UPI sends a RespPay with FAILURE to Payer PSP with error code-U30
1. Payer initiates a Pay Request by entering the Virtual Address of the two Payees and PIN.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI.
6. UPI sends a ReqPay_Credit to the Beneficiary Bank of payee customer 1 and Beneficiary Bank
Credits the customer's account and responds successful credit to UPI.
7. UPI sends a ReqPay_Credit to the Beneficiary Banks of payee customer 2 and Beneficiary Bank
declines the Credit transaction and responds back to UPI.Response code-ZY
8. UPI sends a Partial DEBIT reversal to Remitting BANK and Remitting Bank does not send
reversal response to UPI system indicating that partial reversal also got timeout.
9. UPI sends the RespPay with Partial message to Payer's PSP and response code:ZY ,Reversal
response code:RP
10
.Two ReqTxnConfirmation message to both the Payee PSPs, one SUCCESS and the other
FAILURE.
10
. Payee's PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Financial Address of the Payee customer .
2. UPI sends a ReqPay_Debit to remitter bank.
3. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
4. UPI sends a ReqPay_Credit to the Beneficiary Bank
5. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
6. UPI sends a RespPay with Success to Payer PSP
7. UPI sends a ReqTxnConfirmation to Payee PSP with Successfull message.
8. Payee PSP sends a RespTxnConfirmation back to UPI.
9. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Financial Address of the Payee customer. Account
Information contains AADHAAR NO. and IIN.
2. UPI sends a ReqPay_Debit to remitter bank.
3. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
4. UPI sends a ReqPay_Credit to the Beneficiary Bank
5. Beneficiary Bank Credits the customer's account and respond successful credit by sending
RespPay_Credit to UPI.
6. UPI sends a RespPay with Success to Payer PSP
7. UPI sends a ReqTxnConfirmation to Payee PSP with Successfull message.
8. Payee PSP sends a RespTxnConfirmation back to UPI.
9. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the two Payees customer and
PIN.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & send the RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank of payee customer 1 and Beneficiary Bank
Credits the customer's account and responds successful credit to UPI.
7. UPI sends a ReqPay_Credit to the Beneficiary Banks of payee customer 2 and Beneficiary Bank
reject the Credit transaction and responds back to UPI. Response code-XI
8. UPI sends a DEBIT reversal to Remitting BANK and Remitting Bank sends the Response reversal
to UPI.
9. UPI sends the respPay with Partial message to Payer's PSP and response code:XI
10
. ReqTxnConfirmation message to both the Payee PSPs, one SUCCESS and the other FAILURE.
10
. Payee's PSP sends a RespTxnConfirmation back to UPI.
11. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount. .
1. Payer initiates a Pay Request by entering the Virtual Address of the Payee customer.
2. UPI sends ReqAuthDetail to Payee PSP in order to resolve the address
3. Payee PSP sends RespAuthDetail to UPI
4. UPI sends a ReqPay_Debit to remitter bank.
5. Remitting Bank debits the customer's account & sends RespPay_Debit to UPI
6. UPI sends a ReqPay_Credit to the Beneficiary Bank
7. Beneficiary Bank declines the transcation stating that requested MMID function does not
exists and responds back to UPI.Response code-XK
8. UPI declines and sends the ReqPay with reversal to Remitting BANK.
9. Remitting BANK sends a RespPay REVERSAL with SUCCESS message.
10
. UPI sends a RespPay with FAILURE to Payer PSP error code-U31.
11. UPI sends a ReqTxnConfirmation to Payee PSP with FAILURE message.
12. Payee PSP sends a RespTxnConfirmation back to UPI.
13. Payer and payee should initiate ReqBalEnq api to UPI and receive RespBalEnq from UPI. The
CBS entry should reflect the correct amount. .
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TEST ID FUNCTIONALITY
MA_1 Mobile number verification
a) Change MPIN
MA_9
b)Forget MPIN
E2E CASES
The following are to be verified in the new app released with CL 1.5
compatibility:
1) MPIN to be changed to UPI PIN
2) Confirm UPI PIN functionality
3) OTP auto reading functionality
4) Virtual keyboard option
5) Multi-lingual support
6) Forgot PIN option
7) Resend OTP functionality
8) Verified merchant symbol