upi_inr_native

upi_inr_native (QR Flow)

The merchant displays a dynamic QR code. The customer scans it using any UPI-enabled app and authenticates with their UPI PIN. Funds settle instantly.

Step 1: Create a Payin

Create a payin with invoice_currency: INR. The payin is created with status requires_payment_method.

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin \
     --header 'accept: application/json' \
     --header 'authorization: Basic xxxxxxxXXXXxxxxxxxxxxxxxxxxx' \
     --header 'content-type: application/json' \
     --data '{
  "invoice_currency": "INR",
  "amount": 10000,
  "transaction_description": "Test"
}'

Step 2: Confirm the Payin

Confirm the payin to generate a QR code. Status moves to requires_action.Pass the following in payment_method_details:

Field	Subfield	Type	Required	Description
`type`		enum	Yes	Must be `upi_inr_native`
`items`		array	Yes	List of items
	`name`	string	Yes	Item name
	`description`	string	No	Item description
	`amount`	int64	Yes	Unit price
	`quantity`	int64	Yes	Quantity

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin/pay_cttprok2ukmk385sbfm0/confirm \
     --header 'accept: application/json' \
     --header 'authorization: Basic xxxxxxxXXXXxxxxxxxxxxxxxxxxx' \
     --header 'content-type: application/json' \
     --data '{
  "customer_details": {
    "name": "Andrea Lark",
    "email": "andrea@example.com",
    "country": "IN"
  },
  "items": [
    {
      "name": "Software Service for Antivirus",
      "description": "Firewall Antivirus",
      "amount": 10000,
      "quantity": 1
    }
  ],
  "payment_method_details": {
    "type": "upi_inr_native"
  }
}'

Combine Steps 1 & 2 into a single API call

Pass all parameters to the Create Payin endpoint along with "confirm": true.

Field	Type	Required	Description
`confirm`	boolean	Yes	Confirms the payin on creation

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin \
     --header 'accept: application/json' \
     --header 'authorization: Basic xxxxxxxXXXXxxxxxxxxxxxxxxxxx' \
     --header 'content-type: application/json' \
     --data '{
  "customer_details": {
    "name": "Andrea Lark",
    "email": "andrea@example.com",
    "country": "IN"
  },
  "items": [
    {
      "name": "Software Service for Antivirus",
      "description": "Firewall Antivirus",
      "amount": 10000,
      "quantity": 1
    }
  ],
  "confirm": true,
  "invoice_currency": "INR",
  "amount": 10000,
  "transaction_description": "test",
  "payment_method_details": {
    "type": "upi_inr_native"
  }
}'

Step 3: Display the QR Code

The confirm response includes a qr_code field (Base64-encoded) inside latest_payment_attempt_data. Decode and render it for the customer to scan.

{
  "data": {
    "status": "requires_action",
    "latest_payment_attempt_data": {
      "qr_code": "MDAwMjAxMjY1ODAwMDlTRy5QQVlOT1cwMTAxMjAyMTMyMDExMjA3OTdSMDAxMDMwMTAwNDE0MjAyNDAyMDYxODQwMDk1MjA0MDAwMDUzMDM3MDI1NDA2MTAwLjAwNTgwMlNHNTkyM1JFRCBET1QgUEFZTUVOVCBQVEUgTFRENjAwOVNpbmdhcG9yZTYyMjAwMTE2UVIyMDI0MDIwNlM5OTdIODYzMDQyRjA3"
    }
  }
}

The QR code expires after 5 minutes. If the customer does not pay within this window, re-confirm the payin (Step 2) to generate a new QR code.

Step 4: Handle Post-Payment Events

Tazapay sends webhooks to your configured endpoint.

Event	Description	Next Steps
`payin.succeeded`	Customer paid before expiry	Fulfill the order
`payment_attempt.failed`	QR code expired unpaid	Re-confirm the payin to generate a new QR

Testing

Scenario	Action
Simulate success	Click Simulate Success on the `redirect_url` → receives `payin.succeeded`
Simulate failure	Click Simulate Failure on the `redirect_url` → receives `payment_attempt.failed`

Refunds

upi_inr_native supports partial refunds.

Via Dashboard
Via API

Refer to the refund guide.

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/refund \
     --header 'accept: application/json' \
     --header 'authorization: Basic xxxxxxxXXXXxxxxxxxxxxxxxxxxx' \
     --header 'content-type: application/json' \
     --data '{
  "payin": "pay_cmiiaamaq0pbt3fkadm0",
  "amount": 10000,
  "currency": "INR",
  "reason": "Customer Return"
}'

amount and currency are not required for a full refund.

upi_inr_native (VPA Flow)

The customer enters their UPI VPA (e.g., test@bank) at checkout. A collect request is sent to their UPI-linked bank app. The customer approves and authenticates with their UPI PIN — funds settle instantly.

Step 1: Create a Payin

Create a payin with invoice_currency: INR. The payin is created with status requires_payment_method.

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin \
     --header 'accept: application/json' \
     --header 'authorization: Basic xxxxxxxXXXXxxxxxxxxxxxxxxxxx' \
     --header 'content-type: application/json' \
     --data '{
  "invoice_currency": "INR",
  "amount": 10000,
  "transaction_description": "Test"
}'

Step 2: Confirm the Payin

Confirm the payin to send a collect request to the customer’s UPI app. Status moves to requires_action.Pass the following in payment_method_details:

Field	Subfield	Type	Required	Description
`type`		enum	Yes	Must be `upi_inr_native`
`upi_inr_native`		object	Yes	UPI payment details
	`payer_vpa`	string	Yes	Customer’s VPA (e.g., `test@bank`). Alphanumeric with `.` and `@` only — no spaces or special characters.
`items`		array	Yes	List of items
	`name`	string	Yes	Item name
	`description`	string	No	Item description
	`amount`	int64	Yes	Unit price
	`quantity`	int64	Yes	Quantity

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin/pay_cttprok2ukmk385sbfm0/confirm \
     --header 'accept: application/json' \
     --header 'authorization: Basic xxxxxxxXXXXxxxxxxxxxxxxxxxxx' \
     --header 'content-type: application/json' \
     --data '{
  "customer_details": {
    "name": "Andrea Lark",
    "email": "andrea@example.com",
    "country": "IN"
  },
  "items": [
    {
      "name": "Software Service for Antivirus",
      "description": "Firewall Antivirus",
      "amount": 10000,
      "quantity": 1
    }
  ],
  "payment_method_details": {
    "type": "upi_inr_native",
    "upi_inr_native": {
      "payer_vpa": "test@bank"
    }
  }
}'

Combine Steps 1 & 2 into a single API call

Pass all parameters to the Create Payin endpoint along with "confirm": true.

Field	Type	Required	Description
`confirm`	boolean	Yes	Confirms the payin on creation

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payin \
     --header 'accept: application/json' \
     --header 'authorization: Basic xxxxxxxXXXXxxxxxxxxxxxxxxxxx' \
     --header 'content-type: application/json' \
     --data '{
  "customer_details": {
    "name": "Andrea Lark",
    "email": "andrea@example.com",
    "country": "IN"
  },
  "items": [
    {
      "name": "Software Service for Antivirus",
      "description": "Firewall Antivirus",
      "amount": 10000,
      "quantity": 1
    }
  ],
  "confirm": true,
  "invoice_currency": "INR",
  "amount": 10000,
  "transaction_description": "test",
  "payment_method_details": {
    "type": "upi_inr_native",
    "upi_inr_native": {
      "payer_vpa": "test@bank"
    }
  }
}'

The collect request expires after 5 minutes. If the customer does not approve within this window, re-confirm the payin (Step 2) to send a new request.

Step 3: Handle Post-Payment Events

Tazapay sends webhooks to your configured endpoint.

Event	Description	Next Steps
`payin.succeeded`	Customer approved before expiry	Fulfill the order
`payment_attempt.failed`	Request expired unapproved	Re-confirm the payin to send a new collect request

Testing

Scenario	Action
Simulate success	Click Simulate Success on the `redirect_url` → receives `payin.succeeded`
Simulate failure	Click Simulate Failure on the `redirect_url` → receives `payment_attempt.failed`

Refunds

upi_inr_native supports partial refunds.

Via Dashboard
Via API

Refer to the refund guide.

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/refund \
     --header 'accept: application/json' \
     --header 'authorization: Basic xxxxxxxXXXXxxxxxxxxxxxxxxxxx' \
     --header 'content-type: application/json' \
     --data '{
  "payin": "pay_cmiiaamaq0pbt3fkadm0",
  "amount": 10000,
  "currency": "INR",
  "reason": "Customer Return"
}'

amount and currency are not required for a full refund.

Overview

Payment Methods

Integration

Testing

Post-Payment

Step 1: Create a Payin

Step 2: Confirm the Payin

Step 3: Display the QR Code

Step 4: Handle Post-Payment Events

Testing

Refunds

Step 1: Create a Payin

Step 2: Confirm the Payin

Step 3: Handle Post-Payment Events

Testing

Refunds

​Step 1: Create a Payin

​Step 2: Confirm the Payin

​Step 3: Display the QR Code

​Step 4: Handle Post-Payment Events

​Testing

​Refunds

​Step 1: Create a Payin

​Step 2: Confirm the Payin

​Step 3: Handle Post-Payment Events

​Testing

​Refunds

Step 1: Create a Payin

Step 2: Confirm the Payin

Step 3: Display the QR Code

Step 4: Handle Post-Payment Events

Testing

Refunds

Step 1: Create a Payin

Step 2: Confirm the Payin

Step 3: Handle Post-Payment Events

Testing

Refunds