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What kind of apps can be built on UPI?

What kind of apps can be built on UPI?

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26 Feb, 2016, 04:30 AM
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  • jchawda
    7 months ago

    Hello Sanjay, When will we be getting the NPCI Common libraries, unless those are made available , we cannot capture the users`s secure credentials and thus process stays incomplete.

    • npci
      7 months ago

      We will be providing the same by Monday EOD

  • siva.cotipalli1
    7 months ago

    Hi, after the commercial launch of 8th Apr, when do you think PSPs will open up the APIs for startups/other companies?

    • theswamy
      AMA Host
      7 months ago

      Assuming the core platform takes a quarter or two to stabilize, we should expect a few PSP’s to be open for business in 2nd half of this year, hopefully 3rd quarter. This is purely an opinion – not an official response 😉

  • arvind_rv1
    7 months ago

    Hi ..Is there a live stream?

  • theswamy
    AMA Host
    7 months ago

    Hello Everyone – welcome to the #UPI #AMA. Love to hear about the apps you are building on UPI and answer/clarify any functional questions. This is a non-technical session.

  • sreedhar2dot0
    7 months ago

    Hi Sanjay, Good Afternoon. In UPI three Party model collect request Flow, its mentioned that Payee PSP and Beneficiary Bank can be different? Can you please give an example on this?

    • theswamy
      AMA Host
      7 months ago

      Hmm – not sure I understand the question but will explain based on what I’ve understood.

      Today if you have to pay someone using your HDFC Bank account, you need to use the HDFC Mobile Banking app – and the Payee is identified with their credentials at the beneficiary bank – let’s say ICICI Bank in this example. However with UPI, I could use my Paytm app to authenticate myself and authorize a payment from my HDFC Bank account With UPI you could use a 3rd party app, eg. Paytm and make a payment directly from your HDFC Bank account to the Payee’s ICICI Bank account. This is an example of a Payee PSP (Paytm) being differnet from the Beneficiary Bank.
      Does this answer your question?

  • chaitanyaamin
    7 months ago

    Am trying to build a App that combines Smart Contracts on the blockchain, iOT and UPI Apis. App is built on Nodejs/Meteor platform. Do I need to link common lib or can i just make the http UPI Api calls from Nodejs/Meteor? If common lib is required what language will common lib be in?? Will it be available for linux?

    • theswamy
      AMA Host
      7 months ago

      Guys – I can’t answer any tech questions – post them on the discussion forum for the hackathon or wait for a technical AMA. Sorry 😉

    • pramodkvarma
      7 months ago

      You can call the link via a PSP. You do not need common lib for server.

  • ryansingh77
    7 months ago

    Hi Sanjay,
    Would the API(s) for UPI based transaction provided by NPCI chargeable or free to use for external app developers?
    Thanks

    • theswamy
      AMA Host
      7 months ago

      Pricing for UPI is being finalized – and is expected to be announced at the commercial launch on April 8th. I think its safe to expect that this will be one of the lowest cost transaction networks in the market – standby for the details.

  • manish416
    7 months ago

    Hi … we are currently in development phase of a healthcare platform which is using aadhar ekyc & npci payment gateway. Main reason behind participation in this hackathon is the eligibility criteria for KUA registration which states “Startup who is among the top 3 awardees in Aadhaar based Hackathon organized with minimum 100 participants would be eligible for provisional AUA with relaxation on technical and financial eligibility criteria.”

    If we win this hackathon, will this hackathon can be considered as a base for UIDAI KUA eligibility exemption.

    • theswamy
      AMA Host
      7 months ago

      Hmm – sounds like an exciting use case. I believe this is only for AUA eligibility but will confirm and revert after this AMA.

      • manish416
        7 months ago

        We are actually looking for an AUA license. For AUA, 1 Crore paidup capital is required which we don’t have. If thats not possible we will have to go for Sub-AUA (for which khosla labs charges 2 lacs setup fees & per transaction charges) and not affordable for us at this stage. How can I contact you directly after this AMA ?

    • pramodkvarma
      7 months ago

      You can become AUA. Of course you can also be a sub-AUA. eKYC access is a bit restricted. Check authportal.uidai.gov.in

  • sreedhar2dot0
    7 months ago

    Hi Sanjay, we are a Peer to Peer collaboration and tracking platform. Our payment requirement is one peer need to pay other Peer on monthly basis for couple of years and platform need to facilitate payment collection and billing. (Platform need to trigger collect pay to a peer on behalf of another peer and success of transaction need to be known to the platform to generate receipts for payer on behalf of payee). is this possible in UPI that without the platform becoming a Merchant nodal account and receive /settle in between them?

    • theswamy
      AMA Host
      7 months ago

      Technically it is possible – however you will need to work with a PSP and they may require you to have a nodal account and you are providing a platform for other billers (i’m guessing these are business entities?).

      • sreedhar2dot0
        Edited
        7 months ago

        Hi, Sanjay, we are not collecting for business entities. Our requirement is equivalent to Tenant paying to landlord or Borrower paying to Lender in P2P lending. In these scenarios, we are exploring a way to settle directly to avoid operation hassles of file upload to settle from merchant account etc and to avoid delay of 1 day in settlement from merchant account approach?

  • chaitanyaamin
    7 months ago

    Do you see these API’s being opened to startups to build disruptive finance apps?

    • theswamy
      AMA Host
      7 months ago

      Absolutely – you will need access to a PSP or become a PSP – but the whole idea of exposing the API’s is that startups and other innovators should ride on these API’s and build new products.

  • mediratta
    7 months ago

    Does UPI makes payment gateway a commodity? In the sense, now using UPI anyone can write program which enables transfer of money between two parties using their aadhar number (or phone number)?

    • theswamy
      AMA Host
      7 months ago

      Absolutely – Aadhaar#, Mobile# and also virtual addresses for all kinds of payments – transactions, face2face, remote payments, push & pull payments, part payments, tokens for future use, limit-based etc.

  • kader81
    7 months ago

    While pricing for UPI is getting finalized – will NPCI provide public PSP as well ? I believe all transactions goes through PSP.
    So that whatever mobile app we develop – it can use public PSP.

    • theswamy
      AMA Host
      7 months ago

      I don’t believe there are plans for a public PSP at this point. Perhaps NPCI UPI can clarify?

      • kader81
        7 months ago

        Thanks Sanjay. Only issue I see here is – PSP can also charge on top of UPI API for mobile apps.

        • pramodkvarma
          7 months ago

          But since all banks are PSPs including upcoming payment banks and small banks, you have enough choice 🙂

          • kader81
            7 months ago

            Ok Thanks. I agree that we will have lot of choices.

        • theswamy
          AMA Host
          7 months ago

          Yes – true – they have to make a living. But with multiple PSP’s coming out the pricing will get competitive – that’s the nature of the architecture.

  • siva.cotipalli1
    7 months ago

    Hi Sanjay, Good afternoon… what kind of companies/entities can access UPI APIs? Do we need to be a financial services licensed entity to use them or any startup can use these APIs?

    • theswamy
      AMA Host
      7 months ago

      API’s from NPCI will be made available to PSP’s – and from PSP’s as per their policies to startups and other entities. We expect several PSP’s will liberally make these API’s available to startups.

      • chaitanyaamin
        7 months ago

        That is very interesting…… Can participants stay in touch with NPCI / PSP after this hackathon? Some of us want to take this forward. Would be great if NPCI helps in this regard…

        • pramodkvarma
          7 months ago

          Will discuss a mechanism to allow developer sandbox available for experiments. But, for production access, you need to work with one (or more) of the banks.

          • theswamy
            AMA Host
            7 months ago

            or PSPs

            • ramchandar.r
              7 months ago

              Interesting to see the willingness in providing a Sandbox and sure that will open up many opportunities

  • sugumartr
    7 months ago

    Hi,
    In “Collecting money from friend” – it mentioned A is sending collect request to B. B is getting SMS alert. B is hold the approval. After some time who will initiate the remainder for B in case of not confirmed. what Source PSP (A’s bank) has to do?

    • theswamy
      AMA Host
      7 months ago

      Is this a part payment in the first phase?

      • sugumartr
        7 months ago

        Yes, This is the part of payment.

        • pramodkvarma
          7 months ago

          If A sends collect request via A’s PSP, then reminder should be sent by A. Of course, B’s PSP app can auto remind based on the expiry of the collect (as a convenience feature).

          • sugumartr
            7 months ago

            A’s PSP Server or A’s mobile app?

            • pramodkvarma
              7 months ago

              Depends if the application is sending reminder or human is sending.

  • tutorialapps5
    Edited
    7 months ago

    Hi Sanjay/Android devs,
    Where can i get access to the NPCI common library for the Android App ?
    Also,
    We need to send and xmlPayload to this Common library. How do we get that payload ?
    Just came across this hackathon and registered.
    Considering the time left do you suggest a PSP mobile App or a Merchant app?
    Is there some demo PSP mobile app that is being provided ?

    • npci
      7 months ago

      Demo PSP details with CL doc will be shared by Monday EOD

    • theswamy
      AMA Host
      7 months ago

      Clearly the app you build is your choice – a PSP Mobile App sounds exciting. Merchant apps to do basic collection will also be cool – whatever you do, from a hackathon perspective, the innovative use of UPI will be an important criterion, so use your judgement on this one.

  • rama32
    7 months ago

    ReqListAccount giving the response will be the list of accounts with the account details
    <Account accRefNumber=”” maskedAccNumber=”” ifsc=”HDFC0000103″ mmid=”” name=”Rohit Patkar” aeba=”Y”/>
    but in payment it is expecting account number.
    is it fine to send accRefNumber in payment account reference.

    • pramodkvarma
      7 months ago

      Yes

      • theswamy
        AMA Host
        7 months ago

        Pramod – can you clarify the question by Sugumar above on the part payment?

  • jai56
    7 months ago

    What is the criteria to become a PSP if we are not a bank?

    • theswamy
      AMA Host
      7 months ago

      You will need to get a sponsor bank – and the criteria will be defined by the sponsor bank.

      • jai56
        7 months ago

        You gave the example of Paytm as a PSP. Do you mean to say a wallet app needs to work only with a sponsoring bank? Are there any other rules / laws which govern who can be a PSP?

  • kader81
    7 months ago

    We are developing mobile apps. Will demo PSP have API which we can link ? I hope demo PSP will be available soon for us.

    • theswamy
      AMA Host
      7 months ago

      Demo PSP details with CL doc will be shared by Monday EOD

  • hemal.kotecha
    7 months ago

    Currently the ECS transaction volume is nearly 1600 Millions , how UPI can be used to process that . Is it possible that Mandate form would contain a Virtual address for it collect request ?

    • theswamy
      AMA Host
      7 months ago

      Fantastic use case! Do it 🙂 This is exactly why we have the virtual address concept! I hope you are building this as a demo! You can also build in recurring with limits etc. into the Payment Authorization.

      • theswamy
        AMA Host
        7 months ago

        To be more direct, ECS is a completely backward way of doing this – and there should never be such a need in future. I should be able to say “Pay Airtel every month and don’t ask for my approval if bill is less than 2000. At the same time I should have the power to revoke this authorization from my phone instantaneously”.

        • hemal.kotecha
          7 months ago

          Currently UPI API requires authentication on every transaction (TPIN) for collect request. We want to build this case , however there is limitation on API side.

          • npci
            7 months ago

            API provides for this.. you present you your case as a pre-approved transation( where debit to account has already happened against the mandate provided by the customer )

            • hemal.kotecha
              7 months ago

              It may be little technical , we can achieve with ReqPay and Cred type=”PreApproved” ?

              • npci
                7 months ago

                yes.

                • hemal.kotecha
                  7 months ago

                  Can you use this flag for the other payment for cheque ? Cheque can be preapproved and it can be reset to ask for authentication

            • pramodkvarma
              7 months ago

              We will need to build e-mandate within UPI so that PSP can hold the mandate, attach rules like Sanjay mentioned, allow user to create/revoke instantly, all paperless. Then PSP should be able to send the e-mandate in creds block and conduct the transaction. Unless UPI standardizes this, all issuers will have their own way. We can use an “issuer signed e-mandate” but kept with PSP which is sent every time. Mandate should encapsulate the rules (payee, payer, amount range, date range, frequency, etc.).

  • kader81
    Edited
    7 months ago

    In our mobile apps – to initiate payment, we will link PSP. Should Mobile apps keep polling our PSP to get the response on our payment ?

    • theswamy
      AMA Host
      7 months ago

      Its a question for Pramod – not sure of the technical implementation.

    • npci
      7 months ago

      UPI works on Asynchronous API.

      • theswamy
        AMA Host
        7 months ago

        Thanks – I presumed as much but didn’t want to give a wrong answer! So the Request and the Response are linked with a Transaction ID of some sort?

      • kader81
        7 months ago

        UPI will only talk to PSP. I’m asking how mobile app (merchant app) will be notified from PSP ? In production scenario – PSP’s need to make room for this. For this hackathon , how demo PSP will notify our app ?

        • npci
          7 months ago

          We will provide more clarity on this in the PSP demo document.

      • ramchandar.r
        7 months ago

        To be explicit apps need not bother about session management with respect to Transactions carried out by PSP

  • chaitanyaamin
    7 months ago

    Can the UPI Apis be extended by PSP to replicated or synthetically create innovative financial products ?? E.g Currently these API resemble electronics version of cheques. Where money is transferred from Person A to Person B. If enough money is not in account the transaction fails. Can the API by extended to create say a Bankers Cheque (Funds Sequestered for Guaranteed Settlement) or Post Dated cheques (But with Amount blocked in account to effect settlement on later date). Point being adding a layer of intelligence can lead to innovative finance opportunities….

    • theswamy
      AMA Host
      7 months ago

      Absolutely. This is the value added layer that a PSP can provide to differentiate from each other. I’m not sure if your example will work because the idea of blocking money may not be supported – but a variation could. Happy to discuss.

  • hemal.kotecha
    7 months ago

    Hello Sir. If we are developing psp app and not psp server, then how will we connect to the demo server? We will require details like from and to virtual ids, MPIN for transaction etc…By when should we expect the same in order to test our mobile app?

    • theswamy
      AMA Host
      7 months ago

      Re-postng teh UPI/NPCI response here:

      Demo PSP details with CL doc will be shared by Monday EOD

  • jai56
    7 months ago

    If we build an app for payment to small vendors / shops which are proprietary or partnership firms will it be considered p2p or p2m?

    • theswamy
      AMA Host
      7 months ago

      Fundamentally the system is not differentiating between the two. Commercially however the PSP may have their own rules – and in addition we will need to wait for the commercial model to be announced.

      • jai56
        7 months ago

        The reason I asked this is, I heard that the p2p transactions are immediate but p2m are not.

        • theswamy
          AMA Host
          7 months ago

          UPI is a real-time system – there may be business considerations (eg. chargeback/reversals) that may require one to put in some delays in settlement but the system itself doesn’t distinguish from what I know. UPI is really a layer on top of IMPS.

    • npci
      7 months ago

      p2p or p2m will depend on the bank and customer relationship with the vendor has opened the account as merchant and is availing those facilities it will be a p2m transaction

  • ivabz
    7 months ago

    Hey Sanjay/Pramod,

    1. Does UPI supports push payment?
    2. Does UPI supports tokenization? Just in case to give device specific identity to person?

    • theswamy
      AMA Host
      Edited
      7 months ago

      1. Push Payment is supported – fundamentally there are 2 payments possible, Push & Pull.

      2. Tokenization is supported in multiple ways. First of all Mobile# and Aadhaar# are account identifiers. Secondly you have the concept of a Virtual address – this can be considered a static token for the account identifier.

      3. Another important concept is the “Payment Token”. So I could pre-authorize a payment to a taxi for an amount less than “X”. Or a monthly recurring payment for less than Y to my biller.

      Net net there are some VERY advanced concepts that go beyond Tokenization in the traditional payments sense and are worth exploring. I’m hoping to see some awesome examples through this hackathon!

      • ivabz
        7 months ago

        Makes sense.

  • jai56
    7 months ago

    If we develop a mobile App, is it mandatory to provide the device info and location info during a Payment request?

    • ivabz
      7 months ago

      Agree. This may request unwanted permission from user.

      • theswamy
        AMA Host
        7 months ago

        No – I don’t believe it is mandatory at all. There may be some risk elements that might reduce if you get this information but that’s the call of the app/PSP. The use of UPI doesn’t require device info and location. In fact you can even use USSD (*99#) to effect a transaction.

  • theswamy
    AMA Host
    7 months ago

    Coming up on 5pm soon – thanks for participating. Will take some last questions if any. Thanks NPCI UPI and Pramod for also chipping in on some of the more technical questions. This is turning out to be an amazingly interesting space – can’t wait to see the apps being developed. All the best hackathon participants!

    • npci
      7 months ago

      Thanks Mr. Sanjay for your participation

  • chaitanyaamin
    7 months ago

    Will these UPI API support full automated payments using digital signature (Maybe class 2 or class3 signatures)

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