HDFC Bank (UPI)

Merchant Integration KIT (Web API)

Prepared by

Mindgate Solutions Pvt. Ltd

Version: 1.4

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Table of Contents
1 Introduction ........................................................................................................................................................ 3
1.1 Purpose.................................................................................................................................................... 3

1.2 Pre-requisites & Assumptions ................................................................................................................. 3

2 Process Flow ....................................................................................................................................................... 4

3 API List .................................................................................................................................................................. 5
4 API Integration ................................................................................................................................................... 6
4.1 Check VPA ................................................................................................................................................ 6

4.2 Collect Transaction Request API .............................................................................................................. 8

4.3 Transaction Status Enquiry API .............................................................................................................. 12

4.4 Final Response URL ............................................................................................................................... 15

4.5 Refund Request API ............................................................................................................................... 17

5 Response Code list ..........................................................................................................................................20

6 Sample Encryption and Decryption Code .................................................................................................20
7 Test URL ..............................................................................................................................................................21
8 Sample APK for Merchant App & HDFC BANK UPI UAT APP ...............................................................22
9 Merchant Collect Transaction Flow: ..........................................................................................................22
10 UPI me Toolkit-1.0 ...........................................................................................................................................22
11 Production URL & IP .............................................................................................................................. 23

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1 Introduction

1.1 Purpose
The purpose of this document is to detail out the technical integration approach for web
based integration between UPI platform and merchants. This document describes the
process flow and Client API functionalities which provide quick integration for merchants.
This document is complimented with the toolkit for merchant integration in the UPI platform.

Note: This Merchant Integration document is intended for Merchants that are available only on
the web (Website) for the customers to make payments to the merchant and wants to collect
near real time.

1.2 Pre-requisites & Assumptions

The merchant should have the following pre-requites in place before integrating with UPI.

1. Merchant has to be on boarded and get UPI Merchant ID

2. Merchant Encryption Key which is sent to merchant on successful onboarding process.

3. Customer: Existing UPI customer with a virtual address with any of the PSP.

Customer approves the transaction through the mobile app provided by the PSP.

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2 Process Flow

a Objective:

Process flow of a transaction through a Web based merchant in UPI is explained in detail.

b Process Flow Diagram:

c Functional Description:

1. Customer goes to the merchant website and while checking out after a purchase
selects "Pay by UPI" as the mode payment thereby inputting his/her Virtual
address (for eg : customername@bankname).

2. A collect request is initiated by the merchant and is sent to the Bank UPI server from
the Merchant web server, along with a defined expiry time for the request.

3. Bank UPI Server passes the request to NPCI, and NPCI passes the request to the
remitter bank.

4. Once the remitter bank validates the Virtual address and his/her account
details the request is pushed to the customers PSP App as a notification in the
Inbox.

5. The customer gets an option to accept or reject the request from the PSP APP
and the respective response is passed on to the remitter bank.

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 6. If the customer does not approve/reject within the defined TAT (Turn Around
Time) the request expires automatically.

7. Post customer approves / rejects the transaction or expiry of transaction, the

respective response will be sent to NPCI from remitter bank.
8. NPCI passes the response of the updated status of the transaction to the
bank UPI server, after which the bank UPI server pushes the transaction
status to the merchant server.

9. Merchant display the respective transaction status to customer (for eg:

Approved, Rejected, Expired, Pending).

3 API List
UPI platform provides the following API to the merchant

Sr No API Name Description

1 Merchant can the VPA correctness.

Check VPA

2 Collect Transaction Request Merchant can collect payment from its

customers via
Customers canmerchant website.
check their transactions status

3 Transaction Status Enquiry for the transactions made on the merchant

FINAL Response URL API helps merchant to
website.
4
FINAL Response URL receive the transaction status from the
bank UPI server.
Merchant can initiate customer refund via
4
5 Refund Request API API.

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 4 API Integration

4.1 Check VPA

Check VPA API helps merchant to check if the provided VPA is valid or invalid.

Merchant calls the URL i.e.

UAT:- https://upitest.hdfcbank.com/upi/checkMeVirtualAddress
Production:- https://upi.hdfcbank.com/upi/checkMeVirtualAddress

Request Parameters

Sr. Fields Description Data Type Length Mandatory /

No.
1 PG Merchant Id Merchant ID Character 16 Optional
Mandatory
2 Merchant Ref No Unique order Character 30 Mandatory
reference sent by
merchant
3 Payer Virtual Address Payer Virtual Address Character 255 Mandatory
4 Status Transaction Status (T) Character 2 Mandatory
5 Additional Field 1 For future use Character 100 Optional
6 Additional Field 2 For future use Character 100 Optional
7 Additional Field 3 For future use Character 100 Optional
8 Additional Field 4 For future use Character 100 Optional
9 Additional Field 5 For future use Character 100 Optional
10 Additional Field 6 For future use Character 100 Optional
11 Additional Field 7 For future use Character 100 Optional
12 Additional Field 8 For future use Character 100 Optional
13 Additional Field 9 For future use Character 100 NA
14 Additional Field 10 For future use Character 100 NA

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 Check VPA Request:

PGMerchantId|Merchant Ref No|VPA|Status|1|2|3|4|5|6|7|8|NA|NA = 14 Nos

UPI000000000086|20160728111155|kuldip30@hdbcbank|T|||||||||NA|NA

Response Parameters

Sr. Fields Description Data Type Lengt Mandatory

h

1
No. Merchant Ref No Unique order Character 30 /Mandatory
Optional
reference sent by
merchant
2 Payer Virtual Address Payer Virtual Address Character 255 Mandatory
3 Payer Name Payer Account Name Character 50 Mandatory
4 Status Status Character 20 Mandatory
(VE=Available,
VN=Not Available,
F=Failed)

5 Status Status Character 20 Mandatory

(VE=Available,
VN=Not Available,
F=Failed)
6 Additional Field 1 For future use Character 100 Optional

7 Additional Field 2 For future use Character 100 Optional

8 Additional Field 3 For future use Character 100 Optional

9 Additional Field 4 For future use Character 100 Optional

10 Additional Field 5 For future use Character 100 Optional

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11 Additional Field 6 For future use Character 100 Optional
12 Additional Field 7 For future use Character 100 Optional
13 Additional Field 8 For future use Character 100 Optional
14 Additional Field 9 For future use Character 100 Optional
15 Additional Field 10 For future use Character 100 Optional

Check VPA Response:

Merchant Ref No|VPA|Payer Name|Status|Status|1|2|3|4|5|6|7|8|NA|NA = 15 Nos

20160728111155|kuldip30@hdbcbank|Kuldip D|VE|VE|||||||||NA|NA

4.2 Collect Transaction Request API

Collect Transaction Request API helps merchant to integrate with UPI platform for
initiating collect payment request to their customers.

Merchant calls the URL i.e. UAT:- https://upitest.hdfcbank.com/upi/meTransCollectSvc

Production :- https://upi.hdfcbank.com/upi/meTransCollectSvc

Request Parameter

Sr. Fields Description Data Type Length Mandatory

No. / Optional
1 PG Merchant Id Merchant ID Character 16 Mandatory

2 Order No. Unique Transaction Character 30 Mandatory

reference sent by
merchant
3 Payer Virtual Address Payer Virtual Character 255 Mandatory

Address

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 4 Amount Transaction Number 16,2 Mandatory

Amount in rupees
5 Remarks Order summary Character 1-50 Mandatory
6 Expiry value Expiry value in Number 10 Mandatory
minutes
7 MCC Code Merchant Category Number 04 Mandatory

Code
8 Additional Field 1 For future use Character 100 Optional
9 Additional Field 2 For future use Character 100 Optional
10 Additional Field 3 For future use Character 100 Optional
11 Additional Field 4 For future use Character 100 Optional
12 Additional Field 5 For future use Character 100 Optional
13 Additional Field 6 Merchant Request Character 100 Optional
Type : MEBR (On
sending MEBR in
this field there will
be validation of
account number
which will be sent in
additional field 7. If
blank is sent then
there will be no
validation of
account number)

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 14 Additional Field 7 Payer Account Character 100 Optional
Number1! Payer
Account Number2!
Payer Account
Number3! Payer
Account Number4

(Customer Account
number available at
merchant end will
be sent in this field.
It is separated by
“!”. Maximum 4
account number can
only be sent)
15 Additional Field 8 For future use Character 100 Optional
16 Additional Field 9 For future use Character 100 NA
17 Additional Field 10 For future use Character 100 NA

Sample Collect Request:

PGMerchantId|OrderNo|PayerVA|Amount|Remarks|expValue|
MCC Code|1|2|3|4|5|6|7|8|NA|NA = 17 Nos.

UPI000000000001|12345|pankaj@bank|510|TEST|10|6012|||||||||NA|NA

Response Parameters (Collect Initiation):

Sr. Fields Description Data Type Length Mandatory

No.
1 Order No. Unique order Character 30 / Optional
Mandatory
reference sent by
merchant
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2 UPI Transaction Unique UPI Transaction Number 18 Mandatory
Reference ID Reference

3 Amount Transaction Amount Number 16,2 Mandatory

Number
4 Status Transaction status Character 15 Mandatory

(SUCCESS, FAILED)

5 Status Description Transaction status Character 100 Mandatory

6 Payer VA Payer Virtual address Character 255 Mandatory
description
7 Payee VA Payee Virtual Address Character 255 Mandatory
8 Additional Field 1 For future use Character 100 Optional
9 Additional Field 2 For future use Character 100 Optional
10 Additional Field 3 For future use Character 100 Optional
11 Additional Field 4 For future use Character 100 Optional
12 Additional Field 5 For future use Character 100 Optional
13 Additional Field 6 For future use Character 100 Optional
14 Additional Field 7 For future use Character 100 Optional

Sample Collect Response:

OrderNo|UPI Txn Id|amount|status|status desc|payer VA|payee

VA|1|2|3|4|5|6|7|8|NA|NA = 17 Nos

12345|86137503313|100.00| SUCCESS |Transaction collect request initiated successfully

|pankaj@bank|merchant@bank|||||||||NA|NA

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 4.3 Transaction Status Enquiry API

Transaction Status Enquiry API helps merchant to fetch the transaction status from UPI
engine by passing transaction reference no.

Merchant calls the URL i.e.

UAT :-https://upitest.hdfcbank.com/upi/transactionStatusQuery
Production :- https://upi.hdfcbank.com/upi/transactionStatusQuery

Request Parameters

Sr. Fields Description Data Type Length Mandatory /

1
No. PG Merchant Id Merchant ID Character 16 Mandatory
Optional
2 Order No Unique order Character 30 Mandatory

reference sent by
merchant

3 UPI Transaction Unique UPI Number 18 Optional

Reference ID Transaction ID
4 Reference ID Reference Id Character 35 Optional
5 Additional Field 1 For future use Character 100 Optional
6 Additional Field 2 For future use Character 100 Optional
7 Additional Field 3 For future use Character 100 Optional
8 Additional Field 4 For future use Character 100 Optional
9 Additional Field 5 For future use Character 100 Optional
10 Additional Field 6 For future use Character 100 Optional
11 Additional Field 7 For future use Character 100 Optional
12 Additional Field 8 For future use Character 100 Optional
13 Additional Field 9 For future use Character 100 NA
14 Additional Field 10 For future use Character 100 NA

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 Transaction Status Request:

PGMerchantId|OrderNo|UPI Txn ID|Reference Id|1|2|3|4|5|6|7|8|NA|NA = 14 Nos

UPI000000000086|20160728111155|65437829217889||||||||||NA|NA

Response Parameters

Sr. Fields Description Data Type Length Mandatory

1
No. UPI Transaction Unique UPI Number 18 Mandatory
/ Optional

Reference ID Transaction ID

2 Order No. Unique order Character 30 Mandatory

reference sent by
merchant
3 Amount Transaction Amount Number 16,2 Mandatory
4 Transaction Auth Date Transaction date time Character 20 Mandatory
with timestamp
(YYYY:MM:DD
5 Status Transaction status Character 15 Mandatory

(SUCCESS, FAILED,
PENDING, EXPIRED,
REJECTED & SPAM)
6 Status Description Transaction status Character 100 Mandatory
description
7 Response Code Transaction response Character 5 Mandatory
code
8 Approval Number Transaction approval Character 30 Optional
number (Core bank
ref number)

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9 Payer Virtual Address Virtual Address of the Character 255 Optional
buyer

10 Customer Reference no NPCI’s UPI ID Character 12 Mandatory

11 Reference ID (Temp Ref Reference ID as per Character 35 Optional

NPCI’s requirement

12 ID)
Additional Field 1 For future use Character 100 Optional

13 Additional Field 2 For future use Character 100 Optional

14 Additional Field 3 For future use Character 100 Optional
15 Additional Field 4 For future use Character 100 Optional
16 Additional Field 5 For future use Character 100 Optional
17 Additional Field 6 Payer Bank Name ! Character 100 Optional
Payer Account
Number ! Payer Bank
IFSC |Payer mobile
number

18 Additional Field 7 Pay Type ! Ref Url ! Character 100 Optional

NA
19 Additional Field 8 Payee VPA! Dynamic Character 100 Optional
Payee Value!NA

20 Additional Field 9 For future use Character 100 NA

21 Additional Field 10 For future use Character 100 NA

Transaction Status Response:

UPI Txn ID|OrderNo|Amount|Txn Auth Date|status|status desc|Resp Code|2|3|Cust Ref No.|1

|2|3|4|5|6|7|8|9|NA|NA = 21 Nos

76786876876|20160728111155|100.00|2016:07:28

09:32:54|SUCCESS|Transaction Success|00|||UPI38A1AF0B2B2B601CE05500000000000
||||||||||NA|NA

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 4.4 Final Response URL

Call back URL API helps merchant to receive the transaction status from the bank UPI server.

Example for the URL

https://www.merchant.com/upi/callBackRes?meRes=1AD4F41171F0EA0C24A91CA5FA5807CD
8704BAF9BA2DBBBF681F221240E92CF1A2DA364516E964C2221C54AF2E703BF06131916DB00CA032FD7
4B15F902995F07EF7B1FDDD6DADBEA205846926D7DAFBB6996821DAAF01122932F255CC70DB4B8FEB
FCD188F7316B7997A4B3695BB45C041228D458BFE7AF6014168A93278BB3

Request Method: POST

Request Headers: No request headers
Request Content Type: Text/html
Query Parameters if any: meRes,pgMerchantId
Expected response code: 200

Response Parameters

Sr. Fields Description Data Type Length Mandatory

1
No. UPI Txn ID Unique UPI Number 18 Mandatory
/ Optional
Transaction ID

2 Merchant Trnx Unique order Character 30 Mandatory

Reference reference sent by
merchant
3 Amount Transaction Amount Number 16,2 Mandatory

4 Transaction Auth Date Transaction date time Character 20 Mandatory

with timestamp
(YYYY:MM:DD
HH:MM:SS)
5 Status Transaction status Character 15 Mandatory
(SUCCESS, FAILED,
PENDING, EXPIRED,
REJECTED & SPAM)

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6 Status Description Transaction status Character 100 Mandatory
description
7 Response Code Transaction response Character 5 Mandatory
code
8 Approval Number Transaction approval Character 30 Optional
number (Core bank
ref number)
9 Payer Virtual Address Virtual Address of the Character 255 Optional
buyer
10 Customer Reference No NPCI’s UPI ID Character 12 Mandatory

11 Reference ID (Temp Ref Reference ID as per Character 35 Optional

ID) NPCI’s requirement

12 Additional Field 1 For future use Character 100 Optional

13 Additional Field 2 For future use Character 100 Optional

14 Additional Field 3 For future use Character 100 Optional

15 Additional Field 4 For future use Character 100 Optional

16 Additional Field 5 For future use Character 100 Optional

17 Additional Field 6 Payer Bank Name ! Character 100 Optional

Payer Account
Number ! Payer Bank
IFSC |Payer mobile
number
18 Additional Field 7 Pay Type ! Ref Url ! Character 100 Optional
NA
19 Additional Field 8 Payee VPA! Dynamic Character 100 Optional
Payee Value!NA
20 Additional Field 9 For future use Character 100 NA

21 Additional Field 10 For future use Character 100 NA

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 4.5 Refund Request API
Refund Request API helps merchant to integrate with UPI platform for initiating
collect payment request to their customers.

Merchant calls the URL i.e. UAT:- https://upitest.hdfcbank.com/upi/refundReqSvc

Production:- https://upi.hdfcbank.com/upi/refundReqSvc

Request Parameter (Refund Initiation)

Sr. Fields Description Data Type Length Mandatory /

No. Optional

1 PG Merchant Id Merchant ID Character 16 Mandatory

2 New Order No. Unique Order Character 30 Mandatory

reference sent by
merchant
3 Original Order No Order no for which Character 30 Mandatory
refund to be initiated

4 Original TRN Ref No UPI Txn Ref No Number 18 Mandatory

associated to the
Transaction
5 Original Cust Ref No RRN no associated Number 12 Mandatory
with the transaction
6 Remarks Refund summary Character 1-50 Mandatory
description

7 Refund Amount Amount to be Number 16,2 Mandatory

Refunded in rupees
8 Currency INR Character 5 Mandatory
9 Transaction Type P2P or P2M Character 3 Mandatory
10 Payment Type Pay or Collect Character 10 Mandatory
11 Additional Field 1 For future use Character 100 Optional
12 Additional Field 2 For future use Character 100 Optional
13 Additional Field 3 For future use Character 100 Optional
14 Additional Field 4 For future use Character 100 Optional

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 15 Additional Field 5 For future use Character 100 Optional
16 Additional Field 6 For future use Character 100 Optional
17 Additional Field 7 For future use Character 100 Optional
18 Additional Field 8 For future use Character 100 Optional
19 Additional Field 9 For future use Character 100 NA
20 Additional Field 10 For future use Character 100 NA

Sample Refund Request:

PGMerchantId|NewOrderNo|Original Order No|Original Trn Ref No| Original Cust

Ref No |Remarks|Refund AMT|Currency|Transaction Type|Payment
Type|add1|add2|add3|add4|add5|add6|add7|add8|add9|add10

UPI000000000021|123480001|1000104869|18211|632914904780|Order
Refund|10.00|INR|P2P|PAY|||||||||NA|NA

Response Parameters (Refund Initiation):

Sr. Fields Description Data Type Length Mandatory

1
No. UPI Txn ID Unique UPI Number 18 Mandatory
/ Optional
Transaction ID

2 Merchant Trnx Unique order Character 30 Mandatory

Reference reference sent by
merchant
3 Amount Transaction Amount Number 16,2 Mandatory

4 Transaction Auth Date Transaction date time Character 20 Mandatory

with timestamp
(YYYY:MM:DD
HH:MM:SS)
5 Status Transaction status Character 15 Mandatory
(S=Success, F=Failure)

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6 Status Description Transaction status Character 100 Mandatory

7 Response Code Transaction Character 5 Mandatory

description
response code
8 Approval Number Transaction approval Character 30 Optional
number (Core bank
ref number)
9 Payer Virtual Address Virtual Address of the Character 255 Optional
buyer
10 Customer Reference No NPCI’s UPI ID Character 12 Mandatory

11 Reference ID (Temp Ref Reference ID as per Character 35 Optional

NPCI’s requirement
12 Additional Field 1 For future use Character 100 Optional
ID)
13 Additional Field 2 For future use Character 100 Optional
14 Additional Field 3 For future use Character 100 Optional
15 Additional Field 4 For future use Character 100 Optional
16 Additional Field 5 For future use Character 100 Optional

17 Additional Field 6 For future use Character 100 Optional

18 Additional Field 7 For future use Character 100 Optional
19 Additional Field 8 For future use Character 100 Optional
20 Additional Field 9 For future use Character 100 NA

21 Additional Field 10 For future use Character 100 NA

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 Sample Refund Response:

UPI Txn Id|MertxnRef|amount|TxnAuthdate|status|status

desc|ResCode|AppNo|PayerVA|CustRefNo|RefID|add1|add2|add3|add4|add5|add6
|a dd7|add8|add9|add10

25519|123480001|10.00|2016:12:12 05:38:21|S|Transaction
Success|00|NA|rajesh@hdfcbank|634717906803|NA|NA|NA|NA|NA|NA|NA|NA|N
A| NA|NA

5 Response Code list

Download the list of error codes sent by UPI switch / NPCI for transactions:
https://upitest.hdfcbank.com/UploadAndDownload/download.jsp?fileName=Error-Codes-List.xls

6 Sample Encryption and Decryption Code

This merchant key will be shared by the bank and the merchant has to use the key
to encrypt/decrypt the message.

Steps to generate request message:

1. Merchant builds the request message (in pipe separated) and encrypts it
with merchant key.

2. Merchant passes the encrypted message in request message parameter in

below Json format (requestMsg) and PG merchant ID.

Json format:
{"requestMsg":"1AD4F41171F0EA0C24A91CA5FA5807CD8704BAF9BA2DBBBF681F2
21240E92CF1A2DA364516E964C2221C54AF2E703BF06131916DB00CA032FD74B15
902995F07EF7B1FDDD6DADBEA205846926D7DAFBB6996821DAAF01122932F25
5C
C70DB4B8FEBFCD188F7316B7997A4B3695BB45C041228D458BFE7AF6014168A9
32

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 78BB3","pgMerchantId":"UPI000000000001"}
3. Merchant calls the URL i.e. https://upitest.hdfcbank.com/upi/meTransCollectSvc

[URL to be changed as per UAT Server]

4. Merchant gets the response in encrypted format

UPISecurity security = new UPISecurity();

String encMsg =
security.encrypt("UPI0000000000001|1476439805968867|kuldip11@hdfcbank|100
|Test
Transaction|10|0000|||||||||null|null","easd343dsdsdsdsde3243dfffdeerfff");

String resMsg
=security.decrypt("1AD4F41171F0EA0C24A91CA5FA5807CD8704BAF9BA2DBBBF681
F221240E92CF1A2DA364516E964C2221C54AF2E703BF06131916DB00CA032FD74B
15F902995F07EF7B1FDDD6DADBEA205846926D7DAFBB6996821DAAF01122932F2
55CC70DB4B8FEBFCD188F7316B7997A4B3695BB45C041228D458BFE7AF6014168A
93278BB3", "easd343dsdsdsdsde3243dfffdeerfff");

7 Test URL

The below URL can be used by a merchant to test the connectivity.

https://upitest.hdfcbank.com

Connectivity can be checked by following ways:

1) Telnet – Should able to connect to Telnet.

2) OPENSSL – Install free SSL and by inputting the above URL the connection status
should be “Connected”.

3) Browsers – From browser the HDFC Sorry page should be displayed.

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8 Sample APK for Merchant App & HDFC BANK UPI UAT APP

Download the sample Merchant APP from following link:

https://upitest.hdfcbank.com/UploadAndDownload/download.jsp?fileName=HDFCMerchantV1.5.zip

Download the HDFC Bank UAT PSP APP following link:

https://upitest.hdfcbank.com/UploadAndDownload/download.jsp?fileName=HDFC_PSP_UAT_1.5.zip

Note:- Please Download HDFC Bank PSP Production APP from Playstore.

9 Merchant Collect Transaction Flow:

https://upitest.hdfcbank.com/UploadAndDownload/download.jsp?fileName=HDFC_WebDemo.zip

10 UPI me Toolkit-1.0

Below is the inserted Jar file link for the merchant integration:
JAVA

https://upitest.hdfcbank.com/UploadAndDownload/download.jsp?fileName=upimetoolkit-1.0 .jar

Dot Net

https://upitest.hdfcbank.com/UploadAndDownload/download.jsp?fileName=Enc_Dnc_DLL.zip

PHP

https://upitest.hdfcbank.com/UploadAndDownload/download.jsp?fileName=UPI_Merchant_Tool_K
it_PHP.zip

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11 Production URL & IP

Production URL:- https://upi.hdfcbank.com

Check VPA :- https://upi.hdfcbank.com/upi/checkMeVirtualAddress
Collect Transaction Request API:- https://upi.hdfcbank.com/upi/meTransCollectSvc
Transaction Status Enquiry API:- https://upi.hdfcbank.com/upi/transactionStatusQuery
Refund Request API:- https://upi.hdfcbank.com/upi/refundReqSvc

Public IP for https://upi.hdfcbank.com is 175.100.163.28.

This IP address can be provided to merchants if they want to white list IP address for UPI on
their servers.

175.100.160.57
175.100.160.58
175.100.160.62
175.100.160.70
175.100.161.32
175.100.161.31
175.100.162.154
175.100.162.155
175.100.162.162
175.100.162.200

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