UPI QR Code product can be integrated into mobile Apps to support a low-cost, convenient and secure innovative payment method, where consumers can either display a payment QR Code for merchants to scan (Consumer-Presented) or scan merchant's static/dynamic QR Code (Merchant-Presented) to enter payment amount.
This set of APIs provide all the necessary functions, allowing mobile App providers to connect to UPI system and support UPI QR Code payment in both Merchant-Presented and Consumer-Presented mode.
Cost-effective
UPI QR Code is a low-cost payment solution that can work on any smart phone with screen and camera, and on any mobile OS platform, including Android and iOS, with no reliance on mobile phone manufacturers for cardholders.
Security
Security is a basic requirement for payments. UPI adopts various anti-risk measures to ensure whole transaction’s safety, including CDCVM evolved from PIN or signature for user's authentication & verification, together with tokenization technology to avoid exposure risk of card or account info.
Interoperability
UPI QR Code is compatible with EMVCo standard, making it standardized and globally interoperable.
Integrity
UPI QR Code payment sticks to four-party mode which is consistent with bank card transaction except for information interaction. UPI QR Code payment has a whole integrated business mechanism, risk control and techniques to assure cardholders' capital safety.
When mobile App providers want to integrate UPI QR Code Payments function and connect to UPI system to provide QR Code payment service to their users.
Mobile App providers outside of mainland China (Could be issuers, merchants, third-party payments companies and software developers)
This API is available globally except for mainland China
1. APIs in QR Code App Gateway include message flows and message requirements for mobile App gateway to support UPI QR Code payments, such as PAN enrollment, Account Verification, Token service, Lifecycle management of cards, etc. Please find 16 APIs in ‘APIs Included’ column.
2. Mobile App shall support both Merchant-Presented and Consumer-Presented QR Code payments mode to work in different scenarios;
3. Mobile App that integrate UPI QR Code payment shall support both EMV mode (mainly used outside of mainland China) and URL mode (mainly used in mainland China)
4. Before using QR code payment service, mobile App shall guide users to link intra-bank/inter-bank UnionPay card in that App. Users provide card no. and pass cardholder identification and OTP verification to complete card registration.
5. Customer-Presented QR Code: When consumer clicks “QR Code Pay” in the App main page, App will request both EMV QR code and URL mode barcode from UnionPay system and display them separately for merchant to scan. When App fails to detect consumer’s location, it shall allow users to manually switch the QR Code by clicking “Global QR Code” or “QR Code in China” at the bottom of the page.
6.Merchant-Presented QR Code: Merchant-Presented QR Code payment allows consumers to scan merchants’ QR code, then initiate payment in the mobile App. After completing transaction, both merchant and consumer will receive notification.
7.For encoding specification of consumer-presented and merchant-presented code, please refer to 'Documentation' column.
8.It is recommended to use JAVA to test QR App Gateway interfaces
