UPI integration without third party interfaces

Enable direct UPI payment collection via dynamic QR codes without third-party gateways

Core Technical Architecture

1. Dynamic QR Generation
   Construct UPI links programmatically using this format:
   upi://pay?pa=<MERCHANT_UPI_ID>&pn=<MERCHANT_NAME>&am=<AMOUNT>&tn=<ORDER_ID>&tr=<UNIQUE_REFERENCE>
   • pa: Merchant's UPI ID (e.g., business@bank)
   • pn: URL-encoded payee name
   • am: Transaction amount (format: 10.00)
   • tn: Transaction note containing order ID
   • tr: Unique reference ID for payment matching
2. QR Code Rendering
   Use libraries like qrcode (Python) or qr-code-styling (JS) to convert UPI links into scannable QR images. Example Python implementation:pythonimport qrcode
   def generate_upi_qr(amount, order_id, upi_id, payee_name):
reference = f"REF_{order_id}_{int(time.time())}"
upi_link = f"upi://pay?pa={upi_id}&pn={payee_name}&am={amount:.2f}&tn=Order_{order_id}&tr={reference}"
qr = qrcode.QRCode(version=1, box_size=10, border=4)
qr.add_data(upi_link)
return qr.make_image(fill_color="black", back_color="white")
   

Payment Reconciliation System

1. Payment Verification
   • Automated: Integrate with your bank's webhook API to receive real-time payment notifications containing reference IDs48.
   • Manual Fallback: Daily bank statement parsing to match reference IDs against orders9.

Reference ID Mapping
Maintain a database table linking:

Security Implementation

• Link Validation: Sanitize all input parameters to prevent XSS and SQL injection.
• QR Expiry: Set expiryDate parameter (e.g., 10 minutes) to avoid stale payments4.
• HTTPS Enforcement: Serve QR codes exclusively over HTTPS endpoints.

Frontend Integration

xml<!-- Checkout Page Snippet -->
<div id="payment-container">
<img id="upi-qr" src="/generate-qr?order_id=ORD123&amount=1500" alt="Scan to Pay">
<p>Scan via any UPI app</p>
</div>

Behavior:

1. On checkout completion, call backend endpoint /generate-qr with order_id and amount
2. Render dynamically generated QR image
3. Poll server for payment status using the reference ID

Advantages Over Third-Party Gateways

• Zero Transaction Fees: Bypass gateway commissions69
• Reduced Failure Rates: Direct UPI path avoids intermediary failures7
• Brand Control: Customizable QR styling with merchant branding35

Testing and Validation

1. Test Cases:
   • Generate QR with amount ₹1,500 and verify UPI link parameters
   • Scan QR with PhonePe/Google Pay and confirm prefilled details
   • Simulate payment webhook and verify order status update
2. Monitoring Tools:
   • Track QR generation success rate
   • Alert on payment verification delays >5 minutes

Compliance Requirements

• PCI-DSS: Avoid storing sensitive data; UPI IDs aren't classified as financial credentials16
• Data Localization: Ensure payment logs reside in India6

This solution eliminates third-party dependencies while providing real-time payment matching. For production deployment, coordinate with your acquiring bank for UPI merchant registration and webhook integration49.

Add to follow-upCheck sources

1. https://www.labnol.org/upi
2. https://dayschedule.com/tools/upi-qr-generator
3. https://apps.typof.com/qr-pay-online
4. https://docs.setu.co/payments/umap/payments/flash/create-dqr
5. https://github.com/devagn611/upi_qr_code
6. https://decentro.tech/blog/upi-payment-gateway-integration/
7. https://www.outlookmoney.com/news/upi-plug-in-bypassing-third-party-apps-for-direct-p2m-payments-news-309116
8. https://developers.facebook.com/docs/whatsapp/on-premises/payments-api/upi/
9. https://unpay.in/upi-e-collect-payment
10. https://www.cashfree.com/blog/upi-integration/
11. https://askdaman.com/upi-qr-code-generator/
12. https://www.reddit.com/r/developersIndia/comments/1gzexix/upi_payments_integration_in_appwebsite_without/
13. https://www.linkedin.com/pulse/how-integrate-upi-payment-gateway-website-zwiec
14. https://esolz.net/add-upi-payments-into-your-e-commerce-website/
15. https://qrcodedynamic.com
16. https://www.cashfree.com/upi-qr-code/
17. https://www.qrcodechimp.com/qr-code-generator-for-upi
18. https://www.qrstuff.com
19. https://stackoverflow.com/questions/63246790/callback-url-on-upi-payment-in-android-using-upi
20. https://infosecwriteups.com/lets-break-into-payment-gateways-fc52523eeaca