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UPI Mandate Presentation APIs

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UPI Debit Execution

UPI Debit Execution

UPI Debit Execution Flow

  1. Debit Request to Digio: Merchant Application sends a debit request to Digio application.
  2. Pre-Debit Notifications: For all successful pre-debit Notifications, debit requests are sent by Digio to the Acquiring Bank.
  3. Collect Request to UPI Application: Payee PSP/Acquiring Bank initiates the collect request to UPI Application/NPCI.
  4. Request Authentication Details: UPI Application/NPCI sends the ReqAuthDetail request to Payer PSP.
  5. Validation of Collect Request: Payer PSP validates the collect request against the mandate data table and successful PDN, and responds with RespAuthDetails API.
  6. Debit Request to Remitter Bank: UPI Application/NPCI sends the ReqPay debit request to Remitter Bank.
  7. Confirmation from Remitter Bank: Remitter Bank validates & sends the confirmation to UPI Application/NPCI in RespPay.
  8. Credit Request to Acquiring Bank: UPI Application/NPCI sends the credit request to Acquiring Bank.
  9. ACK from Acquiring Bank: Acquiring Bank sends ACK to UPI Application/NPCI.
  10. Confirmation to Payer PSP: UPI Application/NPCI sends the successful confirmation to the Payer PSP.
  11. Confirmation to Payee PSP/Acquiring Bank: UPI Application/NPCI sends the successful confirmation to the Payee PSP/Acquiring Bank.
  12. Confirmation to Digio: Acquirer Bank sends confirmation for successful debit to Digio.
  13. Confirmation to Merchant: Digio provides confirmation to the Merchant via webhook.

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