Welcome to the documentation for the SPARK UPI Merchant Plug-in, a one-stop solution for integrating UPI payments directly into your mobile application. A UPI Merchant Plugin solution: A plug-and-play solution that enables merchants to seamlessly integrate UPI payments within their Android or iOS App. It converts 4 steps payment journey into 2 steps

What is SPARK UPI?

SPARK UPI is a powerful merchant plug-in that embeds the entire UPI payment experience seamlessly within your app. By eliminating redirects to third-party apps, it creates a single, unbroken payment flow, which provides a superior user experience and gives you full control and visibility over the payment journey. This solution is built on a robust architecture designed for high success rates, enhanced security, and rapid integration.

Key Features

Our SPARK UPI plug-in comes with a set of powerful features to optimize your payment process:

Reduced Checkout Journey: The plug-in converts a typical 4-step checkout process into a streamlined 2-step journey, minimizing friction and improving conversions.
In-App Payment Flow: Keep your customers within your app from start to finish. There are no redirects to third-party UPI apps, ensuring a smooth and unbroken journey.
Customizable UPI Payment Option: The UPI payment option can be customized at the checkout page to match your app's look and feel, providing a consistent user experience.
One-Click Payments: For customers who have previously authenticated with BHIM UPI, our solution enables a secure one-click payment flow, significantly reducing transaction time and increasing conversions.
Enhanced Success Rates: By removing multiple hops in the payment journey, we minimize points of failure, leading to consistently higher transaction success rates.
Real-time Visibility: With the payment flow contained within your app, you get real-time visibility into every stage of the transaction. This allows you to track customer drop-offs and gain valuable insights.
Multiple UPI Features (in-app): The plug-in supports a wide range of UPI features, including VPA payments, one-click payments, and secure authentication, all from within your app.
Robust Security: The solution is built with security in mind, using encryption and checksum validation to protect every transaction and ensure data integrity.
Simplified Integration: Our pre-built SDKs and well-documented APIs are designed to make the integration process quick and straightforward, reducing your time-to-market.

How it Works

The SPARK UPI plug-in enables a direct, secure communication channel between your merchant app, the customer's BHIM UPI app (if installed), and our payment gateway. The process is designed to be seamless for both new and existing users.

User Journey for Existing BHIM Customers

Checkout & Initiate Payment: The customer reaches your checkout page and selects UPI as the payment method.
SDK Invocation: Your app's backend calls our Initiate Payment API, and your app's frontend invokes our SDK.
One-Click Authorization: The SPARK UPI plug-in securely communicates with the customer's BHIM app on their device. If the customer has already enabled one-click payments, they are prompted for a single-click authorization within your app's payment screen.
Transaction Confirmation: Upon successful authorization, the transaction is completed, and the payment status is immediately returned to your app via a secure server-to-server webhook.

User Journey for New BHIM Customers

Checkout & Payment Selection: The customer selects UPI as the payment method.
Onboarding & VPA Creation: If the customer does not have a BHIM account or has not yet configured one-click payments, the SPARK UPI plug-in guides them through a quick onboarding process to create a VPA and link their bank account, all within your app.
One-Click Setup: As part of the onboarding, the customer is prompted to enable one-click payments for future transactions with your merchant.
Complete Payment: The customer authorizes the payment using their UPI PIN, and the transaction is completed. The payment status is returned to your system via a secure server-to-server webhook.

Integration Guide

To integrate the SPARK UPI plug-in, follow these simple steps:

Prerequisites: Ensure you have a valid merchant account with Jio Payment Solutions Ltd. and have received your unique API keys and secret.
SDK Integration: Include the SPARK UPI SDK in your mobile application.
Android: Add the SDK dependency to your build.gradle file.
iOS: Add the SDK via Cocoapods or Swift Package Manager.
API Call: From your backend server, make a secure API call to our Initiate Payment endpoint with the required parameters (amount, order ID, customer details, etc.).
Handle Responses: Our API will provide a response that your app uses to invoke the SDK and launch the payment screen.
Webhook Configuration: Set up a webhook URL on your server to receive real-time, server-to-server updates on transaction status.
Security: Use the provided API secret to generate a checksum for every API request, ensuring data integrity and security.

Integrations

To get more details about the integration steps and guidelines please visit the following link.