Goal : Scan UPI QR codes through my app and open UPI apps for payment through intent. Basically instead of scanning directly using PayTm, I would like to scan through my app, process some logic and then invoke Paytm or another UPI app.
I have read NPCI UPI LINKING SPECIFICATIONS 1.6 and it seems it's possible, specifically this para at the end.
Note that there can be 3rd party general purpose utility applications that allows users to scan these QR codes, launch the link, allow other innovative transfer protocols using sound, etc. Such apps can work as a proxy utility that sends/receives these links and then launch the appropriate apps that are listening to these intents.
I have read that I need to sign, but that would be the case in case I was generating UPI links from scratch to my merchant ID or do I need to do even if I'm just passing the UPI link I scanned from merchant QR code?
But when I try do, scan the QR code, which gives me a link upi://pay?pa=upiaddress@okhdfcbank&pn=JohnDoe&cu=INR it does launch the PayTm app but after inserting UPI passcode It says either
24 Hr payment limit on your bank has been exceeded
when doing on my personal UPI ID, scanned from Paytm QR code
Payment failed as this mode is not allowed on this UPI ID
when doing on a shopkeepers QR code.
for example this is the link I got from scanning merchants QR code
upi://pay?pa=paytmqrlq0iuwnve5@paytm&pn=Paytm
So I had few questions,
It it actually possible to scan merchant QR codes and transfer the UPI link to another device for UPI payment. Directly or by adding some logic in between?
do I need to register as a independent developer, I did read on some comments that I need to register on nfinite.in
Please provide proper UPI intent documentation and what's possible, specifically expanding on that para from NPCI UPI LINKING SPECIFICATIONS.