UPI Deep Link payment declined

Question

I don't know whether its right place to ask this question or not, rather I don't know where to ask this question.

I am developing an app in flutter , For in app purchase I am trying to implement UPI payment . I also got a few plugins to do so , But when I am testing, I am getting declined my transaction. I am trying to get UPI payments through PhonePe in my app. I don't know what is the exact reason to decline the transaction. Do anyone know about this ? Does it need any special permission or anything else ?

which plugin I am using that showing example transaction successfully.Then where am I going wrong ?

Here is the screenshot of the failed transaction

here is the response I got txnId=YBL02b309a0fff447f6b1d83d7cf1e4e75e&txnRef=test01&Status=Failed&responseCode=01

Solution

I got the solution, I was using personal UPI address. It needs a merchant UPI. Without merchant UPI its not possible to get payment through deep-linking. Using merchant UPI its working fine.

Comments

[Anurag Choudhary]

How did you find merchant UPI Id?

[Mijanur Rahaman]

register as a marchant in upi providers business app, and use your terminal id as your upi id, there is no need to use your merchant id, although you will get it in your business app

[Anurag Choudhary]

We created a merchant account but couldn't fie terminal id. How did you find terminal id?

[Mijanur Rahaman]

in which company ?

[rinkesh]

can you please explore your solution? what do you mean by merchant upi

[Mijanur Rahaman]

@rinkesh register yourself as a marchant on upi app, you will get terminal and upi id for your business use that upi address