- The Dynamic QR is displayed to the users on the checkout page of AI Router.
- User can scan the QR code either from Paytm App or through any other 3rd party PSP app.
- Paytm App Flow:
- If the user scans the Dynamic QR from Paytm App, the below payment options will be available to the user:
- User then chooses a payment instrument and clicks on Pay. Pay API will be called using the PG MID of the merchant.
- Transaction is processed through Paytm PG and Notification is sent out to AI Router.
- 3rd Party App flow:
- If the user scans the Dynamic QR from any 3rd Party PSP App, the UPI payment option will be invoked directly on the application.
- User then enters their MPIN / UPI-PIN to complete the transaction.
- The PSP App sends the transaction to its UPI switch and the UPI Switch sends the transaction to NPCI for processing.
- NPCI processes the transaction and sends the response back to both PA's UPI switch as well as PSP's UPI Switch.
- The transaction status is updated on the PSP App as well as the PA.
- The Payment Gateway sends the callback to the AI Router. AI Router then sends the status to the merchant.
- Merchant can call the AI Router's Transaction Status API to verify the final status of the payment.
- AI Router returns the final payment status to the merchant and the merchant's app / browser will display it to the user.
