Supported currency

EBANX processes UPI QR transactions in Indian Rupee (INR) only. When you authorize an amount on the Payment Page, set the currency to INR.

Supported operations

The following table lists the operations that Zuora supports for the UPI QR payment method on EBANX.

Add a payment method with an on-session payment

Use this flow to collect an initial payment and store the payment method for future recurring UPI Autopay payments.

• The customer scans the QR code and approves the initial payment.

• The customer approves the UPI Autopay mandate in the UPI app during the same flow.

• Zuora processes the initial payment and stores the payment method for future recurring payments.

  Note: This flow works best on a desktop device, where you can display the QR code for the customer to scan with a UPI-enabled app on their mobile device. You are responsible for determining which screen the end user is using and for displaying the appropriate payment method experience.

UPI QR payment process

UPI QR is an interactive, on-session payment method. The customer must be present to scan the QR code and approve the payment in a UPI app. The customer experience is as follows:

1. On the Payment Page, the customer selects UPI as the payment method. Unlike UPI Collect, the customer does not need to enter a Virtual Payment Address (VPA).
2. Zuora requests the transaction from EBANX and displays a dynamic QR code on the Payment Page, along with a countdown timer that shows how long the code remains valid.
3. The customer opens a UPI-enabled app, scans the QR code, reviews the payment details, and enters the UPI PIN to authorize the payment.
4. The Payment Page waits for confirmation from EBANX. The customer keeps the window open until the payment is complete.
5. Store payment method with on-session payment. The customer scans the QR code, approves the UPI Autopay mandate in the UPI app, and completes the initial payment in the same flow. Zuora stores the payment method for future recurring payments after the mandate is approved.

The QR code is valid for a limited time, which is 5 minutes by default. To adjust the validity window, use a client parameter when you render the Payment Page. For more information, see Set up your client for EBANX UPI QR payments.

Payment flows

UPI QR on EBANX supports the following payment flows. To select a flow, combine the doPayment and storePaymentMethod client parameters when you render the Payment Page.

One-time payment

Use this flow to collect a single payment without storing the payment method for future use.

• The customer scans the QR code and approves the payment.
• Zuora processes a one-time payment for the authorized amount.
• Zuora does not store a payment method and does not create a UPI Autopay mandate. The customer must be present and scan a new QR code for any future payment.

Recurring payments with UPI Autopay

Use this flow to enroll the customer in UPI Autopay so that you can process future recurring payments off-session without the customer scanning a QR code each time.

• The customer scans the QR code and approves a UPI Autopay mandate in the UPI app.
• Zuora submits the enrollment to EBANX UPI Autopay and stores a tokenized UPI QR payment method on the customer account. The stored payment method is linked to the approved mandate.
• After enrollment, Zuora processes recurring payments against the stored payment method without further customer interaction, subject to the mandate terms such as frequency and minimum and maximum amounts.

You can enroll the customer in one of the following ways:

• Enroll with an initial payment. Zuora charges the customer the authorized amount during enrollment and stores the payment method for future recurring payments.
• Enroll without an initial payment. Zuora stores the payment method for future recurring payments without charging the full amount during enrollment. To validate the mandate, Zuora charges a small validation amount of two rupees and then automatically refunds it.

Reconciliation

To use UPI QR on EBANX, you must enable Real-Time Reconciliation. Zuora uses EBANX webhooks together with Real-Time Reconciliation to receive asynchronous payment and mandate updates and to keep the payment method state in sync with the enrollment state.

If you use UPI Autopay, Zuora uses EBANX Real-Time Reconciliation (RTR) and webhooks to reconcile the following enrollment lifecycle events automatically:

If EBANX reports that an enrollment is revoked, Zuora closes the payment method, and you can no longer use that payment method for recurring payments. Zuora also closes the payment method when the enrollment expires.

Pre-debit notification (PDN)

If you use a stored UPI Autopay payment method for recurring payments, Zuora automatically sends a pre-debit notification (PDN) 24 to 48 hours before each recurring payment. The notification timing is controlled by a tenant property. If you need to configure the PDN timing or enable this functionality for your tenant, contact Zuora Global Support.

Tenant property enablement

To use UPI QR and related UPI Autopay capabilities, certain tenant properties must be enabled for your tenant.

Contact Zuora Global Support to enable the required tenant properties for UPI QR, including the properties that control UPI payment method availability and pre-debit notification behavior.

Error handling

If EBANX returns a gateway error, the error is displayed to the customer. If you submit a recurring merchant-initiated transaction (MIT) without a valid pre-debit notification (PDN), the payment fails.

Zuora does not retry these errors automatically. To retry a failed recurring payment, you must first ensure that a valid PDN is sent and then submit the payment again.