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PatilShreyas / EasyUpiPayment-Android

📱Android Library to implement UPI Payment integration easily in Android App 💳💸
https://eupipay-docs.netlify.app/
Apache License 2.0
355 stars 121 forks source link

[BUG] All UPI payments are failing #67

Closed varunagharav closed 3 years ago

varunagharav commented 3 years ago

Write information about Bug/Feature Request here The Problem No matter what UPI app I trigger, it just says, "Maximum limit exceeded...." and the transaction just got failed. NO ERROR MESSAGE IS LOGGING

aniket5687 commented 3 years ago

I got the same problem. How to this solve? PhonePe Error: For Security Reasons, you are not allowed to send money from your bank account for this payment. Note: You don't have to enter your BHIM UPI PIN to receive Money/cashback. Google Pay Error: Maximum limit exceeded....

govindowlok0 commented 3 years ago

i have solution regarding this issue ------ Receiver upi id as person upi id not working you can change as business upi id

aniket5687 commented 3 years ago

I have 1 business bank account. UPI id created this account. But again same issue.

govindowlok0 commented 3 years ago

Can you share after @ upi id

aniket5687 commented 3 years ago

Can you share after @ upi id

you can send your personal email id. i can send it. i'll not send publically.

govindowlok0 commented 3 years ago

govindowlok0@gmail.com

muthuvel2 commented 3 years ago

Even I'm facing the issue. Exploring it.

muthuvel2 commented 3 years ago

Now it started working with BHIM, issue still exist with Gpay.

I'm planning to report this issue with NPCI.

In stackoverflow also someone reported it https://stackoverflow.com/questions/62953449/getting-error-you-have-exceeded-the-maximum-transaction-amount-set-by-your-bank

sz32 commented 3 years ago

Hello did anyone get solution?

govindowlok0 commented 3 years ago

Receiver upi id as person upi id not working you can change as business upi id

varunagharav commented 3 years ago

I have check that who ever has register UPI for business will get an MCC and only that will pay through this method.

Chhokra commented 3 years ago

Now it started working with BHIM, issue still exist with Gpay.

I'm planning to report this issue with NPCI.

In stackoverflow also someone reported it https://stackoverflow.com/questions/62953449/getting-error-you-have-exceeded-the-maximum-transaction-amount-set-by-your-bank

It's still failing for me in BHIM as well

Chhokra commented 3 years ago

Receiver upi id as person upi id not working you can change as business upi id

but what if my app specifically targets all UPI ids not just business UPI id?

anurag141 commented 3 years ago

any solution ?

sz32 commented 3 years ago

we all are getting issue in UPI intent flow. we tried all things like Merchant UPI id and so many other things.

and I found something that they made changes in UPI intent flow so tried but couldn't able to understand so i shared a link @PatilShreyas please look into it it may be help for the solution there is yellow marked for highlighting the important things.

https://web.archive.org/web/20200921110005/https://www.npci.org.in/sites/default/files/UPI%20Linking%20Specs_ver%201.6.pdf

abhitulse commented 3 years ago

There are two things which we need to do compulsory.

abhitulse commented 3 years ago

There are two things which we need to do compulsory.

  • Use pa, pn, mc, tr, tn, am and cu append Query Parameters. In so many tutorials mc is not mentioned or commented. Uri uri = Uri.parse("upi://pay").buildUpon() .appendQueryParameter("pa", "upiId") .appendQueryParameter("pn", "Payee Name") .appendQueryParameter("mc", "Payee merchant code") //this could be kept blank .appendQueryParameter("tr", "Transaction reference ID") .appendQueryParameter("tn", "Transaction note") .appendQueryParameter("am", amount) .appendQueryParameter("cu", "INR") .build();
  • You have to use business/merchant account UPI ID (I used gpay merchant account) otherwise it wont work.

https://www.blueappsoftware.com/google-pay-error-bank-limit-exceeded/

Chhokra commented 3 years ago

@sz32 you found a solution?

abhitulse commented 3 years ago

@sz32 you found a solution?

yes

abhitulse commented 3 years ago

There are two things which we need to do compulsory.

  • Use pa, pn, mc, tr, tn, am and cu append Query Parameters. In so many tutorials mc is not mentioned or commented. Uri uri = Uri.parse("upi://pay").buildUpon() .appendQueryParameter("pa", "upiId") .appendQueryParameter("pn", "Payee Name") .appendQueryParameter("mc", "Payee merchant code") //this could be kept blank .appendQueryParameter("tr", "Transaction reference ID") .appendQueryParameter("tn", "Transaction note") .appendQueryParameter("am", amount) .appendQueryParameter("cu", "INR") .build();
  • You have to use business/merchant account UPI ID (I used gpay merchant account) otherwise it wont work.

https://www.blueappsoftware.com/google-pay-error-bank-limit-exceeded/

@sz32 refer this

PatilShreyas commented 3 years ago

@abhitulse Thanks for the link with a reference. I tried it but not getting success (Because I put wrong value for mc). I just had a question, so this UPI payment via Intent will be only limited for merchants and not for regular users, right?

PatilShreyas commented 3 years ago

Thanks @abhitulse for letting us know about the solution with good references. This has been fixed in the latest version v3.0.1 of the EasyUpiPayment library. Now onwards, payment will be only processed for a payee having a valid merchant account. It won't work for general UPI user. Please note it. Thanks to the people for participating in the discussion and helped in solving this issue.

Thanks all! 😃 🎉

SoniKarsh commented 3 years ago

@PatilShreyas from where can I get merchant code? I have merchant id but couldn't find merchant code anywhere?

PatilShreyas commented 3 years ago

@SoniKarsh You can keep it blank also, but UPI VPA should be of merchant

SoniKarsh commented 3 years ago

@PatilShreyas I have registered my UPI with Business apps like Google business and Paytm business but that doesn't work as well.

Is there a different procedure for Merchant UPI or it is as I mentioned?

PatilShreyas commented 3 years ago

@SoniKarsh there's no extra procedure as far as I know. I think you're missing something.

SoniKarsh commented 3 years ago

@PatilShreyas ohkay thanks for your reply. I'll try and let you know if I get any success.

codehustler53 commented 3 years ago

Can anyone confirm whether this update works or not?

aniket5687 commented 3 years ago

Work Google pay others not checked.

On Wed, 18 Nov 2020, 1:00 p.m. codehustler53, notifications@github.com wrote:

Can anyone confirm whether this update works or not?

— You are receiving this because you commented. Reply to this email directly, view it on GitHub https://github.com/PatilShreyas/EasyUpiPayment-Android/issues/67#issuecomment-729492546, or unsubscribe https://github.com/notifications/unsubscribe-auth/ANGINSURY76RK2PFFYTMISDSQNZYVANCNFSM4TB2QPNQ .

codehustler53 commented 3 years ago

Work Google pay others not checked. … On Wed, 18 Nov 2020, 1:00 p.m. codehustler53, @.***> wrote: Can anyone confirm whether this update works or not? — You are receiving this because you commented. Reply to this email directly, view it on GitHub <#67 (comment)>, or unsubscribe https://github.com/notifications/unsubscribe-auth/ANGINSURY76RK2PFFYTMISDSQNZYVANCNFSM4TB2QPNQ .

Can you share me your merchant UPI id because I have used mine but not working.

SoniKarsh commented 3 years ago

Mine is keep failing even with merchant UPI. Getting same error. I have also attached Merchant code.

One question - My UPI id will stay the same as it was before registering for Google business right?

aniket5687 commented 3 years ago

Receiver upi I'd used in business upi I'd and merchant I'd.

On Wed, 18 Nov 2020, 2:05 p.m. codehustler53, notifications@github.com wrote:

Work Google pay others not checked. … <#m-1009547555990094894> On Wed, 18 Nov 2020, 1:00 p.m. codehustler53, @.***> wrote: Can anyone confirm whether this update works or not? — You are receiving this because you commented. Reply to this email directly, view it on GitHub <#67 (comment) https://github.com/PatilShreyas/EasyUpiPayment-Android/issues/67#issuecomment-729492546>, or unsubscribe https://github.com/notifications/unsubscribe-auth/ANGINSURY76RK2PFFYTMISDSQNZYVANCNFSM4TB2QPNQ .

Can you share me your merchant UPI id because I have used mine but not working.

— You are receiving this because you commented. Reply to this email directly, view it on GitHub https://github.com/PatilShreyas/EasyUpiPayment-Android/issues/67#issuecomment-729523832, or unsubscribe https://github.com/notifications/unsubscribe-auth/ANGINSROYPVV32ZH6ZLZZH3SQOBLNANCNFSM4TB2QPNQ .

codehustler53 commented 3 years ago

Receiver upi I'd used in business upi I'd and merchant I'd. On Wed, 18 Nov 2020, 2:05 p.m. codehustler53, notifications@github.com wrote: … Work Google pay others not checked. … <#m-1009547555990094894> On Wed, 18 Nov 2020, 1:00 p.m. codehustler53, @.***> wrote: Can anyone confirm whether this update works or not? — You are receiving this because you commented. Reply to this email directly, view it on GitHub <#67 (comment) <#67 (comment)>>, or unsubscribe https://github.com/notifications/unsubscribe-auth/ANGINSURY76RK2PFFYTMISDSQNZYVANCNFSM4TB2QPNQ . Can you share me your merchant UPI id because I have used mine but not working. — You are receiving this because you commented. Reply to this email directly, view it on GitHub <#67 (comment)>, or unsubscribe https://github.com/notifications/unsubscribe-auth/ANGINSROYPVV32ZH6ZLZZH3SQOBLNANCNFSM4TB2QPNQ .

I have my UPI id and using that I have registered for google pay business then My current UPI id will be used as Merchant UPI id right?

chhota89 commented 3 years ago

How to get the mc (Payee merchant code)?

codehustler53 commented 3 years ago

How to get the mc (Payee merchant code)?

https://fs.fldfs.com/iwpapps/pcard/docs/MCCs.pdf

here's a list of MCC. You can find the MCC and try and if it works please do let me know.

codehustler53 commented 3 years ago

It works with Google pay, Phone pe, and Paytm. Doesn't works with Amazon pay as amazon pay responds with pending status instead of success and the pending flag is not maintained by this repository.

Chhokra commented 3 years ago

Thanks @abhitulse for letting us know about the solution with good references. This has been fixed in the latest version v3.0.1 of the EasyUpiPayment library. Now onwards, payment will be only processed for a payee having a valid merchant account. It won't work for general UPI user. Please note it. Thanks to the people for participating in the discussion and helped in solving this issue.

Thanks all!

Does this mean the payer(me) needs to have a merchant account as well?

SoniKarsh commented 3 years ago

Thanks @abhitulse for letting us know about the solution with good references. This has been fixed in the latest version v3.0.1 of the EasyUpiPayment library. Now onwards, payment will be only processed for a payee having a valid merchant account. It won't work for general UPI user. Please note it. Thanks to the people for participating in the discussion and helped in solving this issue.

Thanks all!

Does this mean the payer(me) needs to have a merchant account as well?

Not at all bro. Payer or the user who is paying can be a normal account holder or merchant but the account which is receiving the money should be of merchant type.

Chhokra commented 3 years ago

Thanks @abhitulse for letting us know about the solution with good references. This has been fixed in the latest version v3.0.1 of the EasyUpiPayment library. Now onwards, payment will be only processed for a payee having a valid merchant account. It won't work for general UPI user. Please note it. Thanks to the people for participating in the discussion and helped in solving this issue. Thanks all!

Does this mean the payer(me) needs to have a merchant account as well?

Not at all bro. Payer or the user who is paying can be a normal account holder or merchant but the account which is receiving the money should be of merchant type.

Thanks for the quick response. My payments are still failing and its possible because I can't look up the merchant code through the QR codes. How to go about this?

SoniKarsh commented 3 years ago

Thanks @abhitulse for letting us know about the solution with good references. This has been fixed in the latest version v3.0.1 of the EasyUpiPayment library. Now onwards, payment will be only processed for a payee having a valid merchant account. It won't work for general UPI user. Please note it. Thanks to the people for participating in the discussion and helped in solving this issue. Thanks all!

Does this mean the payer(me) needs to have a merchant account as well?

Not at all bro. Payer or the user who is paying can be a normal account holder or merchant but the account which is receiving the money should be of merchant type.

Thanks for the quick response. My payments are still failing and its possible because I can't look up the merchant code through the QR codes. How to go about this?

Merchant code is not necessary at all you can keep it blank the only restriction is that it should be there whether with its value or keep it blank.

Still if you want to look for merchant code.

You can find it this way. ..

https://fs.fldfs.com/iwpapps/pcard/docs/MCCs.pdf

sharma00praful commented 3 years ago

this issue should re-open. as payments are keep on failing even with mc. i use this link upi://pay?pa=X@ybl&pn=name&mc=5965&tr=xyz123&tn=test&am=1&cu=INR"

nagaraj10 commented 2 years ago

@PatilShreyas AM using EasyUpiPayment library still facing issue on gpay upi payments . it showing error as “the transaction may be risky.For your safety ,it cant be completed at this time”

implementation 'dev.shreyaspatil.EasyUpiPayment:EasyUpiPayment:3.0.3'

maheshkankar commented 2 years ago

I got the same problem. How to this solve? PhonePe Error: For Security Reasons, you are not allowed to send money from your bank account for this payment. Note: You don't have to enter your BHIM UPI PIN to receive Money/cashback. Google Pay Error: Maximum limit exceeded....

Did your problem solved, I also tried many things but getting problem.

abhitulse commented 2 years ago

Hello, I hope my this information will help you. Try using Merchant Account Bank UPI ID or your can also use razorpay virtual account UPI ID. This works for me. Phonepe has limit of 200 rupees. Gpay works fine. Paytm has fake transactions issue.

maheshkankar commented 2 years ago

Hii, Thanks for Sharing Information, It helped me a lot.

Thanks mahesh

On Sat, Oct 16, 2021 at 1:01 PM Abhishek Tulse @.***> wrote:

Hello, I hope my this information will help you. Try using Merchant Account Bank UPI ID or your can also use razorpay virtual account UPI ID. This works for me. Phonepe has limit of 200 rupees. Gpay works fine. Paytm has fake transactions issue.

— You are receiving this because you commented. Reply to this email directly, view it on GitHub https://github.com/PatilShreyas/EasyUpiPayment-Android/issues/67#issuecomment-944873546, or unsubscribe https://github.com/notifications/unsubscribe-auth/ADVAJFYPHXYC3BSL2MIFMDTUHES4TANCNFSM4TB2QPNQ . Triage notifications on the go with GitHub Mobile for iOS https://apps.apple.com/app/apple-store/id1477376905?ct=notification-email&mt=8&pt=524675 or Android https://play.google.com/store/apps/details?id=com.github.android&referrer=utm_campaign%3Dnotification-email%26utm_medium%3Demail%26utm_source%3Dgithub.

abhitulse commented 2 years ago

Hello, I hope my this information will help you. Try using Merchant Account Bank UPI ID or your can also use razorpay virtual account UPI ID. This works for me. Phonepe has limit of 200 rupees. Gpay works fine. Paytm has fake transactions issue.

You can also use UPI ID of PhonePe Merchant Account

ramesh-gehlot commented 2 years ago

Payments are failing above INR 1000

RahulGunani commented 2 years ago

Any one can provide Fully Solution implementation 'dev.shreyaspatil.EasyUpiPayment:EasyUpiPayment:3.0.3' I Have implement this but it is also not work properly. I Try with GPAY Bussiness Account And normal bank upi id but issue is same. @PatilShreyas

RahulGunani commented 2 years ago

USE THIS UPDATED CODE

https://github.com/RahulGunani/Upi-Payment-in-Android-Latest-Updated-Code/

ogil7190 commented 1 year ago

i think for security reasons the UPI intent that we are generating with upi://pay?am= ... all this has a query param sign which we need to provide. NPCI day by day increasing the security and covering the edge cases of such payments. I would suggest to go through a proper bank and request them plug in sdk or upi apis. Because as the mobile version of the apps will update they will cover these loop holes and no payment will be done.

In short, intent should be signed and only proper PSP issuers can do that as the signing keys are regularly synced with NPCI servers.