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name: phonepe description: "Process UPI payments via PhonePe — initiate collect requests, generate QR codes, check transaction status, and handle refunds. Use when the user asks about PhonePe payments, UPI integration, Indian mobile payments, or UPI collect/QR payment flows." metadata: author: ankitjh4 display-name: PhonePe UPI Payments

PhonePe UPI Payment Gateway

Accept UPI payments via PhonePe — India's leading UPI platform.

Setup

1. Register at https://business.phonepe.com
2. Get API credentials from merchant dashboard

export PHONEPE_MERCHANT_ID="your_merchant_id"
export PHONEPE_SALT_KEY="your_salt_key"
export PHONEPE_SALT_INDEX=1
export PHONEPE_ENV="preprod"  # "preprod" for testing, "production" for live

Variable	Required	Description
PHONEPE_MERCHANT_ID	Yes	Merchant ID from PhonePe
PHONEPE_SALT_KEY	Yes	Salt key for signing requests
PHONEPE_SALT_INDEX	Yes	Salt index (usually 1)
PHONEPE_ENV	No	"preprod" or "production" (default: preprod)

Payment Workflow

1. Initiate payment — use collect (UPI request) or qr (QR code) command
2. Customer authorises — customer approves on their UPI app
3. Check status — python3 scripts/phonepe.py status "txn_id" to confirm payment
4. Handle result — status returns SUCCESS, PENDING, or FAILED; retry status check if PENDING

Usage

# Initiate UPI collect request (amount in INR)
python3 scripts/phonepe.py collect "user@upi" 100 "order123"

# Generate QR code payment
python3 scripts/phonepe.py qr 500 "order456"

# Check transaction status
python3 scripts/phonepe.py status "txn_id"

# Process refund
python3 scripts/phonepe.py refund "txn_id" 100

Features

• UPI Collect (request payment from VPA)
• QR Code payments
• Transaction status checks
• Refunds

API Endpoints

• Sandbox: https://api-preprod.phonepe.com
• Production: https://api.phonepe.com
• Docs: https://developer.phonepe.com/