How Rapido®Pay leverages standard mobile OS custom URI schemes (upi://pay) to deliver seamless, non-custodial checkout transitions across your installed UPI payment applications.
| Dimension | UPI Native Intent (Rapido®Pay Model) | Full TPAP Integration (e.g. Third-Party Aggregator Model) |
|---|---|---|
| Licensing & Registration | Open standard protocol. No standalone RBI or NPCI license required. | Mandatory NPCI TPAP registration + Tripartite Bank Agreement + CERT-In audits. |
| Custodial Liability | Zero custodial liability. Funds never touch Rapido®Pay systems. | Direct operational liability for customer payment transactions. |
| Authentication | Carried out inside the user's authentic banking application via NPCI common library. | Integrated within the app using embedded NPCI SDKs. |
| VPA Issuance | Does not issue VPAs. Routes to existing payee addresses. | Issues proprietary handles (e.g., @ybl, @okhdfcbank). |
Rapido®Pay parses and reconstructs standard NPCI compliant URIs following this specification:
upi://pay?pa=merchant@ybl&pn=MerchantName&mc=5411&tr=TXN123456&am=250.00&cu=INR&tn=InvoiceDescription
| Parameter | Description | Requirement |
|---|---|---|
pa |
Payee Virtual Payment Address (VPA) / UPI ID. | Mandatory |
pn |
Payee Business or Individual Name. | Mandatory |
mc |
Merchant Category Code (4 digits standard ISO 18245). | Optional (Mandatory for verified merchants) |
tr |
Transaction Reference ID for settlement reconciliation. | Mandatory for commercial merchants |
am |
Transaction amount in decimal format (e.g., 250.00). | Optional for dynamic QR; Mandatory for static checkout |
cu |
Currency Code. Standard is INR. |
Mandatory |
tn |
Transaction Note / Narrative displayed on bank statements. | Optional |
In accordance with Android 11+ (API level 30+) package visibility requirements and iOS Custom URL Scheme restrictions, the host mobile application declares explicit query intents:
<queries> declaration in AndroidManifest.xml targeting <intent><action android:name="android.intent.action.VIEW" /><data android:scheme="upi" /></intent>.LSApplicationQueriesSchemes configuration in Info.plist for major UPI provider schemes (e.g., upi, standard installed banking schemes).