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ICICI_UPI

Step 1 - Procure Gateway Credentials

Obtain the merchant credentials from the ICICI_UPI team for Sandbox (testing) and Production (live).

Please find below a sample format of credentials that you can expect from the gateway.

Merchant ID*: 9*****6
API Key*: I************G
Channel Code*: E****Y
Device ID*: 9***************6
Mobile*: 9999999999
Profile ID*: 2*******6
Sub Merchant ID*: Same as the merchant ID
MCC*: 6300 (or the relevant code for your category)
Payee VPA*: ******upi@icici
Transaction Reference Prefix*: JPY
Use ICICI Hybrid Encryption: Enabling this toggle enables the Hybrid Encryption for the PG.

Step 2 - Dashboard Configuration

Open up the Juspay Portal
- Production: https://portal.juspay.in (Configuring here will affect your live environment)
- Sandbox: https://sandbox.portal.juspay.in (Dedicated for testing)
Navigate to Payments → PG Control Centre
Select ICICI_UPI under the “Add a Payment Gateway (PG)" section
Select an environment for the payment gateway. If not sure then confirm with ICICI_UPI team whether the credentials provided by them are for testing or production usage
- Live Environment: Real money involved, all flows supported
- Testing Environment: Simulate payments, only some flows are supported
Gateway Reference ID: For most cases you don’t need this but if you do then refer https://juspay.io/in/docs/hyper-checkout/android/resources/gateway-reference-id

Step 3 - Configure Payment Methods

Configure the payment methods as per your business needs using the Juspay Dashboard. Enable or disable payment methods your business will accept through ICICI_UPI on this screen.

Step 4 - Advanced Features (optional)

Following advanced feature flags are available under ICICI_UPI:

Bank Instant Refund: Enabling this fag would allow you to use Bank Instant Refunds
Emandate: Enabling this flag would enable mandate payments with payment instruments other than CARD
One Time Mandate: Enabling this flag would enable the flow where money is blocked in User's account and one debit takes place post which Mandate expires.
Use Transaction UUID as TR: Enabling this field would mean that the TR parameter in ICICI_IPI APIs would have the value of the UUID generated at Juspay end. This flag is introduced so that character limit constraints at gateway can be maintained without any change from your end.
Waiting Page Expiry in Seconds: The no. of seconds the waiting page should be visible in case of UPI.

Step 5 - Configure Juspay URLs at Gateway

Refer to the Webhook Section to get the list of Juspay URLs that need to be whitelisted at the gateway end.

Step 6 - Testing

Test all payment flows using the sandbox environment. Ensure that all enabled payment methods work as expected and the callbacks are received correctly.

Step 7 - Go live

Switch your configuration to production credentials on Juspay Dashboard after thorough testing, and inform gateway to enable your production credentials if required.