PhonePe Merchant Guide: UPI Collection and Auto-Debit
The Indian payment ecosystem concentrates heavily on UPI, and UPI is technically nothing like a card: there is no card number, the collection identifier is a virtual payment address, and there are two distinct flows, intent and collect, with different timeout and failure semantics. Subscriptions rely on e-mandate authorisation, a separate logic from card-on-file debits. This guide covers integration trade-offs, state machine design and the recurring misreadings.