Users and Roles

Name Role Details

John Merchant Payin Channels - UPI, Netbankin
Payout Channels - UPI, Netbankin
Payin Service Rate - 3
Payout Service Rate - 2
Withdrawal Payment Gateway - Phonepe

Yousuf Member Personal Payment Channels - UPI, Netbankin

Payin Commission Rate - 1
Payout Commission Rate - 0.5%

Roger Admin

Steve Merchant Agent 1 Steve helped in onboarding Edward onto the System
Payin Commission Rate - 0.3
Payout Commission Rate - 0.2%

Edward Merchant Agent 2 Edward helped in onboarding John onto the system
Payin Commission Rate - 0.2
Payout Commission Rate - 0.1%

Alexander Member Agent 1 Alexander helped in onboarding Nicholson onto the system

Payin Commission Rate - 0.3

Payout Commission Rate - 0.2%

Nicholson Member Agent 2 Nicholson helped in onboarding Yousuf to the syste

Payin Commission Rate - 0.2
Payout Commission Rate - 0.1%

Payment initiation and channel selection on merchant’s website

Payment initiation via end user

Payin order created
End User selects payment
An end user on John’s website method The end user sees a
(Merchant) sees a product/ loading screen with the
service costing ₹1000.

 text - “Please wait - Merchant has
End user sees a page with all A Payin order of amount ₹1000
initiating your
gets created on the system member
the available Payin Channels of channels
The end user clicks on the ‘Pay’ Merchant and selects one of
payment”
with “Uninitiated” status.
button. enabled
these payin channels

Yes No

Resolution of checkout page

Default 3rd party payment gateway is chosen hree Channel modes for Merchants
T

Assume the end user had selected for the UPI. The
3rd party PG is selected based on what the admin D efault Mode is the go-to setting for
has chosen as system’s default 3rd party gateway
for payins on UPI.

standard payins and is explained in this flow

No appropriate member
 Proportional Mode allocates payins across
is found The selected PG’s checkout page is sent to the end
user on John’s website with only that payment
between member channels and 3rd party
System searches for an appropriate member channel enabled which end user selected.

 channels according to a specific ratio. This
System searches for a member with the If the chosen 3rd party PG does not allow choosing ratio can be amongst 2 or more 3rd party
following properties payment channels, show the whole checkout page PGs also
Merchant has
enabled 3rd Yes
A Member is
found within
Amount Mode routes payins between
Member is onlin
Member has a personal payment channel party backup the timeout member channels and 3rd party channels
that matches with the payment channel
chosen by the end use
Checkout page created from member’s based on their monetary value. These
Member has a quota of atleast ₹1000
personal payment channel values can be distributed amongst 2 or
more 3rd party PGs also.
Assume the end user had selected for the
An appropriate member 
 UPI. A checkout page is sent to the end user
- Yousuf is found on John’s website with the UPI details of
Yousuf (member).
No (ie. no timeout limit)

End User submits the payment on the website

The loading screen with The loading screen with

the text - “Please wait - the text - “Please wait -
initiating your initiating your
payment” is taken off. payment” is taken off.

End user makes transaction via offline manual

remittance
End user makes transaction on the 3rd party PG Out of the UPI and Netbanking options, End
user chooses Netbankin
End user makes the transaction of ₹1000 on the End User sees Yousuf’s Netbanking channel
3rd party PG’s checkout page detail
End user makes a transaction of ₹1000 on
Yousuf’s Netbaking details via offline manual
remittance

System generated Receipt is created

End user submits transaction artifacts

End user submits the transaction Id and the

transaction receipt/screenshot on the checkout
page

End user sees a loading

screen - “Please wait -
verifying your
transaction”
End user sees a loading
screen - “Please wait -
verifying your
transaction”

Payin order status changed to Payin order status changed to

‘Submitted’ ‘Submitted’

Payment verification

Automatic verification
Member Quota Withholding
The 3rd party PG verifies automatically
whether the Payin was successful or not Some amount will be upheld from
and notifies the system about it. member’s current quota(before the payin).
This amount can be set in percentage by
the admin as a system-wide setting

Manual verification
PG
verifies The member checks the transaction Id
the Payin and reciept/screenshot and verifies if the
Payin should be verified or not
verified not verified

Payin’s status Member

changed to
Payin’s status verified verifies not verified
changed to ‘Failed’ the Payin
‘Complete’

Payin’s status Payin’s status

changed to
changed to ‘Failed’
‘Complete’

The loading screen

“Please wait - verifying

your transaction” is
taken off

The loading screen

“Please wait - verifying

your transaction” is
taken off

End User sees that End User sees that

his payment is his payment is failed.
successful.
Member gets his Member gets his
withheld quota back withheld quota back

The success The failure End User sees that

callback is called callback is called his payment is End User sees that
in the merchant’s in the merchant’s successful. his payment is failed.
intergration code. intergration code.

The success The failure

callback is called callback is called
in the merchant’s in the merchant’s
intergration code. intergration code.

Commissions and Profits

Merchant gets his cut Merchant gets his cut

John’s Payin service rate is 3 John’s Payin service rate is 3

Calculated service amount = ₹30 (3% of ₹1000 Calculated service amount = ₹30 (3% of ₹1000
John’s balance gets credited by ₹970 John’s balance gets credited by ₹970

Merchant’s agents get their cuts Merchant’s agents get their cuts

Steve’s Payin Commission rate is 0.3 Steve’s Payin Commission rate is 0.3
Calculated commission amount = ₹3 (0.3% of ₹1000 Calculated commission amount = ₹3 (0.3% of ₹1000
Steve’s balance gets credited by ₹ Steve’s balance gets credited by ₹
Edward’s Payin Commission rate is 0.2 Edward’s Payin Commission rate is 0.2
Calculated commission amount = ₹2 (0.2% of ₹1000 Calculated commission amount = ₹2 (0.2% of ₹1000
Edward’s balance gets credited by ₹2
Edward’s balance gets credited by ₹2

System Profit Member gets his commission

Yousuf’s Payin Commission rate is 1

System Profit = Merchant’s payin service amount - Merchant Agents’ Calculated commission amount = ₹10 (1% of ₹1000
commission amount

Quota to be decreased = ₹990 (₹1000 - ₹10

Yousuf’s quota is decreased by ₹990
Calculated System Profit = ₹25 (30 - [3 + 2])

Member’s agents get their commissions

Alexander’s Payin Commission rate is 0.3

Calculated commission amount = ₹3 (0.3% of ₹1000
Alexander’s balance gets credited by ₹

Nicholson’s Payin Commission rate is 0.2

Calculated commission amount = ₹2 (0.2% of ₹1000
Nicholson’s balance gets credited by ₹2

System Profit

System Profit = Merchant’s payin service amount - (Merchant Agents’

commission amount + Member’s commission amount + Members
Agents’s commission amount)

Calculated System Profit = ₹10 (30 - [3 + 2 + 10 + 3 + 2])