U sers 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 le ander helped in onboarding Nicholson onto the system
A x

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%

a ment initiation and channel selection on merchant’s website

P y

P y a ment initiation via end user

a in order created
P y
End User selects payment
A n end user on John’s website method The end user sees a

(Merchant) sees a product/

loading screen with the

service costing ₹1000.

 Payin order of amount ₹1000 erchant has

M
End user sees a page with all
text - “Please wait -
A
gets created on the system member
the available Payin Channels of
initiating your
channels
he end user clicks on the ‘Pay’
T
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 Three Channel modes for Merchants
ssume the end user had selected for the UPI. The
is the go-to setting for
A
3rd party PG is selected based on what the admin f
De ault Mode
has chosen as system’s default 3rd party gateway
for payins on UPI.

standard payins and is explained in this flow

Proportional Mode allocates payins across
No appropriate member

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
Amount Mode routes payins between
System searches for a member with the If the chosen 3rd party PG does not allow choosing
following properties payment channels, show the whole checkout page member channels and 3rd party channels
ember is onlin
M
Merchant has
enabled 3rd Yes
AM ember is
found within
based on their monetary value
Member has a personal payment channel party backup the timeout
that matches with the payment channel Checkout page created from member’s
chosen by the end use
personal payment channel
Member has a quota of atleast ₹1000

ssume the end user had selected for the

A
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

k
payment” is ta en o ff. k
payment” is ta en o ff.

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”

a in order status changed to

P y a in order status changed to
P y

‘Submitted’ ‘Submitted’

P y a ment verification

Automatic verification Manual verification

he 3rd party PG verifies automatically T he admin checks the transaction Id and

T
whether the Payin was successful or not reciept/screenshot and verifies if the
and notifies the system about it. Payin should be verified or not

Shouldn’t the member

confirm this?



e s the one who can

H ’

PG A dmin verify whether he actually

verifies verifies received the payin or not
the Payin the Payin
Aryan Mahajan
verified not verified verified not verified

Payin’s status Payin’s status Payin’s status

changed to
changed to
Payin’s status
changed to ‘Failed’
‘Complete’ changed to ‘Failed’
‘Complete’

The loading screen

“Please wait - verifying

The loading screen
your transaction” is
“Please wait - verifying
taken off
your transaction” is

taken off

End User sees that End User sees that

End User sees that his payment is his payment is failed.
his payment is End User sees that successful.
successful. his payment is failed.

T he success T he failure
The success T he failure callback is called callback is called
callback is called callback is called
in the merchant’s in the merchant’s
in the merchant’s in the merchant’s intergration code. intergration code.
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

o s s Payin Commission rate is 1

Y u uf’
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

le ander’s Payin Commission rate is 0.3

A x
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])