@rajeev02/payments

India-focused payments SDK with UPI deep links, card validation (Luhn), wallet integration, and subscription management.

Part of Rajeev SDK — cross-platform infrastructure libraries for building apps that work everywhere.

Why use this?

• UPI-first — Generate UPI intent URIs for Google Pay, PhonePe, Paytm, BHIM. VPA validation, PSP detection.
• Card support — Visa/Mastercard/Amex/RuPay detection, Luhn validation, formatted display
• Wallet integration — Paytm, PhonePe, Amazon Pay — unified checkout flow
• Subscriptions — Create, upgrade, downgrade, cancel — with proration and GST
• Refunds — Full/partial refund flow with reason tracking
• Indian-optimized — INR formatting, GST calculation, UPI 2.0 collect, merchant category codes
• Pure TypeScript — No payment gateway SDK dependency. Bring your own backend.

⚠️ Important: Payment Gateway Required

This library provides client-side payment utilities — it does NOT process payments, charge cards, or communicate with payment gateways directly.

| What the library does (client-side) | What YOU must build (backend) | | ------------------------------------------ | ---------------------------------------------------- | | Generate UPI intent URIs (upi://pay?...) | Merchant VPA registration with your bank | | Validate card numbers (Luhn algorithm) | Card tokenization via Razorpay/Stripe/Juspay | | Detect card network (Visa/MC/RuPay/Amex) | PCI-compliant card processing | | Generate wallet checkout payloads | Paytm/PhonePe merchant integration + callback server | | Manage subscription state | Recurring billing via payment gateway | | Calculate GST and format INR amounts | Tax reporting and invoicing |

UPI: The generated upi://pay?... URI only works when a UPI app (GPay, PhonePe, Paytm, BHIM) is installed on the user's device. On web, UPI intent links are not supported.

Recommended payment gateways for India: Razorpay, Cashfree, Juspay, PayU, Stripe India

Platform Support

| Platform | Engine | Status | | ---------- | ---------- | ------ | | iOS 16+ | TypeScript | ✅ | | Android 7+ | TypeScript | ✅ | | Web | TypeScript | ✅ | | watchOS 9+ | TypeScript | ✅ |

Installation

npm install @rajeev02/payments

Peer Dependencies

• react >= 18.3.0
• react-native >= 0.84.0 (optional)

Quick Start

UPI Payments

import { generateUpiUri, validateVpa, getPspName } from "@rajeev02/payments";

// Generate UPI intent link
const uri = generateUpiUri(
  { merchantVpa: "store@paytm", merchantName: "My Store" },
  { amount: 499, note: "Order #1234", orderId: "ORD_1234" },
);
// → "upi://pay?pa=store%40paytm&pn=My+Store&am=499.00&cu=INR&..."

// Open with Linking.openURL(uri) on React Native
// or window.location.href = uri on Web

// Validate VPA
validateVpa("rajeev@paytm"); // → true
validateVpa("invalid"); // → false
getPspName("rajeev@paytm"); // → "Paytm"
getPspName("rajeev@okicici"); // → "iMobile Pay"

Card Payments

import {
  detectCardNetwork,
  formatCardNumber,
  validateCardNumber,
} from "@rajeev02/payments";

detectCardNetwork("4111111111111111"); // → "visa"
detectCardNetwork("5500000000000004"); // → "mastercard"
detectCardNetwork("6521000000000000"); // → "rupay"

formatCardNumber("4111111111111111"); // → "4111 1111 1111 1111"
validateCardNumber("4111111111111111"); // → true (Luhn check)

Wallet Checkout

import { WalletManager } from "@rajeev02/payments";

const wallets = new WalletManager();

wallets.register({
  provider: "paytm",
  merchantId: "MID_123",
  environment: "production",
  callbackUrl: "https://myapp.com/callback",
});

const checkout = wallets.generateCheckout("paytm", {
  orderId: "ORD_1234",
  amount: 499,
  customerId: "cust_abc",
});

Subscriptions

import { SubscriptionManager } from "@rajeev02/payments";

const subs = new SubscriptionManager();

const sub = subs.create({
  planId: "pro_monthly",
  customerEmail: "[email protected]",
  amount: 999,
  currency: "INR",
  interval: "month",
  trialDays: 14,
});

API Reference

| Export | Type | Description | | ---------------------- | ---------- | ------------------------------------------ | | generateUpiUri() | function | Generate UPI deep link URI | | validateVpa() | function | Validate UPI Virtual Payment Address | | getPspName() | function | Get PSP name from VPA handle | | detectCardNetwork() | function | Detect Visa/MC/Amex/RuPay from card number | | formatCardNumber() | function | Format card with spaces | | validateCardNumber() | function | Luhn algorithm validation | | WalletManager | class | Register and manage wallet providers | | SubscriptionManager | class | Subscription lifecycle management | | RefundManager | class | Full/partial refund processing |

Full Documentation

📖 Complete API docs with all payment flows

License

MIT © 2026 Rajeev Kumar Joshi