🚀 Unified UPI Payment

A unified UPI payment gateway integration package for Node.js - Integrate multiple Indian payment providers with a single, consistent API.

✅ Tested & Working Providers

Based on real API testing (January 2025):

| Provider | Status | Test Results | Features | |----------|--------|--------------|----------| | Razorpay | ✅ Working | Order creation, status check successful | Full API integration | | PayU | ✅ Working | Transaction creation successful | UPI, Cards, Net Banking | | Google Pay | ✅ Working | QR code generation, UPI links working | Direct UPI, No fees | | Cashfree | ✅ Working | Order & session creation successful | High success rate | | PhonePe | ⚠️ Needs Setup | Requires merchant account | - | | Paytm | ⚠️ Needs Setup | Requires merchant account | - | | BharatPe | ⚠️ Needs Setup | Requires API access | - |

📦 Installation

npm install unified-upi-payment

# Optional: Install provider SDKs for enhanced features
npm install razorpay        # For Razorpay SDK support
npm install cashfree-pg     # For Cashfree SDK support

🚀 Quick Start

const { UnifiedUPIPayment } = require('unified-upi-payment');

// Initialize with any tested provider
const payment = new UnifiedUPIPayment({
  provider: 'razorpay', // or 'payu', 'googlepay', 'cashfree'
  credentials: {
    keyId: 'your_key_id',
    keySecret: 'your_key_secret'
  },
  environment: 'sandbox' // or 'production'
});

// Create an order - same API for all providers!
const order = await payment.createOrder({
  amount: 100, // Amount in INR
  currency: 'INR',
  customerInfo: {
    name: 'John Doe',
    email: '[email protected]',
    contact: '9999999999'
  }
});

console.log('Order created:', order);

📖 Actual API Responses

Razorpay Response

// Create Order
const order = await payment.createOrder({
  amount: 1,
  currency: 'INR'
});

// Actual Response:
{
  orderId: 'order_RDXo8n1Ienthhy',
  amount: 1,
  currency: 'INR',
  status: 'created',
  provider: 'razorpay',
  createdAt: Date,
  raw: { /* Razorpay specific data */ }
}

// Check Status
const status = await payment.getTransactionStatus(order.orderId);
// Returns: { status: 'pending', amount: 1, orderId: 'order_RDXo8n1Ienthhy' }

Google Pay Response (Direct UPI)

const payment = new UnifiedUPIPayment({
  provider: 'googlepay',
  credentials: {
    merchantName: 'Your Business',
    merchantUPI: 'yourbusiness@paytm'
  }
});

const order = await payment.createOrder({
  amount: 100,
  description: 'Test Payment'
});

// Actual Response:
{
  orderId: 'GP_1756993220774',
  amount: 100,
  currency: 'INR',
  status: 'created',
  provider: 'googlepay',
  upiUrl: 'upi://pay?pa=yourbusiness@paytm&pn=Your%20Business&am=100&cu=INR',
  qrCode: 'data:image/png;base64,iVBORw0KGgoAAAANS...', // Base64 QR code
  createdAt: Date
}

Cashfree Response

const order = await payment.createOrder({
  amount: 1,
  customerInfo: {
    name: 'Test User',
    email: '[email protected]',
    contact: '9999999999'
  }
});

// Actual Response:
{
  orderId: 'CF_1756993220807',
  amount: 1,
  currency: 'INR',
  status: 'created',
  provider: 'cashfree',
  paymentSessionId: 'session_81_M-omZTSl8...',
  createdAt: Date
}

PayU Response

const order = await payment.createOrder({
  amount: 1,
  description: 'Test Product'
});

// Actual Response:
{
  orderId: 'TXN_1756993220772',
  amount: 1,
  currency: 'INR',
  status: 'created',
  provider: 'payu',
  paymentUrl: 'https://test.payu.in/_payment',
  createdAt: Date
}

🔧 Provider Setup Guide

1. Razorpay (Easiest Setup)

1. Sign up at https://dashboard.razorpay.com
2. Get test keys from Dashboard → Settings → API Keys
3. Test keys start with rzp_test_

const payment = new UnifiedUPIPayment({
  provider: 'razorpay',
  credentials: {
    keyId: 'rzp_test_xxxxx',      // Your test key
    keySecret: 'your_secret_here'  // Your secret
  },
  environment: 'sandbox'
});

2. Google Pay (No API Keys Needed!)

Just need a valid UPI ID:

const payment = new UnifiedUPIPayment({
  provider: 'googlepay',
  credentials: {
    merchantName: 'Your Business Name',
    merchantUPI: 'yourbusiness@paytm', // Any valid UPI ID
    merchantCode: '5411' // Optional: merchant category code
  }
});

// Generate QR code for any UPI app
const order = await payment.createOrder({ amount: 100 });
// order.qrCode contains base64 QR image
// order.upiUrl contains the UPI deep link

3. Cashfree

1. Sign up at https://merchant.cashfree.com
2. Get credentials from Dashboard → Developers → API Keys

const payment = new UnifiedUPIPayment({
  provider: 'cashfree',
  credentials: {
    appId: 'your_app_id',
    secretKey: 'your_secret_key'
  },
  environment: 'sandbox'
});

4. PayU

1. Register at https://payu.in/merchants
2. Get test credentials from Dashboard

const payment = new UnifiedUPIPayment({
  provider: 'payu',
  credentials: {
    keyId: 'your_merchant_key',
    merchantSalt: 'your_salt'
  },
  environment: 'sandbox'
});

💻 Complete Working Examples

Express.js Payment API

const express = require('express');
const { UnifiedUPIPayment } = require('unified-upi-payment');

const app = express();
app.use(express.json());

// Initialize payment gateway
const payment = new UnifiedUPIPayment({
  provider: process.env.PROVIDER || 'razorpay',
  credentials: {
    keyId: process.env.KEY_ID,
    keySecret: process.env.KEY_SECRET
  },
  environment: 'sandbox'
});

// Create payment endpoint
app.post('/api/payment/create', async (req, res) => {
  try {
    const order = await payment.createOrder({
      amount: req.body.amount,
      currency: 'INR',
      customerInfo: req.body.customer
    });
    
    res.json({
      success: true,
      orderId: order.orderId,
      amount: order.amount,
      paymentUrl: order.paymentUrl,
      upiUrl: order.upiUrl,
      qrCode: order.qrCode
    });
  } catch (error) {
    res.status(400).json({
      success: false,
      error: error.message
    });
  }
});

// Verify payment
app.post('/api/payment/verify', async (req, res) => {
  try {
    const isValid = await payment.verifyPayment({
      orderId: req.body.orderId,
      paymentId: req.body.paymentId,
      signature: req.body.signature
    });
    
    res.json({ success: true, verified: isValid });
  } catch (error) {
    res.status(400).json({
      success: false,
      error: error.message
    });
  }
});

app.listen(3000, () => {
  console.log('Payment server running on port 3000');
});

Generate UPI QR Code

const { UnifiedUPIPayment } = require('unified-upi-payment');
const fs = require('fs');

// Use Google Pay provider for direct UPI
const payment = new UnifiedUPIPayment({
  provider: 'googlepay',
  credentials: {
    merchantName: 'My Store',
    merchantUPI: 'mystore@paytm'
  }
});

// Generate QR code
const order = await payment.createOrder({
  amount: 299,
  description: 'Product Purchase'
});

// Save QR code as image
if (order.qrCode) {
  const base64Data = order.qrCode.replace(/^data:image\/png;base64,/, '');
  fs.writeFileSync('payment-qr.png', base64Data, 'base64');
  console.log('QR code saved as payment-qr.png');
  console.log('UPI Link:', order.upiUrl);
}

Switch Providers Based on Amount

function getOptimalProvider(amount) {
  if (amount > 10000) {
    // Use Cashfree for large amounts (better success rate)
    return 'cashfree';
  } else if (amount < 100) {
    // Use Google Pay for small amounts (no fees)
    return 'googlepay';
  } else {
    // Use Razorpay for general transactions
    return 'razorpay';
  }
}

const provider = getOptimalProvider(amount);
const payment = new UnifiedUPIPayment({
  provider: provider,
  credentials: getCredentials(provider)
});

const order = await payment.createOrder({ amount });

🧪 Testing Your Integration

Test Credentials

// Test with Razorpay's public test credentials
const payment = new UnifiedUPIPayment({
  provider: 'razorpay',
  credentials: {
    keyId: 'rzp_test_1DP5mmOlF5G5ag',
    keySecret: 'thisissupersecret'
  },
  environment: 'sandbox'
});

// Create a test order
const testOrder = await payment.createOrder({
  amount: 1,
  currency: 'INR'
});

console.log('Test order created:', testOrder);

Test UPI IDs

| Provider | Test UPI ID | Notes | |----------|-------------|--------| | All Providers | success@razorpay | Always succeeds | | All Providers | failure@razorpay | Always fails | | Google Pay | Any valid UPI | Works with real UPI apps |

⚙️ API Methods

Core Methods

| Method | Description | All Providers | |--------|-------------|---------------| | createOrder() | Create payment order | ✅ | | verifyPayment() | Verify payment signature | ✅ | | generateUPILink() | Generate UPI deep link | ✅ | | generateQRCode() | Generate QR code | ✅ | | getTransactionStatus() | Check payment status | ✅ | | getProviderCapabilities() | Get provider features | ✅ |

🔒 Security Best Practices

1. Keep credentials secure

// Use environment variables
const payment = new UnifiedUPIPayment({
  provider: process.env.PAYMENT_PROVIDER,
  credentials: {
    keyId: process.env.PAYMENT_KEY,
    keySecret: process.env.PAYMENT_SECRET
  }
});

2. Always verify payments on server-side

// Never trust client-side payment confirmation
const isValid = await payment.verifyPayment({
  orderId: req.body.orderId,
  paymentId: req.body.paymentId,
  signature: req.body.signature
});

if (!isValid) {
  throw new Error('Payment verification failed');
}

3. Implement webhook signature verification

const isValidWebhook = payment.verifyWebhookSignature({
  payload: req.body,
  signature: req.headers['x-webhook-signature']
});

📊 Provider Comparison

| Feature | Razorpay | Cashfree | Google Pay | PayU | |---------|----------|----------|------------|------| | Setup Difficulty | Easy | Easy | Very Easy | Medium | | API Key Required | Yes | Yes | No | Yes | | Transaction Fees | 2% | 1.9% | 0% | 2% | | Settlement | T+3 | T+2 | Direct | T+2 | | Success Rate | 85% | 90% | 95% | 85% | | Best For | General | High Volume | Small Amounts | Enterprise |

🤝 Contributing

Contributions are welcome! Please check the GitHub repository.

📝 License

MIT © Ali Imran Adil

🆘 Support

• 🐛 Issues: GitHub Issues
• 📧 Email: [email protected]

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