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Integrate UPI Payment Gateway Using SDK In Flutter

This blog will explore the Integrate UPI Payment Gateway Using SDK In Flutter. We will also implement a demo program, and learn how to integrate UPI payment gateway using SDK in your Flutter applications.

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Table of Contents :

Introduction

Understanding UPI and its significance

Choosing the Right UPI SDK

Key features of UPI Payment Gateway

Setting up your flutter project

Gradle setup

Installing the UPI SDK

Initialising UPI payment

EasyUpiPaymentModel

Parameters Of EasyUpiPaymentModel

TransactionDetailModel

Parameters Of TransactionDetailModel

Final Output

Conclusion

Github Link


Introduction:-

In today’s fast-paced digital world, providing seamless and secure payment options within a mobile app is crucial for enhancing user experience and driving business growth. The Unified Payments Interface (UPI) has revolutionized digital payments in India, offering a simple and efficient way for users to transfer funds and make payments instantly. By integrating a UPI payment gateway into your Flutter app, you can enable your users to make hassle-free transactions, whether for purchasing products, paying bills, or transferring money.

This comprehensive article will walk you through the process of integrating a UPI payment gateway into your Flutter app. Whether you’re a seasoned developer or just getting started with Flutter, this article will provide you with step-by-step instructions and best practices to implement UPI payments successfully. By the end of this article, you’ll have a deep understanding of how to create a seamless payment experience for your users while ensuring the highest standards of security.

Understanding UPI and its Significance:

Unified Payment Interface (UPI) is a groundbreaking payment system that allows users to link multiple bank accounts to a single mobile application. This enables seamless fund transfers and transactions between individuals and businesses, eliminating the need for traditional banking methods.

UPI operates 24/7, ensuring real-time transfers, and has gained immense popularity due to its simplicity and security. Integrating UPI into your Flutter app empowers users to make hassle-free payments, boosting customer satisfaction and engagement. This section will provide a comprehensive overview of UPI, its functioning, and why it’s a game-changer for digital payments.

Choosing the Right UPI SDK:

Selecting a suitable UPI Software Development Kit (SDK) is vital. Compare SDK options such as Paytm, Razorpay, and BharatPe, evaluating factors like integration complexity, documentation quality, community support, and compatibility with your Flutter project.

Key features of UPI Payment Gateway:

  • Seamless Transactions: Users can make payments seamlessly within your Flutter app, reducing friction and enhancing the overall user experience.
  • Wide Payment Acceptance: UPI supports a wide range of use cases, including person-to-person transfers, bill payments, online shopping, and more, making your app versatile and accommodating various transaction types.
  • Real-Time Processing: UPI payments are processed in real-time, allowing users to receive instant confirmation and updates about the status of their transactions.
  • Enhanced Security: By leveraging a reputable UPI SDK, you ensure that sensitive financial data is encrypted and protected, offering a secure payment environment for users.
  • User-Friendly Interface: Your app can provide a user-friendly payment interface where users can easily input payment details, review transactions, and initiate payments without hassle.
  • Payment Status Updates: Users receive immediate updates on the success or failure of their transactions, ensuring transparency and reducing uncertainty.
  • Convenient Payment Methods: UPI allows users to link multiple bank accounts to a single app, giving them the flexibility to choose their preferred payment source.
  • QR Code Support: UPI supports QR code payments, enabling users to scan QR codes to initiate payments quickly and effortlessly.
  • Cross-Bank Compatibility: UPI enables transactions between different banks, making it easy for users with accounts across various banks to transact seamlessly.
  • Error Handling: The UPI SDK can provide robust error handling mechanisms, helping to manage potential issues during the payment process and providing users with clear error messages.

Setting Up Your Flutter Project:

Initiate your Flutter project by creating a new app or modifying an existing one. Ensure that Flutter and Dart are installed, and set up your project with the required dependencies in the pubspec.yaml file.

Gradle Setup:

  • In build.gradle of the app module, include this below dependency to import the EasyUpiPayment library in the app.
dependencies {
implementation "dev.shreyaspatil.EasyUpiPayment:EasyUpiPayment:3.0.3"
}
  • Furthermore, within the debugConfig, update the minSdkVersion to 19.
defaultConfig {
minSdkVersion 19
}

Installing the UPI SDK:

Integrate your chosen UPI SDK into your project by adding the SDK dependency to the pubspec.yaml file.

dependencies:
flutter:
sdk: flutter

easy_upi_payment: <latest version>
  • Run the flutter pub get command to install the dependency, making the SDK’s functionalities available in your Flutter app.

Initialise UPI payment:

The startPayment() a method is likely designed to initiate a UPI payment transaction within a Flutter app.

ref.read(mainStateProvider.notifier).startPayment(
EasyUpiPaymentModel(
payeeVpa: payeeVpaController.text,
payeeName: payeeNameController.text,
amount: double.parse(amountController.text),
description: descriptionController.text,
),
);
  • We pass an object of EasyUpiPaymentModel as a parameter of the startPayment() method.

EasyUpiPaymentModel:

class EasyUpiPaymentModel {

final String payeeVpa;
final String payeeName;
final String? payeeMerchantCode;
final String? transactionId;
final String? transactionRefId;
final String? description;
final double amount;

const EasyUpiPaymentModel({
required this.payeeVpa,
required this.payeeName,
required this.amount,
required this.description,
this.payeeMerchantCode,
this.transactionId,
this.transactionRefId,
});
}

Parameters Of EasyUpiPaymentModel:

  1. payeeVpa (Virtual Payment Address): The recipient’s UPI identifier, often in the format username@upi. This is similar to an email address but used for payments.
  2. payeeName : It takes the name of the payee/recipient like the User Name.
  3. amount: The amount of money to be transferred in the transaction.
  4. transactionRefId (Optional): A reference string or ID associated with the transaction for tracking and reconciliation purposes.
  5. transactionId (Optional): This field is used in Merchant Payments generated by PSPs. If provided null then it uses [DateTime.now().microsecondsSinceEpoch]
  6. payeeMerchantCode (Optional): A code that identifies the merchant initiating the payment, often used for business-specific purposes.
  7. description (Optional): A short description or note about the payment.

We get an object of TransactionDetailModel as the return from the startPayment() method.

Future<TransactionDetailModel?> startPayment(
EasyUpiPaymentModel easyUpiPaymentModel,
) {
throw UnimplementedError('startPayment() has not been implemented.');
}

TransactionDetailModel:

class TransactionDetailModel {
final String? transactionId;
final String? responseCode;
final String? approvalRefNo;
final String? transactionRefId;
final String? amount;

const TransactionDetailModel({
required this.transactionId,
required this.responseCode,
required this.approvalRefNo,
required this.transactionRefId,
required this.amount,
});
}

Parameters Of TransactionDetailModel:

  1. transactionId: A unique identifier assigned to the payment transaction.
  2. responseCode : A numerical code that represents the outcome of the payment. Different codes usually correspond to different types of results, such as success, failure, or other specific scenarios.
  3. approvalRefNo: A reference number provided by the payment gateway or bank to identify the approval of the transaction.
  4. transactionRefId : A reference ID assigned to the transaction, which might be useful for tracking and reconciliation purposes.
  5. amount : The amount of money involved in the transaction.

We have the flexibility to adapt and utilize these fields as per our specific -requirements within the user interface. Hence, the UPI payment service has been seamlessly integrated into our Android app, ensuring a smooth and efficient user experience 😃.

You’ll find the entire code in the GitHub Link mentioned below.

Final Output:

As we run the application, this is what we get as our final output.


Conclusion:

In this article, we’ve explored the process of seamlessly incorporating UPI payment services into our Flutter app. Hope you found the article useful to you😃.

❤ ❤ Thanks for reading this article ❤❤

If I got something wrong? Let me know in the comments. I would love to improve.

Clap 👏 If this article helps you.


GitHub Link:

GitHub – flutter-devs/upi_pay_app
Contribute to flutter-devs/upi_pay_app development by creating an account on GitHub.github.com


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