CCAvenue has announced Intent, a UPI payments flow on its payment gateway. Usually, UPI transactions involve answering a push notification after entering your payment address while checking out. With Intent, the payments processor hopes to bring in the level of simplicity that other payment methods like Net Banking, mobile wallets and credit/debit cards have already had for online payments.
On Intent, which will be automatically rolled out to on all mobile Android apps where CCAvenue is integrated, UPI payments will simply redirect to one of a few UPI apps that are installed on the user’s phone, and redirects back to the payment gateway on the app. While this still involves jumping back and forth two apps, the process is automated by CCAvenue. Intent is not available on iOS.
Not the first implementation
An Intent-like payment flow has already been around on the BookMyShow app and on apps like Swiggy where PhonePe is integrated. In the latter case, the app simply redirects to PhonePe, finishes up on the transaction after the user has entered the MPIN, and returns to the main app. But this is a solution that needs to be implemented by the app developer themselves.
CCAvenue is partnered with services like MakeMyTrip, Yatra, Jabong and Myntra, and for clients where their checkout/gateway service is already integrated, this feature will automatically roll out, the company said. It’s unclear if this will work for every UPI app, or only on the apps that CCAvenue named in its announcement, which are WhatsApp Pay, PhonePe, BHIM and Tez.