Feature Request: UPI support.

[khitab]

Having UPI integration in the app will make the Settle Up part much easier.

Flow:

1. Users can add their UPI IDs to the profile.
2. Clicking on Settle Up using UPI would open installed UPI app, or in case of web, a QR code.

Reference:

• How to Generate Dynamic QR Codes to Collect Payments through UPI
• UPI Deeplinks specs

Validations
The group or inidividuals involved in settling up the expenses should reside in India.

Edge case:

Payment status:

For mobile app, there could be a way to know the payment status and mark the status as settled up in our system.
But when a person scans the QR code from web and completes the transaction, there is no way to know the status because the transaction started outside the device.
A payment gateway integration can solve this. For the scope of this issue, we can keep the flow similar to cash transaction and rely on user confirmation when using QR code (web).

[KMKoushik]

@khitab we should think about how we can easily other providers for other contries,

it should be in a way where we can add multiple providers as link which users can be clicked while trying to settle up, this way we can support any providers that allows link sharing.

[khitab]

On searching for popular P2P payment solutions, found that payment links / pages are not the first class citizens in the suite.

Examples:

• Google Pay had P2P payments in the US but it is discontinued.
• Apple has P2P payments but it does not have link feature.
• Paypal has PayPal.me.

There are payment solutions like Venmo, Zelle etc that may have payment links. Having a payment link functionality for settling up can be a generic solution. However, UPI will need a different implementation. UPI, being a DPG, works on an open specification. Just like Email, UPI has VPA and payments can be made using any app. The number of countries supporting UPI is growing.

We can create another Github issue for including support for payment links.