A PPI (Prepaid Payment Instrument) Transaction involves a sender initiating a transaction. The process starts with an OTP sent to the sender's registered mobile number for verification. Once authenticated, the transaction is initiated via the sender’s PPI account and processed through the bank. The recipient then receives the funds in their account or wallet.
Every transaction response will contain a tx_status code with the following possible values:
| tx_status | txstatus_desc |
|---|---|
| 0 | Success |
| 1 | Fail |
| 2 | Initiated |
| 3 | Refund Pending |
| 4 | Refunded |
| 5 | Hold (Transaction Inquiry Needed) |
In case if any other value is returned in tx_status parameter then the transaction should be treated as initiated and transaction inquiry should be done until final status is received.
Transaction Timeout
A transaction can timeout due to multiple reasons, such as, bad internet connection or slow response from the partner bank. In such cases, transaction should not be treated as declined or failed. Ideally, it should be inquired using the Transaction Inquiry API by the passing your own reference number, i.e.,
client_ref_id.