Introduction
As per latest guidelines "NPCl/UPl/OC-225/2025-26", the National Payments Corporation of India (NPCI) has launched the UPI Cashpoint service within the UPI ecosystem, which enables customers to withdraw cash through UPI transactions at authorized Business Correspondent (BC) locations. This solution leverages real-time UPI infrastructure, allowing customers to make secure, instant payments using QR codes and receive equivalent cash from the BC.UPI Cashpoint bridges the gap between digital payments and physical cash availability, especially in areas with limited ATM access. It empowers Business Correspondents (BCs) to act as assisted cash-out points, thereby enhancing financial inclusion while also providing an additional revenue opportunity through commissions on transactions.
Purpose
The purpose of this document is to outline the Staging Integration phase, which focuses on validating APIs related to transaction processing and transaction enquiry. This phase is intended to ensure that the complete transaction flow functions correctly, outcomes are accurately verified, and Webhook are properly handled before proceeding to production. The following APIs are covered under this integration:
- Cashpoint Dynamic QR Generation API
- Transaction Status Enquiry
- Webhook
These APIs enable the creation of payment requests, allow status checks on those transactions, and provide updates via Webhook.
Integration and Testing
A single round of integration testing will be conducted in the Staging environment. This testing is meant to validate the end-to-end transaction flow using the APIs mentioned above. The testing should cover the following:
- Generation of Cashpoint Dynamic QR
- Initiation of transactions through the Intent API
- Checking the transaction status using the Status Enquiry API
- Receiving updates through the Webhook
- Once this testing round is completed successfully and the APIs perform as expected, the system will be considered ready for production deployment.
