{"id":4512,"date":"2026-02-05T14:24:49","date_gmt":"2026-02-05T06:24:49","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=4512"},"modified":"2026-02-05T14:24:49","modified_gmt":"2026-02-05T06:24:49","slug":"%e5%8d%b0%e5%ba%a6%e5%8e%9f%e7%94%9f%e6%94%af%e4%bb%98-api-%e6%8e%a5%e5%8f%a3%e6%96%87%e6%a1%a3%e8%af%b4%e6%98%8e","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2026\/02\/05\/%e5%8d%b0%e5%ba%a6%e5%8e%9f%e7%94%9f%e6%94%af%e4%bb%98-api-%e6%8e%a5%e5%8f%a3%e6%96%87%e6%a1%a3%e8%af%b4%e6%98%8e\/","title":{"rendered":"\u5370\u5ea6\u539f\u751f\u652f\u4ed8 API \u63a5\u53e3\u6587\u6863\u8bf4\u660e"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts11.mm.bing.net\/th?q=phonepe10\" alt=\"\u5370\u5ea6\u539f\u751f\u652f\u4ed8 API \u63a5\u53e3\u6587\u6863\u8bf4\u660e\" title=\"\u5370\u5ea6\u539f\u751f\u652f\u4ed8 API \u63a5\u53e3\u6587\u6863\u8bf4\u660e\"><\/p>\n<h1>\u5370\u5ea6\u539f\u751f\u652f\u4ed8API\u63a5\u53e3\u6587\u6863\u8bf4\u660e\uff1a\u96c6\u6210\u6307\u5357\u4e0e\u6700\u4f73\u5b9e\u8df5<\/h1>\n<h2>\u5f15\u8a00\uff1a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u751f\u6001\u6982\u89c8<\/h2>\n<p>\u968f\u7740\u5370\u5ea6\u6570\u5b57\u7ecf\u6d4e\u7684\u98de\u901f\u53d1\u5c55\uff0c\u5176\u672c\u571f\u5316\u652f\u4ed8\u4f53\u7cfb\u5df2\u6210\u4e3a\u56fd\u9645\u4f01\u4e1a\u8fdb\u5165\u8be5\u5e02\u573a\u5fc5\u987b\u638c\u63e1\u7684\u5173\u952e\u73af\u8282\u3002UPI\uff08\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff09\u3001RuPay\u3001NetBanking\u7b49\u539f\u751f\u652f\u4ed8\u65b9\u5f0f\u5360\u636e\u7740\u5370\u5ea6\u7535\u5b50\u4ea4\u6613\u7684\u4e3b\u6d41\u5730\u4f4d\u3002\u672c\u6587\u4f5c\u4e3a\u4e13\u4e1a\u7684\u6280\u672f\u6307\u5357\uff0c\u5c06\u8be6\u7ec6\u89e3\u6790\u5370\u5ea6\u4e3b\u6d41\u652f\u4ed8API\u7684\u96c6\u6210\u89c4\u8303\u3001\u6280\u672f\u8981\u70b9\u4e0e\u5408\u89c4\u8981\u6c42\uff0c\u5e2e\u52a9\u5f00\u53d1\u8005\u9ad8\u6548\u5b89\u5168\u5730\u63a5\u5165\u8fd9\u4e00\u91cd\u8981\u5e02\u573a\u3002<\/p>\n<h2>\u4e00\u3001\u6838\u5fc3\u652f\u4ed8\u63a5\u53e3\u8be6\u89e3<\/h2>\n<h3>1.1 UPI\uff08\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff09\u96c6\u6210\u89c4\u8303<\/h3>\n<p>UPI\u7531\u5370\u5ea6\u56fd\u5bb6\u652f\u4ed8\u516c\u53f8\uff08NPCI\uff09\u5f00\u53d1\uff0c\u5df2\u6210\u4e3a\u5370\u5ea6\u6700\u6d41\u884c\u7684\u5b9e\u65f6\u4ed8\u6b3e\u7cfb\u7edf\u3002\u5176API\u96c6\u6210\u4e3b\u8981\u5305\u542b\u4ee5\u4e0b\u7ec4\u4ef6\uff1a<\/p>\n<p><strong>\u8bf7\u6c42\u7aef\u70b9\u914d\u7f6e<\/strong>::<\/p>\n<ul>\n<li>\u751f\u4ea7\u73af\u5883\uff1a<code>https:\/\/api.upi.npci.org.in\/v3\/<\/code><\/li>\n<li>\u6c99\u7bb1\u73af\u5883\uff1a<code>https:\/\/sandbox.upi.npci.org.in\/v3\/<\/code><\/li>\n<\/ul>\n<p><strong>Description of key parameters<\/strong>::<\/p>\n<ul>\n<li><code>vpa<\/code>\uff08\u865a\u62df\u4ed8\u6b3e\u5730\u5740\uff09\uff1a\u683c\u5f0f\u4e3a\u201c\u7528\u6237\u540d@\u94f6\u884c\u6807\u8bc6\u201d<\/li>\n<li><code>merchantId<\/code>\uff1a\u7ecfNPCI\u8ba4\u8bc1\u7684\u5546\u6237\u552f\u4e00\u6807\u8bc6<\/li>\n<li><code>transactionNote<\/code>\uff1a\u4ea4\u6613\u5907\u6ce8\u4fe1\u606f\uff08\u9650\u523650\u5b57\u7b26\uff09<\/li>\n<\/ul>\n<p><strong>\u56de\u8c03\u5904\u7406\u673a\u5236<\/strong>::<\/p>\n<pre><code class=\"language-json\">{\r\n  &quot;status&quot;: &quot;SUCCESS&quot;,\r\n  &quot;transactionId&quot;: &quot;NPC123456789&quot;,\r\n  &quot;amount&quot;: &quot;1500.00&quot;,\r\n  &quot;timestamp&quot;: &quot;2024-01-15T14:30:00Z&quot;\r\n}\r\n<\/code><\/pre>\n<h3>1.2 RuPay\u5361\u5904\u7406\u63a5\u53e3<\/h3>\n<p>\u4f5c\u4e3a\u5370\u5ea6\u7684\u672c\u571f\u94f6\u884c\u5361\u7f51\u7edc\uff0cRuPay\u7684\u53d7\u7406\u8981\u6c42\u7b26\u5408PCI DSS\u6807\u51c6\uff1a<\/p>\n<p><strong>\u52a0\u5bc6\u89c4\u8303<\/strong>::<\/p>\n<ul>\n<li>RSA\u5bc6\u94a5\u957f\u5ea6\u4e0d\u4f4e\u4e8e2048\u4f4d<\/li>\n<li>TLS\u534f\u8bae\u7248\u672c\u9700\u22651.2<\/li>\n<li>PIN\u6570\u636e\u4f7f\u7528HSM\u52a0\u5bc6\u4f20\u8f93<\/li>\n<\/ul>\n<h3>1.3 NetBanking\u7f51\u5173\u5bf9\u63a5<\/h3>\n<p>\u652f\u6301\u8d85\u8fc760\u5bb6\u5370\u5ea6\u94f6\u884c\u7684\u7f51\u94f6\u76f4\u8fde\uff1a<\/p>\n<p><strong>\u94f6\u884c\u4ee3\u7801\u6807\u51c6\u5316\u6620\u5c04\u8868<\/strong><br \/>\n| Bank Code | Bank Name        | Transaction Limit |<br \/>\n|&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| HDFC001   | HDFC Bank        | \u20b9200,000          |<br \/>\n| ICICI002   | ICICI Bank       | \u20b9100,000          |<br \/>\n| SBI003    | State Bank of India | \u20b9500,000       |<\/p>\n<p>\u4e8c\u3001\u6280\u672f\u5b9e\u73b0\u6d41\u7a0b<\/p>\n<p>2.1\u8eab\u4efd\u9a8c\u8bc1\u4e0e\u5b89\u5168\u534f\u8bae<\/p>\n<p>\u6240\u6709API\u8bf7\u6c42\u5fc5\u987b\u5305\u542b\u4ee5\u4e0b\u8ba4\u8bc1\u5934\uff1a<\/p>\n<pre><code>Authorization: Bearer &lt;jwt_token&gt;\r\nX-Merchant-ID: &lt;your_merchant_id&gt;\r\nX-Timestamp: &lt;unix_timestamp&gt;\r\nX-Signature: &lt;hmac_sha256&gt;\r\n<\/code><\/pre>\n<p>JWT\u4ee4\u724c\u6bcf24\u5c0f\u65f6\u9700\u5237\u65b0\u4e00\u6b21\uff0c\u7b7e\u540d\u751f\u6210\u7b97\u6cd5\u5982\u4e0b\uff1a<\/p>\n<pre><code class=\"language-python\">import hmac \r\nsignature = hmac.new(secret_key.encode(), message.encode(), 'sha256').hexdigest()\r\n<\/code><\/pre>\n<p>2.2\u8ba2\u5355\u521b\u5efa\u6d41\u7a0b<\/p>\n<p><strong>\u6b65\u9aa4\u5206\u89e3<\/strong><\/p>\n<pre><code>POST \/api\/v1\/payments\/create\r\n\r\n{\r\n   \u201corderId\u201d: \u201cINV20240115001\u201d\uff0c  \r\n   \u201camount\u201d\uff1a {\r\n        \u201cvalue\u201d\uff1a\u201c2500.50\u201d\uff0c  \r\n        \u201ccurrency\u201d\uff1a\u201cINR\u201d\r\n    }\uff0c\r\n    \u201cpaymentMethods\u201d\uff1a [\u201cupi\u201d\uff0c\u201cnetbanking\u201d\uff0c\u201crupay\u201d]\uff0c\r\n    \u201dcallbackUrl\u201c\uff1a&quot;https:\/\/yourdomain.com\/webhook&quot;\uff0c\r\n     \u201dmetadata\u201c:{\r\n          \u201dcustomerEmail&quot;:&quot;customer@example.com&quot;\u3001\r\n           \u201dproductCode&quot;:&quot;DIGITAL_SUBSCRIPTION&quot;\r\n     }\r\n}\r\n<\/code><\/pre>\n<p>2 .3 Webhook\u914d\u7f6e\u6307\u5357<\/p>\n<p>NPCI\u5f3a\u5236\u8981\u6c42\u6240\u6709\u5546\u6237\u5b9e\u73b0\u53cc\u5411webhook\u9a8c\u8bc1:<\/p>\n<p><strong>\u5fc5\u9700\u5b9e\u73b0\u7684\u7aef\u70b9<\/strong><\/p>\n<pre><code>GET \/webhook\/verify \/\/\u7528\u4e8e\u521d\u6b21\u9a8c\u8bc1  \r\nPOST \/webhook\/notification \/\/\u63a5\u6536\u4ea4\u6613\u72b6\u6001\u66f4\u65b0  \r\n<\/code><\/pre>\n<p>\u4e09\uff0e\u5408\u89c4\u6027\u8981\u6c42\u4e0e\u98ce\u9669\u7ba1\u7406<\/p>\n<p>3 .1\u6570\u636e\u672c\u5730\u5316\u89c4\u5b9a<\/p>\n<p>\u6839\u636e\u300a2019\u5e74\u4e2a\u4eba\u6570\u636e\u4fdd\u62a4\u6cd5\u6848\u300b\u8349\u6848\u53caRBI\u6307\u4ee4:<br \/>\n<em>\u7528\u6237\u8d22\u52a1\u6570\u636e\u5fc5\u987b\u57286\u5c0f\u65f6\u5185\u540c\u6b65\u81f3\u5370\u5883\u5185\u670d\u52a1\u5668<\/em><br \/>\n<em>\u65e5\u5fd7\u8bb0\u5f55\u4fdd\u5b58\u671f\u9650\u4e0d\u5c11\u4e8e7\u5e74<\/em><br \/>\n<em>\u8de8\u5883\u6570\u636e\u4f20\u8f93\u9700\u7ecf\u660e\u786e\u7528\u6237\u540c\u610f<\/em><\/p>\n<p>3 .2\u9650\u989d\u7ba1\u7406\u7b56\u7565<\/p>\n<table>\n<thead>\n<tr>\n<th>\u4e2a\u4eba\u8d26\u6237\uff5c\u5546\u5bb6\u8d26\u6237\uff5c\u7279\u6b8a\u8bb8\u53ef\u8d26\u6237\uff5c<\/th>\n<th><\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6bcf\u65e5\u8f6c\u8d26\u4e0a\u9650\uff5c\u20b9100,000\uff5c\u20b9500 ,000\uff5c\u20b95 ,000 ,000<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u5355\u7b14\u6700\u9ad8\u91d1\u989d\u2502\u20b910 \uff0c\uff10\uff10\uff10\u2502\uff32\uff53\uff12\uff10\uff10 \uff0c\uff10\uff10\uff10\u2502\uff32\uff53\uff11 \uff0c\uff10\uff10\uff10 \uff0c\uff10\uff10\uff10<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u56db\uff0e\u9519\u8bef\u4ee3\u7801\u89e3\u6790\u624b\u518c<\/p>\n<p>\u5e38\u89c1HTTP\u72b6\u6001\u7801\u5bf9\u5e94\u5173\u7cfb:<\/p>\n<p><em>400\u7cfb\u5217\u9519\u8bef<\/em><\/p>\n<pre><code class=\"language-json\">{    \r\n    \u201eerrorCode\u201f:\u201cUPI_TIMEOUT\u201f,\r\n     \u201elocalizedMsg\u201f:\u201cTransaction timeout.Please retry within30 minutes.\u201d,\r\n      \u201eretryable\u201f :true   \r\n}   \r\n<\/code><\/pre>\n<p>*\uff15XX\u7cfb\u7edf\u7ea7\u9519\u8bef\u5904\u7406<\/p>\n<h2>\u4e94\u3001\u9ad8\u7ea7\u529f\u80fd\u4e0e\u5b9a\u5236\u5316\u96c6\u6210<\/h2>\n<h3>5.1 \u81ea\u52a8\u6263\u6b3e\uff08Mandate\uff09\u529f\u80fd\u5b9e\u73b0<\/h3>\n<p>\u5370\u5ea6\u652f\u4ed8API\u652f\u6301\u9884\u6388\u6743\u4ea4\u6613\uff0c\u9002\u7528\u4e8e\u8ba2\u9605\u5236\u670d\u52a1\uff1a<\/p>\n<p><strong>\u521b\u5efa\u6388\u6743\u8bf7\u6c42\u793a\u4f8b<\/strong>::<\/p>\n<pre><code class=\"language-json\">POST \/api\/v1\/mandates\/create\r\n{\r\n    &quot;mandateType&quot;: &quot;FIXED_AMOUNT&quot;,\r\n    &quot;amount&quot;: {\r\n        &quot;fixed&quot;: &quot;999.00&quot;,\r\n        &quot;maximum&quot;: null\r\n    },\r\n    &quot;frequency&quot;: &quot;MONTHLY&quot;,\r\n    &quot;startDate&quot;: &quot;2024-02-01&quot;,\r\n    &quot;endDate&quot;: &quot;2024-12-31&quot;,\r\n    &quot;customerVPA&quot;: user@bankname,\r\n}\r\n<\/code><\/pre>\n<p><strong>\u72b6\u6001\u7ba1\u7406\u6d41\u7a0b<\/strong>::<\/p>\n<pre><code>CREATED \u2192 CUSTOMER_APPROVAL_PENDING \u2192 ACTIVE \r\n\u2192 EXECUTED (\u6bcf\u6b21\u6263\u6b3e) \u2192 EXPIRED\/CANCELLED\r\n<\/code><\/pre>\n<h3>5.2 QR\u7801\u652f\u4ed8\u52a8\u6001\u751f\u6210<\/h3>\n<p>\u9488\u5bf9\u7ebf\u4e0b\u573a\u666f\u7684\u9759\u6001\u4e0e\u52a8\u6001QR\u7801\u89c4\u8303\uff1a<\/p>\n<p><strong>API\u53c2\u6570\u914d\u7f6e\u8868<\/strong><br \/>\n| \u53c2\u6570\u540d | \u7c7b\u578b | \u5fc5\u586b | \u8bf4\u660e |<br \/>\n|&#8212;&#8212;&#8211;|&#8212;&#8212;|&#8212;&#8212;|&#8212;&#8212;|<br \/>\n| qrType | string | Y | STATIC\/DYNAMIC |<br \/>\n| amountLocked | boolean | N | DYNAMIC\u7c7b\u578b\u65f6\u53ef\u9501\u5b9a\u91d1\u989d |<br \/>\n| expiryMinutes | integer | Y(\u4ec5DYNAMIC) | QR\u7801\u6709\u6548\u65f6\u95f4 |<\/p>\n<p>\u751f\u6210\u54cd\u5e94\u5305\u542b\u6807\u51c6\u5316\u7684<code>upi:\/\/pay?<\/code>\u683c\u5f0fURI\uff0c\u7b26\u5408NPCI\u300aQR\u4ee3\u7801\u89c4\u83032.0\u300b\u3002<\/p>\n<p>\u516d\u3001\u6027\u80fd\u4f18\u5316\u4e0e\u76d1\u63a7\u5efa\u8bae<\/p>\n<p>6 .1 API\u54cd\u5e94\u65f6\u95f4\u57fa\u51c6<\/p>\n<p>\u6839\u636e\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u57fa\u7840\u8bbe\u65bd\u7279\u70b9\uff0c\u5efa\u8bae\u8bbe\u7f6e\u4ee5\u4e0bSLA\u76ee\u6807\uff1a<\/p>\n<ul>\n<li><strong>\u5173\u952e\u8def\u5f84\uff08\u5982\u53d1\u8d77\u4ea4\u6613\uff09<\/strong>\uff1aP95 &lt; 800ms<\/li>\n<li><strong>\u72b6\u6001\u67e5\u8be2\u7c7b\u63a5\u53e3<\/strong>\uff1aP99 &lt; -300ms<\/li>\n<li><strong>\u5bf9\u8d26\u6587\u4ef6\u4e0b\u8f7d<\/strong>: P90 &lt; -5s \uff08\u8003\u8651\u5230\u7f51\u7edc\u6ce2\u52a8\uff09<\/li>\n<\/ul>\n<p>\u5e94\u90e8\u7f72\u672c\u5730\u8fb9\u7f18\u8282\u70b9\u4ee5\u5e94\u5bf9\u56fd\u9645\u94fe\u8def\u5ef6\u8fdf\u3002\u4e3b\u8981\u6570\u636e\u4e2d\u5fc3\u63a8\u8350\u9009\u62e9\u5b5f\u4e70\u6216\u91d1\u5948\u3002<\/p>\n<p>6 .2\u53ef\u89c2\u6d4b\u6027\u6307\u6807<\/p>\n<p>\u5fc5\u987b\u76d1\u63a7\u7684\u6838\u5fc3\u4e1a\u52a1\u6307\u6807\u5305\u62ec:<\/p>\n<ul>\n<li><code>payment_initiation_success_rate<\/code>:\u6309\u652f\u4ed8\u65b9\u5f0f\u7ec6\u5206\u6210\u529f\u7387<\/li>\n<li><code>webhook_delivery_latency_p99<\/code>:\u786e\u4fdd\u56de\u8c03\u53ca\u65f6\u6027<\/li>\n<li><code>bank_downtime_impact<\/code>:\u5b9e\u65f6\u76d1\u6d4b\u5404\u94f6\u884c\u7cfb\u7edf\u72b6\u6001<\/li>\n<\/ul>\n<p>\u63a8\u8350\u4f7f\u7528\u4ee5\u4e0b\u7ef4\u5ea6\u8fdb\u884c\u4eea\u8868\u76d8\u62c6\u5206:<\/p>\n<pre><code>payment_method= upi, netbanking, rupay  \r\nbank_name = hdfc, icici, sbi  \r\nregion = north,south,east,west   \r\n<\/code><\/pre>\n<p>\u4e03\uff0e\u6d4b\u8bd5\u73af\u5883\u642d\u5efa\u6307\u5357<\/p>\n<p>7 .1\u6c99\u7bb1\u8d26\u6237\u7533\u8bf7\u6d41\u7a0b<\/p>\n<p>interviews<a href=\"https:\/\/developer.npci.org.in\">NPCI\u5f00\u53d1\u8005\u95e8\u6237<\/a>\u5b8c\u6210\u4ee5\u4e0b\u6b65\u9aa4:<\/p>\n<ol>\n<li>\u6ce8\u518c\u4f01\u4e1a\u8d26\u53f7\u5e76\u63d0\u4ea4GSTIN\u8bc1\u660e\u6587\u4ef6\u3002<\/li>\n<li>\u9009\u62e9\u9700\u8981\u6d4b\u8bd5\u7684\u652f\u4ed8\u4ea7\u54c1\u6a21\u5757\u3002<\/li>\n<li>\u83b7\u53d6\u6d4b\u8bd5\u7528\u7684\u865a\u62df\u94f6\u884c\u8d26\u6237\u548cUPI ID\u5217\u8868\u3002<\/li>\n<li>\u4e0b\u8f7d\u5bf9\u5e94\u7684RSA\u5bc6\u94a5\u5bf9\u7528\u4e8e\u7b7e\u540d\u9a8c\u8bc1\u3002<\/li>\n<\/ol>\n<p>7 .2\u6a21\u62df\u5668\u5de5\u5177\u94fe<\/p>\n<p>\u5b98\u65b9\u63d0\u4f9b\u7684<code>NPCI Sandbox App<\/code>\u53ef\u5728\u5e94\u7528\u5546\u5e97\u4e0b\u8f7d\uff0c\u5176\u529f\u80fd\u5305\u62ec:<\/p>\n<p><em>\u6a21\u62df\u4efb\u610f\u6210\u529f\/\u5931\u8d25\u4ea4\u6613\u573a\u666f<\/em><br \/>\n<em>\u81ea\u5b9a\u4e49\u7f51\u7edc\u5ef6\u8fdf\u548c\u8d85\u65f6<\/em><br \/>\n<em>\u751f\u6210\u5b8c\u6574\u7684\u5ba1\u8ba1\u65e5\u5fd7\u4f9b\u5408\u89c4\u68c0\u67e5<\/em><\/p>\n<p>\u516b\uff0e\u7248\u672c\u7ba1\u7406\u4e0e\u8fc1\u79fb\u7b56\u7565<\/p>\n<p>8 .1\u5f53\u524d\u6d3b\u8dc3\u7248\u672c\u652f\u6301\u60c5\u51b5<\/p>\n<pre><code>v3.x (\u4e3b\u6d41\u652f\u6301\uff0c\u81f32025\u5e7412\u6708)\r\n\u251c\u2500\u2500 UPI Collect: \u2705 \r\n\u251c\u2500\u2500 UPI Intent: \u2705 \r\n\u2514\u2500\u2500 RuPay EMV: \u2705 \r\n\r\nv2.x (\u5df2\u5f03\u7528\u7ef4\u62a4\u6a21\u5f0f)\r\n\u2514--\u505c\u6b62\u65b0\u5546\u6237\u63a5\u5165--\r\n<\/code><\/pre>\n<p>\u6240\u6709API\u53d8\u66f4\u5c06\u901a\u8fc7<a href=\"https:\/\/docs.npci.org.in\/changelog\">\u5b98\u65b9\u53d8\u66f4\u65e5\u5fd7<\/a>\u63d0\u524d6\u4e2a\u6708\u516c\u544a\u3002<\/p>\n<p>8 \uff0e\uff12\u5411\u540e\u517c\u5bb9\u6027\u4fdd\u8bc1<\/p>\n<p>NPCI\u627f\u8bfa\u5bf9\u4e8e\u5df2\u6807\u8bb0\u4e3a\u201cdeprecated\u201d\u7684\u53c2\u6570\u4fdd\u6301\u81f3\u5c11\u4e24\u4e2a\u4e3b\u7248\u672c\u7684\u517c\u5bb9\u7a97\u53e3\u671f\u3002\u91cd\u8981\u901a\u77e5\u5c06\u901a\u8fc7\u6ce8\u518c\u90ae\u7bb1\u53ca\u5546\u6237\u9762\u677f\u6a2a\u5e45\u540c\u6b65\u63a8\u9001\u3002<\/p>\n<p>\u4e5d\uff0e\u5e38\u89c1\u95ee\u9898\u6392\u67e5\u6e05\u5355(F A Q)<\/p>\n<p><strong>Q\uff11\uff1a\u5982\u4f55\u5904\u7406\u201cBANK_RESPONSE_TIMEOUT\u201d\uff1f<\/strong><\/p>\n<p>A\uff11\uff1a<br \/>\n\u2460\u9996\u5148\u68c0\u67e5[NPCI\u7cfb\u7edf\u72b6\u6001\u9875\u9762]\u786e\u8ba4\u662f\u5426\u4e3a\u533a\u57df\u6027\u6545\u969c\uff1b<br \/>\n\u2461\u82e5\u4e2a\u522b\u7528\u6237\u9047\u5230\u6b64\u95ee\u9898\uff0c\u5f15\u5bfc\u5176\u5207\u6362\u4ed8\u6b3e\u65b9\u5f0f\u6216\u7a0d\u540e\u91cd\u8bd5\uff1b<br \/>\n\u2462\u8bb0\u5f55\u5b8c\u6574\u4f1a\u8bddID\u5e76\u63d0\u4ea4\u7ed9\u6280\u672f\u652f\u6301\u56e2\u961f\u8fdb\u884c\u94fe\u8def\u8ffd\u8e2a\uff1b<\/p>\n<p><strong>Q\uff12\uff1a\u201cINVALID_VPA_FORMAT\u201d\u7684\u53ef\u80fd\u539f\u56e0\uff1f<\/strong><\/p>\n<p>A\uff12\uff1a<br \/>\n\u2460\u68c0\u67e5\u662f\u5426\u5305\u542b\u7a7a\u683c\u6216\u7279\u6b8a\u5b57\u7b26\uff1b<br \/>\n\u2461\u9a8c\u8bc1\u94f6\u884c\u540e\u7f00\u662f\u5426\u6b63\u786e\uff08\u5982@oksbi vs @sbi\uff09\uff1b<br \/>\n\u2462\u901a\u8fc7\u516c\u5f00\u7684VPA\u6821\u9a8c\u5de5\u5177\u9884\u5148\u9a8c\u8bc1\u683c\u5f0f\uff1b<\/p>\n<p><strong>Q\uff13\uff1a\u7ed3\u7b97\u5468\u671f\u548c\u624b\u7eed\u8d39\u5982\u4f55\u8ba1\u7b97\uff1f<\/strong><\/p>\n<p>A\uff13\uff1a<br \/>\n\u2460UPI\u4e2a\u4eba\u95f4\u8f6c\u8d26\u76ee\u524d\u96f6\u624b\u7eed\u8d39\uff1b\u5546\u4e1a\u6536\u6b3e\u8d39\u7387\u901a\u5e38\u4e3a0\uff0e3%-0<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u539f\u751f\u652f\u4ed8API\u63a5\u53e3\u6587\u6863\u8bf4\u660e\uff1a\u96c6\u6210\u6307\u5357\u4e0e\u6700\u4f73\u5b9e\u8df5 \u5f15\u8a00\uff1a\u5370&hellip;<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-4512","post","type-post","status-publish","format-standard","hentry","category-7"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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\/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2026\/02\/05\/\u5370\u5ea6\u539f\u751f\u652f\u4ed8-api-\u63a5\u53e3\u6587\u6863\u8bf4\u660e\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-05T06:24:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts11.mm.bing.net\/th?q=phonepe10\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" 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