Indian Payment Channel Solution for Telegram Bots

Main payment options

1. UPI (Unified Payment Interface)

   • Most Popular Native Indian Payment Methods
   • Support instant inter-bank transfers
   • It can be integrated in the following ways:
     • Razorpay UPI
     • Paytm Payment Gateway
     • PhonePe for Business

2. digital wallet

   • Paytm Wallet
   • PhonePe Wallet
   • MobiKwik

3. Credit/debit cards

   • Visa/Mastercard/RuPay Network Support
   • Subject to RBI's additional factor authentication requirements (FA)

4. online bank

   • IMPS/NEFT/RTGS and other traditional bank transfer methods

Telegram Robotics Integration Programme

A. API gateway solutions

1. Razorpay:

    import razorpay
   
    
   
    client = razorpay.Client(auth=("YOUR_KEY_ID", "YOUR_KEY_SECRET"))
   
    
   
    payment = client.order.create({
   
        "amount": amount_in_paise, 
   
        "currency": "INR".
   
        "payment_capture": True,
   
        # Telegram user identification parameter...
   
    })
   
   

2. Paytm Payments:
   Full SDK and API documentation is provided, suitable for processing large numbers of small transactions.

3. Instamojo:
   Easy-to-use API, especially for small developers.

B. Webhook processing flow proposal

User initiates request → Telegram bot → 

Generate a payment link (with unique ID) → 

User completes payment → 

Gateway callbacks to your server →

Verify and update order status →

Notify users of results via Telegram

Compliance Requirements Considerations

• RBI has special rules for auto-renewal subscriptions (PPM rules)
• DPSS Licence Requirements (may be required depending on transaction volume)
• GST Tax Calculation and Invoice Generation Obligations (after thresholds are exceeded)
• PCI DSS Data Security Standard Compliance

In-depth implementation details of the India Payment Gateway programme

C. Best practices in technology implementation

1. Multi-gateway redundancy design

   # Example: Multi-Payment Gateway Failover Logic
   
   def create_payment(order).
   
       try.
   
           return razorpay_create(order)
   
       except RazorpayError.
   
           try. 
   
               return paytm_create(order)
   
           except PaytmError.
   
               return instamojo_create(order)
   
   

2. Transaction Status Verification Mechanism

   • Dual authentication must be implemented:
     1. Payment Gateway Callback Validation
     2. Active query API final confirmation (prevents intermediate states)

3. Telegram-specific optimisation

   // Example of Inline Keyboard Integration with Payment Links
   
   bot.sendMessage(chatId, 'Please complete payment', {
   
       reply_markup: {
   
           inline_keyboard: [[{
   
               text: "Pay via UPI",
   
               url: payment_link 
   
           }]]
   
       }
   
   });
   
   

D. Key elements of localisation

1. Currency handling norms
   All amounts must be submitted in paisa (paise):
   100 INR = 10000 paise

2. Must-have refund feature
   Subject to RBI's 15-day mandatory refund policy requirements, it is recommended:

Type of refund	SLA time frame	API approach
Regular refunds	5 working days	Instant API
Disputed refunds	Immediate freezing of funds	manual handling

3.User notification templates(The following information needs to be included):

[YourBotName] Payment Receipt  

💰 Amount: ₹150  

📅 Date: DD/MM/YYYYY HH24:MI IST  

🆔 UTR/Reference No.: XXXX1234  

🔗 Dispute URL: [LINK] (required)

FRAUD Preventive Measures (RBI Focused Regulation)

1.Velocity ChecksShould be monitored:

• IP geolocation and bank account region matching
• ⚠️ Anomalous high-frequency trading with the same UPI ID/IP

2.Mandatory Verification:

graph TD.

A[First payment > 5000₹ for new users] --> B[Trigger OTP + last 4 digits of bank card verification].

B --> C{Verify passed?} ;

C --> |Yes| D [trade permitted].

C --> |No| E [automated wind review].

3.special restrictions::

• ✖️ bans cryptocurrency-related transactions (section 269SU of the Finance Act 2023)
• ✖️ prohibits international merchants from receiving direct UPI payments (through PA agents required)

GST Tax Automation Programme

For a referral structure for registered business users:

Payment Gateway → Webhook → 

Tax Engine (calculating CGST+SGST) → 

Generate GST Invoice PDF → 

Automatically sent to the user's mailbox and deposited in the S3 →

Synchronisation of filing data to ClearTax/Tally interface

Special attention needs to be paid to the applicability of Digital Service Tax (DST) on 28% to certain categories of services.

Is there a need to continue to develop the implementation details of a specific link? For example: (i) how to optimise the user experience of UPI Intent Flow; (ii) special handling solutions for cross-border NRIs payments; (iii) technical compliance points for recurring payments, etc.