UPI Testing

Any installed UPI app

GN-003 Not applicable here

Any installed UPI app — With merchant category code

No mc set, so this is the same payload as the plain control.
Why
Profile P03 is defined by mc, and neither your UPI profile nor this run supplies one — so comparing P03 against P01 would be comparing a method against itself and reading the noise as a finding. Set mc on the profile first, or run P01 and know what you measured.
pa — A payment needs a payee address. Nothing can be launched without pa.
You are on a desktop browser, which has no UPI app to open. The URI is still shown and can be copied.
What would unblock it
Open this page on the phone you want to test, or use a QR-scan method (QR group) which is designed for exactly this situation.
Test GN-003

Scan with the phone you want to test.

Advanced details
upi://pay?pa=&tr=LABBEPC3VHM0X7Z&am=2.00&cu=INR
Launch
generic chooser
Scheme
upi://pay
Profile
P03 — P01 + mc
Platform
Android + iOS
Browser
Any browser that follows upi:// links.
Docs
NPCI UPI Linking Specification — upi:// deep link. (npci spec)
Reference
LABBEPC3VHM0X7Z
Registry
1.0.0

THE most important comparison in the catalogue. Several apps switch from a person-to-person flow to a merchant flow when mc appears — changing limits, fees and whether the amount can be edited. P01 against P03 on the same app, same destination, same minute is the controlled experiment that shows it.

Expected

The OS offers the installed UPI apps; the one you pick opens on its payment screen. THE most important comparison in the catalogue. Several apps switch from a person-to-person flow to a merchant flow when mc appears — changing limits, fees and whether the amount can be edited. P01 against P03 on the same app, same destination, same minute is the controlled experiment that shows it.

Limitations

  • This group is the ONLY one that is meaningfully runnable on an iPhone, and even there it depends on an installed app claiming the upi:// scheme.
  • Attribution is to whichever app the operator selected, which must be recorded with the result.

Prerequisites

  • A saved UPI profile.

How the lab runs it

An anchor whose href is upi://pay?… built from P03.