I have made a website that directly promopts to open UPI apps on user's phone and fills payee details automatically. I used the upi:// url scheme to achieve this.
If you suffix your friend's vpa to upilink.tk (it'll open a payment page for you to pay your friend).
The pay button (a link with href to upi://pay?pa=YourVPA@upi&pn=Receiver&tn=&am=&cu=INR
prompts to open UPI apps and take you to payment page.
However the payment always fails citing weird reasons.
Reason cited in paytm app
In phonepe:
The interesting thing is, if you open the website on a desktop (or in desktop view on mobile) it'll encode the exact same url into a QR code (you can verify that by a QR code scanner) but if you try paying by scanning the qr code in a UPI app, it succeeds.
So my question is why does it fail when the exact same link is in a href tag instead of a qr code? (This exact same thing happens with Mubikwik's mpay.me I guess they're unaware of it)
Note: I'm not providing the UPI addresses I used for testing (for security reasons). If you want to test please use yours or your friends'.
