Feasibility & Implementation Plan for Direct UPI Subscription-Based Multi-Vendor Model

✅ 1. High-Level Business Model Summary

You want:

✔️ Vendors onboard with your platform (TOGOX)
✔️ Vendors to list products and accept UPI payments directly
✔️ Customers to pay via UPI → funds go straight to the vendor (NO settlement delays)
✔️ Delivery handled by Delivar.in partners
✔️ Vendors to pay a monthly subscription fee of ₹999
✔️ The platform does NOT take transaction commission — just subscription

This is feasible. The key pieces you need are:

• A secure way to store and use vendor UPI IDs

• A mechanism to trigger UPI payment intents dynamically

• Order status triggers for notifying delivery partners

• A subscription billing system

✅ 2. Feasibility: Core Components

🔹 Payment Direct to Vendor via UPI

UPI allows intent-based payments where a mobile app/web page can launch a UPI transaction to a user’s UPI ID.
This means:
✔️ Customer can be directed to pay the vendor’s UPI directly
✔️ No money ever passes through your platform’s bank account
✔️ Vendor gets paid instantly
🔹 You do not need PSP (Payment Service Provider) integration for this — you can use UPI intents.

Example for UPI intent links:

upi://pay?pa=vendor@upi&pn=VendorName&tn=TOGOX+Order+123&am=199.00

This can be triggered from the web or mobile app based on order value.

👉 This is exactly how QR/UPI payments work — the key is dynamic generation.

🧠 Potential Limitation

❗ Platforms like Swiggy/Zomato hold money because they split payouts, refund customers, etc.
Here, since you are doing direct UPI to vendor, features that require platform custody of funds (refunds, split payments like delivery fee share, promotions, refunds) will need careful design or external workflows.

✅ 3. Detailed Implementation Plan

🔹 A) Vendor Onboarding

1. Vendor signs up on TOGOX admin panel

2. Vendor fills:

   • Business Details (GST, address etc.)

   • UPI ID

   • Bank details (for subscription billing and payouts)

3. Validate UPI ID:

   • Send a micro-transaction (₹1) to confirm validity OR

   • Use NPCI UPI API for verification (if available via PSP partner)

📌 Store UPI securely encrypted in your database.

🔹 B) Product Management

1. Vendor adds products, prices, variants, etc.

2. Orders come from customers → linked to vendor

🔹 C) Customer Order + Payment Flow

1. Customer selects food & adds to cart

2. Before checkout, you generate a unique UPI intent link:

   upi://pay?
   pa={vendor_upi}&pn={vendor_name}&am={order_amt}&tn=Order#{order_id}
   

3. Show this as a “Pay Now via UPI” button

4. Customer clicks → UPI app opens → payment

5. After payment, customer should be able to “Confirm Payment”

🚨 Note on Payment Confirmation

UPI DOES NOT automatically notify your server for payments made via intent links.

To confirm payment, you have 3 options:

Option 1 — Manual Confirmation

User uploads the UPI payment screenshot → vendor/admin approves

Not scalable / clunky

Option 2 — Payment Verification via UPI Push or PSP

Use a PSP partner (like Razorpay, Cashfree, PhonePe for Business) that supports:
✔️ UPI QR generation
✔️ Server-side callback of successful payment

Vendor UPI can be onboarded under your platform account and platform can redirect payment to vendor accounts.

This achieves:
✔️ Instant payment confirmation
✔️ Callback URL
✔️ Order auto status update

Most PSPs support reseller flows that let you:

• Onboard vendor UPI

• Generate UPI payment links for vendor

• Receive webhook when payment is successful

This is MUCH more reliable than intent links alone.

🔹 D) Order Acceptance + Kitchen Workflow

1. Vendor receives “New Order”

2. Vendor marks “Accepted”

3. Vendor prepares

4. Vendor clicks “Ready for Pickup”

When marked ready:
➡️ Trigger a webhook/notification to Delivar.in partners

• Could be via SMS, WhatsApp, or platform integration

• You need to push order details + pickup location + ETA

🔹 E) Delivery Assignment

Use your existing delivery partner (Delivar.in) logic:
✔️ Pickup assigned by:

• Geolocation or

• Manual assignment
  ✔️ Delivery partner confirms pickup
  ✔️ Delivery completes & status updated

🔹 F) Subscription Billing (₹999 per month)

You need recurring billing for vendors:

Options:
✔️ Use PSP recurring billing (Razorpay / Stripe / Cashfree)
✔️ Auto debit using UPI AutoPay mandate (very powerful)

Flow:

1. Vendor accepts subscription

2. You send a UPI AutoPay mandate request

3. Customer authorizes AutoPay (UPI)

4. Your system gets a webhook on successful payment each month

If subscription fails:
✔️ Remind vendor
✔️ Suspend menu until payment resolves

🔹 G) Admin Dashboard

You need admin views for:
✔️ Subscription due / active / expired
✔️ Vendor UPI check status
✔️ Order tracking & status
✔️ Delivery status
✔️ Payment success verification

⚠️ Important Operational & Compliance Notes

🔹 1) Refunds

Since vendor gets paid directly:

• If customer needs a refund → vendor must refund customer directly via UPI

• You may need policies or escrow for dispute handling

🔹 2) Legal / T&C

Clearly state in terms:

• Payments go directly to vendors

• You are not a financial custodian

• Refunds handled by vendor

🔹 3) UPI Limits

Standard UPI limits apply (₹1 Lakh per transaction)
Ensure your app follows NPCI rules.

🧱 Blueprint: System Architecture

Customer App (Web/Mobile)
     |
Order + UPI Intent/PSP Payment Link
     |
Vendor UPI (Direct Payment)
     |
Webhook to Platform (via PSP)
     |
Order Status Updated
     |
Pickup Notification to Delivery Partners
     |
Delivery Completed
     |
Subscription Billing (UPI AutoPay / PSP)

📌 Recommended Tech for Implementation

🚀 Next Steps (Checklist)

✅ Tech

✔️ Choose PSP partner
✔️ Integrate UPI payment with callbacks
✔️ Build vendor subscription with UPI AutoPay
✔️ Build order + delivery status flows

✅ Business

✔️ Create vendor onboarding flow
✔️ Setup refund & dispute policy
✔️ Train vendors in UPI + order acceptance

🟢 Summary: Yes, It Can Be Done

You can implement a direct UPI payment model while:
✔️ Eliminating settlement delays
✔️ Charging a fixed monthly subscription
✔️ Automating subscription billing
✔️ Handling delivery separately