android – Third social gathering fee integration

UPI Fee Fails with “Restrict Exceeded” for Small Quantities (₹2–₹100)

I’ve carried out a third-party UPI fee circulate in my Flutter app, however funds are failing with a “Restrict Exceeded” error even for very small quantities.

Present Stream

1. Person scans a QR code

2. QR knowledge is parsed efficiently

3. Fee particulars display reveals:

   • Receiver title

   • UPI ID

   • Service provider data

4. Person enters quantity (or it is prefilled)

5. Person faucets Pay

6. UPI app (Google Pay / PhonePe / Paytm) opens

7. Particulars are prefilled appropriately

8. Person enters UPI PIN

9. Fee fails with “Restrict Exceeded”

Downside

The error happens even for small quantities like:

So that is seemingly not an precise restrict subject.

Implementation (Related Code)

closing String rawPayload =
    'upi://pay?pa=$upiId&pn=$title$amountStr&tn=$observe&cu=INR';

closing Uri gpayIntentUri = Uri.parse(
  'intent://pay?$rawPayload#Intent;scheme=upi;bundle=com.google.android.apps.nbu.paisa;finish'
);

Observations

• I’m wrapping the UPI URI inside a Google Pay intent

• I additionally use a fallback for PhonePe

• For private funds, I typically take away parameters like am, tr, and many others.

Questions

1. Is my UPI intent format incorrect?

2. Can wrapping upi://pay inside intent://pay trigger points?

3. Might this error be attributable to:

4. Is there a distinction in dealing with:

Anticipated Final result

Funds ought to succeed for small quantities throughout all UPI apps.

What I Want

• Root explanation for false “Restrict Exceeded”

• Appropriate solution to construct UPI intent

• Any fixes required in parameters or circulate