Standard Checkout — Corporate Netbanking, Paylink & Recurring Cards
PhonePe's Standard Checkout is a revenue-critical surface handling millions of transactions daily. I own multiple payment flows end-to-end — from UI architecture through integration with payments, backend, and compliance teams. Each flow touches sensitive financial data, requiring precision across tokenization, PCI scope, and regulatory constraints.
Recurring Card Payments powers subscription and mandate-based charges on PhonePe's checkout. The RBI tokenization mandate requires all stored card data to be replaced with tokens issued by card networks — adding significant compliance complexity to what would otherwise be a standard recurring payment UI. I am leading the frontend, coordinating across payments, backend, and compliance teams.
- Designing the token registration flow — card entry, network token issuance, and secure storage handoff to the backend.
- Building the mandate setup UI — frequency, amount cap, start date, and customer consent capture as per RBI guidelines.
- Implementing the token presentment flow for subsequent charges — displaying masked card + network token to the user for confirmation.
- Navigating PCI DSS scope boundaries — ensuring no raw PAN data touches the frontend at any point in the flow.
- Coordinating with the payments team on tokenization API contracts and with compliance on consent language and audit requirements.
- Building failure recovery for token expiry, mandate pause/cancel, and charge decline scenarios.
Paylink lets merchants generate shareable payment links from the PhonePe dashboard and send them to customers via any channel — WhatsApp, SMS, email. The customer opens the link and completes payment without needing a POS or integrated checkout. I owned the entire merchant-facing creation flow and the customer-facing payment surface.
- Built the merchant link-creation form — configurable amount, expiry, description, and accepted payment methods (UPI, card, netbanking).
- Implemented link lifecycle management: active, expired, paid, and cancelled states with real-time status polling.
- Built the customer-facing payment page served from the link — handles all payment method flows within a lightweight, fast-loading surface.
- Added copy-to-clipboard and deep-link sharing utilities for WhatsApp, SMS, and email with pre-filled message templates.
- Handled edge cases: link opened after expiry, already-paid link, partial payment attempt, and concurrent payment attempts on the same link.
- Integrated with the merchant dashboard to surface link analytics — views, clicks, conversion, and payment status.
Corporate Netbanking enables businesses to pay directly from their corporate bank accounts at checkout. It sits inside PhonePe's Standard Checkout surface and handles the full bank authentication lifecycle — from bank selection through OTP verification to transaction confirmation — across all major corporate banks in India.
- Built the bank selection UI with search, categorisation, and fallback for unsupported banks.
- Implemented OTP flow with countdown timer, resend logic, and graceful handling of bank-side timeouts.
- Managed session continuity across OTP screens — preserving checkout state through redirects and back-navigation.
- Built error recovery paths for declined transactions, session expiry, and network failures with clear user-facing messaging.
- Tested cross-bank compatibility across all major corporate banking portals to ensure consistent behaviour.
- Integrated with PhonePe's shared checkout primitives for form fields, loaders, and status screens.
- → Both Corporate Netbanking and Paylink are live in production serving real merchant transactions.
- → Recurring Card Payments initiative in progress — navigating complex cross-team dependencies and regulatory requirements.
- → Checkout primitives adopted across the team, reducing duplication and accelerating future flow development.