Advanced Payment Security Features
Designed from the ground up to prevent malicious payment intent tampering, merchant VPA spoofing, and transaction hijacking.
Payment Intent Masking
Traditional gateway links expose merchant VPA (`merchant@upi`) and order payload directly in URI. Jioflow encrypts the payload using single-use session tokens.
- Single-use dynamic session hash
- Automatic expiry after 10 minutes
- Zero browser address bar VPA leakage
Dynamic Amount-Locked QR
Generates a unique QR code for every checkout session with exact transaction amount enforcement. Customers cannot edit payable amounts in apps.
- Amount modification prevention
- Real-time WebSocket / polling status sync
- High resolution vector QR rendering
1-Tap App Deep Linking
Auto-detects iOS & Android UPI apps for direct 1-tap app switching, reducing drop-offs by 40%.
Signed Webhooks
Every payment status update includes an `X-Jioflow-Signature` header computed with HMAC-SHA256.
Direct Settlement
Funds settle directly into your linked bank account via instant IMPS / NEFT protocols without delay.