VPA Chargeback Check

curl --request POST \
  --url https://api.example.com/api/v1/vpa-chargeback-check \
  --header 'Content-Type: application/json' \
  --data '
{
  "vpas": [
    "<string>"
  ],
  "async": true
}
'

import requests

url = "https://api.example.com/api/v1/vpa-chargeback-check"

payload = {
    "vpas": ["<string>"],
    "async": True
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: JSON.stringify({vpas: ['<string>'], async: true})
};

fetch('https://api.example.com/api/v1/vpa-chargeback-check', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.example.com/api/v1/vpa-chargeback-check",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'vpas' => [
        '<string>'
    ],
    'async' => true
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.example.com/api/v1/vpa-chargeback-check"

	payload := strings.NewReader("{\n  \"vpas\": [\n    \"<string>\"\n  ],\n  \"async\": true\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.example.com/api/v1/vpa-chargeback-check")
  .header("Content-Type", "application/json")
  .body("{\n  \"vpas\": [\n    \"<string>\"\n  ],\n  \"async\": true\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.example.com/api/v1/vpa-chargeback-check")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Content-Type"] = 'application/json'
request.body = "{\n  \"vpas\": [\n    \"<string>\"\n  ],\n  \"async\": true\n}"

response = http.request(request)
puts response.read_body

POST

api

vpa-chargeback-check

VPA Chargeback Check

curl --request POST \
  --url https://api.example.com/api/v1/vpa-chargeback-check \
  --header 'Content-Type: application/json' \
  --data '
{
  "vpas": [
    "<string>"
  ],
  "async": true
}
'

import requests

url = "https://api.example.com/api/v1/vpa-chargeback-check"

payload = {
    "vpas": ["<string>"],
    "async": True
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: JSON.stringify({vpas: ['<string>'], async: true})
};

fetch('https://api.example.com/api/v1/vpa-chargeback-check', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.example.com/api/v1/vpa-chargeback-check",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'vpas' => [
        '<string>'
    ],
    'async' => true
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.example.com/api/v1/vpa-chargeback-check"

	payload := strings.NewReader("{\n  \"vpas\": [\n    \"<string>\"\n  ],\n  \"async\": true\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.example.com/api/v1/vpa-chargeback-check")
  .header("Content-Type", "application/json")
  .body("{\n  \"vpas\": [\n    \"<string>\"\n  ],\n  \"async\": true\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.example.com/api/v1/vpa-chargeback-check")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Content-Type"] = 'application/json'
request.body = "{\n  \"vpas\": [\n    \"<string>\"\n  ],\n  \"async\": true\n}"

response = http.request(request)
puts response.read_body

VPA Chargeback Check

Check VPA (Virtual Payment Address) against a comprehensive blocklist of flagged accounts. Identify potentially fraudulent UPI addresses before processing transactions.

Overview

This endpoint helps businesses:

Screen VPAs against known fraud blocklists
Prevent transactions with flagged accounts
Reduce chargeback rates
Protect against UPI fraud

Request

vpas

string[]

required

Array of VPAs to check against the blocklist. Maximum 100 VPAs per request.Format: username@bank (e.g., user@upi, 9876543210@paytm)

async

boolean

default:"true"

If true (default), request is queued and result delivered via webhook. If false, wait for result synchronously (up to 30 seconds).

Headers

Header	Value	Required
`X-API-Key`	Your API key	Yes
`Content-Type`	`application/json`	Yes

Example Request (Async Mode - Default)

curl -X POST "https://api.txncheck.in/api/v1/vpa-chargeback-check" \
  -H "X-API-Key: fb_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "vpas": ["user@upi", "9876543210@paytm"]
  }'

import requests

response = requests.post(
    "https://api.txncheck.in/api/v1/vpa-chargeback-check",
    headers={
        "X-API-Key": "fb_your_api_key_here",
        "Content-Type": "application/json"
    },
    json={
        "vpas": ["user@upi", "9876543210@paytm"]
    }
)
print(response.json())

const axios = require('axios');

const response = await axios.post(
  'https://api.txncheck.in/api/v1/vpa-chargeback-check',
  { vpas: ['user@upi', '9876543210@paytm'] },
  {
    headers: {
      'X-API-Key': 'fb_your_api_key_here',
      'Content-Type': 'application/json'
    }
  }
);
console.log(response.data);

<?php
$ch = curl_init("https://api.txncheck.in/api/v1/vpa-chargeback-check");
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, [
    "X-API-Key: fb_your_api_key_here",
    "Content-Type: application/json"
]);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode([
    "vpas" => ["user@upi", "9876543210@paytm"]
]));
$response = curl_exec($ch);
curl_close($ch);
echo $response;

payload := map[string][]string{
    "vpas": {"user@upi", "9876543210@paytm"},
}
body, _ := json.Marshal(payload)

req, _ := http.NewRequest("POST", "https://api.txncheck.in/api/v1/vpa-chargeback-check", bytes.NewBuffer(body))
req.Header.Set("X-API-Key", "fb_your_api_key_here")
req.Header.Set("Content-Type", "application/json")

client := &http.Client{}
resp, _ := client.Do(req)

Example Request (Sync Mode)

curl -X POST "https://api.txncheck.in/api/v1/vpa-chargeback-check" \
  -H "X-API-Key: fb_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "vpas": ["user@upi", "9876543210@paytm"],
    "async": false
  }'

const axios = require('axios');

const response = await axios.post(
  'https://api.txncheck.in/api/v1/vpa-chargeback-check',
  { vpas: ['user@upi', '9876543210@paytm'], async: false },
  {
    headers: {
      'X-API-Key': 'fb_your_api_key_here',
      'Content-Type': 'application/json'
    }
  }
);
console.log(response.data);

Response

Async Mode (202)
Sync Mode (200)

202 Accepted

Request accepted and queued for processing.

{
  "statusCode": 202,
  "message": "Request accepted and queued for processing",
  "requestId": "550e8400-e29b-41d4-a716-446655440000",
  "status": "QUEUED"
}

Result Data (via webhook or polling)

{
  "requestId": "550e8400-e29b-41d4-a716-446655440000",
  "method": "vpa-chargeback-check",
  "status": "COMPLETED",
  "result": {
    "blocklisted": [
      { "vpa": "user@upi", "isBlocklisted": true, "source": "provider" }
    ],
    "clean": [
      { "vpa": "9876543210@paytm", "isBlocklisted": false }
    ],
    "summary": { "total": 2, "blocklisted": 1, "clean": 1 }
  },
  "webhookStatus": "SENT",
  "createdAt": "2025-01-11T10:30:00.000Z",
  "completedAt": "2025-01-11T10:30:05.000Z"
}

200 OK

Request completed synchronously with result in response.

{
  "statusCode": 200,
  "requestId": "550e8400-e29b-41d4-a716-446655440000",
  "method": "vpa-chargeback-check",
  "status": "COMPLETED",
  "result": {
    "blocklisted": [
      { "vpa": "user@upi", "isBlocklisted": true, "source": "provider" }
    ],
    "clean": [
      { "vpa": "9876543210@paytm", "isBlocklisted": false }
    ],
    "summary": { "total": 2, "blocklisted": 1, "clean": 1 }
  },
  "createdAt": "2025-01-11T10:30:00.000Z",
  "completedAt": "2025-01-11T10:30:05.000Z"
}

Sync mode has a 30-second timeout. Use async mode for large VPA lists.

Result Fields

Field	Type	Description
`blocklisted`	array	VPAs found in the blocklist
`blocklisted[].vpa`	string	The VPA address
`blocklisted[].isBlocklisted`	boolean	Always `true` for blocklisted VPAs
`blocklisted[].source`	string	Source of blocklist entry
`clean`	array	VPAs not found in the blocklist
`clean[].vpa`	string	The VPA address
`clean[].isBlocklisted`	boolean	Always `false` for clean VPAs
`summary.total`	number	Total VPAs checked
`summary.blocklisted`	number	Count of blocklisted VPAs
`summary.clean`	number	Count of clean VPAs

Error Responses

400 Bad Request

Invalid VPA format or array size.

{
  "statusCode": 400,
  "message": ["Each VPA must be in format username@bank (e.g., user@upi)"],
  "error": "Bad Request"
}

{
  "statusCode": 400,
  "message": ["Maximum 100 VPAs allowed per request"],
  "error": "Bad Request"
}

401 Unauthorized

Invalid or missing API key.

{
  "statusCode": 401,
  "message": "Invalid API key",
  "error": "Unauthorized"
}

402 Payment Required

Insufficient account balance.

{
  "statusCode": 402,
  "message": "Insufficient wallet balance",
  "error": "Payment Required"
}

403 Forbidden

Method not enabled for your account.

{
  "statusCode": 403,
  "message": "Access to method 'vpa-chargeback-check' is not allowed",
  "error": "Forbidden"
}

408 Request Timeout (Sync Mode Only)

Request processing timed out.

{
  "statusCode": 408,
  "message": "Request processing timed out after 30 seconds",
  "error": "Request Timeout"
}

429 Too Many Requests

Rate limit exceeded.

{
  "statusCode": 429,
  "message": "Too Many Requests",
  "error": "Too Many Requests"
}

Use Cases

Pre-Transaction Screening

Check the recipient’s VPA before processing a payment to avoid sending money to fraudulent accounts.

Risk Assessment

Include blocklist status in your risk scoring model for transaction approval decisions.

Chargeback Prevention

Prevent chargebacks by blocking transactions to known fraudulent VPAs.

Batch Screening

Screen multiple VPAs in a single request for efficient bulk processing.

For checking more than 100 VPAs, use the Bulk VPA Check endpoint or make multiple requests.

KYC by Mobile Full Check

​VPA Chargeback Check

​Overview

​Request

​Headers

​Example Request (Async Mode - Default)

​Example Request (Sync Mode)

​Response

​202 Accepted

​Result Data (via webhook or polling)

​200 OK

​Result Fields

​Error Responses

​400 Bad Request

​401 Unauthorized

​402 Payment Required

​403 Forbidden

​408 Request Timeout (Sync Mode Only)

​429 Too Many Requests

​Use Cases

VPA Chargeback Check

Overview

Request

Headers

Example Request (Async Mode - Default)

Example Request (Sync Mode)

Response

202 Accepted

Result Data (via webhook or polling)

200 OK

Result Fields

Error Responses

400 Bad Request

401 Unauthorized

402 Payment Required

403 Forbidden

408 Request Timeout (Sync Mode Only)

429 Too Many Requests

Use Cases