React Native PhonePe SDK自定义UPI Open Intent始终返回FAILURE错误排查

问题现象 #

• 集成React-Native PhonePe SDK时，采用自定义UPI Open Intent流程，传入base64编码的请求体和SHA256校验值后，始终返回错误：{"error": "Transaction Interrupted!", "status": "FAILURE"}
• 切换为标准结账流程（用户手动输入UPI ID发起支付）时，所有功能正常
• 使用相同测试凭证，直接调用自定义UPI Intent接口能正常获取重定向URL，但通过SDK调用则报错

代码片段（app.js） #

import PhonePePaymentSDK from 'react-native-phonepe-pg';

PhonePePaymentSDK.init(
  "UAT",
  "PGTESTPAYUAT",
  "F4:1E:2F:64:BA:E6:19:1A:A7:C2:29:6D:5F:5D:2F:0A:29:E8:6E:5B",
  true
).then(result => {
  console.log("sdk intitialisation successfull", result);
}).catch(error => {
  setMessage("error:" + error.message);
})

PhonePePaymentSDK.startPGTransaction(
  "ewogICJtZXJjaGFudElkIjogIlBHVEVTVFBBWVVBVCIsCiAgIm1lcmNoYW50VHJhbnNhY3Rpb25JZCI6ICJ0cmFuc2FjdGlvbl8xMjMiLAogICJtZXJjaGFudFVzZXJJZCI6ICI5MDIyMzI1MCIsCiAgImFtb3VudCI6IDEwMDAsCiAgIm1vYmlsZU51bWJlciI6ICI5OTk5OTk5OTk5IiwKICAiY2FsbGJhY2tVcmwiOiAiaHR0cHM6Ly93ZWJob29rLnNpdGUvY2FsbGJhY2stdXJsIiwKICAicGF5bWVudEluc3RydW1lbnQiOiB7CiAgICAidHlwZSI6ICJVUElfSU5URU5UIiwKICAgICJ0YXJnZXRBcHAiOiAiY29tLnBob25lcGUuYXBwIgogIH0sCiAgImRldmljZUNvbnRleHQiOiB7CiAgICAiZGV2aWNlT1MiOiAiQU5EUk9JRCIKICB9Cn0=", // base64请求体
  "2b5b25e756441323391dd1612810c59f021463bb0082cdf5fe18c9a6f1a5dc21###1", // SHA256校验值
  "/pg/v1/pay",
  { 'Content-Type': 'application/json' },
  "com.phonepe.app",
  "https://webhook.site/callback-url"
).then(a => {
  console.log("tracsaction res", a);
}).catch(error => {
  console.log("trsaction api error", error);
})

请求体示例（解码后） #

{
  "merchantId": "PGTESTPAYUAT",
  "merchantTransactionId": "transaction_123",
  "merchantUserId": "90223250",
  "amount": 1000,
  "mobileNumber": "9999999999",
  "callbackUrl": "https://webhook.site/callback-url",
  "paymentInstrument": {
    "type": "UPI_INTENT",
    "targetApp": "com.phonepe.app"
  },
  "deviceContext": {
    "deviceOS": "ANDROID"
  }
}

测试环境说明 #

使用官方UAT测试凭证（商户ID：PGTESTPAYUAT等）进行测试

内容的提问来源于stack exchange，提问作者Nishanth