@rajeev02/payments 0.1.0

package/lib/cards/index.d.ts

@@ -0,0 +1,65 @@
+/**
+ * @rajeev02/payments — Cards & Subscriptions
+ * Card tokenization (RBI compliant), saved cards, recurring billing
+ */
+export interface CardInfo {
+    /** Tokenized card reference (never store raw card numbers) */
+    tokenRef: string;
+    /** Last 4 digits for display */
+    last4: string;
+    /** Card network */
+    network: "visa" | "mastercard" | "rupay" | "amex" | "dinersclub";
+    /** Card type */
+    type: "credit" | "debit" | "prepaid";
+    /** Issuing bank name */
+    issuerBank?: string;
+    /** Expiry month */
+    expiryMonth: number;
+    /** Expiry year */
+    expiryYear: number;
+    /** Cardholder name */
+    holderName?: string;
+    /** Whether card supports recurring/mandate */
+    supportsRecurring: boolean;
+}
+export interface SubscriptionPlan {
+    id: string;
+    name: string;
+    description?: string;
+    amount: number;
+    currency: string;
+    interval: "daily" | "weekly" | "monthly" | "quarterly" | "yearly";
+    intervalCount: number;
+    trialDays?: number;
+    features?: string[];
+}
+export interface Subscription {
+    id: string;
+    planId: string;
+    customerId: string;
+    status: "active" | "paused" | "cancelled" | "past_due" | "trialing" | "expired";
+    currentPeriodStart: string;
+    currentPeriodEnd: string;
+    cancelledAt?: string;
+    paymentMethod: "card" | "upi_mandate" | "emandate";
+    tokenRef?: string;
+    nextBillingDate: string;
+    amount: number;
+}
+/**
+ * Detect card network from number prefix (first 6 digits)
+ */
+export declare function detectCardNetwork(cardNumber: string): CardInfo["network"] | null;
+/**
+ * Format card number with spaces: 4111111111111111 → 4111 1111 1111 1111
+ */
+export declare function formatCardNumber(cardNumber: string): string;
+/**
+ * Validate card number using Luhn algorithm
+ */
+export declare function validateCardNumber(cardNumber: string): boolean;
+/**
+ * Calculate subscription renewal dates
+ */
+export declare function getNextBillingDate(plan: SubscriptionPlan, currentDate?: Date): Date;
+//# sourceMappingURL=index.d.ts.map

package/lib/cards/index.d.ts.map

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package/lib/cards/index.js

@@ -0,0 +1,83 @@
+"use strict";
+/**
+ * @rajeev02/payments — Cards & Subscriptions
+ * Card tokenization (RBI compliant), saved cards, recurring billing
+ */
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.detectCardNetwork = detectCardNetwork;
+exports.formatCardNumber = formatCardNumber;
+exports.validateCardNumber = validateCardNumber;
+exports.getNextBillingDate = getNextBillingDate;
+/**
+ * Detect card network from number prefix (first 6 digits)
+ */
+function detectCardNetwork(cardNumber) {
+    const digits = cardNumber.replace(/\s/g, "");
+    if (digits.startsWith("4"))
+        return "visa";
+    if (/^5[1-5]/.test(digits) || /^2[2-7]/.test(digits))
+        return "mastercard";
+    if (/^6(0|5|52[12]|53[89]|5[4-9]|[6-9])/.test(digits))
+        return "rupay";
+    if (/^3[47]/.test(digits))
+        return "amex";
+    if (/^3(0[0-5]|[68])/.test(digits))
+        return "dinersclub";
+    return null;
+}
+/**
+ * Format card number with spaces: 4111111111111111 → 4111 1111 1111 1111
+ */
+function formatCardNumber(cardNumber) {
+    const digits = cardNumber.replace(/\D/g, "");
+    if (detectCardNetwork(digits) === "amex") {
+        return digits.replace(/(\d{4})(\d{6})(\d{5})/, "$1 $2 $3");
+    }
+    return digits.replace(/(\d{4})/g, "$1 ").trim();
+}
+/**
+ * Validate card number using Luhn algorithm
+ */
+function validateCardNumber(cardNumber) {
+    const digits = cardNumber.replace(/\D/g, "");
+    if (digits.length < 13 || digits.length > 19)
+        return false;
+    let sum = 0;
+    let isEven = false;
+    for (let i = digits.length - 1; i >= 0; i--) {
+        let d = parseInt(digits[i], 10);
+        if (isEven) {
+            d *= 2;
+            if (d > 9)
+                d -= 9;
+        }
+        sum += d;
+        isEven = !isEven;
+    }
+    return sum % 10 === 0;
+}
+/**
+ * Calculate subscription renewal dates
+ */
+function getNextBillingDate(plan, currentDate = new Date()) {
+    const next = new Date(currentDate);
+    switch (plan.interval) {
+        case "daily":
+            next.setDate(next.getDate() + plan.intervalCount);
+            break;
+        case "weekly":
+            next.setDate(next.getDate() + 7 * plan.intervalCount);
+            break;
+        case "monthly":
+            next.setMonth(next.getMonth() + plan.intervalCount);
+            break;
+        case "quarterly":
+            next.setMonth(next.getMonth() + 3 * plan.intervalCount);
+            break;
+        case "yearly":
+            next.setFullYear(next.getFullYear() + plan.intervalCount);
+            break;
+    }
+    return next;
+}
+//# sourceMappingURL=index.js.map

package/lib/cards/index.js.map

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package/lib/index.d.ts

@@ -0,0 +1,15 @@
+/**
+ * @rajeev02/payments
+ * Payments Abstraction SDK — India focused
+ * UPI, wallets, cards, subscriptions
+ *
+ * @author Rajeev Kumar Joshi
+ * @license MIT
+ */
+export { generateUpiUri, generateUpiQrData, validateVpa, getPspName, UPI_PSP_HANDLES, } from "./upi";
+export type { UpiConfig, UpiPaymentRequest, UpiPaymentResult, UpiMandateRequest, } from "./upi";
+export { WalletManager } from "./wallet";
+export type { WalletProvider, WalletConfig, WalletPaymentRequest, WalletPaymentResult, } from "./wallet";
+export { detectCardNetwork, formatCardNumber, validateCardNumber, getNextBillingDate, } from "./cards";
+export type { CardInfo, SubscriptionPlan, Subscription } from "./cards";
+//# sourceMappingURL=index.d.ts.map

package/lib/index.d.ts.map

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package/lib/index.js

@@ -0,0 +1,25 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.getNextBillingDate = exports.validateCardNumber = exports.formatCardNumber = exports.detectCardNetwork = exports.WalletManager = exports.UPI_PSP_HANDLES = exports.getPspName = exports.validateVpa = exports.generateUpiQrData = exports.generateUpiUri = void 0;
+/**
+ * @rajeev02/payments
+ * Payments Abstraction SDK — India focused
+ * UPI, wallets, cards, subscriptions
+ *
+ * @author Rajeev Kumar Joshi
+ * @license MIT
+ */
+var upi_1 = require("./upi");
+Object.defineProperty(exports, "generateUpiUri", { enumerable: true, get: function () { return upi_1.generateUpiUri; } });
+Object.defineProperty(exports, "generateUpiQrData", { enumerable: true, get: function () { return upi_1.generateUpiQrData; } });
+Object.defineProperty(exports, "validateVpa", { enumerable: true, get: function () { return upi_1.validateVpa; } });
+Object.defineProperty(exports, "getPspName", { enumerable: true, get: function () { return upi_1.getPspName; } });
+Object.defineProperty(exports, "UPI_PSP_HANDLES", { enumerable: true, get: function () { return upi_1.UPI_PSP_HANDLES; } });
+var wallet_1 = require("./wallet");
+Object.defineProperty(exports, "WalletManager", { enumerable: true, get: function () { return wallet_1.WalletManager; } });
+var cards_1 = require("./cards");
+Object.defineProperty(exports, "detectCardNetwork", { enumerable: true, get: function () { return cards_1.detectCardNetwork; } });
+Object.defineProperty(exports, "formatCardNumber", { enumerable: true, get: function () { return cards_1.formatCardNumber; } });
+Object.defineProperty(exports, "validateCardNumber", { enumerable: true, get: function () { return cards_1.validateCardNumber; } });
+Object.defineProperty(exports, "getNextBillingDate", { enumerable: true, get: function () { return cards_1.getNextBillingDate; } });
+//# sourceMappingURL=index.js.map

package/lib/index.js.map

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package/lib/upi/index.d.ts

@@ -0,0 +1,69 @@
+/**
+ * @rajeev02/payments — UPI Module
+ * UPI intent, collect request, QR code, autopay mandates
+ */
+export interface UpiConfig {
+    /** Merchant VPA (e.g., merchant@paytm) */
+    merchantVpa: string;
+    /** Merchant name shown in UPI apps */
+    merchantName: string;
+    /** Merchant category code */
+    mcc?: string;
+    /** Transaction reference prefix */
+    txnRefPrefix?: string;
+}
+export interface UpiPaymentRequest {
+    /** Amount in INR (paisa precision) */
+    amount: number;
+    /** Payment description */
+    note: string;
+    /** Unique transaction reference */
+    txnRef?: string;
+    /** Customer VPA (for collect requests) */
+    customerVpa?: string;
+    /** Order ID from your backend */
+    orderId: string;
+}
+export interface UpiPaymentResult {
+    success: boolean;
+    txnId?: string;
+    txnRef?: string;
+    responseCode?: string;
+    approvalRefNo?: string;
+    status: "success" | "failed" | "pending" | "cancelled";
+    error?: string;
+}
+export interface UpiMandateRequest {
+    /** Customer VPA */
+    customerVpa: string;
+    /** Maximum amount per debit */
+    maxAmount: number;
+    /** Frequency: DAILY, WEEKLY, FORTNIGHTLY, MONTHLY, BIMONTHLY, QUARTERLY, HALFYEARLY, YEARLY */
+    frequency: string;
+    /** Start date (ISO) */
+    startDate: string;
+    /** End date (ISO) */
+    endDate: string;
+    /** Purpose description */
+    purpose: string;
+}
+/**
+ * Generate UPI deep link URI for intent-based payment
+ * Works with all UPI apps (GPay, PhonePe, Paytm, etc.)
+ */
+export declare function generateUpiUri(config: UpiConfig, request: UpiPaymentRequest): string;
+/**
+ * Generate UPI QR code data string
+ */
+export declare function generateUpiQrData(config: UpiConfig, request: UpiPaymentRequest): string;
+/**
+ * Validate a UPI VPA format
+ * Format: username@psp (e.g., rajeev@paytm, user@okicici)
+ */
+export declare function validateVpa(vpa: string): boolean;
+/**
+ * Known UPI PSP handles
+ */
+export declare const UPI_PSP_HANDLES: Record<string, string>;
+export declare function getPspName(vpa: string): string | null;
+//# sourceMappingURL=index.d.ts.map

package/lib/upi/index.d.ts.map

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package/lib/upi/index.js

@@ -0,0 +1,64 @@
+"use strict";
+/**
+ * @rajeev02/payments — UPI Module
+ * UPI intent, collect request, QR code, autopay mandates
+ */
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.UPI_PSP_HANDLES = void 0;
+exports.generateUpiUri = generateUpiUri;
+exports.generateUpiQrData = generateUpiQrData;
+exports.validateVpa = validateVpa;
+exports.getPspName = getPspName;
+/**
+ * Generate UPI deep link URI for intent-based payment
+ * Works with all UPI apps (GPay, PhonePe, Paytm, etc.)
+ */
+function generateUpiUri(config, request) {
+    const txnRef = request.txnRef || `${config.txnRefPrefix || "TXN"}${Date.now()}`;
+    const params = new URLSearchParams({
+        pa: config.merchantVpa,
+        pn: config.merchantName,
+        am: request.amount.toFixed(2),
+        cu: "INR",
+        tn: request.note,
+        tr: txnRef,
+    });
+    if (config.mcc)
+        params.set("mc", config.mcc);
+    if (request.orderId)
+        params.set("tid", request.orderId);
+    return `upi://pay?${params.toString()}`;
+}
+/**
+ * Generate UPI QR code data string
+ */
+function generateUpiQrData(config, request) {
+    return generateUpiUri(config, request);
+}
+/**
+ * Validate a UPI VPA format
+ * Format: username@psp (e.g., rajeev@paytm, user@okicici)
+ */
+function validateVpa(vpa) {
+    return /^[a-zA-Z0-9._-]+@[a-zA-Z0-9]+$/.test(vpa);
+}
+/**
+ * Known UPI PSP handles
+ */
+exports.UPI_PSP_HANDLES = {
+    "@paytm": "Paytm",
+    "@okicici": "Google Pay (ICICI)",
+    "@okhdfcbank": "Google Pay (HDFC)",
+    "@oksbi": "Google Pay (SBI)",
+    "@ybl": "PhonePe (YES Bank)",
+    "@ibl": "PhonePe (ICICI)",
+    "@axl": "PhonePe (Axis)",
+    "@apl": "Amazon Pay",
+    "@freecharge": "Freecharge",
+    "@upi": "BHIM",
+};
+function getPspName(vpa) {
+    const handle = "@" + vpa.split("@")[1];
+    return exports.UPI_PSP_HANDLES[handle] ?? null;
+}
+//# sourceMappingURL=index.js.map

package/lib/upi/index.js.map

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package/lib/wallet/index.d.ts

@@ -0,0 +1,44 @@
+/**
+ * @rajeev02/payments — Wallet Module
+ * Abstraction over PhonePe, Paytm, Amazon Pay, Freecharge wallets
+ */
+export type WalletProvider = "paytm" | "phonepe" | "amazon_pay" | "freecharge" | "mobikwik" | "jio_pay";
+export interface WalletConfig {
+    provider: WalletProvider;
+    merchantId: string;
+    merchantKey?: string;
+    environment: "sandbox" | "production";
+    callbackUrl: string;
+}
+export interface WalletPaymentRequest {
+    orderId: string;
+    amount: number;
+    customerId: string;
+    customerPhone?: string;
+    customerEmail?: string;
+    description?: string;
+}
+export interface WalletPaymentResult {
+    success: boolean;
+    provider: WalletProvider;
+    txnId?: string;
+    orderId: string;
+    status: "success" | "failed" | "pending" | "cancelled";
+    walletBalance?: number;
+    error?: string;
+}
+/**
+ * Wallet Manager — handles payment flow across wallet providers
+ */
+export declare class WalletManager {
+    private configs;
+    /** Register a wallet provider */
+    register(config: WalletConfig): void;
+    /** Get all registered wallet providers */
+    getAvailableWallets(): WalletProvider[];
+    /** Check if a wallet is registered */
+    isAvailable(provider: WalletProvider): boolean;
+    /** Generate checkout URL/payload for a wallet */
+    generateCheckout(provider: WalletProvider, request: WalletPaymentRequest): Record<string, unknown> | null;
+}
+//# sourceMappingURL=index.d.ts.map

package/lib/wallet/index.d.ts.map

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package/lib/wallet/index.js

@@ -0,0 +1,46 @@
+"use strict";
+/**
+ * @rajeev02/payments — Wallet Module
+ * Abstraction over PhonePe, Paytm, Amazon Pay, Freecharge wallets
+ */
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.WalletManager = void 0;
+/**
+ * Wallet Manager — handles payment flow across wallet providers
+ */
+class WalletManager {
+    constructor() {
+        this.configs = new Map();
+    }
+    /** Register a wallet provider */
+    register(config) {
+        this.configs.set(config.provider, config);
+    }
+    /** Get all registered wallet providers */
+    getAvailableWallets() {
+        return Array.from(this.configs.keys());
+    }
+    /** Check if a wallet is registered */
+    isAvailable(provider) {
+        return this.configs.has(provider);
+    }
+    /** Generate checkout URL/payload for a wallet */
+    generateCheckout(provider, request) {
+        const config = this.configs.get(provider);
+        if (!config)
+            return null;
+        return {
+            provider,
+            merchantId: config.merchantId,
+            environment: config.environment,
+            callbackUrl: config.callbackUrl,
+            orderId: request.orderId,
+            amount: request.amount,
+            customerId: request.customerId,
+            phone: request.customerPhone,
+            email: request.customerEmail,
+        };
+    }
+}
+exports.WalletManager = WalletManager;
+//# sourceMappingURL=index.js.map

package/lib/wallet/index.js.map

@@ -0,0 +1 @@
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package/package.json

@@ -0,0 +1,51 @@
+{
+  "name": "@rajeev02/payments",
+  "version": "0.1.0",
+  "description": "Payments Abstraction SDK — UPI, wallets, cards, subscriptions, split payments (India-focused)",
+  "main": "lib/index.js",
+  "author": "Rajeev Kumar Joshi <rajeevjoshi91@gmail.com> (https://rajeev02.github.io)",
+  "license": "MIT",
+  "types": "lib/index.d.ts",
+  "scripts": {
+    "build": "tsc",
+    "clean": "rm -rf lib",
+    "prepublishOnly": "npm run build"
+  },
+  "keywords": [
+    "react-native",
+    "payments",
+    "upi",
+    "wallets",
+    "india"
+  ],
+  "repository": {
+    "type": "git",
+    "url": "https://github.com/Rajeev02/rajeev-sdk",
+    "directory": "packages/payments"
+  },
+  "homepage": "https://github.com/Rajeev02/rajeev-sdk#readme",
+  "bugs": {
+    "url": "https://github.com/Rajeev02/rajeev-sdk/issues"
+  },
+  "files": [
+    "lib/",
+    "src/",
+    "README.md"
+  ],
+  "publishConfig": {
+    "access": "public"
+  },
+  "peerDependencies": {
+    "react": ">=18.3.0",
+    "react-native": ">=0.84.0"
+  },
+  "peerDependenciesMeta": {
+    "react-native": {
+      "optional": true
+    }
+  },
+  "devDependencies": {
+    "@types/react": "^19.0.0",
+    "typescript": "^5.4.0"
+  }
+}

package/src/cards/index.ts

@@ -0,0 +1,132 @@
+/**
+ * @rajeev02/payments — Cards & Subscriptions
+ * Card tokenization (RBI compliant), saved cards, recurring billing
+ */
+
+export interface CardInfo {
+  /** Tokenized card reference (never store raw card numbers) */
+  tokenRef: string;
+  /** Last 4 digits for display */
+  last4: string;
+  /** Card network */
+  network: "visa" | "mastercard" | "rupay" | "amex" | "dinersclub";
+  /** Card type */
+  type: "credit" | "debit" | "prepaid";
+  /** Issuing bank name */
+  issuerBank?: string;
+  /** Expiry month */
+  expiryMonth: number;
+  /** Expiry year */
+  expiryYear: number;
+  /** Cardholder name */
+  holderName?: string;
+  /** Whether card supports recurring/mandate */
+  supportsRecurring: boolean;
+}
+
+export interface SubscriptionPlan {
+  id: string;
+  name: string;
+  description?: string;
+  amount: number;
+  currency: string;
+  interval: "daily" | "weekly" | "monthly" | "quarterly" | "yearly";
+  intervalCount: number;
+  trialDays?: number;
+  features?: string[];
+}
+
+export interface Subscription {
+  id: string;
+  planId: string;
+  customerId: string;
+  status:
+    | "active"
+    | "paused"
+    | "cancelled"
+    | "past_due"
+    | "trialing"
+    | "expired";
+  currentPeriodStart: string;
+  currentPeriodEnd: string;
+  cancelledAt?: string;
+  paymentMethod: "card" | "upi_mandate" | "emandate";
+  tokenRef?: string;
+  nextBillingDate: string;
+  amount: number;
+}
+
+/**
+ * Detect card network from number prefix (first 6 digits)
+ */
+export function detectCardNetwork(
+  cardNumber: string,
+): CardInfo["network"] | null {
+  const digits = cardNumber.replace(/\s/g, "");
+  if (digits.startsWith("4")) return "visa";
+  if (/^5[1-5]/.test(digits) || /^2[2-7]/.test(digits)) return "mastercard";
+  if (/^6(0|5|52[12]|53[89]|5[4-9]|[6-9])/.test(digits)) return "rupay";
+  if (/^3[47]/.test(digits)) return "amex";
+  if (/^3(0[0-5]|[68])/.test(digits)) return "dinersclub";
+  return null;
+}
+
+/**
+ * Format card number with spaces: 4111111111111111 → 4111 1111 1111 1111
+ */
+export function formatCardNumber(cardNumber: string): string {
+  const digits = cardNumber.replace(/\D/g, "");
+  if (detectCardNetwork(digits) === "amex") {
+    return digits.replace(/(\d{4})(\d{6})(\d{5})/, "$1 $2 $3");
+  }
+  return digits.replace(/(\d{4})/g, "$1 ").trim();
+}
+
+/**
+ * Validate card number using Luhn algorithm
+ */
+export function validateCardNumber(cardNumber: string): boolean {
+  const digits = cardNumber.replace(/\D/g, "");
+  if (digits.length < 13 || digits.length > 19) return false;
+
+  let sum = 0;
+  let isEven = false;
+  for (let i = digits.length - 1; i >= 0; i--) {
+    let d = parseInt(digits[i], 10);
+    if (isEven) {
+      d *= 2;
+      if (d > 9) d -= 9;
+    }
+    sum += d;
+    isEven = !isEven;
+  }
+  return sum % 10 === 0;
+}
+
+/**
+ * Calculate subscription renewal dates
+ */
+export function getNextBillingDate(
+  plan: SubscriptionPlan,
+  currentDate: Date = new Date(),
+): Date {
+  const next = new Date(currentDate);
+  switch (plan.interval) {
+    case "daily":
+      next.setDate(next.getDate() + plan.intervalCount);
+      break;
+    case "weekly":
+      next.setDate(next.getDate() + 7 * plan.intervalCount);
+      break;
+    case "monthly":
+      next.setMonth(next.getMonth() + plan.intervalCount);
+      break;
+    case "quarterly":
+      next.setMonth(next.getMonth() + 3 * plan.intervalCount);
+      break;
+    case "yearly":
+      next.setFullYear(next.getFullYear() + plan.intervalCount);
+      break;
+  }
+  return next;
+}

package/src/index.ts

@@ -0,0 +1,37 @@
+/**
+ * @rajeev02/payments
+ * Payments Abstraction SDK — India focused
+ * UPI, wallets, cards, subscriptions
+ *
+ * @author Rajeev Kumar Joshi
+ * @license MIT
+ */
+export {
+  generateUpiUri,
+  generateUpiQrData,
+  validateVpa,
+  getPspName,
+  UPI_PSP_HANDLES,
+} from "./upi";
+export type {
+  UpiConfig,
+  UpiPaymentRequest,
+  UpiPaymentResult,
+  UpiMandateRequest,
+} from "./upi";
+
+export { WalletManager } from "./wallet";
+export type {
+  WalletProvider,
+  WalletConfig,
+  WalletPaymentRequest,
+  WalletPaymentResult,
+} from "./wallet";
+
+export {
+  detectCardNetwork,
+  formatCardNumber,
+  validateCardNumber,
+  getNextBillingDate,
+} from "./cards";
+export type { CardInfo, SubscriptionPlan, Subscription } from "./cards";

package/src/upi/index.ts

@@ -0,0 +1,115 @@
+/**
+ * @rajeev02/payments — UPI Module
+ * UPI intent, collect request, QR code, autopay mandates
+ */
+
+export interface UpiConfig {
+  /** Merchant VPA (e.g., merchant@paytm) */
+  merchantVpa: string;
+  /** Merchant name shown in UPI apps */
+  merchantName: string;
+  /** Merchant category code */
+  mcc?: string;
+  /** Transaction reference prefix */
+  txnRefPrefix?: string;
+}
+
+export interface UpiPaymentRequest {
+  /** Amount in INR (paisa precision) */
+  amount: number;
+  /** Payment description */
+  note: string;
+  /** Unique transaction reference */
+  txnRef?: string;
+  /** Customer VPA (for collect requests) */
+  customerVpa?: string;
+  /** Order ID from your backend */
+  orderId: string;
+}
+
+export interface UpiPaymentResult {
+  success: boolean;
+  txnId?: string;
+  txnRef?: string;
+  responseCode?: string;
+  approvalRefNo?: string;
+  status: "success" | "failed" | "pending" | "cancelled";
+  error?: string;
+}
+
+export interface UpiMandateRequest {
+  /** Customer VPA */
+  customerVpa: string;
+  /** Maximum amount per debit */
+  maxAmount: number;
+  /** Frequency: DAILY, WEEKLY, FORTNIGHTLY, MONTHLY, BIMONTHLY, QUARTERLY, HALFYEARLY, YEARLY */
+  frequency: string;
+  /** Start date (ISO) */
+  startDate: string;
+  /** End date (ISO) */
+  endDate: string;
+  /** Purpose description */
+  purpose: string;
+}
+
+/**
+ * Generate UPI deep link URI for intent-based payment
+ * Works with all UPI apps (GPay, PhonePe, Paytm, etc.)
+ */
+export function generateUpiUri(
+  config: UpiConfig,
+  request: UpiPaymentRequest,
+): string {
+  const txnRef =
+    request.txnRef || `${config.txnRefPrefix || "TXN"}${Date.now()}`;
+  const params = new URLSearchParams({
+    pa: config.merchantVpa,
+    pn: config.merchantName,
+    am: request.amount.toFixed(2),
+    cu: "INR",
+    tn: request.note,
+    tr: txnRef,
+  });
+  if (config.mcc) params.set("mc", config.mcc);
+  if (request.orderId) params.set("tid", request.orderId);
+  return `upi://pay?${params.toString()}`;
+}
+
+/**
+ * Generate UPI QR code data string
+ */
+export function generateUpiQrData(
+  config: UpiConfig,
+  request: UpiPaymentRequest,
+): string {
+  return generateUpiUri(config, request);
+}
+
+/**
+ * Validate a UPI VPA format
+ * Format: username@psp (e.g., rajeev@paytm, user@okicici)
+ */
+export function validateVpa(vpa: string): boolean {
+  return /^[a-zA-Z0-9._-]+@[a-zA-Z0-9]+$/.test(vpa);
+}
+
+/**
+ * Known UPI PSP handles
+ */
+export const UPI_PSP_HANDLES: Record<string, string> = {
+  "@paytm": "Paytm",
+  "@okicici": "Google Pay (ICICI)",
+  "@okhdfcbank": "Google Pay (HDFC)",
+  "@oksbi": "Google Pay (SBI)",
+  "@ybl": "PhonePe (YES Bank)",
+  "@ibl": "PhonePe (ICICI)",
+  "@axl": "PhonePe (Axis)",
+  "@apl": "Amazon Pay",
+  "@freecharge": "Freecharge",
+  "@upi": "BHIM",
+};
+
+export function getPspName(vpa: string): string | null {
+  const handle = "@" + vpa.split("@")[1];
+  return UPI_PSP_HANDLES[handle] ?? null;
+}

package/src/wallet/index.ts

@@ -0,0 +1,82 @@
+/**
+ * @rajeev02/payments — Wallet Module
+ * Abstraction over PhonePe, Paytm, Amazon Pay, Freecharge wallets
+ */
+
+export type WalletProvider =
+  | "paytm"
+  | "phonepe"
+  | "amazon_pay"
+  | "freecharge"
+  | "mobikwik"
+  | "jio_pay";
+
+export interface WalletConfig {
+  provider: WalletProvider;
+  merchantId: string;
+  merchantKey?: string;
+  environment: "sandbox" | "production";
+  callbackUrl: string;
+}
+
+export interface WalletPaymentRequest {
+  orderId: string;
+  amount: number;
+  customerId: string;
+  customerPhone?: string;
+  customerEmail?: string;
+  description?: string;
+}
+
+export interface WalletPaymentResult {
+  success: boolean;
+  provider: WalletProvider;
+  txnId?: string;
+  orderId: string;
+  status: "success" | "failed" | "pending" | "cancelled";
+  walletBalance?: number;
+  error?: string;
+}
+
+/**
+ * Wallet Manager — handles payment flow across wallet providers
+ */
+export class WalletManager {
+  private configs: Map<WalletProvider, WalletConfig> = new Map();
+
+  /** Register a wallet provider */
+  register(config: WalletConfig): void {
+    this.configs.set(config.provider, config);
+  }
+
+  /** Get all registered wallet providers */
+  getAvailableWallets(): WalletProvider[] {
+    return Array.from(this.configs.keys());
+  }
+
+  /** Check if a wallet is registered */
+  isAvailable(provider: WalletProvider): boolean {
+    return this.configs.has(provider);
+  }
+
+  /** Generate checkout URL/payload for a wallet */
+  generateCheckout(
+    provider: WalletProvider,
+    request: WalletPaymentRequest,
+  ): Record<string, unknown> | null {
+    const config = this.configs.get(provider);
+    if (!config) return null;
+
+    return {
+      provider,
+      merchantId: config.merchantId,
+      environment: config.environment,
+      callbackUrl: config.callbackUrl,
+      orderId: request.orderId,
+      amount: request.amount,
+      customerId: request.customerId,
+      phone: request.customerPhone,
+      email: request.customerEmail,
+    };
+  }
+}