Payment fails in Google Pay & PhonePe

[muhsinzyne]

I have been using this plugin successfully for the past 7 months. Recently, I noticed that the same codebase is no longer working. After extensive debugging, I discovered that the issue appears to be similar to making a transaction without the merchant code. Could you please provide assistance or information on any recent compliance updates in Google Pay for app-to-app payment mode? Alternatively, any quick fixes would be greatly appreciated.

Steps to Reproduce:

Open the application.
Navigate to the payment section.
Select Google Pay or PhonePe as the payment method.
Enter the UPI PIN to validate the transaction.
Expected Behavior:
The payment should be successfully processed, and the amount should be debited from the account and credited to the recipient.

Actual Behavior:

Google Pay: After UPI PIN validation, a message is received stating that the money has not been debited from the account, and the recipient bank is not accepting the payment or the limit has been exceeded.
PhonePe: A similar message is received, stating that money is being sent to a blocked UPI and VPA.