The Finding: Analysis of payment initiation flows reveals a massive conversion divergence. UPI Intent (App-to-App flow) achieves a stellar 92.10% SR (524,565 successes / 569,545 attempts). Conversely, Dynamic QR / Web Push collapses to 72.57% SR (472,924 successes / 651,674 attempts).
Quantified Impact: Dynamic QR represents 49.7% of all transaction attempts but drives 178,750 failed/abandoned transactions and ₹2.7+ Crore in uncollected GMV.
Commercial Action: On mobile web browsers, automatically invoke direct app intent links (PhonePe, GPay, Paytm) instead of displaying a QR code. On desktop web, introduce instant SMS/WhatsApp deep-link pushes to increase completion rates by an estimated +12% to 15%.
Dynamic QR SR
72.57% (-19.5%)
Salvage Potential
+₹1.65 Crore
The Finding: Users exhibit high conversion resilience on impulsive, lower-ticket pricing tiers: Micro Passes (₹1–₹29) hit 93.89% SR, Match Passes (₹30–₹49) hit 90.29% SR, and Tour Passes (₹50–₹99) reach 91.96% SR. However, the Monthly Pass (₹100–₹199) experiences an abrupt drop to 59.92% SR.
Quantified Impact: Out of 397,436 Monthly Pass attempts, 159,296 transactions failed, locking out ₹2.77 Crore in GMV. 86.4% of these failures are driven by Z9 (Insufficient Funds).
Commercial Action: Implement dynamic down-selling: When a user fails a ₹149 Monthly Pass debit with Z9, immediately trigger a fallback offer for a ₹49 Match Pass or ₹79 Weekend Pass on the checkout screen.
Tour Pass SR
91.96% (+32%)
Downsell Uplift
+₹78 Lakhs
The Finding: Yes Bank remitter handles account for 439,237 transactions (33.48% of total merchant volume). However, Yes Bank generates 102,168 failed transactions—representing 43.20% of all payment failures on FanCode. Yes Bank's success rate is only 76.74%, trailing SBI (87.87%), HDFC (86.87%), and ICICI (86.12%) by more than 10 percentage points.
Quantified Impact: Yes Bank represents ₹1.88 Crore in uncollected GMV and experiences heavy timeout spikes (U90 / U28) during major evening cricket broadcasts.
Commercial Action: Configure dynamic routing rules on the Juspay gateway to prompt users with multi-bank VPAs to prefer SBI, HDFC, or ICICI during high-traffic match windows.
SBI / HDFC Avg SR
87.37% (+10.6%)
Failure Share
43.20% (102.1k)
Uncollected GMV
₹1.88 Crore
The Finding: When live match broadcasts start, transaction volume surges 5x within a 15-minute window. In the rush to view the opening ball, 5,992 users failed with ZM (Invalid / Incorrect MPIN) and 1,422 users locked their accounts with Z6 (PIN Tries Exceeded).
Quantified Impact: 7,414 passionate fans were unable to access the match stream, losing ₹43.5 Lakhs in GMV and driving immediate customer support inquiries.
Commercial Action: Introduce biometric UPI authorization (FaceID / Fingerprint UPI authentication where supported by PhonePe/GPay) and send proactive pre-match pass renewal nudges 2 hours before kickoff.
Total Blocked Users
7,414
The Finding: NPCI response code B3 (*"Transaction not permitted to the account: Minor account / Proprietor account / Legal restriction"*) generated 2,812 failed transactions on FanCode UPI 1.0, losing ₹3.83 Lakhs.
Concentration: Just as observed in AutoPay, B3 is a terminal remitter CBS policy lock. Rejections concentrate on PhonePe (1,480 txns / 52.6%) and Paytm (894 txns / 31.8%), primarily across Yes Bank and Axis Bank accounts.
Commercial Action: Detect B3 instantly at gateway callback and present an immediate bank-switch dialogue informing the customer that their bank account type does not permit merchant digital debits.
PhonePe + Paytm
84.4% (2,374)
Terminal Nature
0% Recovery