UPI intent flow payments are failing from angular web application

I am using UPI intent flow deeplink URL to launch payment intent from web Angular web application. It lets me select payments app, shows merchant`s name, merchants VPA (UPI ID), amount etc. When I click on "Pay" it lets me add UPI PIN but payments fails through all the popular payments apps (Google Pay, PhonePe, PayTM).

Here is the sample deeplink I have tried so far along with various parameters:

upi://pay?pa=my_vpa@hdfcbank&pn=my_business_name&tr=REF99855764&am=100.00&cu=INR&mc=5734&tn=Test%20payment

but the payments always fails with various errors as I mentioned earlier:

• paytm: "payment failed as per upi risk policy to keep your account safe."
• phonepe: "for security reasons, you are not allowed to send money from your bank account for this payment"
• google pay: "you have exceeded bank limit for this payment"

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