UPI Deep Link payment declined

I don't know whether its right place to ask this question or not, rather I don't know where to ask this question.

I am developing an app in flutter , For in app purchase I am trying to implement UPI payment . I also got a few plugins to do so , But when I am testing, I am getting declined my transaction. I am trying to get UPI payments through PhonePe in my app. I don't know what is the exact reason to decline the transaction. Do anyone know about this ? Does it need any special permission or anything else ?

which plugin I am using that showing example transaction successfully.Then where am I going wrong ?

Here is the screenshot of the failed transaction

here is the response I got txnId=YBL02b309a0fff447f6b1d83d7cf1e4e75e&txnRef=test01&Status=Failed&responseCode=01

I got the solution, I was using personal UPI address. It needs a merchant UPI. Without merchant UPI its not possible to get payment through deep-linking. Using merchant UPI its working fine.