Payment Method Error Parameters

There are certain error codes specific for each payment method supported by Razorpay. To understand the errors and their reasons, it is recommended to know the source (stakeholders) and the steps involved in the payment flows:

Cards

The payment flow for Card payments is illustrated below.

The possible values for the source parameter for cards are listed below:

customer
business
internal
gateway
issuer_bank

UPI

UPI payments can be made using the following:

Intent Flow

The payment flow for UPI Intent payments is illustrated below.

The possible values for the source parameter for both collect and intent flows in UPI are as follows:

customer
business
internal
customer_psp
gateway
network
issuer_bank
beneficiary_bank

Collect Flow

The payment flow for UPI Collect payments is illustrated below.

The possible values for the source parameter for both collect and intent flows in UPI are as follows:

customer
business
internal
customer_psp
gateway
network
issuer_bank
beneficiary_bank

UPI Collect Flow Deprecated

According to NPCI guidelines, the UPI Collect flow is being deprecated effective 28 February 2026. Customers can no longer make payments or register UPI mandates by manually entering VPA/UPI id/mobile numbers.

Exemptions: UPI Collect will continue to be supported for:

MCC 6012 & 6211 (IPO and secondary market transactions).
iOS mobile app and mobile web transactions.
UPI Mandates (execute/modify/revoke operations only)
eRupi vouchers.
PACB businesses (cross-border/international payments).

Action Required:

If you are a new Razorpay user, use
UPI Intent
.
If you are an existing Razorpay user not covered by exemptions, you must migrate to UPI Intent or UPI QR code to continue accepting UPI payments. For detailed migration steps, refer to the
migration documentation
.

Netbanking

The payment flow for Netbanking payments is illustrated below:

The possible values for the source parameter for netbanking are listed below:

customer
business
internal
issuer_bank

Wallet

The payment flow for Wallet payments is illustrated below:

The possible values for the source parameter for wallet are listed below:

customer
business
internal
issuer

Cardless EMI

The payment flow for Cardless EMI payments is illustrated below:

The possible values for the source parameter for Cardless EMI flow are:

customer
business
internal
network
issuer

Emandate

The possible values for the source parameter for Emandate are listed below:

customer
bank
business
internal
gateway
issuer_bank