Payments

Payment Gateway

React Native Integration

Custom

Additional Features

Additional Support for Payment Methods

Additional support features available for Cards, Netbanking, Wallets and more.

Use the Razorpay React Native Custom UI SDK to integrate supported payment methods on the Checkout form of your app as per your business requirements.

Handy Tips

Ensure you have called Razorpay.initRazorpay(key) in your build integration before using any of the methods on this page. Know more about

initializing the SDK

.

Fetch Payment Methods

Use the

Fetch Payment Methods API

to fetch the payment methods available for your account.

Razorpay.getPaymentMethods().then(paymentMethods => {
  console.log(paymentMethods);
});

The response includes the list of enabled payment methods, available banks for netbanking, and EMI plans for eligible cards.

Below are the sample payloads for each payment method.

Debit and Credit Card

For card payments, specify method as card and pass the card details as shown below:

Razorpay.open({
  description: 'Credits towards consultation',
  currency: 'INR',
  key_id: '<YOUR_KEY_ID>',
  amount: '5000',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'card',
  card: {
    number: '4386289407660153',
    name: 'Gaurav Kumar',
    expiry_month: '10',
    expiry_year: '30',
    cvv: '566'
  }
}).then((data) => {
  // handle success
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  // handle failure
  alert(`Error: ${error.code} | ${error.description}`);
});

EMI on Credit and Debit Cards

For EMI payments, specify method as emi and include the emi_duration field corresponding to the number of months for the EMI plan selected by the customer.

Razorpay.open({
  description: 'Credits towards consultation',
  currency: 'INR',
  key_id: '<YOUR_KEY_ID>',
  amount: '300000',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'emi',
  emi_duration: 9,
  card: {
    number: '5241810000000000',
    name: 'Gaurav Kumar',
    expiry_month: '10',
    expiry_year: '30',
    cvv: '123'
  }
}).then((data) => {
  // handle success
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  // handle failure
  alert(`Error: ${error.code} | ${error.description}`);
});

Fetch EMI Plans

EMI plans are included in the getPaymentMethods() response. You can use this to display available plans and interest rates to your customers.

Razorpay.getPaymentMethods().then(paymentMethods => {
  console.log(paymentMethods.emi_plans);
});
{
  "HDFC": {
    "min_amount": 300000,
    "plans": {
      "3": 12,
      "6": 12,
      "9": 13,
      "12": 13,
      "18": 15,
      "24": 15
    }
  },
  "AMEX": {
    "min_amount": 500000,
    "plans": {
      "3": 15,
      "6": 15,
      "9": 15,
      "12": 15
    }
  }
}

emi_plans

string Lists the EMI-supported banks with their respective interest rates.

Calculate EMI

Use Razorpay.calculateEmi to calculate the instalment amount for a given principal, duration, and interest rate.

Razorpay.calculateEmi(principalAmount, durationInMonths, annualInterestRate);

The code below calculates the EMI for a principal amount of 10000 (in paisa), that is, ₹100 over 12 months at an annual interest rate of 9%:

Razorpay.calculateEmi(10000, 12, 9);
// = 874

Handy Tips

The above code does not do any unit conversion of the principal amount. The returned amount will have the same unit as the principal. If the principal amount is in paisa, the returned EMI amount will also be in paisa.

Cardless EMI

Cardless EMI is a checkout payment method that allows customers to convert their payment amount to EMIs without a debit or credit card.

Feature Request

This is an on-demand feature. Please raise a request with our

Support team

to get this feature activated on your Razorpay account.

For cardless EMI payments, specify method as cardless_emi and pass the provider as shown below:

Razorpay.open({
  description: 'Credits towards consultation',
  currency: 'INR',
  key_id: '<YOUR_KEY_ID>',
  amount: '5000',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'cardless_emi',
  provider: '<provider_name>'
}).then((data) => {
  // handle success
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  // handle failure
  alert(`Error: ${error.code} | ${error.description}`);
});

Possible values for provider:

  • hdfc
  • icic
  • idfb
  • kkbk
  • zestmoney
  • earlysalary
  • walnut369
  • shopse
  • snapmint

Netbanking

For netbanking payments, specify method as netbanking and pass the bank code as shown below:

Razorpay.open({
  description: 'Credits towards consultation',
  currency: 'INR',
  key_id: '<YOUR_KEY_ID>',
  amount: '5000',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'netbanking',
  bank: 'HDFC'
}).then((data) => {
  // handle success
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  // handle failure
  alert(`Error: ${error.code} | ${error.description}`);
});

You can list the available banks using a drop-down for customers. Obtain the list of banks from the getPaymentMethods() response.

Wallet

For wallet payments, specify method as wallet and pass the wallet code as shown below:

Razorpay.open({
  description: 'Credits towards consultation',
  currency: 'INR',
  key_id: '<YOUR_KEY_ID>',
  amount: '5000',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'wallet',
  wallet: 'mobikwik'
}).then((data) => {
  // handle success
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  // handle failure
  alert(`Error: ${error.code} | ${error.description}`);
});

Possible values for wallet:

UPI

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

    .

Intent Flow

Follow the steps given below to use UPI Intent flow in Razorpay's React Native Custom UI plugin:

  1. Call getAppsWhichSupportUPI to get all UPI apps available on the customer's device.
Razorpay.getAppsWhichSupportUPI((data) => {
      console.log("Supported Apps", data);
    });
  1. Pass the upi_app_package_name from the getAppsWhichSupportUPI() response. Ensure you pass the exact package name, otherwise it will not pass validation.
Razorpay.open({
      description: 'Credits towards consultation',
      currency: 'INR',
      key_id: '<YOUR_KEY_ID>',
      amount: '5000',
      email: 'gaurav.kumar@example.com',
      contact: '9000090000',
      order_id: 'order_9A33XWu170gUtm',
      method: 'upi',
      upi_app_package_name: 'com.google.android.apps.nbu.paisa.user',
      '_[flow]': 'intent'
    }).then((data) => {
      // handle success
      alert(`Success: ${data.razorpay_payment_id}`);
    }).catch((error) => {
      // handle failure
      alert(`Error: ${error.code} | ${error.description}`);
    });
  1. For iOS, add the following to your app's info.plist file to allow your app to open UPI PSP apps:
<key>LSApplicationQueriesSchemes</key>
    <array>
        <string>tez</string>
        <string>phonepe</string>
        <string>paytmmp</string>
        <string>credpay</string>
        <string>mobikwik</string>
        <string>in.fampay.app</string>
        <string>bhim</string>
        <string>amazonpay</string>
        <string>navi</string>
        <string>kiwi</string>
        <string>payzapp</string>
        <string>jupiter</string>
        <string>omnicard</string>
        <string>icici</string>
        <string>popclubapp</string>
        <string>sbiyono</string>
        <string>myjio</string>
        <string>slice-upi</string>
        <string>bobupi</string>
        <string>shriramone</string>
        <string>indusmobile</string>
        <string>whatsapp</string>
        <string>kotakbank</string>
    </array>

Check the complete list of

UPI supported apps and their package names

.

Collect Flow

Deprecation Notice

UPI Collect is deprecated effective 28 February 2026. This is applicable only for exempted businesses. If you are not covered by the exemptions, refer to the

migration documentation

to switch to UPI Intent.

Razorpay.open({
  description: 'Credits towards consultation',
  currency: 'INR',
  key_id: '<YOUR_KEY_ID>',
  amount: '5000',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  vpa: 'gauravkumar@exampleupi',
  method: 'upi',
  '_[flow]': 'collect'
}).then((data) => {
  // handle success
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  // handle failure
  alert(`Error: ${error.code} | ${error.description}`);
});

Pay Later

You can enable your customers to make payments using the Pay Later service offered by various third-party providers.

Feature Request

This is an on-demand feature. Please raise a request with our

Support team

to get this feature activated on your Razorpay account.

For Pay Later payments, specify method as paylater and pass the provider as shown below:

Razorpay.open({
  description: 'Credits towards consultation',
  currency: 'INR',
  key_id: '<YOUR_KEY_ID>',
  amount: '200000',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'paylater',
  provider: '<provider_code>'
}).then((data) => {
  // handle success
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  // handle failure
  alert(`Error: ${error.code} | ${error.description}`);
});

Possible values for provider:

  • lazypay
  • paypal

Emandate

You can accept recurring payments from your customers using emandate as the method. For more information about authorisation and subsequent payments, refer to the

Recurring Payments documentation

.

Feature Request

This is an on-demand feature. Please raise a request with our

Support team

to get this feature activated on your Razorpay account.

Razorpay.open({
  amount: 0,
  currency: 'INR',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_EAbtuXPh24LrEc',
  customer_id: 'cust_E9penp7VGhT5yt',
  recurring: '1',
  method: 'emandate',
  bank: 'HDFC',
  auth_type: 'netbanking',
  bank_account: {
    name: 'Gaurav Kumar',
    account_number: '1121431121541121',
    account_type: 'savings',
    ifsc: 'HDFC0000001'
  }
}).then((data) => {
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  alert(`Error: ${error.code} | ${error.description}`);
});
Razorpay.open({
  amount: 0,
  currency: 'INR',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_EAbtuXPh24LrEc',
  customer_id: 'cust_E9penp7VGhT5yt',
  recurring: '1',
  method: 'emandate',
  bank: 'HDFC',
  auth_type: 'debitcard',
  bank_account: {
    name: 'Gaurav Kumar',
    account_number: '1121431121541121',
    account_type: 'savings',
    ifsc: 'HDFC0000001'
  }
}).then((data) => {
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  alert(`Error: ${error.code} | ${error.description}`);
});
Razorpay.open({
  amount: 0,
  currency: 'INR',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_EAbtuXPh24LrEc',
  customer_id: 'cust_E9penp7VGhT5yt',
  recurring: '1',
  method: 'emandate',
  bank: 'HDFC',
  auth_type: 'aadhaar',
  bank_account: {
    name: 'Gaurav Kumar',
    account_number: '1121431121541121',
    account_type: 'savings',
    ifsc: 'HDFC0000001'
  }
}).then((data) => {
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  alert(`Error: ${error.code} | ${error.description}`);
});

Card Utilities

You can use these methods for card payment method integration.

Fetch Card Network

The SDK provides a method to get the card network name of the card number.

  • At least 6 digits of the card number are required to identify the network.
  • Possible values returned by this method are visa, mastercard, maestro16, amex, rupay, maestro, diners and unknown.
  • If it cannot identify the network, it returns unknown.
//needs Razorpay.initRazorpay()
Razorpay.getCardsNetwork('4386289407660153').then(resp => {
  console.log(resp.data); // returns visa
});

Card Number Validation

The SDK provides a checksum-based method to determine if the entered card number is valid or not.

//needs Razorpay.initRazorpay()
Razorpay.isValidCardNumber('4386289407660153').then(resp => {
  console.log('is card number valid:');
  console.log(resp.data); // returns true or false
});

Fetch Card Number Length for Card Network

The SDK provides a method to get the card number length for a specific card network.

Razorpay.getCardNetworkLength('visa').then(resp => {
  console.log(resp.data); // returns 16 for visa
});

Validate VPA

The SDK provides a method to determine if the entered Virtual Payment Address (VPA) is valid or not. A failure response is triggered when the VPA is empty or the device is not connected to data to make the validation.

//needs Razorpay.initRazorpay()
Razorpay.isValidVpa('a@okaxis').then(resp => {
  console.log(resp);
  // Success: {"customer_name": "Gaurav Kumar", "success": true, "vpa": "a@okaxis"}
  // Failure: {"code": "BAD_REQUEST_ERROR", "description": "Invalid VPA. Please enter a valid Virtual Payment Address", "field": "vpa", "reason": "invalid_vpa", "source": "customer", "step": "payment_initiation"}
});

Given below are the sample codes for fetching various payment method logo URLs.

Fetch Bank Logo URL

The SDK provides a method to fetch the bank logo URL. The bankCode is available in the getPaymentMethods() response.

//needs Razorpay.initRazorpay()
Razorpay.getBankLogoUrl('UTIB').then(resp => {
  console.log(resp.data); // returns https://cdn.razorpay.com/bank/UTIB.gif
});

Fetch Wallet Logo URL

The SDK provides a method to get the wallet logo URL.

//needs Razorpay.initRazorpay()
Razorpay.getWalletLogoUrl('mobikwik').then(resp => {
  console.log(resp.data); // returns https://cdn.razorpay.com/wallet/mobikwik.png
});

Fetch Wallet Square Logo URL

The SDK provides a method to get the wallet's square-shaped logo URL.

//needs Razorpay.initRazorpay()
Razorpay.getSqWalletLogoUrl('mobikwik').then(resp => {
  console.log(resp.data); // returns square wallet logo URL
});

CRED

Use the SDK to check if the CRED app is installed on the customer's device before initiating a CRED payment.

Step 1: Check if CRED app is available.

//needs Razorpay.initRazorpay()
Razorpay.isCredAppAvailable().then(resp => {
  console.log(resp.data); // returns true or false
});

Step 2: If CRED is available, initiate the payment using method: 'app' and provider: 'cred'.

Razorpay.open({
  description: 'Credits towards consultation',
  currency: 'INR',
  key_id: '<YOUR_KEY_ID>',
  amount: '5000',
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'app',
  provider: 'cred'
}).then((data) => {
  // handle success
  alert(`Success: ${data.razorpay_payment_id}`);
}).catch((error) => {
  // handle failure
  alert(`Error: ${error.code} | ${error.description}`);
});

Related information

Is this integration guide useful?

ON THIS PAGE