FPX

Steps to integrate S2S JSON API and accept payments using FPX.


Financial Process Exchange (FPX) is an online banking payment method that allows end users to pay money directly from their bank account for all online transactions.

Follow the steps below to Curlec S2S JSON API and accept payments using FPX.

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The first step is identifying and getting the list of banks with their respective codes to integrate correctly. Curlec uses its bank codes to correctly identify a bank entity in the system.

Handy Tips

FPX transactions are of two categories: B2B and B2C. We follow a nomenclature of suffixing _C as a parameter if the transaction is of a corporate type.

Use this endpoint to get the list of Banks and their respective codes:

To process a payment, create a Curlec Order to correspond with the order in your system. Send the order request parameters to the following endpoint:

Order is an important step in the payment process.

  • An order should be created for every payment.
  • You can create an order using the . It is a server-side API call. Know how to Orders API.
  • The order_id received in the response should be passed to the checkout. This ties the order with the payment and secures the request from being tampered.

You can create an order:

  • Using the sample code on the Razorpay Postman Public Workspace.
  • By manually integrating the API sample codes on your server.

You can use the Postman workspace below to create an order:

Handy Tips

Under the Authorization section in Postman, select Basic Auth and add the Key Id and secret as the Username and Password, respectively.

You can create an order manually by integrating the API sample codes on your server.

Use this endpoint to create an order using the Orders API.

POST
/orders
curl -X POST https://api.razorpay.com/v1/orders
-U [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-H 'content-type:application/json'
-d '{
"amount": 500,
"currency": "INR",
"receipt": "qwsaq1",
"partial_payment": true,
"first_payment_min_amount": 230,
"notes": {
"key1": "value3",
"key2": "value2"
}
}'
{
"id": "order_IluGWxBm9U8zJ8",
"entity": "order",
"amount": 5000,
"amount_paid": 0,
"amount_due": 5000,
"currency": "INR",
"receipt": "rcptid_11",
"offer_id": null,
"status": "created",
"attempts": 0,
"notes": [],
"created_at": 1642662092
}

Request Parameters

amount

mandatory

integer Payment amount in the smallest currency sub-unit. For example, if the amount to be charged is ₹299.00, then pass 29900 in this field. In the case of three decimal currencies, such as KWD, BHD and OMR, to accept a payment of 295.991, pass the value as 295990. And in the case of zero decimal currencies such as JPY, to accept a payment of 295, pass the value as 295.

Watch Out!

As per payment guidelines, you should pass the last decimal number as 0 for three decimal currency payments. For example, if you want to charge a customer 99.991 KD for a transaction, you should pass the value for the amount parameter as 99990 and not 99991.

currency

mandatory

string The currency in which the transaction should be made. See the

. Length must be 3 characters.

Handy Tips

Razorpay has added support for zero decimal currencies, such as JPY, and three decimal currencies, such as KWD, BHD, and OMR, allowing businesses to accept international payments in these currencies. Know more about

(May 2024).

receipt

optional

string Your receipt id for this order should be passed here. Maximum length is 40 characters.

notes

optional

json object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

partial_payment

optional

boolean Indicates whether the customer can make a partial payment. Possible values:

  • true: The customer can make partial payments.
  • false (default): The customer cannot make partial payments.

first_payment_min_amount

optional

integer Minimum amount that must be paid by the customer as the first partial payment. For example, if an amount of ₹7,000 is to be received from the customer in two installments of #1 - ₹5,000, #2 - ₹2,000, then you can set this value as 500000. This parameter should be passed only if partial_payment is true.

Response Parameters

Descriptions for the response parameters are present in the

parameters table.

Error Response Parameters

The error response parameters are available in the

.

Once an order is created, your next step is to create a payment. The following API will create a payment with fpx as the payment method:

POST
/payments/create/json
curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/payments/create/json \
-H "content-type: application/json" \
-d '{
"amount": 200,
"currency": "MYR",
"order_id": "order_LSA6ny1sGKAp0C",
"email": "nur.aisyah@example.com",
"contact": "+60123456789",
"method": "fpx",
"bank": "MB2U",
"callback_url": "https://merchant_callback_url.."
}'

The payment request for each of the supported payment methods will slightly vary. Know more about the

.

If the payment request is valid, the response contains the following fields.

razorpay_payment_id

string Unique identifier of the payment. Present for all responses.

next

array A list of action objects available to you to continue the payment process. Present when the payment requires further processing.

action

string An indication of the next step available to you to continue the payment process. Possible values:

  • redirect : Use this URL to redirect customer to submit the OTP on the bank page.

url

string URL to be used for the action indicated.

The Payment API will return the payment id along with the authentication URL to which the user has to be redirected. You may choose to store the Payment id on your server to help us enquire about the status and other accounting purposes if required.

You may now choose to redirect the user to the authentication URL that you have received in the response.

Once the payment is completed by the customer, a POST request is made to the callback_url provided in the payment request. The data contained in this request will depend on whether the payment was a success or a failure.

If the payment made by the customer is successful, the following fields are sent:

  • razorpay_payment_id
  • razorpay_order_id
  • razorpay_signature
{
"razorpay_payment_id": "pay_LUtJxInEqa0oAA&",
"razorpay_order_id": "order_LUtJ52zWwapfqs&",
"razorpay_signature": "e617a6c035cb39feb6cd16358d83a4e3d30b11d9e8e2181e6ef442da1d41df20"
}

If the payment has failed, the callback will contain details of the error. Refer to

for details.

Use Payments Rainy Day kit to overcome payments exceptions such as:

After receiving the razorpay_payment_id through the merchant callback_url, use this endpoint to fetch the payment details:

You can track the payment status in three ways:

Handy Tips

  • On the Dashboard, ensure that the payment status is captured. Refer to the payment capture settings page to know how to .
  • Subscribe to our webhooks or poll the Fetch a Payment API to track the payment status.

To verify the payment status from the Dashboard:

  1. Log in to the and navigate to TransactionsPayments.
  2. Check if a Payment Id has been generated and note the status. In case of a successful payment, the status is marked as Captured.
Check if the payment id is generated and the status is captured

You can use Razorpay webhooks to configure and receive notifications when a specific event occurs. When one of these events is triggered, we send an HTTP POST payload in JSON to the webhook's configured URL. Know how to

If you have subscribed to the order.paid webhook event, you will receive a notification every time a customer pays you for an order.

to check the payment status.


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