Payments

Payment Gateway

S2s Integration

Json

V2

Build Integration

Netbanking

1. Build Integration for Netbanking

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

Follow the steps below to integrate S2S JSON API and accept payments using netbanking.

1.1

Create an Order


1.2

Create a Payment


1.3

Handle Payment Success and Error Events


1.4

Verify Payment Signature


1.5

Integrate Payments Rainy Day Kit


1.6

Verify Payment Status


Watch Out!

Do not hardcode the URL returned in the API responses.

1.1 Create an Order

To process a payment, create a Razorpay 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

    Orders API

    . It is a server-side API call. Know how to

    authenticate

    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.

Razorpay Postman Public Workspace

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

Run in Postman

Handy Tips

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

API Sample Code

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

list of supported currencies

. 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

Currency Conversion

(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 ₹7,000.00 is to be received from the customer in two installments of #1 - ₹5,000.00, #2 - ₹2,000.00 then you can set this value as 500000. This parameter should be passed only if partial_payment is true.

Know more about

Orders API

.

Response Parameters

Descriptions for the response parameters are present in the

Orders Entity

parameters table.

Error Response Parameters

The error response parameters are available in the

API Reference Guide

.

1.2 Create a Payment

Once an order is created, your next step is to create a payment. The following API will create a payment with netbanking 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": "100",
  "currency": "INR",
  "email": "gaurav.kumar@example.com",
  "contact": "9000090000",
  "order_id": "order_EAkbvXiCJlwhHR",
  "ip": "192.168.0.103",
  "method": "netbanking",
  "bank": "HDFC"
}'

Request Parameters

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

relevant payment request fields

.

Response Parameters

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. The value here is redirect - Use this URL to redirect customer to the bank page.

url

string URL to be used for the action indicated.

1.3 Handle Payment Success and Error Events

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.

Success Callback

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_29QQoUBi66xm2f",
  "razorpay_order_id": "order_9A33XWu170gUtm",
  "razorpay_signature": "9ef4dffbfd84f1318f6739a3ce19f9d85851857ae648f114332d8401e0949a3d"
}

Failure Callback

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

Errors

for details.

1.4 Verify Payment Signature

Signature verification is a mandatory step to ensure that the callback is sent by Razorpay. The razorpay_signature contained in the callback can be regenerated by your system and verified as follows.

Create a string to be hashed using the razorpay_payment_id contained in the callback and the Order ID generated in the first step, separated by a |. Hash this string using SHA256 and your API Secret.

generated_signature = hmac_sha256(order_id + "|" + razorpay_payment_id, secret);


if (generated_signature == razorpay_signature) {
    payment is successful
}

Generate Signature on your Server

/**
* This class defines common routines for generating
* authentication signatures for Razorpay Webhook requests.
*/
public class Signature
{
    private static final String HMAC_SHA256_ALGORITHM = "HmacSHA256";
    /**
    * Computes RFC 2104-compliant HMAC signature.
    * * @param data
    * The data to be signed.
    * @param key
    * The signing key.
    * @return
    * The Base64-encoded RFC 2104-compliant HMAC signature.
    * @throws
    * java.security.SignatureException when signature generation fails
    */
    public static String calculateRFC2104HMAC(String data, String secret)
    throws java.security.SignatureException
    {
        String result;
        try {


            // get an hmac_sha256 key from the raw secret bytes
            SecretKeySpec signingKey = new SecretKeySpec(secret.getBytes(), HMAC_SHA256_ALGORITHM);


            // get an hmac_sha256 Mac instance and initialize with the signing key
            Mac mac = Mac.getInstance(HMAC_SHA256_ALGORITHM);
            mac.init(signingKey);


            // compute the hmac on input data bytes
            byte[] rawHmac = mac.doFinal(data.getBytes());


            // base64-encode the hmac
            result = DatatypeConverter.printHexBinary(rawHmac).toLowerCase();


        } catch (Exception e) {
            throw new SignatureException("Failed to generate HMAC : " + e.getMessage());
        }
        return result;
    }
}

1.5 Integrate Payments Rainy Day Kit

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

1.6 Verify Payment Status

Handy Tips

On the Dashboard, ensure that the payment status is captured. Refer to the payment capture settings page to know how to

capture payments automatically

.

You can track the payment status in three ways:

To verify the payment status from the Dashboard:

  1. Log in to the

    Dashboard

    and navigate to Transactions → Payments.
  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

Next Steps

Step 2: Test Integration

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