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.







Watch Out!

Do not hardcode the URL returned in the API responses.

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 . 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.

curl -X POST https://api.razorpay.com/v1/orders
-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



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.



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).



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



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”.



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.



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 netbanking as the payment method:

-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": "",
"method": "netbanking",
"bank": "HDFC"

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


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


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


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


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.


string URL to be used for the action indicated.

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

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

for details.

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

* 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);
// 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;

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

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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