Payment Methods

You can accept payments through several payment methods such as netbanking, debit cards, credit cards, wallets and UPI. However, you can configure payment methods of your choice for collecting payments from your customers.

Check the

payment methods

activated for your account.

Check the API Endpoint

On this page, we have listed the sample codes with the S2S JSON V2 API. If you are using the Redirect API version, use the API endpoint as suggested below:

Supported Payment Fields

Understand the fields required to construct a payment request:

key_id

mandatory

string The Key ID that you have generated from the API Keys tab in the Dashboard.

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.

currency

mandatory

string Currency code for the currency in which you want to accept the payment. For example, INR. Refer to the list of

supported currencies

. Length must be of 3 characters.

order_id

mandatory

string Unique identifier of the Order.
Know more about

Orders API

mandatory

string Customer's IP address.

mandatory

string Email address of the customer. Maximum length supported is 40 characters.

contact

mandatory

string Phone number of the customer. Maximum length supported is 15 characters, inclusive of country code.

authentication

optional

object Details of the authentication channel.

authentication_channel

string The authentication channel for the payment. Possible values:

browser (default)
app

browser

mandatory

object Information regarding the customer's browser. This parameter need not be passed when authentication_channel=app.

java_enabled

boolean Indicates whether the customer's browser supports Java. Obtained from the navigator HTML DOM object.

javascript_enabled

boolean Indicates whether the customer's browser can execute JavaScript. Obtained from the navigator HTML DOM object.

timezone_offset

integer Time difference between UTC time and the cardholder's browser local time. Obtained from the getTimezoneOffset() method applied to the Date object.

screen_width

integer Total width of the payer's screen in pixels. Obtained from the screen.width HTML DOM property.

screen_height

integer Obtained from the navigator HTML DOM object.

color_depth

integer Obtained from the payer's browser using the screen.colorDepth HTML DOM property.

language

string Obtained from the payer's browser using the navigator.language HTML DOM property. Maximum limit of 8 characters.

method

mandatory

string Name of the payment method. Possible values are:

card
netbanking
wallet
emi
upi
cardless_emi
paylater

card

Details associated with the card. Required if the payment method is card.

number

mandatory

string Unformatted card number. Required if the method is card.

name

mandatory

string Name of the cardholder. Required if the method is card.

expiry_month

mandatory

integer Expiry month for card in MM format. Required if the method is card.

expiry_year

mandatory

string Expiry year for card in YY format. Required if the method is card.

cvv

mandatory

string CVV printed on the back of card. Required if the method is card.

Handy Tips

CVV is not required by default for tokenised cards across all networks.
CVV is optional for tokenised card payments. Do not pass dummy CVV values.
To implement this change, skip passing the cvv parameter entirely, or pass a null or empty value in the CVV field.
We recommend removing the CVV field from your checkout UI/UX for tokenised cards.
If CVV is still collected for tokenised cards and the customer enters a CVV, pass the entered CVV value to Razorpay.

bank

string Bank code of the bank used for the payment. Required if the method is netbanking.

bank_account

The details of the bank account that should be passed in the request. Required if the method is emandate.

account_number

mandatory

string Bank account number used to initiate the payment.

ifsc

mandatory

string IFSC of the bank used to initiate the payment.

name

mandatory

string Name associated with the bank account used to initiate the payment.

emi_duration

string The EMI duration in months. Required if the method is emi.

vpa

string Virtual payment address of the customer. Required if the method is upi.

wallet

string Wallet code for the wallet used for the payment. Required if the method is wallet.

notes

optional

object Key-value object used for passing tracking info. Refer to

Notes

for more details.

callback_url

optional

string URL endpoint where Razorpay will submit the final payment status.

referrer

optional

string Referrer header passed by the client's browser.

user_agent

optional

string Customer user-agent.

Sample payloads for each of the payment methods are shown below in the JSON format.

Debit and Credit Cards

Given below is the sample code for card payments:

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",
	"contact": "9000090000",
	"email": "gaurav.kumar@example.com",
	"order_id": "order_DPzFe1Q1dEOKed",
	"method": "card",
	"card": {
    	"number": "4111111111111111",
    	"name": "Gaurav",
    	"expiry_month": 11,
    	"expiry_year": 30,
    	"cvv": 100
    },
    "authentication": {
    	"authentication_channel": "browser"
    },
    "browser": {
    	"java_enabled": false,
    	"javascript_enabled": false,
    	"timezone_offset": 11,
    	"color_depth": 23,
    	"screen_width": 23,
    	"screen_height": 100
    }
    // Note: The authentication and browser parameters are applicable for 3DS 2 transactions
}'

Supported Card Networks

List of supported card networks:

Visa
Mastercard
American Express
Bajaj
Maestro
Rupay
Diners

Netbanking

Given below is the sample code for netbanking payments. Pass the value for the bank parameter as shown below:

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": 200000,
	"currency": "INR",
	"contact": "9000090000",
	"email": "gaurav.kumar@example.com",
	"order_id": "order_DPzFe1Q1dEObDT",
	"method": "netbanking",
	"bank": "HDFC"
}'

Supported Banks

Fetch the supported bank codes using the

Methods API

EMI

Given below is the sample code for EMI payments. Pass the card details along with these parameters:

method
emi_duration

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": 200000,
	"currency": "INR",
	"contact": "9000090000",
	"email": "gaurav.kumar@example.com",
	"order_id": "order_DPzFe1Q1dEObeD",
	"method": "emi",
	"emi_duration": 9,
	"card": {
        "number": "4111111111111111",
        "name": "Gaurav",
        "expiry_month": 11,
        "expiry_year": 30,
        "cvv": 100
    },
    "authentication": {
        "authentication_channel": "browser"
    },
    "browser": {
        "java_enabled": false,
        "javascript_enabled": false,
        "timezone_offset": 11,
        "color_depth": 23,
        "screen_width": 23,
        "screen_height": 100
    }
    // Note: The authentication and browser parameters are applicable for 3DS 2 transactions
}'

EMI Plans

Fetch the available EMI plans (for each supported bank) by invoking the
Methods API
. Extract the EMI plans from the response to be shown to your customers while making the payment.
Know more about EMI plans offered by
OneCard
and
HSBC
.

Cardless EMI

Given below is the sample code for Cardless EMI payments.

Handy Tips

Contact our
Support Team
to get the Cardless EMI payment method enabled for your account.
Customers should have accounts with the Cardless EMI payment partner.

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": 200000,
	"currency": "INR",
	"contact": "9000090000",
	"email": "gaurav.kumar@example.com",
	"order_id": "order_DPzFe1Q1dEOboB",
	"method": "cardless_emi",
	"provider": "zestmoney"
}'

Supported Providers

List of supported Cardless EMI providers:

Wallet

Given below is the sample code for wallet payments. Pass the wallet provider name as shown:

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": 200000,
	"currency": "INR",
	"contact": "9000090000",
	"email": "gaurav.kumar@example.com",
	"order_id": "order_DPzFe1Q1dEObDU",
	"method": "wallet",
	"wallet": "payzapp"
}'

Supported Wallets

The table below lists the various wallets available to you. Some of them are available by default, while others require approval from us. Raise a request with our

Support Team

to enable such wallets.

Handy Tips

Integrate your PayPal account

with Razorpay Checkout to accept payments in international currencies.

You can accept payments based on the transaction limit of your PayPal account.

UPI

Know about

UPI Intent

and

UPI Collect

Pay Later

Given below is the sample code for Pay Later payments.

Handy Tips

Contact our
Support Team
to get this payment method enabled for your account.
Customers should have accounts with the Pay Later service providers.

Once the order is created and the customer's payment details are obtained, the information should be sent to Razorpay to complete the payment. You can do this by invoking createPayment and passing method=paylater and provider=<provider_name>.

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/payments/create/json \
-u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-H "Content-Type: application/json" \
-d '{
	"amount": 200000,
	"currency": "INR",
	"contact": "9000090000",
	"email": "gaurav.kumar@example.com",
	"order_id": "order_DPzFe1Q1dEObDv",
	"method": "paylater",
	"provider": "<provider_name>"
}'

Supported Providers

Watch Out!

LazyPay services are temporarily disabled.

CRED

Your customers can pay via a combination of CRED Coins and Credit Cards saved on CRED.

To add CRED Pay as a payment method, you need to:

Pass the app_offer parameter in Orders API.
Pass the method and provider parameters in Create Payments API.

Pass app_offer Parameter in Order

You must create an order using Orders API. In the response, you obtain an order_id which you must pass to Checkout.

POST

/orders

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/orders \
-H "content-type: application/json" \
-d '{
  "amount": 1000,
  "currency": "INR",
  "receipt": "receipt#1",
  "app_offer": true
}'

Request Parameters

amount

mandatory

integer The transaction amount, expressed in the currency sub-unit, such as paise (in case of INR). For example, for an actual amount of ₹299.35, the value of this field should be 29935.

currency

mandatory

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

list of supported currencies

. Default is INR.

app_offer

optional

boolean Allow/disallow customers from using CRED coins to make payments. This is used to prevent double discounting scenarios where customers have already availed discounts using voucher/coupon and you do not want them to redeem Coins as well. Possible values:

true: Customer not allowed to use CRED coins to make payment.
false (default): Customer can use CRED coins to make payment.

receipt

optional

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

notes

optional

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”.

Pass method and provider Parameters in Create Payments API

curl -X POST https://api.razorpay.com/v1/payments/create/json \
-u [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-H 'content-type: application/json'
-d '{
  "amount": 1000,
  "currency": "INR",
  "contact": 9900988990,
  "email": "gaurav.kumar@example.com",
  "order_id": "order_4xbQrmEoA5WJ0G",
  "method": "app",
  "provider": "cred",
  "app_present": "false"
}'

Request Parameters

Along with the other Create Payment API request parameters, you must pass:

method

mandatory

string The method used to make the payment. Here, it must be app.

provider

mandatory if method=app

string Name of the PSP app. Here, it must be cred.

app_present

mandatory if app=cred

boolean Sets the payment flow as collect. Possible values:

true: Opens CRED app on customer's device.
false (default): Sends a push notification to customer's device.

Emandate

You can accept recurring payments from your customers using emandate, card or upi as the method. Know more about

Recurring Payments

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.
Watch this video to know how to raise a feature enablement request on the Razorpay Dashboard.

Workflow

Create a customer.
Create an Order with method as emandate, nach or upi.
Collect authorization transaction.
- Using custom checkout
- Using an authorization link
Verify Tokens.
Charge subsequent payments.

Know more about steps 2,3,4 and 5 in

Recurring Payments

Sample Checkout Code to Collect Authorisation Transaction

curl -X POST \
https://api.razorpay.com/v1/payments/create/redirect \
-u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-H "Content-Type: application/json" \
-d '{
   "amount":0,
   "currency":"INR",
   "contact":"9000090000",
   "email":"gaurav.kumar@example.com",
   "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"
   }
}'

Upload NACH File Using API

The current way to collect the NACH form is via Razorpay:

Checkout
Merchant Dashboard
Hosted Checkout page, where a customer signs and uploads the form via Checkout while attempting authorization transaction.

You can upload the signed NACH forms that you have collected from your customers using the NACH file API. Razorpay OCR-enabled NACH engine submits the form to NPCI. on successful verification and you will receive a success/failure response.

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.
Watch this video to know how to raise a feature enablement request on the Razorpay Dashboard.

Follow these steps to register a NACH mandate via S2S Image Transfer:

Create a Customer
Create an Order
Upload the NACH file via API
Fetch Token
Create Subsequent Payments

Know more about steps 2,3,4 and 5 in

Recurring Payments

Sample Server Request and Responses

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST 'https://api.razorpay.com/v1/payments/create/nach/file' \
-H "Content-Type: multipart/form-data" \
-F 'order_id=order_FoLdZrq6QGKUWg' \
-F 'file=@/Users/your_name/sample_uploaded.jpeg' // file path

Acceptable Image Formats and Sizes

The acceptable image formats and sizes are:

.jpeg
.jpg
.png
Maximum accepted size is 6 MB.

Error Reasons

Know about

errors under Recurring Payments FAQs