Payment Methods
Check the various payment methods you can configure at the checkout by integrating with Razorpay APIs.
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
activated for your account.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:
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
order_id
mandatory
string
Unique identifier of the Order.
Know more about
ip
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 anull
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
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.
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": 23,"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}'
List of supported card networks:
- Visa
- Mastercard
- American Express
- Bajaj
- Maestro
- Rupay
- Diners
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"}'
Fetch the supported bank codes using the
.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}'
- Fetch the available EMI plans (for each supported bank) by invoking the . Extract the EMI plans from the response to be shown to your customers while making the payment.
- Know more about EMI plans offered by and .
Given below is the sample code for Cardless EMI payments.
Handy Tips
- Contact our 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"}'
List of supported Cardless EMI providers:
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"}'
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
to enable such wallets.Handy Tips
You can accept payments based on the transaction limit of your PayPal account.
Know about
and .Given below is the sample code for Pay Later payments.
Handy Tips
- Contact our 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>"}'
Watch Out!
LazyPay services are temporarily disabled.
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
andprovider
parameters in Create Payments API.
You must create an order using Orders API. In the response, you obtain an order_id
which you must pass to Checkout.
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}'
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
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”
.
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"}'
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.
You can accept recurring payments from your customers using emandate
, card
or upi
as the method. Know more about
Feature Request
- This is an on-demand feature. Please raise a request with our 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.
- Create an Order with method as
emandate
,nach
orupi
. - 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
.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"}}'
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 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
.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
The acceptable image formats and sizes are:
- .jpeg
- .jpg
- .png
- Maximum accepted size is 6 MB.
Know about
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