Payment Methods

You can accept payments through several payment methods such as ACH, debit cards and credit cards. 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, then pass 29900 in this field.

currency

mandatory

string Currency code for the currency in which you want to accept the payment. For example, USD. 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. Possible values:

true: Customer's browser supports Java.
false: Customer's browser does not support Java.

javascript_enabled

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

true: Customer's browser can execute JavaScript.
false: Customer's browser cannot execute JavaScript.

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
ach

card

object 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.

bank_account

mandatory

object Bank account details to be passed in case of ACH payment method.

account_number

mandatory

string Customer's bank account number.

name

mandatory

string Account holder's name as per bank records.

bank_code

mandatory

string The ACH routing number of the bank account.

bank_code_category

mandatory

string The category of bank code. Must be routing_number for ACH payments.

account_type

mandatory

string Type of bank account. Possible values:

personal_savings: Individual savings account.
personal_checking: Individual current account.
business_savings: Business savings account.
business_checking: Business current account.

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": "",
	"contact": "+11234567890",
	"email": "john.smith@example.com",
	"order_id": "order_DPzFe1Q1dEOKed",
	"method": "card",
	"card": {
    	"number": "4916 3338 9663 2957",
    	"name": "John Smith",
    	"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

ACH Direct Debit

Given below is the sample code for ACH Direct Debit payments. Pass the value for the bank_account 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": 50000,
  "currency": "USD",
  "order_id": "order_GAWN9beXgaqRyO",
  "email": "john.smith@example.com",
  "contact": "+11234567890",
  "method": "ach",
  "bank_account": {
    "account_number": "000000001234",
    "name": "John Smith",
    "bank_code": "122105278",
    "bank_code_category": "routing_number",
    "account_type": "personal_savings"
  },
  "billing_address": {
    "line1": "Block",
    "line2": "Street",
    "city": "San Jose",
    "state": "California",
    "postal_code": "33154"
  }
}'

Supported Banks

Fetch the supported bank codes using the

Methods API

Acceptable Image Formats and Sizes

The acceptable image formats and sizes are:

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