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

. Length must be of 3 characters.

order_id

mandatory

string Unique identifier of the Order.
Know more about

.

ip

mandatory

string Customer's IP address.

email

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 Visa and Amex tokenised cards.
  • To enable CVV-less flow for Rupay and Mastercard, contact our .
  • CVV is mandatory for Diners tokenised cards.
  • CVV is an optional field. Skip passing the cvv parameter to Razorpay to implement this change.

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

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.

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:

BanksProvider CodeMinimum Order Amount
CASHecshe₹1000
ICICI Bankicic₹7000
IDFC Bankidfb₹5000
HDFC Bankhdfc₹5000
Kotak Bankkkbk₹3000
KreditBeekrbe₹2400
TVS Credittvsc₹3000
axiowalnut369₹900
Fibeearlysalary₹3000
ZestMoneyzestmoney₹99

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.

Wallet ProviderAvailabilityWallet Code
FreeChargefreecharge
PayZappRequires payzapp
Airtel Moneyairtelmoney
MobiKwikmobikwik
JioMoneyjiomoney
Ola Moneyolamoney
Bajaj PayRequires bajajpay
PhonePeRequires phonepe
For businesses registered with PhonePe Switch onlyphonepeswitch
International Payments Only .
Requires
paypal
Requires amazonpay

Handy Tips

with Razorpay Checkout to accept payments in international currencies.

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>"
}'

ProviderProvider CodeAvailabilityMinimum TransactionMaximum Transaction
rzpx_postpaid₹1000NA
ICICI Bank PayLatericic₹1₹30,000
GetSimplgetsimpl₹1₹25,000
FlexiPay by HDFC Bankhdfc₹1,000₹20,000
LazyPaylazypay₹1₹10,000

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 and provider 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.

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
}'

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

. 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”.

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.
Feature Request GIF

  1. Create an Order with method as emandate, nach or upi.
  2. Collect authorization transaction.
    • Using custom checkout
    • Using an authorization link
  3. Verify Tokens.
  4. 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.
Feature Request GIF

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

  1. Create a Customer
  2. Create an Order
  3. Upload the NACH file via API
  4. Fetch Token
  5. 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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