Additional Support for Payment Methods

Fetch Payment Methods

Use the

Below are the sample payloads for each payment method.

Bank Transfer

This payment method allows you to display your Customer Identifier details on the checkout. Your customers can make online bank transfers to this account.

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 Dashboard.

There are no specific request parameters to be passed. Instead, you must pass the fetchVirtualAccount method for your Customer Identifier to get created and the details to appear on the checkout. Know more about

Debit and Credit Card

In this case, data.method should be specified as card. Other required fields:

• card[name]
• card[number]
• card[cvv]
• card[expiry_month]
• card[expiry_year]

razorpay.createPayment({
  amount: 5000,
  email: 'gaurav.kumar@example.com',
  contact: '9123456780',
  order_id: 'order_9A33XWu170gUtm',
  method: 'card',
  'card[name]': 'Gaurav Kumar',
  'card[number]': '4386289407660153',
  'card[cvv]': '566',
  'card[expiry_month]': '10',
  'card[expiry_year]': '20'
});

If you want to securely store the customer's card details as network tokens, know about

EMI on Credit and Debit Cards

For EMIs, data is the same as the card, with the following differences:

• method should be emi
• An additional field, emi_duration corresponding to the number of months for EMI, should be included. After the customer selects the desired plan, pass the corresponding value in the emi_duration field.

Use the code given below:

razorpay.createPayment({
  amount: 300000,
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'emi',
  emi_duration: 9,
  'card[name]': 'Gaurav Kumar',
  'card[number]': '5241810000000000',
  'card[cvv]': '123',
  'card[expiry_month]': '10',
  'card[expiry_year]': '30'
});

Fetch EMI Plans

To display the available EMI plans, use the Razorpay checkout helper methods to fetch the details of the EMI plans and display them. You can use the event ready, as shown below:

var razorpay = new Razorpay(...); // as before

    /**
       * The above code remains the same.
       * You can fetch the available EMI plans by adding the below code in your options.
       */
razorpay.once('ready', function() {
  console.log(razorpay.methods.emi_plans);
  console.log(razorpay.methods.netbanking);
})

Calculate EMI

You can use the function Razorpay.emi.calculator to calculate instalment amounts as shown below:

Razorpay.emi.calculator(principal_amount, duration_in_month, annual_interest_rate);

The below code will calculate EMI for a principal amount of 10000(in paisa), that is, ₹100 over 12 months with an annual interest rate of 9%:

Razorpay.emi.calculator(10000, 12, 9);
= 874

Cardless EMI

Cardless EMI is a checkout payment method that allows customers to convert their payment amount to EMIs. The user does not require a debit or credit card. Make payments via credits approved by the supported Cardless EMI payment partner.

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 Dashboard.

Use the code given below:

razorpay.createPayment({
  amount: 5000,
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'cardless_emi',
  provider: '<provider_name>'
});

Possible values for provider:

• hdfc
• icic
• idfb
• kkbk
• zestmoney
• earlysalary
• walnut369
• shopse
• snapmint

Netbanking

When method is netbanking, you need to pass an additional field bank as shown below:

razorpay.createPayment({
  amount: 5000,
  email: 'gaurav.kumar@example.com',
  contact: '9123456780',
  order_id: 'order_9A33XWu170gUtm',
  method: 'netbanking',
  bank: 'SBIN'
})

You can list the available banks using a drop-down for customers. You can obtain a list of banks using the

Wallet

When method is wallet, you need to pass an additional field wallet as shown below:

razorpay.createPayment({
  amount: 5000,
  email: 'gaurav.kumar@example.com',
  contact: '9000090000',
  order_id: 'order_9A33XWu170gUtm',
  method: 'wallet',
  wallet: 'mobikwik'
});

Possible values for wallet:

• payzapp (default)
• olamoney (requires

  approval

  )
• phonepe (requires

  approval

  )
• airtelmoney (requires

  approval

  )
• mobikwik (requires

  approval

  )
• jiomoney (requires

  approval

  )
• amazonpay (requires

  approval

  )
• bajajpay (requires

  approval

  )
• paypal (requires

  approval

  and

  onboarding

  )
• phonepeswitch (requires

  approval

  )

PhonePe Switch

You can accept in-app payments from your customers transacting in PhonePe Switch. Know more about

UPI

You can accept UPI payments using the collect flow. Know more about

Collect Flow

Customers enter their vpa or

You can now pass the vpa parameter in the upi array as shown below:

razorpay.createPayment({
  amount: 5000,
  email: 'gaurav.kumar@example.com',
  contact: '9123456780',
  order_id: 'order_9A33XWu170gUtm',
  method: 'upi',
  upi:
  {
    vpa: 'gauravkumar@somebank',
    flow: 'collect'
  }
});

You will need to collect the Virtual Payment Address (VPA) from the user. This should be a text field that validates against the regex ^.+@.+$.

Intent Flow

You can avail the UPI Intent flow by integrating with the

Intent Flow for Mobile Web

Using Razorpay, you can let your customers make UPI Intent payments on your mobile website. Customers can then proceed with the payment without navigating away from your mobile website. This leads to a faster checkout experience with higher success rates.

Know how to integrate with

UPI QR Code

You can display a UPI QR Code at checkout. Customers can scan this QR code using a UPI app on their mobile phones to complete the payment.

Razorpay supports two flows for UPI QR payments:

• Non-Redirect Flow

  (Beta): Displays the QR directly on your checkout page.

• Redirect Flow

  : Redirects customers to Razorpay's payment page to display the QR.

Non-Redirect Flow (Beta)

Display UPI QR codes directly on your checkout page without redirecting customers to Razorpay's payment page. This flow allows you to:

• Receive a UPI intent URL from Razorpay.
• Convert it to a QR code on your checkout page.
• Keep customers on your site for a seamless experience.

Add the flow parameter to enable non-redirect flow:

razorpay.createPayment(
  {
    amount: 100000,  
    method: 'upi',
    email: 'gaurav.kumar@example.com',  
    contact: '+919000090000'  
  },
  {
    app: 'any',  
    flow: 'qr' // Enables non-redirect flow
  }
);

Redirect Flow

With this flow, customers are redirected to Razorpay's payment page where the QR code is displayed.

Sample QR Code on Checkout

Ensure that you invoke/activate the QR Code only after a user clicks Show QR Code.

Pass the qr parameter in the upi array as shown below:

razorpay.createPayment({
  amount: 5000,
  email: 'gaurav.kumar@example.com',
  contact: '+919000090000',
  order_id: 'order_9A33XWu170XXXX',
  method: 'upi',
  upi:
  {
    qr: true,
    timeout: 10
  }
});

Pay Later

You can enable your customers to make payments using the Pay Later service offered by various third-party providers such as:

Before you begin, follow the steps given below:

• Contact our

  Support Team

  to get this payment method enabled for your account.
• Customers should be registered account holders of the Pay Later service providers.

Sample Code

After creating an order and obtaining the customer's payment details, send the information to Razorpay to complete the payment. You can do this by invoking createPayment and passing method=paylater and provider=<provider_name>.

Available providers with provider code:

• LazyPay: lazypay
• PayPal: paypal

razorpay.createPayment({
  amount: 200000,
  currency: 'INR',
  email: 'gaurav.kumar@example.com',
  contact: '9111145678',
  order_id: 'order_DPzFe1Q1dEObDv',
  method: 'paylater',
  provider: <provider_code>
});

Emandate

You can accept recurring payments from your customers using emandate, card or upi as the method. For more information about authorisation and subsequent payments, refer to the

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 Dashboard.

Workflow

1. Create a customer

   .
2. Create an Order with method as emandate, nach or upi.
3. Collect authorisation transaction.
   • Using custom checkout.
   • Using an authorisation link.
4. Verify Tokens.
5. Charge subsequent payments.

Know more about

Collect Authorisation Transaction

Use the sample checkout code given below:

razorpay.createPayment({
  amount: 0,
  currency: 'INR',
  email: 'gaurav.kumar@example.com',
  contact: '9111145678',
  order_id: 'order_EAbtuXPh24LrEc',
  customer_id: 'cust_E9penp7VGhT5yt',
  recurring: '1',
  method: 'emandate',
  bank: 'HDFC',
  auth_type: 'netbanking',
  'bank_account[name]': 'Gaurav Kumar',
  'bank_account[account_number]': '1121431121541121',
  'bank_account[account_type]': 'savings',
  'bank_account[ifsc]': 'HDFC0000001'
});

CRED

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

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

  Create Payment Method

  .

1. 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.

Request Parameters

2. Pass Method and Provider Parameters During Payment Creation

razorpay.createPayment({
  amount: 12340,
  currency: 'INR',
  email: 'gaurav.kumar@example.com',
  contact: '9111145678',
  order_id: 'order_EAbtuXPh24LrEc',
  method: 'app',
  provider: 'cred'
});

Request Parameters

Along with the other checkout options, you must pass: