Payments

Payment Methods

Apple Pay

Custom Integration

Apple Pay - Custom Integration (Beta)

Accept Apple Pay payments from international customers with Razorpay Custom Checkout Integration.

Apple Pay is a secure, contactless payment method that allows customers to pay using their Apple devices with Face ID/Touch ID authentication. Once integrated, Apple Pay provides customers with a seamless and high-trust checkout experience. Know more about

Apple Pay

.

Apple Pay integration works seamlessly with your existing international card payment flow. Simply add our Apple Pay button to your Razorpay Custom Checkout and include one additional parameter in your payment request.

Advantages

  • Accept payments in 120+ currencies from international customers.
  • Reduce checkout time by up to 75% with one-touch payments.
  • Leverage biometric authentication (Face ID/Touch ID) for enhanced security.
  • Go live quickly with minimal code changes to your existing custom integration.
  • No need to handle Apple certificates or domain verification - Razorpay manages it all.

Prerequisites

Before you begin the integration, ensure you have:

  • Existing Razorpay Custom Checkout Integration
    : Active Custom Checkout integration with Razorpay.
  • International Payments Enabled: Must be activated on your Razorpay account.
  • HTTPS Protocol: Your website must be served over HTTPS for security compliance.
  • Generate the

    API Keys

    from the Dashboard. To go live with the integration and start accepting real payments, generate Live Mode API Keys and replace them in the integration.

Integration Steps

Follow the steps given below to integrate Custom Checkout in your site:

1.1 Create an Order in Server

Order is an important step in the payment process.

  • An order should be created for every payment.
  • You can create an order using the

    Orders API

    . It is a server-side API call. Know how to

    authenticate

    Orders API.
  • The order_id received in the response should be passed to the checkout. This ties the Order with the payment and secures the request from being tampered.

Watch Out!

Payments made without an order_id cannot be captured and will be automatically refunded. You must create an order before initiating payments to ensure proper payment processing.

API Sample Code

The following is a sample API request and response for creating an order:

curl -X POST https://api.razorpay.com/v1/orders
-u [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-H 'content-type:application/json'
-d '{
  "amount": 50000,
  "currency": "INR",
  "receipt": "receipt#1111",
  "partial_payment": false,
  "customer_details": {
    "name": "Gaurav Kumar",
    "contact": "+919000090000",
    "email": "gauravkumar@example.com",
    "insights": {
      "order_count": "22",
      "chargeback_count": "4",
      "tier": "gold",
      "booking_channel": "agent",
      "has_account": true,
      "registered_at": 1234567890
    },
    "shipping_address": {
      "line1": "Mantri apartment",
      "line2": "Koramangala",
      "city": "Bengaluru",
      "country": "IND",
      "state": "Karnataka",
      "zipcode": "560032",
      "latitude": null,
      "longitude": null
    },
    "billing_address": {
      "line1": "Mantri apartment",
      "line2": "Koramangala",
      "city": "Bengaluru",
      "country": "IND",
      "state": "Karnataka",
      "zipcode": "560032",
      "latitude": null,
      "longitude": null
    }
  },
  "shipping_details": {
    "method": "sameday",
    "gift_wrap": false
  },
  "line_items_total": 5000,
  "line_items": [
    {
      "type": "e_commerce",
      "sku": "1gr367",
      "name": "TEST",
      "description": "TEST",
      "quantity": 1,
      "image_url": "http://url",
      "product_url": "http://url",
      "price": 5000,
      "offer_price": 5000,
      "tax_amount": 0,
      "e_commerce": {
        "other_product_codes": {
          "upc": "12r34",
          "ean": "123r4",
          "unspsc": "123s4"
        }
      }
    }
  ],
  "refund_allowed": "full",
  "campaign": {
    "external_campaign_id": "PQR1234",
    "name": "",
    "description": "",
    "channel": "",
    "source": "website",
    "medium": ""
  },
  "notes": {
    "key1": "value3",
    "key2": "value2"
  }
}'

Request Parameters

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. In the case of three decimal currencies, such as KWD, BHD and OMR, to accept a payment of 295.991, pass the value as 295990. And in the case of zero decimal currencies such as JPY, to accept a payment of 295, pass the value as 295.

Watch Out!

As per payment guidelines, you should pass the last decimal number as 0 for three decimal currency payments. For example, if you want to charge a customer 99.991 KD for a transaction, you should pass the value for the amount parameter as 99990 and not 99991.

currency

mandatory

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

list of supported currencies

. The length must be 3 characters.

Handy Tips

Razorpay has added support for zero decimal currencies, such as JPY, and three decimal currencies, such as KWD, BHD, and OMR, allowing businesses to accept international payments in these currencies. Know more about

Currency Conversion

(May 2024).

receipt

optional

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

partial_payment

optional

boolean Indicates whether the customer can make a partial payment. Possible values:

  • true: The customer can make partial payments.
  • false (default): The customer cannot make partial payments.

customer_details

optional

json object Details about the customer/user.

name

optional

string The customer’s name. For example, Gaurav Kumar.

contact

optional

string The customer's phone number. A maximum length of 15 characters, including country code. For example, +919000090000.

email

optional

string The customer’s email address. For example, gaurav.kumar@example.com.

insights

optional

json object Additional details of the customer, including past transaction data.

order_count

optional

integer Total orders placed by the account so far on the merchant platform. For example, 22.

chargeback_count

optional

integer Total chargeback received for the customer account on the merchant platform. For example, 4.

tier

optional

string Your company's passenger classification, such as with a frequent flyer program. In this case, you might use values such as:

  • standard
  • gold
  • platinum

booking_channel

optional

string To share if the user is an agent, corporate, or individual. Possible values:

  • agent
  • corporate
  • individual

has_account

optional

boolean To denote if the buyer is on guest checkout or has logged into the account. Possible values:

  • true: If the user is logged into the account.
  • false: If the user is on guest checkout.

registered_at

optional

integer UNIX timestamp when the customer account was created with the merchant. For example, 1234567890.

shipping_address

optional

Json object This will have details about the order's shipping address.

line1

optional

string Address Line 1 of the address.

line2

optional

string Address Line 2 of the address.

city

optional

string City of the address. For example, Bengaluru.

country

optional

string ISO3 country code of the billing address. For example, IND.

state

optional

string Name of the state. For example, KA.

zipcode

optional

string Zipcode of the state. For example, 560068.

latitude

optional

float Latitude of the position expressed in decimal degrees (WSG 84), for example, 6.244203. A positive value denotes the northern hemisphere or the equator, and a negative value denotes the southern hemisphere. The number of digits represents the precision of the coordinate.

longitude

optional

float Longitude of the position expressed in decimal degrees (WSG 84), for example, -75.581211. A positive value denotes east longitude or the prime meridian, and a negative value denotes west longitude. The number of digits represents the precision of the coordinate.

billing_address

optional

Json object This will have details about the billing address of the customer/user.

line1

optional

string Address Line 1 of the address.

line2

optional

string Address Line 2 of the address.

city

optional

string City of the address. For example, Bengaluru.

country

optional

string ISO3 country code of the billing address. For example, IND.

state

optional

string Name of the state. For example, KA.

zipcode

optional

string Zipcode of the state. For example, 560001.

latitude

optional

float Latitude of the position expressed in decimal degrees (WSG 84), for example, 6.244203. A positive value denotes the northern hemisphere or the equator, and a negative value denotes the southern hemisphere. The number of digits represents the precision of the coordinate.

longitude

optional

float Longitude of the position expressed in decimal degrees (WSG 84), for example, -75.581211. A positive value denotes east longitude or the prime meridian, and a negative value denotes west longitude. The number of digits represents the precision of the coordinate.

shipping_details

optional

Json object This will have the order's shipping details.

method

optional

enum Shipping method for the product. Possible values:

  • lowcost: Lowest-cost service.
  • sameday: Courier or same-day service.
  • oneday: Next-day or overnight service.
  • twoday: Two-day service.
  • threeday: Three-day service.
  • pickup: Store pick-up.
  • other: Other shipping method.
  • none: No shipping method because the product is a service or subscription.

gift_wrap

optional

boolean Indicates whether the customer requested gift wrapping for this purchase. This field can contain one of the following values:

  • 1: The customer requested gift wrapping.
  • 0: The customer did not request gift wrapping.

line_items_total

optional

integer Total sum of the cart value.

line_items

mandatory

json object Details about the specific items added to the cart.

type

mandatory

string Defines the category type. Possible values:

  • travel
  • hotel
  • e_commerce
  • mutual_fund

sku

optional

string The unique product id defined by the business.

name

optional

string The name of the product.

description

optional

string Description of the product.

quantity

optional

integer Number of tickets/items/quantity to be purchased.

image_url

optional

string URL of the product image.

product_url

optional

string URL of the product’s listing page.

price

optional

integer Unit price of the product in paisa. (needs to be inclusive of tax)

offer_price

optional

integer Offer price of the product. The offer price can be lower than the price if the business runs a discount on the product.

tax_amount

optional

integer Tax amount that needs to be added to the product. In case the offer_price is tax-inclusive, keep it blank.

e_commerce

optional

json object Details about the type-specific data points. Will vary based on the type selected.

other_product_codes

optional

object Array to collect different codes that can identify the item type. Possible values:

upc

optional

string Universal Product Code (UPC; redundantly: UPC code) is a barcode symbology used worldwide to track trade items in stores. UPC consists of 12 numeric digits that are uniquely assigned to each trade item

ean

optional

string European Article Numbers (EAN) is a type of barcode that encodes an article number. Contains 8 (EAN-8) or 13 (EAN-13) numerical digits.

unspsc

optional

string The United Nations Standard Products and Services Code (UNSPSC) is a taxonomy of products and services used in eCommerce. It is a four-level hierarchy coded as an eight-digit number, with an optional fifth level adding two more digits.

refund_allowed

optional

string Denotes if the cart items are refundable or not. Possible values:

  • full
  • partial
  • not_allowed

campaign

optional

JSON object Details of the campaign. *Can be extended to share UTM parameters.

external_campaign_id

optional

string Unique identifier of the campaign. For example, PQR12453.

name

optional

string Name of the campaign.

description

optional

string A human-readable description of the campaign.

channel

optional

string The marketing channel used.

source

optional

string The referrer of the marketing event. Example values: google, newsletter.

medium

optional

string The medium that the campaign is using. Example values: cpc, banner, etc.

notes

optional

json 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”.

Response Parameters

amount

integer The transaction amount, expressed in the currency subunit. For example, for an actual amount of ₹299.35, the value of this field should be 29935.

amount_due

integer The amount pending against the order.

amount_paid

integer The amount paid against the order.

attempts

integer The number of payment attempts, successful and failed, that have been made against this order.

created_at

integer The UNIX timestamp at which the order is created.

currency

mandatory

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

list of supported currencies

. Length must be of 3 characters.

entity

string Name of the entity. Here, it is order.

id

string The unique identifier of the order.

notes

json 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”.

offer_id

string The unique identifier of the offer.

receipt

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

status

string The status of the order. Possible values:

  • created: When you create an order, it is in the created state. It stays in this state till a payment is attempted on it.
  • attempted: An order moves from created to attempted state when a payment is first attempted on it. It remains in the attempted state till one payment associated with that order is captured.
  • paid: After the successful capture of the payment, the order moves to the paid state. No further payment requests are permitted once the order moves to the paid state. The order stays in the paid state even if the payment associated with the order is refunded.

Error Response Parameters

The error response parameters are available in the

API Reference Guide

.

1.2 Fetch Payment Methods

When creating a custom checkout form, display only the activated methods to the customer. Use the below methods to fetch all payments methods available to you:

var razorpay = new Razorpay({
  key: '<YOUR_KEY_ID>',
    // logo, displayed in the popup
  image: 'https://i.imgur.com/n5tjHFD.jpg',
});
razorpay.once('ready', function(response) {
  console.log(response.methods);
})

Know more about

the various payment methods

offered by Razorpay.

1.3 Invoke Checkout and Pass Order Id and Other Options to it

1.3.1 Include JavaScript code in your Webpage

Include the following script, preferably in the <head> section of your page:

<script type="text/javascript" src="https://checkout.razorpay.com/v1/razorpay.js"></script>

Handy Tips

  • Include the script from https://checkout.razorpay.com/v1/razorpay.js instead of serving a copy from your server. This allows the library's new updates and bug fixes to fit your application automatically.
  • We always maintain backward compatibility with our code.

1.3.2 Add Apple Pay Button to Your Checkout

Add the Apple Pay button to your checkout page to provide customers with the payment option.

Button Design Guidelines

Watch Out!

Use only Razorpay-provided Apple Pay button designs for both web and SDK implementations.

  • Follow official

    Apple Pay guidelines

    for button usage and placement.
  • Use Apple Pay button designs provided by Razorpay (see design below).
    Apple Pay Button design
  • Maintain consistent sizing with other payment options.
  • Position prominently in your payment methods section.

When to Display the Button

  1. Integrate

    Apple Pay JS API

    .
  2. Perform

    Apple Pay capabilities

    check.
  3. Follow the display conditions below:
  • If it returns paymentCredentialsAvailable, show button.
  • If it returns paymentCredentialStatusUnknown, optionally show button (use this option only if you want customers to go through adding a new card journey, not recommended in the initial 2 months due to increased friction).

1.3.3 Instantiate Custom Checkout

var razorpay = new Razorpay({
  key: '<YOUR_KEY_ID>',
    // logo, displayed in the payment processing popup
  image: 'https://i.imgur.com/n5tjHFD.jpg',
});

Checkout Options

While building a custom UI for accepting payments from your customers, you should be familiar with the fields supported in the razorpay.js script.

Checkout Parameters

key

mandatory

string API Key ID generated from Dashboard → Account & Settings →

API Keys

.

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. In the case of three decimal currencies, such as KWD, BHD and OMR, to accept a payment of 295.999, pass the value as 295999. And in the case of zero decimal currencies such as JPY, to accept a payment of 295, pass the value as 295.

Watch Out!

As per VISA Guidelines, you should pass the last decimal number as 0 for three decimal currency payments. For example, if you want to charge a customer 99.991 KD for a transaction, you should pass the value for the amount parameter as 99990 and not 99991.

currency

mandatory

string The currency in which the payment should be made by the customer. For example, INR. See the list of

supported currencies

.

Handy Tips

Razorpay has added support for zero decimal currencies, such as JPY, and three decimal currencies, such as KWD, BHD, and OMR, allowing businesses to accept international payments in these currencies. Know more about

Currency Conversion

(April 2023).

description

optional

string Description of the product shown in the Checkout form. It must start with an alphanumeric character.

image

optional

string Link to an image (usually your business logo) shown in the Checkout form. Can also be a base64 string, if loading the image from a network is not desirable.

order_id

mandatory

string Order ID generated via the

Orders API

.

notes

optional

object Set of key-value pairs that can be used to store additional information about the payment. It can hold a maximum of 15 key-value pairs, each 256 characters long (maximum).

method

mandatory

string The payment method used by the customer on Checkout.
Possible values:

  • card (default)
  • upi (default)
  • netbanking (default)
  • wallet (default)
  • emi (default)
  • cardless_emi (requires

    approval

    )
  • paylater (requires

    approval

    )
  • emandate (requires

    approval

    )

card

mandatory if method=card/emi

object The details of the card that should be entered while making the payment.

number

integer Unformatted card number.

name

string The name of the cardholder.

expiry_month

integer Expiry month for card in MM format.

expiry_year

integer Expiry year for card in YY format.

cvv

integer CVV printed on the back of the 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.

emi_duration

integer Defines the number of months in the EMI plan.

method

mandatory

string Name of the payment method. Possible value is card.

app

mandatory

object Container object for payment app configuration.

name

mandatory

string Name of the app. Here it is apple_pay.

bank_account

mandatory if method=emandate

The details of the bank account that should be passed in the request. These details include bank account number, IFSC code and the name of the customer associated with the bank account.

account_number

string Bank account number used to initiate the payment.

ifsc

string IFSC of the bank used to initiate the payment.

name

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

bank

mandatory if method=netbanking

string Bank code. List of available banks enabled for your account can be fetched via

methods
.

wallet

mandatory if method=wallet

string Wallet code for the wallet used for the payment. Possible values:

provider

mandatory if method=cardless_emi/paylater

string Name of the cardless EMI provider partnered with Razorpay.

Available options for Cardless EMI (requires

approval

):

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

Available options for Pay Later:

  • lazypay
  • paypal

vpa

mandatory if method=upi

string UPI ID used for making the payment on the UPI app.

callback_url

optional

string The URL to which the customer must be redirected upon completion of payment. The URL must accept incoming POST requests. The callback URL will have razorpay_payment_id, razorpay_order_id and razorpay_signature as the request parameters for a successful payment.

redirect

conditionally mandatory

boolean Determines whether customer should be redirected to the URL mentioned in the callback_url parameter. This is mandatory if callback_url parameter is used. Possible values:

  • true: Customer will be redirected to the callback_url.
  • false: Customer will not be redirected to the callback_url

1.3.4 Submit Payment Details

After creating an order and obtaining the customer's payment details, send the information to Razorpay to complete the payment. The data that needs to be submitted depends on the customer's payment method. You can do this by invoking createPayment method.

var data = {
  amount: 1000, // in currency subunits. Here 1000 = 1000 paise, which equals to ₹10
  currency: "INR",// Default is INR. We support more than 90 currencies.
  email: 'gaurav.kumar@example.com',
  contact: '9123456780',
  notes: {
    address: 'Ground Floor, SJR Cyber, Laskar Hosur Road, Bengaluru',
  },
  order_id: 'order_CuEzONfnOI86Ab',// Replace with Order ID generated in Step 4
  method: 'card',
  // method specific fields
  app: {
    name: "apple_pay"
  }
};
var btn = document.querySelector('#btn');
btn.addEventListener('click', function(){
  // has to be placed within user initiated context, such as click, in order for popup to open.
  razorpay.createPayment(data);
  razorpay.on('payment.success', function(resp) {
    alert(resp.razorpay_payment_id),
    alert(resp.razorpay_order_id),
    alert(resp.razorpay_signature)}); // will pass payment ID, order ID, and Razorpay signature to success handler.
  razorpay.on('payment.error', function(resp){alert(resp.error.description)}); // will pass error object to error handler
})

Watch Out!

The createPayment method should be called within an event listener triggered by user action to prevent the popup from being blocked. For example:


$('button').click( function (){ razorpay.createPayment(...) })

Handy Tips

  • Handler Function
    When you use the handler function, the response object of the successful payment (razorpay_payment_id, razorpay_order_id and razorpay_signature) is submitted to the Checkout Form. You need to collect these and send them to your server.
  • Callback URL
    When you use a callback URL, Razorpay makes a post call to the callback URL, with the razorpay_payment_id, razorpay_order_id and razorpay_signature in the response object of the successful payment (razorpay_payment_id and razorpay_order_id).

1.4 Store Fields in Your Server

A successful payment returns the following fields to the Checkout form.

Success Callback

  • You need to store these fields in your server.
  • You can confirm the authenticity of these details by verifying the signature in the next step.

razorpay_payment_id

string Unique identifier for the payment returned by Checkout only for successful payments.

razorpay_order_id

string Unique identifier for the order returned by Checkout.

razorpay_signature

string Signature returned by the Checkout. This is used to verify the payment.

Failure Response

A failed payment returns an error response.

{
  "error": {
    "code": "BAD_REQUEST_ERROR",
    "description": "Authentication failed due to incorrect otp",
    "field": null,
    "source": "customer",
    "step": "payment_authentication",
    "reason": "invalid_otp",
    "metadata": {
      "payment_id": "pay_EDNBKIP31Y4jl8",
      "order_id": "order_DBJKIP31Y4jl8"
    }
  }
}

Know more about

Error Codes

.

1.5 Verify Payment Signature

This is a mandatory step to confirm the authenticity of the details returned to the Checkout form for successful payments.

To verify the razorpay_signature returned to you by the Checkout form:

  1. Create a signature in your server using the following attributes:

    • order_id: Retrieve the order_id from your server. Do not use the razorpay_order_id returned by Checkout.
    • razorpay_payment_id: Returned by Checkout.
    • key_secret: Available in your server. The key_secret that was generated from the

      Dashboard

      .

  2. Use the SHA256 algorithm, the razorpay_payment_id and the order_id to construct a HMAC hex digest as shown below:

    generated_signature = hmac_sha256(order_id + "|" + razorpay_payment_id, secret);
    

      if (generated_signature == razorpay_signature) {
        payment is successful
      }

  3. If the signature you generate on your server matches the razorpay_signature returned to you by the Checkout form, the payment received is from an authentic source.

Generate Signature on Your Server

Given below is the sample code for payment signature verification:

RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");


String secret = "EnLs21M47BllR3X8PSFtjtbd";


JSONObject options = new JSONObject();
options.put("razorpay_order_id", "order_IEIaMR65cu6nz3");
options.put("razorpay_payment_id", "pay_IH4NVgf4Dreq1l");
options.put("razorpay_signature", "0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50f");


boolean status =  Utils.verifyPaymentSignature(options, secret);

Post Signature Verification

After you have completed the integration, you can

set up webhooks

, make test payments, replace the test key with the live key and integrate with other

APIs

.

1.6 Verify Payment Status

Handy Tips

On the Razorpay Dashboard, ensure that the payment status is captured. Refer to the payment capture settings page to know how to

capture payments automatically

.

You can track the payment status in three ways:

To verify the payment status from the Razorpay Dashboard:

  1. Log in to the Razorpay Dashboard and navigate to Transactions → Payments.
  2. Check if a Payment Id has been generated and note the status. In case of a successful payment, the status is marked as Captured.
Payment details on Dashboard

Next Steps

Step 2: Test Integration

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