Payment Methods - Razorpay

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:

API Version | Endpoint

Redirect | https://api.razorpay.com/v1/payments/create/redirect

JSON V1 and V2 | https://api.razorpay.com/v1/payments/create/json

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, INR. 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. 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. 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
netbanking
wallet
emi
upi
cardless_emi
paylater

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.

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.

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 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

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": "4386289407660153",
    	"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
}'

```java: Java
import org.json.JSONObject;
import com.razorpay.Payment;
import com.razorpay.RazorpayClient;
import com.razorpay.RazorpayException;

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

JSONObject paymentRequest = new JSONObject();
paymentRequest.put("amount", 100);
paymentRequest.put("currency", "INR");
paymentRequest.put("contact", "9000090000");
paymentRequest.put("email", "gaurav.kumar@example.com");
paymentRequest.put("order_id", "order_DPzFe1Q1dEOKed");
paymentRequest.put("method", "card");

JSONObject card = new JSONObject();
card.put("number", "4386289407660153");
card.put("name", "Gaurav");
card.put("expiry_month", 11);
card.put("expiry_year", 30);
card.put("cvv", 100);
paymentRequest.put("card", card);

JSONObject authentication = new JSONObject();
authentication.put("authentication_channel", "browser");
paymentRequest.put("authentication", authentication);

JSONObject browser = new JSONObject();
browser.put("java_enabled", false);
browser.put("javascript_enabled", false);
browser.put("timezone_offset", 11);
browser.put("color_depth", 23);
browser.put("screen_width", 23);
browser.put("screen_height", 100);
paymentRequest.put("browser", browser);

Payment payment = instance.payments.createJsonPayment(paymentRequest);

```csharp: .NET
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary paymentRequest = new Dictionary();
paymentRequest.Add("amount", 100);
paymentRequest.Add("currency", "INR");
paymentRequest.Add("contact", "9900008989");
paymentRequest.Add("email", "gaurav.kumar@example.com");
paymentRequest.Add("order_id", "order_DPzFe1Q1dEOKed");
paymentRequest.Add("method", "card");

Dictionary card = new Dictionary();
card.Add("number", "4386289407660153");
card.Add("name", "Gaurav");
card.Add("expiry_month", "11");
card.Add("expiry_year", "30");
card.Add("cvv", "100");
paymentRequest.Add("card", card);

Dictionary authentication = new Dictionary();
authentication.Add("authentication_channel", "browser");
paymentRequest.Add("authentication", authentication);

Dictionary browser = new Dictionary();
browser.Add("java_enabled", false);
browser.Add("javascript_enabled", false);
browser.Add("timezone_offset", 11);
browser.Add("color_depth", 23);
browser.Add("screen_width", 23);
browser.Add("screen_height", 100);
paymentRequest.Add("browser", browser);

Payment payment = client.Payment.CreateJsonPayment(paymentRequest);

```php: PHP
$api = new Api($key_id, $secret);

$api->payment->createPaymentJson(array('amount'=>100,'currency'=>'INR','contact'=>'9900008989','email'=>'gaurav.kumar@example.com','order_id'=>'order_DPzFe1Q1dEOKed','method'=>'card','card'=>array('number'=>'4386289407660153','name'=>'Gaurav','expiry_month'=>11,'expiry_year'=>30,'cvv'=>100,),'authentication'=>array('authentication_channel'=>'browser',),'browser'=>array('java_enabled'=>false,'javascript_enabled'=>false,'timezone_offset'=>11,'color_depth'=>23,'screen_width'=>23,'screen_height'=>100,)));

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

var data = {
    "amount": 100,
    "currency": "INR",
    "contact": "9900008989",
    "email": "gaurav.kumar@example.com",
    "order_id": "order_DPzFe1Q1dEOKed",
    "method": "card",
    "card": {
        "number": "4386289407660153",
        "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
    }
};

instance.payments.createPaymentJson(data);

```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

data = {
    "amount": 100,
    "currency": "INR",
    "contact": "9900008989",
    "email": "gaurav.kumar@example.com",
    "order_id": "order_DPzFe1Q1dEOKed",
    "method": "card",
    "card": {
        "number": "4386289407660153",
        "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
    }
}

client.payment.createPaymentJson(data)

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
    "amount": 100,
    "currency": "INR",
    "contact": "9900008989",
    "email": "gaurav.kumar@example.com",
    "order_id": "order_DPzFe1Q1dEOKed",
    "method": "card",
    "card": {
        "number": "4386289407660153",
        "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
    }
}

Razorpay::Payment.create_json_payment(para_attr)

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

para_attr := map[string]interface{}{
    "amount": 100,
    "currency": "INR",
    "contact": "9900008989",
    "email": "gaurav.kumar@example.com",
    "order_id": "order_DPzFe1Q1dEOKed",
    "method": "card",
    "card": map[string]interface{}{
        "number": "4386289407660153",
        "name": "Gaurav",
        "expiry_month": 11,
        "expiry_year": 30,
        "cvv": 100,
    },
    "authentication": map[string]interface{}{
        "authentication_channel": "browser",
    },
    "browser": map[string]interface{}{
        "java_enabled": false,
        "javascript_enabled": false,
        "timezone_offset": 11,
        "color_depth": 23,
        "screen_width": 

```json: Response
{
  "next": [
    {
      "action": "redirect",
      "url": "https://api.razorpay.com/v1/payments/LdDXnHYxjDwQ1b/authenticate?rearch=1"
    },
    {
      "action": "otp_generate",
      "url": "https://api.razorpay.com/pg_router/v1/payments/pay_LdDXnHYxjDwQ1b/otp_generate?key_id=rzp_live_XXXXXXXXXXXXXX"
    }
  ],
  "razorpay_payment_id": "pay_LdDXnHYxjDwQ1b"
}

Supported Card Networks

List of supported card networks:

Visa
Mastercard
American Express
Bajaj
Maestro
Rupay
Diners

Netbanking

Given below is the sample code for netbanking payments. Pass the value for the bank parameter as shown below:

Curl

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"
}'

```java: Java
import org.json.JSONObject;
import com.razorpay.Payment;
import com.razorpay.RazorpayClient;
import com.razorpay.RazorpayException;
RazorpayClient instance = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject paymentRequest = new JSONObject();
paymentRequest.put("amount", "100");
paymentRequest.put("currency", "INR");
paymentRequest.put("email", "gaurav.kumar@example.com");
paymentRequest.put("contact", "9000090000");
paymentRequest.put("order_id", "order_EAkbvXiCJlwhHR");
paymentRequest.put("method", "netbanking");
paymentRequest.put("bank", "HDFC");

Payment payment = instance.payments.createJsonPayment(paymentRequest);

```csharp: .NET
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary paymentRequest = new Dictionary();
paymentRequest.Add("amount", "100");
paymentRequest.Add("currency", "INR");
paymentRequest.Add("email", "gaurav.kumar@example.com");
paymentRequest.Add("contact", "9000090000");
paymentRequest.Add("order_id", "order_EAkbvXiCJlwhHR");
paymentRequest.Add("method", "netbanking");
paymentRequest.Add("bank", "HDFC");

Payment payment = client.Payment.CreateJsonPayment(paymentRequest);

```php: PHP
$api = new Api($key_id, $secret);

$api->payment->createPaymentJson(array(
    'amount' => '100',
    'currency' => 'INR',
    'email' => 'gaurav.kumar@example.com',
    'contact' => '9000090000',
    'order_id' => 'order_EAkbvXiCJlwhHR',
    'method' => 'netbanking',
    'bank' => 'HDFC',
));

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

var data = {
    "amount": "100",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "netbanking",
    "bank": "HDFC"
};

instance.payments.createPaymentJson(data);

```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

data = {
    "amount": "100",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "netbanking",
    "bank": "HDFC"
}

client.payment.createPaymentJson(data)

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
    "amount": "100",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "netbanking",
    "bank": "HDFC"
}

Razorpay::Payment.create_json_payment(para_attr)

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

para_attr := map[string]interface{}{
    "amount": "100",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "netbanking",
    "bank": "HDFC",
}

body, err := client.Payment.CreatePaymentJson(para_attr, nil)

```json: Response
{
  "razorpay_payment_id": "pay_LH5u4G73PdHG6s",
  "next": [
    {
      "action": "redirect",
      "url": "https://api.razorpay.com/v1/payments/LH5u4G73PdHG6s/authenticate"
    }
  ]
}

Supported Banks

Fetch the supported bank codes using the Methods API.

EMI

Given below is the sample code for EMI payments. Pass the card details along with these parameters:

method
emi_duration

Curl

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": "4386289407660153",
        "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
}'

```java: Java
import org.json.JSONObject;
import com.razorpay.Payment;
import com.razorpay.RazorpayClient;
import com.razorpay.RazorpayException;
RazorpayClient instance = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject paymentRequest = new JSONObject();
paymentRequest.put("amount", 100);
paymentRequest.put("currency", "INR");
paymentRequest.put("contact", "9900008989");
paymentRequest.put("email", "gaurav.kumar@example.com");
paymentRequest.put("order_id", "order_DPzFe1Q1dEOKed");
paymentRequest.put("method", "emi");
paymentRequest.put("emi_duration", 9);

JSONObject card = new JSONObject();
card.put("number", "4386289407660153");
card.put("name", "Gaurav");
card.put("expiry_month", "11");
card.put("expiry_year", "2030");
card.put("cvv", "100");
paymentRequest.put("card", card);

JSONObject authentication = new JSONObject();
authentication.put("authentication_channel", "browser");
paymentRequest.put("authentication", authentication);

JSONObject browser = new JSONObject();
browser.put("java_enabled", false);
browser.put("javascript_enabled", false);
browser.put("timezone_offset", 11);
browser.put("color_depth", 23);
browser.put("screen_width", 

```csharp: .NET
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary paymentRequest = new Dictionary();
paymentRequest.Add("amount", 100);
paymentRequest.Add("currency", "INR");
paymentRequest.Add("contact", "9900008989");
paymentRequest.Add("email", "gaurav.kumar@example.com");
paymentRequest.Add("order_id", "order_DPzFe1Q1dEOKed");
paymentRequest.Add("method", "emi");
paymentRequest.Add("emi_duration", 9);

Dictionary card = new Dictionary();
card.Add("number", "4386289407660153");
card.Add("name", "Gaurav");
card.Add("expiry_month", "11");
card.Add("expiry_year", "30");
card.Add("cvv", "100");
paymentRequest.Add("card", card);

Dictionary authentication = new Dictionary();
authentication.Add("authentication_channel", "browser");
paymentRequest.Add("authentication", authentication);

Dictionary browser = new Dictionary();
browser.Add("java_enabled", false);
browser.Add("javascript_enabled", false);
browser.Add("timezone_offset", 11);
browser.Add("color_depth", 23);
browser.Add("screen_width", 23);
browser.Add("screen_height", 100);
paymentRequest.Add("browser", browser);

paymentRequest.Add("ip", "105.106.107.108");
paymentRequest.Add("referer", "https://merchansite.com/example/paybill");
paymentRequest.Add("user_agent", "Mozilla/5.0");

Payment payment = client.Payment.CreateJsonPayment(paymentRequest);

```php: PHP
$api = new Api($key_id, $secret);

$api->payment->createPaymentJson(array('amount'=>200000,'currency'=>'INR','contact'=>'9000090000','email'=>'gaurav.kumar@example.com','order_id'=>'order_DPzFe1Q1dEObeD','method'=>'emi','emi_duration'=>9,'card'=>array('number'=>'4386289407660153','name'=>'Gaurav','expiry_month'=>11,'expiry_year'=>30,'cvv'=>100,),'authentication'=>array('authentication_channel'=>'browser',),'browser'=>array('java_enabled'=>false,'javascript_enabled'=>false,'timezone_offset'=>11,'color_depth'=>23,'screen_width'=>23,'screen_height'=>100,),));

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

var data = {
    "amount": 200000,
    "currency": "INR",
    "contact": "9000090000",
    "email": "gaurav.kumar@example.com",
    "order_id": "order_DPzFe1Q1dEObeD",
    "method": "emi",
    "emi_duration": 9,
    "card": {
        "number": "4386289407660153",
        "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
    }
};

instance.payments.createPaymentJson(data);

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
    "amount": 200000,
    "currency": "INR",
    "contact": "9000090000",
    "email": "gaurav.kumar@example.com",
    "order_id": "order_DPzFe1Q1dEObeD",
    "method": "emi",
    "emi_duration": 9,
    "card": {
        "number": "4386289407660153",
        "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
    }
}

Razorpay::Payment.create_json_payment(para_attr)

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data = {
    "amount": 100,
    "currency": "INR",
    "contact": "9900008989",
    "email": "gaurav.kumar@example.com",
    "order_id": "order_DPzFe1Q1dEOKed",
    "method": "emi",
    "emi_duration": 9,
    "card": {
        "number": "4386289407660153",
        "name": "Gaurav",
        "expiry_month": "11",
        "expiry_year": "2030",
        "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
    }
}

client.payment.createPaymentJson(data)

```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

data = {
    "amount": 200000,
    "currency": "INR",
    "contact": "9000090000",
    "email": "gaurav.kumar@example.com",
    "order_id": "order_DPzFe1Q1dEObeD",
    "method": "emi",
    "emi_duration": 9,
    "card": {
        "number": "4386289407660153",
        "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
    }
}

client.payment.createPaymentJson(data)

```json: Response
{
  "razorpay_payment_id": "pay_LH60wSfk9n0H3U",
  "next": [
    {
      "action": "redirect",
      "url": "https://api.razorpay.com/v1/payments/LH60wSfk9n0H3U/authenticate"
    },
    {
      "action": "otp_generate",
      "url": "https://api.razorpay.com/v1/payments/pay_LH60wSfk9n0H3U/otp_generate?track_id=LH60wSfk9n0H3U&key_id=rzp_test_XXXXXXXXXXXXXX"
    }
  ]
}

EMI Plans

Fetch the available EMI plans (for each supported bank) by invoking the Methods API. Extract the EMI plans from the response to be shown to your customers while making the payment.
Know more about EMI plans offered by OneCard and HSBC.

Cardless EMI

Given below is the sample code for Cardless EMI payments.

Handy Tips

Contact our Support Team to get the Cardless EMI payment method enabled for your account.
Customers should have accounts with the Cardless EMI payment partner.

Curl

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"
}'

```java: Java
import org.json.JSONObject;
import com.razorpay.Payment;
import com.razorpay.RazorpayClient;
import com.razorpay.RazorpayException;

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

JSONObject paymentRequest = new JSONObject();
paymentRequest.put("amount", 200000);
paymentRequest.put("currency", "INR");
paymentRequest.put("email", "gaurav.kumar@example.com");
paymentRequest.put("contact", "9000090000");
paymentRequest.put("order_id", "order_EAkbvXiCJlwhHR");
paymentRequest.put("method", "cardless_emi");
paymentRequest.put("bank", "zestmoney");

Payment payment = instance.payments.createJsonPayment(paymentRequest);

```csharp: .NET
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary paymentRequest = new Dictionary();
paymentRequest.Add("amount", "100");
paymentRequest.Add("currency", "INR");
paymentRequest.Add("email", "gaurav.kumar@example.com");
paymentRequest.Add("contact", "9000090000");
paymentRequest.Add("order_id", "order_EAkbvXiCJlwhHR");
paymentRequest.Add("method", "cardless_emi");
paymentRequest.Add("bank", "zestmoney");

Payment payment = client.Payment.CreateJsonPayment(paymentRequest);

```php: PHP
$api = new Api($key_id, $secret);

$api->payment->createPaymentJson(array(
    'amount' => '200000',
    'currency' => 'INR',
    'email' => 'gaurav.kumar@example.com',
    'contact' => '9000090000',
    'order_id' => 'order_EAkbvXiCJlwhHR',
    'method' => 'cardless_emi',
    'bank' => 'zestmoney',
));

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

var data = {
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "cardless_emi",
    "bank": "zestmoney"
};

instance.payments.createPaymentJson(data);

```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

data = {
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "cardless_emi",
    "bank": "zestmoney"
}

client.payment.createPaymentJson(data)

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "cardless_emi",
    "bank": "zestmoney"
}

Razorpay::Payment.create_json_payment(para_attr)

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

para_attr := map[string]interface{}{
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "cardless_emi",
    "bank": "zestmoney",
}

body, err := client.Payment.CreatePaymentJson(para_attr, nil)

```json: Response
{
  "razorpay_payment_id": "pay_LH62CGnxazBBkn",
  "next": [
    {
      "action": "redirect",
      "url": "https://api.razorpay.com/v1/payments/LH62CGnxazBBkn/authenticate"
    }
  ]
}

Supported Providers

List of supported Cardless EMI providers:

Banks | Provider Code | Minimum Order Amount

ICICI Bank | `icic` | ₹7000

IDFC Bank | `idfb` | ₹5000

HDFC Bank | `hdfc` | ₹5000

Kotak Bank| `kkbk` | ₹3000

axio | `walnut369` | ₹900

Fibe | `earlysalary` | ₹3000

ZestMoney | zestmoney | ₹3000

Wallet

Given below is the sample code for wallet payments. Pass the wallet provider name as shown:

Curl

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"
}'

```java: Java
import org.json.JSONObject;
import com.razorpay.Payment;
import com.razorpay.RazorpayClient;
import com.razorpay.RazorpayException;
RazorpayClient instance = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject paymentRequest = new JSONObject();
paymentRequest.put("amount", 200000);
paymentRequest.put("currency", "INR");
paymentRequest.put("email", "gaurav.kumar@example.com");
paymentRequest.put("contact", "9000090000");
paymentRequest.put("order_id", "order_EAkbvXiCJlwhHR");
paymentRequest.put("method", "wallet");
paymentRequest.put("bank", "payzapp");

Payment payment = instance.payments.createJsonPayment(paymentRequest);

```csharp: .NET
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary paymentRequest = new Dictionary();
paymentRequest.Add("amount", "200000");
paymentRequest.Add("currency", "INR");
paymentRequest.Add("email", "gaurav.kumar@example.com");
paymentRequest.Add("contact", "9000090000");
paymentRequest.Add("order_id", "order_EAkbvXiCJlwhHR");
paymentRequest.Add("method", "wallet");
paymentRequest.Add("bank", "payzapp");

Payment payment = client.Payment.CreateJsonPayment(paymentRequest);

```php: PHP
$api = new Api($key_id, $secret);

$api->payment->createPaymentJson(array(
    'amount' => '200000',
    'currency' => 'INR',
    'email' => 'gaurav.kumar@example.com',
    'contact' => '9000090000',
    'order_id' => 'order_EAkbvXiCJlwhHR',
    'method' => 'wallet',
    'bank' => 'payzapp',
));

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

var data = {
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "wallet",
    "bank": "payzapp"
};

instance.payments.createPaymentJson(data);

```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

data = {
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "wallet",
    "bank": "payzapp"
}

client.payment.createPaymentJson(data)

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "wallet",
    "bank": "payzapp"
}

Razorpay::Payment.create_json_payment(para_attr)

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

para_attr := map[string]interface{}{
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "wallet",
    "bank": "payzapp",
}

body, err := client.Payment.CreatePaymentJson(para_attr, nil)

```json: Response
{
  "razorpay_payment_id": "pay_LH66fCVePbPIN3",
  "next": [
    {
      "action": "redirect",
      "url": "https://api.razorpay.com/v1/payments/LH66fCVePbPIN3/authenticate"
    }
  ]
}

Supported Wallets

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 Support Team to enable such wallets.

Wallet Provider | Availability | Wallet Code

PayZapp | Requires approval | `payzapp`

Airtel Money | ✓ | `airtelmoney`

MobiKwik | ✓ | `mobikwik`

JioMoney | ✓ | `jiomoney`

Ola Money | ✓ | `olamoney`

Bajaj Pay | Requires approval | `bajajpay`

PhonePe | Requires approval | `phonepe`

PhonePe Switch | For businesses registered with PhonePe Switch only | `phonepeswitch`

PayPal | International Payments Only. Requires approval | `paypal`

Amazon Pay| Requires approval | amazonpay .

Wallet Provider | Wallet Code | Availability

PayZapp | `payzapp` | Requires approval (Reach out to support team)

Airtel Money | `airtelmoney` | ✓

MobiKwik | `mobikwik` | ✓

JioMoney| `jiomoney` | ✓

Ola Money | `olamoney` | ✓

PhonePe | `phonepe` | Requires approval (Reach out to support team)

PhonePe Switch | `phonepeswitch` | For businesses registered with PhonePe Switch only

PayPal | `paypal` | International Payments Only Requires approval (Reach out to support team)

Amazon Pay | amazonpay | Requires approval (Reach out to support team)

Handy TipsIntegrate your PayPal account with Razorpay Checkout to accept payments in international currencies.You can accept payments based on the transaction limit of your PayPal account.

UPI

Know about UPI Intent and UPI Collect.

UPI Collect Flow DeprecatedAccording to NPCI guidelines, the UPI Collect flow is being deprecated effective 28 February 2026. Customers can no longer make payments or register UPI mandates by manually entering VPA/UPI id/mobile numbers.Exemptions: UPI Collect will continue to be supported for:

MCC 6012 & 6211 (IPO and secondary market transactions).
iOS mobile app and mobile web transactions.
UPI Mandates (execute/modify/revoke operations only)
eRupi vouchers.
PACB businesses (cross-border/international payments).

Action Required:

If you are a new Razorpay user, use UPI Intent.
If you are an existing Razorpay user not covered by exemptions, you must migrate to UPI Intent or UPI QR code to continue accepting UPI payments. For detailed migration steps, refer to the migration documentation.

Pay Later

Given below is the sample code for Pay Later payments.

Handy Tips

Contact our Support Team 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=.

Curl

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": ""
}'

```java: Java
import org.json.JSONObject;
import com.razorpay.Payment;
import com.razorpay.RazorpayClient;
import com.razorpay.RazorpayException;
RazorpayClient instance = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject paymentRequest = new JSONObject();
paymentRequest.put("amount", 200000);
paymentRequest.put("currency", "INR");
paymentRequest.put("email", "gaurav.kumar@example.com");
paymentRequest.put("contact", "9000090000");
paymentRequest.put("order_id", "order_EAkbvXiCJlwhHR");
paymentRequest.put("method", "paylater");
paymentRequest.put("provider", "");

Payment payment = instance.payments.createJsonPayment(paymentRequest);

```csharp: .NET
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary paymentRequest = new Dictionary();
paymentRequest.Add("amount", "200000");
paymentRequest.Add("currency", "INR");
paymentRequest.Add("email", "gaurav.kumar@example.com");
paymentRequest.Add("contact", "9000090000");
paymentRequest.Add("order_id", "order_EAkbvXiCJlwhHR");
paymentRequest.Add("method", "paylater");
paymentRequest.Add("provider", "");

Payment payment = client.Payment.CreateJsonPayment(paymentRequest);

```php: PHP
$api = new Api($key_id, $secret);

$api->payment->createPaymentJson(array(
    'amount' => '200000',
    'currency' => 'INR',
    'email' => 'gaurav.kumar@example.com',
    'contact' => '9000090000',
    'order_id' => 'order_EAkbvXiCJlwhHR',
    'method' => 'paylater',
    'provider' => ''
));

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

var data = {
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "paylater",
    "provider": ""
};

instance.payments.createPaymentJson(data);

```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

data = {
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "paylater",
    "provider": ""
}

client.payment.createPaymentJson(data)

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = data = {
  "amount": "200000",
  "currency": "INR",
  "email": "gaurav.kumar@example.com",
  "contact": "9000090000",
  "order_id": "order_EAkbvXiCJlwhHR",
  "method": "paylater",
  "provider": ""
}

Razorpay::Payment.create_json_payment(para_attr)

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

para_attr := map[string]interface{}{
    "amount": "200000",
    "currency": "INR",
    "email": "gaurav.kumar@example.com",
    "contact": "9000090000",
    "order_id": "order_EAkbvXiCJlwhHR",
    "method": "paylater",
    "provider": "",
}

body, err := client.Payment.CreatePaymentJson(para_attr, nil)

```json: Response
{
  "razorpay_payment_id": "pay_LH691g8owT4PUh",
  "next": [
    {
      "action": "redirect",
      "url": "https://api.razorpay.com/v1/payments/LH691g8owT4PUh/authenticate"
    }
  ]
}

Supported Providers

Provider | Provider Code | Availability | Minimum Transaction | Maximum Transaction

LazyPay | `lazypay` | Requires Approval | ₹1 | ₹10,000

PayPal | paypal | Requires Approval | ₹100 | Based on the customer’s approved limit.

CRED

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.

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. /orders

Curl

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
}'
```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.order.create({
  "amount": 1000,
  "currency": "INR",
  "receipt": "receipt#1",
  "app_offer": true
 })
```php: PHP 
$api = new Api($key_id, $secret);

$api->order->create(array('receipt' => 'receipt#1', 'amount' => 1000, 'currency' => 'INR', 'app_offer'=> true));

```csharp: .NET 
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary options = new Dictionary();
options.Add("amount", 1000); // amount in the smallest currency unit
options.Add("receipt", "receipt#1");
options.Add("currency", "INR");
options.Add("app_offer", true);
Order order = client.Order.Create(options);

```js: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.orders.create({
  amount: 1000,
  currency: "INR",
  receipt: "receipt#1",
  app_offer: true
})

```go: go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
  "amount": 1000,
  "currency": "INR",
  "receipt": "receipt#1",
  "app_offer": true
}
body, err := client.Order.Create(data, nil)

```ruby: Ruby 
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

order = Razorpay::Order.create amount: 1000, currency: 'INR', receipt: 'receipt#1', app_offer: true

```java: Java
RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject orderRequest = new JSONObject();
orderRequest.put("amount", 1000); // amount in the smallest currency unit
orderRequest.put("currency", "INR");
orderRequest.put("receipt", "receipt#1");
orderRequest.put("app_offer", true);

Order order = razorpay.orders.create(orderRequest);

```json: Response
{
  "id": "order_FNPoKwCtPyhJOt",
  "entity": "order",
  "amount": 1000,
  "amount_paid": 0,
  "amount_due": 1000,
  "currency": "INR",
  "receipt": null,
  "status": "created",
  "attempts": 0,
  "notes": [],
  "created_at": 1596703420
}

Request Parameters

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 list of supported currencies. 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”.

Pass method and provider Parameters in Create Payments API

Create Payment

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"
}'
```json: Response
{
  "razorpay_payment_id": "pay_xxxx",
  "next": [
    {
      "action": "poll",
      "url": "https://api.razorpay.com/v1/payments/pay_xxx/status"
    }
  ]
}

Request Parameters

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.

Emandate

You can accept recurring payments from your customers using emandate, card or upi as the method. Know more about Recurring Payments.

Feature RequestThis is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.to get this feature activated on your account.

Workflow

Step 1

Create a customer.

Step 2

Create an Order with method as emandate, nach or upi.

Step 3

Collect authorisation transaction.

Using custom checkout
Using an authorization link

Step 4

Verify Tokens.

Step 5

Charge subsequent payments.

Know more about steps 2,3,4 and 5 in Recurring Payments.

Sample Checkout Code to Collect Authorisation Transaction

Emandate (Netbanking)

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"
   }
}'
```curl: Emandate (Debit Card)
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":"debitcard",
   "bank_account":{
      "name":"Gaurav Kumar",
      "account_number":"1121431121541121",
      "account_type":"savings",
      "ifsc":"HDFC0000001"
   }
}'
```curl: Emandate (Aadhaar)
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":"aadhaar",
   "bank_account":{
      "name":"Gaurav Kumar",
      "account_number":"1121431121541121",
      "account_type":"savings",
      "ifsc":"HDFC0000001"
   }
}'
```curl: Cards
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": "100",
	"currency": "INR",
	"contact":"9000090000",
   	"email":"gaurav.kumar@example.com",
	"order_id": "order_EAeQWl3JYERSly",
	"customer_id":"cust_Cg3pRMEIgetEDe",
	"recurring":"1",
	"method": "card",
   	"card": {
    	"number": "4047458064386281",
    	"cvv": "123",
    	"expiry_month": "01",
    	"expiry_year": "30",
    	"name": "Gaurav Kumar"
    }
}'
```curl: UPI
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": "100",
	"currency": "INR",
   "contact":"9000090000",
   "email":"gaurav.kumar@example.com",
	"order_id": "order_EAeQWl3JYERSly",
	"customer_id":"cust_Cg3pRMEIgetEDe",
	"recurring":"1",
	"method": "upi",
   "flow": "collect”,
​    "upi" : {
      "vpa": "gaurav.kumar@exampleupi" //Payer VPA in case of collect request
   }
}'

Upload NACH File Using API

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 authorisation 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 RequestThis is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.to get this feature activated on your account.Follow these steps to register a NACH mandate via S2S Image Transfer:

Step 1

Create a Customer

Step 2

Create an Order

Step 3

Upload the NACH file via API

Step 4

Fetch Token

Step 5

Create Subsequent Payments

Know more about steps 2,3,4 and 5 in Recurring Payments.

Sample Server Request and Responses

Request

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
```json: Successful Response
{
  "razorpay_payment_id": "pay_FjDn43bvssCqEM",
  "razorpay_order_id": "order_FjDdQ6a0GluJ2c",
  "razorpay_signature": "f13775ea8a91e9bf229b9fdba3ad783f7ff2bdbce1c35e87a69ae7418808da04"
}
```json: Error Response
{
"error": {
  "code": "BAD_REQUEST_ERROR",
  "description": "file size exceeds limit",
  "field": null,
  "source": "customer",
  "step": "form_upload",
  "reason": "file size exceeds limit",
  "metadata": {
    "payment_id": null,
    "order_id": "order_DBJKIP31Y4jl8"
    }
  }
}

Wallet Provider | Wallet Code | Availability

PayZapp | `payzapp` | Requires approval (Reach out to support team)

Airtel Money | `airtelmoney` | ✓

MobiKwik | `mobikwik` | ✓

JioMoney| `jiomoney` | ✓

Ola Money | `olamoney` | ✓

PhonePe | `phonepe` | Requires approval (Reach out to support team)

PhonePe Switch | `phonepeswitch` | For businesses registered with PhonePe Switch only

PayPal | `paypal` | International Payments Only Requires approval (Reach out to support team)

Amazon Pay | amazonpay | Requires approval (Reach out to support team)

Handy TipsIntegrate your PayPal account with Razorpay Checkout to accept payments in international currencies.You can accept payments based on the transaction limit of your PayPal account.

UPI

Know about UPI Intent and UPI Collect.

MCC 6012 & 6211 (IPO and secondary market transactions).
iOS mobile app and mobile web transactions.
UPI Mandates (execute/modify/revoke operations only)
eRupi vouchers.
PACB businesses (cross-border/international payments).

Action Required:

If you are a new Razorpay user, use UPI Intent.
If you are an existing Razorpay user not covered by exemptions, you must migrate to UPI Intent or UPI QR code to continue accepting UPI payments. For detailed migration steps, refer to the migration documentation.

Pay Later

Given below is the sample code for Pay Later payments.

Handy Tips

Contact our Support Team to get this payment method enabled for your account.
Customers should have accounts with the Pay Later service providers.

Request

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": ""
}'
```json: Response
{
  "razorpay_payment_id": "pay_LH691g8owT4PUh",
  "next": [
    {
      "action": "redirect",
      "url": "https://api.razorpay.com/v1/payments/LH691g8owT4PUh/authenticate"
    }
  ]
}

Supported Providers

Provider | Provider Code | Availability | Minimum Transaction | Maximum Transaction

LazyPay | `lazypay` | Requires Approval | ₹1 | ₹10,000

PayPal | paypal | Requires Approval | ₹100 | Based on the customer’s approved limit.

CRED

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.

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. /orders

Curl

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
}'
```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.order.create({
  "amount": 1000,
  "currency": "INR",
  "receipt": "receipt#1",
  "app_offer": true
 })
```php: PHP 
$api = new Api($key_id, $secret);

$api->order->create(array('receipt' => 'receipt#1', 'amount' => 1000, 'currency' => 'INR', 'app_offer'=> true));

```csharp: .NET 
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary options = new Dictionary();
options.Add("amount", 1000); // amount in the smallest currency unit
options.Add("receipt", "receipt#1");
options.Add("currency", "INR");
options.Add("app_offer", true);
Order order = client.Order.Create(options);

```js: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.orders.create({
  amount: 1000,
  currency: "INR",
  receipt: "receipt#1",
  app_offer: true
})

```go: go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
  "amount": 1000,
  "currency": "INR",
  "receipt": "receipt#1",
  "app_offer": true
}
body, err := client.Order.Create(data, nil)

```ruby: Ruby 
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

order = Razorpay::Order.create amount: 1000, currency: 'INR', receipt: 'receipt#1', app_offer: true

```java: Java
RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject orderRequest = new JSONObject();
orderRequest.put("amount", 1000); // amount in the smallest currency unit
orderRequest.put("currency", "INR");
orderRequest.put("receipt", "receipt#1");
orderRequest.put("app_offer", true);

Order order = razorpay.orders.create(orderRequest);

```json: Response
{
  "id": "order_FNPoKwCtPyhJOt",
  "entity": "order",
  "amount": 1000,
  "amount_paid": 0,
  "amount_due": 1000,
  "currency": "INR",
  "receipt": null,
  "status": "created",
  "attempts": 0,
  "notes": [],
  "created_at": 1596703420
}

Request Parameters

true: Customer not allowed to use CRED coins to make payment.
false (default): Customer can use CRED coins to make payment.

Pass method and provider Parameters in Create Payments API

Create Payment

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"
}'
```json: Response
{
  "razorpay_payment_id": "pay_xxxx",
  "next": [
    {
      "action": "poll",
      "url": "https://api.razorpay.com/v1/payments/pay_xxx/status"
    }
  ]
}

Request Parameters

true: Opens CRED app on customer’s device.
false (default): Sends a push notification to customer’s device.

Emandate

You can accept recurring payments from your customers using emandate, card or upi as the method. Know more about Recurring Payments.

Feature RequestThis is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.to get this feature activated on your account.

Workflow

Step 1

Create a customer.

Step 2

Create an Order with method as emandate, nach or upi.

Step 3

Collect authorisation transaction.

Using custom checkout
Using an authorization link

Step 4

Verify Tokens.

Step 5

Charge subsequent payments.

Know more about steps 2,3,4 and 5 in Recurring Payments.

Sample Checkout Code to Collect Authorisation Transaction

Emandate (Netbanking)

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"
   }
}'
```curl: Emandate (Debit Card)
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":"debitcard",
   "bank_account":{
      "name":"Gaurav Kumar",
      "account_number":"1121431121541121",
      "account_type":"savings",
      "ifsc":"HDFC0000001"
   }
}'
```curl: Emandate (Aadhaar)
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":"aadhaar",
   "bank_account":{
      "name":"Gaurav Kumar",
      "account_number":"1121431121541121",
      "account_type":"savings",
      "ifsc":"HDFC0000001"
   }
}'
```curl: Cards
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": "100",
	"currency": "INR",
	"contact":"9000090000",
   	"email":"gaurav.kumar@example.com",
	"order_id": "order_EAeQWl3JYERSly",
	"customer_id":"cust_Cg3pRMEIgetEDe",
	"recurring":"1",
	"method": "card",
   	"card": {
    	"number": "4047458064386281",
    	"cvv": "123",
    	"expiry_month": "01",
    	"expiry_year": "30",
    	"name": "Gaurav Kumar"
    }
}'
```curl: UPI
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": "100",
	"currency": "INR",
   "contact":"9000090000",
   "email":"gaurav.kumar@example.com",
	"order_id": "order_EAeQWl3JYERSly",
	"customer_id":"cust_Cg3pRMEIgetEDe",
	"recurring":"1",
	"method": "upi",
   "flow": "collect”,
​    "upi" : {
      "vpa": "gaurav.kumar@exampleupi" //Payer VPA in case of collect request
   }
}'

Upload NACH File Using API

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 authorisation transaction.

Step 1

Create a Customer

Step 2

Create an Order

Step 3

Upload the NACH file via API

Step 4

Fetch Token

Step 5

Create Subsequent Payments

Know more about steps 2,3,4 and 5 in Recurring Payments.

Sample Server Request and Responses

Request

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
```json: Successful Response
{
  "razorpay_payment_id": "pay_FjDn43bvssCqEM",
  "razorpay_order_id": "order_FjDdQ6a0GluJ2c",
  "razorpay_signature": "f13775ea8a91e9bf229b9fdba3ad783f7ff2bdbce1c35e87a69ae7418808da04"
}
```json: Error Response
{
"error": {
  "code": "BAD_REQUEST_ERROR",
  "description": "file size exceeds limit",
  "field": null,
  "source": "customer",
  "step": "form_upload",
  "reason": "file size exceeds limit",
  "metadata": {
    "payment_id": null,
    "order_id": "order_DBJKIP31Y4jl8"
    }
  }
}

Wallet Provider | Wallet Code | Availability

PayZapp | `payzapp` | Requires approval (Reach out to support team)

Airtel Money | `airtelmoney` | ✓

MobiKwik | `mobikwik` | ✓

JioMoney| `jiomoney` | ✓

Ola Money | `olamoney` | ✓

PhonePe | `phonepe` | Requires approval (Reach out to support team)

PhonePe Switch | `phonepeswitch` | For businesses registered with PhonePe Switch only

PayPal | `paypal` | International Payments Only Requires approval (Reach out to support team)

Amazon Pay | amazonpay | Requires approval (Reach out to support team)

Acceptable Image Formats and Sizes

The acceptable image formats and sizes are:

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

Error Reasons

Know about errors under Recurring Payments FAQs.

​Check the API Endpoint

​API Version | Endpoint

​Redirect | https://api.razorpay.com/v1/payments/create/redirect

​Supported Payment Fields

​Debit and Credit Cards

​Supported Card Networks

​Netbanking

​Supported Banks

​EMI

​EMI Plans

​Cardless EMI

​Supported Providers

​Banks | Provider Code | Minimum Order Amount

​ICICI Bank | icic | ₹7000

​IDFC Bank | idfb | ₹5000

​HDFC Bank | hdfc | ₹5000

​Kotak Bank| kkbk | ₹3000

​axio | walnut369 | ₹900

​Fibe | earlysalary | ₹3000

​Wallet

​Supported Wallets

​Wallet Provider | Availability | Wallet Code

​PayZapp | Requires approval | payzapp

​Airtel Money | ✓ | airtelmoney

​MobiKwik | ✓ | mobikwik

​JioMoney | ✓ | jiomoney

​Ola Money | ✓ | olamoney

​Bajaj Pay | Requires approval | bajajpay

​PhonePe | Requires approval | phonepe

​PhonePe Switch | For businesses registered with PhonePe Switch only | phonepeswitch

​PayPal | International Payments Only. Requires approval | paypal

​Wallet Provider | Wallet Code | Availability

​PayZapp | payzapp | Requires approval (Reach out to support team)

​Airtel Money | airtelmoney | ✓

​MobiKwik | mobikwik | ✓

​JioMoney| jiomoney | ✓

​Ola Money | olamoney | ✓

​PhonePe | phonepe | Requires approval (Reach out to support team)

​PhonePe Switch | phonepeswitch | For businesses registered with PhonePe Switch only

​PayPal | paypal | International Payments Only Requires approval (Reach out to support team)

​UPI

​Pay Later

​Supported Providers

​Provider | Provider Code | Availability | Minimum Transaction | Maximum Transaction

​LazyPay | lazypay | Requires Approval | ₹1 | ₹10,000

​CRED

​Pass app_offer Parameter in Order

​Request Parameters

​Pass method and provider Parameters in Create Payments API

​Request Parameters

​Emandate

​Workflow

​Sample Checkout Code to Collect Authorisation Transaction

​Upload NACH File Using API

​Sample Server Request and Responses

​Wallet Provider | Wallet Code | Availability

​PayZapp | payzapp | Requires approval (Reach out to support team)

​Airtel Money | airtelmoney | ✓

​MobiKwik | mobikwik | ✓

​JioMoney| jiomoney | ✓

​Ola Money | olamoney | ✓

​PhonePe | phonepe | Requires approval (Reach out to support team)

​PhonePe Switch | phonepeswitch | For businesses registered with PhonePe Switch only

​PayPal | paypal | International Payments Only Requires approval (Reach out to support team)

​UPI

​Pay Later

​Supported Providers

​Provider | Provider Code | Availability | Minimum Transaction | Maximum Transaction

​LazyPay | lazypay | Requires Approval | ₹1 | ₹10,000

​CRED

​Pass app_offer Parameter in Order

​Request Parameters

​Pass method and provider Parameters in Create Payments API

​Request Parameters

​Emandate

​Workflow

​Sample Checkout Code to Collect Authorisation Transaction

​Upload NACH File Using API

​Sample Server Request and Responses

​Wallet Provider | Wallet Code | Availability

Check the API Endpoint

API Version | Endpoint

Redirect | https://api.razorpay.com/v1/payments/create/redirect

Supported Payment Fields

Debit and Credit Cards

Supported Card Networks

Netbanking

Supported Banks

EMI

EMI Plans

Cardless EMI

Supported Providers

Banks | Provider Code | Minimum Order Amount

ICICI Bank | `icic` | ₹7000

IDFC Bank | `idfb` | ₹5000

HDFC Bank | `hdfc` | ₹5000

Kotak Bank| `kkbk` | ₹3000

axio | `walnut369` | ₹900

Fibe | `earlysalary` | ₹3000

Wallet

Supported Wallets

Wallet Provider | Availability | Wallet Code

PayZapp | Requires approval | `payzapp`

Airtel Money | ✓ | `airtelmoney`

MobiKwik | ✓ | `mobikwik`

JioMoney | ✓ | `jiomoney`

Ola Money | ✓ | `olamoney`

Bajaj Pay | Requires approval | `bajajpay`

PhonePe | Requires approval | `phonepe`

PhonePe Switch | For businesses registered with PhonePe Switch only | `phonepeswitch`

PayPal | International Payments Only. Requires approval | `paypal`

Wallet Provider | Wallet Code | Availability

PayZapp | `payzapp` | Requires approval (Reach out to support team)

Airtel Money | `airtelmoney` | ✓

MobiKwik | `mobikwik` | ✓

JioMoney| `jiomoney` | ✓

Ola Money | `olamoney` | ✓

PhonePe | `phonepe` | Requires approval (Reach out to support team)

PhonePe Switch | `phonepeswitch` | For businesses registered with PhonePe Switch only

PayPal | `paypal` | International Payments Only Requires approval (Reach out to support team)

UPI

Pay Later

Supported Providers

Provider | Provider Code | Availability | Minimum Transaction | Maximum Transaction

LazyPay | `lazypay` | Requires Approval | ₹1 | ₹10,000

CRED

Pass app_offer Parameter in Order

Request Parameters

Pass method and provider Parameters in Create Payments API

Request Parameters

Emandate

Workflow

Sample Checkout Code to Collect Authorisation Transaction

Upload NACH File Using API

Sample Server Request and Responses

Wallet Provider | Wallet Code | Availability

PayZapp | `payzapp` | Requires approval (Reach out to support team)

Airtel Money | `airtelmoney` | ✓

MobiKwik | `mobikwik` | ✓

JioMoney| `jiomoney` | ✓

Ola Money | `olamoney` | ✓

PhonePe | `phonepe` | Requires approval (Reach out to support team)

PhonePe Switch | `phonepeswitch` | For businesses registered with PhonePe Switch only

PayPal | `paypal` | International Payments Only Requires approval (Reach out to support team)

UPI

Pay Later

Supported Providers

Provider | Provider Code | Availability | Minimum Transaction | Maximum Transaction

LazyPay | `lazypay` | Requires Approval | ₹1 | ₹10,000

CRED

Pass app_offer Parameter in Order

Request Parameters

Pass method and provider Parameters in Create Payments API

Request Parameters

Emandate

Workflow

Sample Checkout Code to Collect Authorisation Transaction

Upload NACH File Using API

Sample Server Request and Responses

Wallet Provider | Wallet Code | Availability