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Now, you can configure the payment methods of your choice on the Checkout to provide a highly personalized experience for your customers. This simple and accessible experience for them will increase your sales and success rates.

Original Checkout | Customized Checkout

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Use Cases

Razorpay allows you to configure the payment methods depending on your use case.
  • Highlighting certain payment instruments on the Checkout. For example Google Pay could be displayed outside the UPI block as a separate payment method. HDFC Netbanking could come out of the Netbanking container as a separate payment method. Similarly, OlaMoney can be pulled out of the wallet block.
  • Restricting the kind of network, issuer, BIN and card type, different properties of the card, to accept payments. For example, you can choose to accept payments only from HDFC Visa Debit cards on the Checkout.
  • Removing a certain payment method or instrument. For example, OlaMoney can be removed as a payment method from wallets. The entire Netbanking block or a certain bank in Netbanking can be removed from the Checkout.
  • Reordering of payment methods on the Checkout. You can choose to have UPI as the first section instead of Cards on the Checkout. Within the UPI block, you can again order the PSPs, according to your need.
  • Grouping of payment instruments. For example, you can choose to group Netbanking and UPI payment methods of a bank as a block that will be labelled as Pay via Bank on the Checkout.

Examples

Highlight Instruments of a Certain Bank | Regroup Payment Methods | Remove UPI

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Configuring Payment Methods

Depending on how you want to control the payment methods on the Checkout, there are different ways in which the configuration can be passed to the Checkout:
  • Pass the configuration in the options parameter of the Checkout code at the run time. This is useful when you want to modify the order of the payment methods for a particular set of payments while rendering the Checkout. See the sample code for details.
  • Create a global setting of the payments as a Configuration ID and pass these values while creating the Order. This is useful when you want to fix the order of the payment methods on all the Checkout renderences.
Note: Contact our Support Team for more details about the Configuration ID.

Understanding the Configuration

Let us understand the building blocks that are required to build a configuration of your choice:

Payment Methods

Before deciding the payment methods or payment instruments that you want to configure on the Checkout, refer to the payment methods supported by Razorpay.

Payment Instruments

A payment instrument is a combination of the payment method and its associated properties. For example, a payment instrument can be an AXIS Debit card, where card is the payment method and the issuer (AXIS bank) is the associated instrument. An instrument is a JSON object with a key named method. Each method and its associated properties are described in the sections below:

Card

Payment instruments for the method: card are listed below:

name | type | description | values | examples

issuers | array | List of issuers that are allowed | Any bank code | issuers: [“HDFC”, “ICIC”]

networks | array | List networks that are allowed | Any card network | networks: ["Visa", "MasterCard"]

types | array | List of card types that are allowed | Any card type | types: ["credit"]
JavaScript

Netbanking

Payment instruments for the method: netbanking are listed below:

name | type | description | values | examples

banks | array“ | List of all banks that are allowed | Any bank code | banks: ["HDFC", "ICIC"]

Wallet

Payment instruments for the method: wallet are listed below:

name | type | description | values | examples

wallets | string | Wallets to be allowed | Any wallet code | wallets: ["olamoney"]

UPI

Payment instruments for the method: upi are listed below:

name | type | description | values | examples

flows | string | Flows to show | Any supported UPI flow | flows: [ "qr"]

apps | string | Apps to show, for intent | Any supported UPI apps | apps: ["google_pay", "phonepe"]

Cardless EMI

Payment instruments for the method: cardless_emi are listed below:

name | type | description | values | examples

providers | string | Providers to be allowed | Any Cardless EMI provider | providers: ["zestmoney"]

PayLater

For the method: paylater, the payment instruments are listed below:

name | type | description | values | examples

providers | string | Providers to be allowed | Any paylater provider | providers: ["hdfc"]

Apps

For the method app, the payment instrument is listed below:

name | type | description | values | examples

providers | string | Providers to be allowed | Any app provider | providers: ["cred"]
JavaScript

Blocks

A block is a collection of one or more payment instruments. Each block has a name and code associated as shown below:
JavaScript
Here, highlighted is the code associated with myPayments. Multiple blocks can be added to the config at the same time.

Sequence

You can specify the sequence, that is the order, in which the payment methods should be displayed on the Checkout. A sequence is an array of strings, where each string is the name of the payment method or a block. In a sequence, you can include any block using the block.${code} format. The block with code highlighted should be represented as block.highlighted as shown below:
JavaScript
The above sequence will place the code highlighted first followed by the payment methods upi and netbanking in that particular order.
ImportantEvery block defined has to be present in the sequence. If you do not wish to reorder the methods and want to place your block, the sequence should contain block.highlighted with just one item in it.

Preferences

Using the preferences object, you can enhance the configuration of the Checkout. By setting this value, you can decide whether the default list of payment methods should be displayed or not. Possible values are: true : Checkout will display the sequence of the payment methods configured by you alongside the default order of payment methods available in the Checkout. false : Checkout will only show the sequence of the payment methods configured by you.

Hide Payment Instruments

You can also hide or remove certain instruments from the Checkout. This is an array containing the method key used to hide either the payment method and/or the payment instrument associated with that payment method. For example, you can hide the methods, card and HDFC netbanking on the Checkout.
JavaScript
NoteHiding any instrument using hide does not affect the similar instrument defined in blocks. So, if you want to hide HDFC bank from netbanking and have defined the same instrument in one of your blocks, HDFC bank will still be displayed in that block.

Building the Configuration

This section contains details about the display configuration and the restrictions configuration.

Display Configuration

Using the display config, you can put together all the modules, that is, blocks, sequence, preferences, hide instruments as shown below: The display config can be passed in the Checkout options or in the Orders API request using the checkout_config_id parameter.
Handy TipsContact our Support Team to get your checkout_config_id parameter.
display config

Restrictions Configuration

Using the display config, you can reorder, highlight or hide instruments and methods, and display the modules on the Checkout, whereas using the restrictions config you can accept payments using only certain instruments. For example, if you want to accept payments only from specific cards such as Rupay or Diners Card/only HDFC or Axis Bank Cards/Cards of a particular BIN. To restrict the payments, it is recommended to use restrictions config.
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.The restrictions config must be sent in Orders API request as shown below:
Curl
Learn more about Orders API.

Sample Code

Let us assume you want to list all the payment methods offered by HDFC bank, allow card payments for ICICI bank only and hide upi payment method from the Checkout. You can do so using the code given below:
Checkout Code

Reference

All the supported payment methods and instruments are listed below:

Supported Cards

Any card issued by the following banks:

Bank Name | Code

AU Small Finance Bank | AUBL

Aditya Birla Idea Payments Bank | ABPB

Airtel Payments Bank | AIRP

Allahabad Bank | ALLA

Andhra Bank | ANDB

Andhra Bank Corporate Banking | ANDB_C

Axis Bank | UTIB

Bandhan Bank | BDBL

Bank of Bahrein and Kuwait | BBKM

Bank of Baroda Retail Banking | BARB_R

Bank of India | BKID

Bank of Maharashtra | MAHB

Bassein Catholic Co-operative Bank | BACB

Canara Bank | CNRB

Catholic Syrian Bank | CSBK

Central Bank of India | CBIN

City Union Bank | CIUB

Corporation Bank | CORP

Cosmos Co-operative Bank | COSB

DCB Bank | DCBL

Dena Bank | BKDN

Deutsche Bank | DEUT

Development Bank of Singapore | DBSS

Dhanlaxmi Bank | DLXB

Dhanlaxmi Bank Corporate Banking | DLXB_C

ESAF Small Finance Bank | ESAF

Equitas Small Finance Bank | ESFB

Federal Bank | FDRL

HDFC Bank | HDFC

ICICI Bank | ICIC

IDBI | IBKL

IDBI Corporate Banking | IBKL_C

IDFC FIRST Bank | IDFB

Indian Bank | IDIB

Indian Overseas Bank | IOBA

Indusind Bank | INDB

Jammu and Kashmir Bank | JAKA

Janata Sahakari Bank (Pune) | JSBP

Kalupur Commercial Co-operative Bank | KCCB

Kalyan Janata Sahakari Bank | KJSB

Karnataka Bank | KARB

Karur Vysya Bank | KVBL

Kotak Mahindra Bank | KKBK

Lakshmi Vilas Bank Corporate Banking | LAVB_C

Lakshmi Vilas Bank Retail Banking | LAVB_R

Mehsana Urban Co-operative Bank | MSNU

NKGSB Co-operative Bank | NKGS

North East Small Finance Bank | NESF

PNB (Erstwhile-Oriental Bank of Commerce) | ORBC

PNB (Erstwhile-United Bank of India) | UTBI

Punjab & Sind Bank | PSIB

Punjab National Bank Retail Banking | PUNB_R

RBL Bank | RATN

RBL Bank Corporate Banking | RATN_C

Saraswat Co-operative Bank | SRCB

Shamrao Vithal Bank Corporate Banking | SVCB_C

Shamrao Vithal Co-operative Bank | SVCB

South Indian Bank | SIBL

Standard Chartered Bank | SCBL

State Bank of Bikaner and Jaipur | SBBJ

State Bank of Hyderabad | SBHY

State Bank of India | SBIN

State Bank of Mysore | SBMY

State Bank of Patiala | STBP

State Bank of Travancore | SBTR

Suryoday Small Finance Bank | SURY

Syndicate Bank | SYNB

Tamilnadu Mercantile Bank | TMBL

Tamilnadu State Apex Co-operative Bank | TNSC

Thane Bharat Sahakari Bank | TBSB

Thane Janata Sahakari Bank | TJSB

UCO Bank | UCBA

Union Bank of India | UBIN

Varachha Co-operative Bank | VARA

Vijaya Bank | VIJB

Yes Bank | YESB

Yes Bank Corporate Banking | YESB_C

Zoroastrian Co-operative Bank | ZCBL

Supported Card Types

  • credit for credit cards
  • debit for debit cards

Supported Card Networks

Card Network Name | Code

American Express | American Express

Diners Club | Diners Club

Maestro | Maestro

MasterCard | MasterCard

RuPay | RuPay

Visa | Visa

Bajaj Finserv | Bajaj Finserv

Supported Banks

Bank Name | Code

AU Small Finance Bank | AUBL

Aditya Birla Idea Payments Bank | ABPB

Airtel Payments Bank | AIRP

Allahabad Bank | ALLA

Andhra Bank | ANDB

Andhra Bank Corporate Banking | ANDB_C

Axis Bank | UTIB

Bandhan Bank | BDBL

Bank of Bahrain and Kuwait | BBKM

Bank of Baroda Retail Banking | BARB_R

Bank of India | BKID

Bank of Maharashtra | MAHB

Bassein Catholic Co-operative Bank | BACB

Canara Bank | CNRB

Catholic Syrian Bank | CSBK

Central Bank of India | CBIN

City Union Bank | CIUB

Corporation Bank | CORP

Cosmos Co-operative Bank | COSB

DCB Bank | DCBL

Dena Bank | BKDN

Deutsche Bank | DEUT

Development Bank of Singapore | DBSS

Dhanlaxmi Bank | DLXB

Dhanlaxmi Bank Corporate Banking | DLXB_C

ESAF Small Finance Bank | ESAF

Equitas Small Finance Bank | ESFB

Federal Bank | FDRL

HDFC Bank | HDFC

ICICI Bank | ICIC

IDBI | IBKL

IDBI Corporate Banking | IBKL_C

IDFC FIRST Bank | IDFB

Indian Bank | IDIB

Indian Overseas Bank | IOBA

Indusind Bank | INDB

Jammu and Kashmir Bank | JAKA

Janata Sahakari Bank (Pune) | JSBP

Kalupur Commercial Co-operative Bank | KCCB

Kalyan Janata Sahakari Bank | KJSB

Karnataka Bank | KARB

Karur Vysya Bank | KVBL

Kotak Mahindra Bank | KKBK

Lakshmi Vilas Bank Corporate Banking | LAVB_C

Lakshmi Vilas Bank Retail Banking | LAVB_R

Mehsana Urban Co-operative Bank | MSNU

NKGSB Co-operative Bank | NKGS

North East Small Finance Bank | NESF

PNB (Erstwhile-Oriental Bank of Commerce) | ORBC

PNB (Erstwhile-United Bank of India) | UTBI

Punjab & Sind Bank | PSIB

Punjab National Bank Retail Banking | PUNB_R

RBL Bank | RATN

RBL Bank Corporate Banking | RATN_C

Saraswat Co-operative Bank | SRCB

Shamrao Vithal Bank Corporate Banking | SVCB_C

Shamrao Vithal Co-operative Bank | SVCB

South Indian Bank | SIBL

Standard Chartered Bank | SCBL

State Bank of Bikaner and Jaipur | SBBJ

State Bank of Hyderabad | SBHY

State Bank of India | SBIN

State Bank of Mysore | SBMY

State Bank of Patiala | STBP

State Bank of Travancore | SBTR

Suryoday Small Finance Bank | SURY

Syndicate Bank | SYNB

Tamilnadu Mercantile Bank | TMBL

Tamilnadu State Apex Co-operative Bank | TNSC

Thane Bharat Sahakari Bank | TBSB

Thane Janata Sahakari Bank | TJSB

UCO Bank | UCBA

Union Bank of India | UBIN

Varachha Co-operative Bank | VARA

Vijaya Bank | VIJB

Yes Bank | YESB

Yes Bank Corporate Banking | YESB_C

Zoroastrian Co-operative Bank | ZCBL

Supported Wallets

Wallet provider | Wallet Code

PhonePe | phonepe

Mobikwik | mobikwik

PayZapp | payzapp

Ola Money | olamoney

Airtel Money | airtelmoney

Amazon Pay | amazonpay

JioMoney | jiomoney

PayPal | paypal

Supported UPI Apps

App Name | Package Name

Google Pay | com.google.android.apps.nbu.paisa.user

BHIM | in.org.npci.upiapp

BHIM UCO | com.lcode.ucoupi

BHIM IOB | com.euronet.iobupi

BHIM CSB | com.lcode.csbupi

PhonePe | com.phonepe.app

Paytm | net.one97.paytm

ICICI iMobile | com.csam.icici.bank.imobile

ICICI Pocket | com.icicibank.pockets

SBI | com.sbi.upi

Axis Pay | com.upi.axispay

Axis | com.axis.mobile

Samsung Pay | com.samsung.android.spay

HDFC Bank | com.snapwork.hdfc

PayZapp | com.hdfcbank.payzapp

Bank of Baroda | com.bankofbaroda.upi

Freecharge | com.freecharge.android

KVB | com.mycompany.kvb

JK UPI | com.fss.jnkpsp

IDFC | com.fss.idfcpsp

IDFC First | com.idfcfirstbank.optimus

Yes Bank | com.YesBank

YesBank Iris | in.irisbyyes.app

Microsoft Kaizala | com.microsoft.mobile.polymer

Lotza | com.upi.federalbank.org.lotza

Fed Mobile | com.fedmobile

IndusInd Pay | com.mgs.induspsp

IndusInd Mobile | com.fss.indus

Indus Indie | com.indusind.indie

Wizely | ai.wizely.android

Amazon | in.amazon.mShop.android.shopping

RBL MoBank | com.rblbank.mobank

CRED | com.dreamplug.androidapp

Finserve | in.bajajfinservmarkets.app

Fampay | com.fampay.in

Mobikwik | com.mobikwik_new

PNB Bank | com.mgs.pnbupi

PNB One | com.Version1

Digibank | com.dbs.in.digitalbank

Jupiter | money.jupiter

Slice | indwin.c3.shareapp

Tata Neu | com.tatadigital.tcp

Groww | com.nextbillion.groww

Shriram One | com.shriram.one

Fave | com.pinelabs.fave

Ultracash | com.ultracash.payment.customer

Timepay | com.npst.timepay.society

Goibibo | com.goibibo

Kotak | com.msf.kbank.mobile

Kotak811 | com.kotak811mobilebankingapp.instantsavingsupiscanandpayrecharge

DakPay | com.fss.ippbpsp

India Post | com.iexceed.appzillon.ippbMB

Canara | com.canarabank.mobility

MyJio | com.jio.myjio

IndOASIS | com.IndianBank.IndOASIS

Tvam | com.atyati.tvamapp

PopClub | com.popclub.android

Vyom | com.infrasoft.uboi

Super Money | money.super.payments

Omnicard | com.eroute.omnicard

AU0101 | com.ausmallfinancebank.amb

Cent Mobile | com.infrasofttech.CentralBank

Kiwi | in.gokiwi.kiwitpap

Digi Khata | com.paypointz.wallet

Moneyview | com.whizdm.moneyview.loans

Supported UPI flows

Given below are the supported UPI flows:
  • collect for flow via VPA
  • intent for flow via UPI apps
Handy TipsThe supported UPI apps for intent on android mobile web are Google Pay and PhonePe.
  • qr for flow via UPI QR

Supported PayLater Providers

Provider name | Provider Code

LazyPay | lazypay

PayPal | paypal
Handy Tips
  • PayPal now supports the Pay Later feature. You should enable both PayPal and the Pay Later options under Account & Settings → Pay Later (under Payment methods) on the Dashboard to enable the Pay Later feature.

Supported Cardless EMI Providers

Banks | Provider Code

ICICI Bank | icic

IDFC Bank | idfb

HDFC Bank | hdfc

Kotak Bank| kkbk

axio | walnut369

Fibe | earlysalary

ZestMoney | zestmoney
Handy TipsKnow the standard interest rates charged by:

Supported Apps

App | Code

CRED Pay | cred