No Cost EMIs from Bajaj Finserv - Custom Checkout

Prerequisites

Create a Razorpay account.
Generate API keys from the Dashboard.
Refer to our web custom integration document.

Integration flow

If you want to display the No Cost EMI offered by Bajaj Finserv on the Checkout, you must associate the offer with an order. Follow the integration steps given below:

[Create No Cost EMI offers](#step-1-create-no-cost-emi-offers).

Create No Cost EMI offers.

[Create an order](#step-2-create-an-order).

Create an order.

[Fetch payment methods](#step-3-fetch-payment-methods).

Fetch payment methods.

[Invoke checkout and pass order_id and other options](#step-4-invok...

Invoke checkout and pass order_id and other options.

[Store fields in your server](#step-5-store-fields-in-your-server).

Store fields in your server.

[Verify payment signature](#step-6-verify-payment-signature).

Verify payment signature.

Step 1: Create No Cost EMI Offers

Raise a request with the Razorpay Support team to create the relevant No Cost EMIs you want to display on the Checkout. Get the appropriate offer_id created for each EMI plan.

Step 2: Create an Order

Obtain the offer_id. Let us say, offer_ANZoaxsOww2X53, from our Support team. Create an order for the transaction amount for which the created offer should be applied. /orders amount mandatory : integer Amount in currency subunits for which the order is created. For example, if the order is for ₹30,000, enter the value 3000000 (in paise). currency mandatory : string ISO code of the currency associated with the order amount. 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”. offers mandatory : array Unique identifier of the Offer. Pass the offer_id obtained from the Razorpay Support team. discountoptional : boolean Indicate if a discount is to be applied by Razorpay or not. Possible values are:

true: Discount is applied.
false: Discount is not applied.

Curl

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/orders \
-H "Content-Type: application/json" \
-d '{
  "amount": 1000000,
  "currency": "INR",
  "discount": true,
  "offers": [
    "offer_ANZoaxsOww2X53"
  ]
}'
```java: Java
RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

       ArrayList Offer = new ArrayList();
        Offer.add("offer_JTUADI4ZWBGWur");

        JSONObject orderRequest = new JSONObject();
        orderRequest.put("amount", 1000000); // amount in the smallest currency unit
        orderRequest.put("currency", "INR");
        orderRequest.put("discount", true);
        orderRequest.put("offers", Offer);

        Order order = razorpayclient.orders.create(orderRequest);
        System.out.print(order);
```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.order.create({
  "amount": 1000000,
  "currency": "INR",
  "receipt": "receipt#1",
  "discount": True,
  "offers": [
    "offer_ANZoaxsOww2X53"
  ]
})
```php: PHP
$api = new Api($key_id, $secret);

$api->order->create(array('amount' => 1000000, 'currency' => 'INR', 'discount' => true, 'offers'=> array('offer_JTUADI4ZWBGWur')));
```ruby: Ruby 
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

order = Razorpay::Order.create amount: 50000, currency: 'INR', discount: 1, receipt: 'receipt#1',  offers: [
    'offer_ANZoaxsOww2X53"'
]
```js: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.orders.create({
  amount: 1000000,
  currency: "INR",
  receipt: "receipt#1",
  discount: true,
  offers: [
    "offer_ANZoaxsOww2X53"
  ]
})
```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
 "amount": 50000,
 "currency": "INR",
 "receipt": "receipt#1",
 "discount": true,
	"offers": []interface{}{
	"offer_JTUADI4ZWBGWur",
  },
}
body, err := client.Order.Create(data, nil)

```json: Response
{
  "id": "order_CjyoZFRpB8r0AH",
  "entity": "order",
  "amount": 1000000,
  "amount_paid": 0,
  "amount_due": 1000000,
  "currency": "INR",
  "receipt": null,
  "offer_id": "offer_ANZoaxsOww2X53",
  "offers": [
    "offer_ANZoaxsOww2X53"
  ],
  "status": "created",
  "attempts": 0,
  "notes": [],
  "created_at": 1561018912
}

Step 3: Fetch Payment Methods

When creating a custom checkout form, you need to ensure that only the methods that are activated for your account are displayed to the customer. Use the below methods to fetch all payments methods available to you.

Request

var razorpay = new Razorpay({
  key: '',
    // logo, displayed in the popup
  image: 'https://i.imgur.com/n5tjHFD.jpg',
});
razorpay.once('ready', function(response) {
  console.log(response.methods);
})
```js: Response
{
  "methods": {
    "entity": "methods",
    "card": true,
    "debit_card": true,
    "credit_card": true,
    "prepaid_card": true,
    "card_networks": {
      "AMEX": 0,
      "DICL": 1,
      "MC": 1,
      "MAES": 1,
      "VISA": 1,
      "JCB": 1,
      "RUPAY": 1,
      "BAJAJ": 0
    },
    "amex": false,
    "netbanking": {
      ...
      ...
      "HDFC": "HDFC Bank",
      "ICIC": "ICICI Bank"
      ...
      ...
    },
    "wallet": {
      "payzapp": true
    },
    "emi": true,
    "upi": true,
    "cardless_emi": [],
    "paylater": [],
    "emi_subvention": "customer",
    "emi_options": {
      ...
      ...
      "ICIC": [
        {
          "duration": 3,
          "interest": 13,
          "subvention": "customer",
          "min_amount": 150000
        },
        {
          "duration": 6,
          "interest": 13,
          "subvention": "customer",
          "min_amount": 150000
        }
        ...// rest of the emi plans
      ],
      "HDFC": [
        {
          "duration": 12,
          "interest": 14,
          "subvention": "customer",
          "min_amount": 300000
        },
        {
          "duration": 18,
          "interest": 15,
          "subvention": "customer",
          "min_amount": 300000
        }
        ...
        ...// rest of the emi plans
      ]
    }
  }
}

Know more about the various payment methods offered by Razorpay.

Step 4: Invoke Checkout and Pass Order Id and Other Options

The list of checkout parameters is available here.

Step 4.1: Include the JavaScript code in your Webpage

Include the following script, preferably in “ section of your page:

Index HTML

Including the Javascript, not the Library

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

Step 4.2: Instantiate Razorpay Custom Checkout

You can choose to have:

A single instance on a page
Multiple instances on the same page

Single Instance on a Page

If you need a single instance on a page, use the code given below:

Invoke a Single Instance

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

Multiple Instances on Same Page

If you need multiple razorpay instances on same page, you can globally set some of the options:

Invoke Multiple Instances

Razorpay.configure({
  key: '',
    // logo, displayed in the payment processing popup
  image: 'https://i.imgur.com/n5tjHFD.jpg',
})
new Razorpay({}); // will inherit key and image from above.

Step 4.3: Submit Payment Details

Once the order is created and the customer’s payment details are obtained, the information should be sent to Razorpay to complete the payment. The data that needs to be submitted depends upon the payment method selected by the customer. You can do this by invoking createPayment method:

createPayment with handler function

var data = {
  amount: 3000000, // 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_CjyoZFRpB8r0AH',// Replace with Order ID generated in Step 2
  method: "emi",
  emi_duration: 3,
  provider: "bajajfinserv"
};

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

})
```js: createPayment with callback URL
var data = {
  callback_url: 'https://www.examplecallbackurl.com/',
  amount: 3000000, // 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: "emi",
  emi_duration: 3,
  provider: "bajajfinserv"
};

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);

})

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(...) })

Handler Function vs Callback URL

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, razorpay_order_id.

Step 5: 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.

Success Callback

{
  "razorpay_payment_id": "pay_29QQoUBi66xm2f",
  "razorpay_order_id": "order_9A33XWu170gUtm",
  "razorpay_signature": "9ef4dffbfd84f1318f6739a3ce19f9d85851857ae648f114332d8401e0949a3d"
}

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.

Step 6: 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:

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.

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

HMAC Hex Digest

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

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

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:

Java

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);

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

$api->utility->verifyPaymentSignature(array('razorpay_order_id' => $razorpayOrderId, 'razorpay_payment_id' => $razorpayPaymentId, 'razorpay_signature' => $razorpaySignature));

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

payment_response = {
       razorpay_order_id: 'order_IEIaMR65cu6nz3',
       razorpay_payment_id: 'pay_IH4NVgf4Dreq1l',
       razorpay_signature: '0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50f'
     }
Razorpay::Utility.verify_payment_signature(payment_response)

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

client.utility.verify_payment_signature({
  'razorpay_order_id': razorpay_order_id,
  'razorpay_payment_id': razorpay_payment_id,
  'razorpay_signature': razorpay_signature
  })

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

Dictionary options = new Dictionary();
options.Add("razorpay_order_id", "order_IEIaMR65");
options.Add("razorpay_payment_id", "pay_IH4NVgf4Dreq1l");
options.Add("razorpay_signature", "0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50");

Utils.verifyPaymentSignature(options);

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

var { validatePaymentVerification, validateWebhookSignature } = require('./dist/utils/razorpay-utils');
validatePaymentVerification({"order_id": razorpayOrderId, "payment_id": razorpayPaymentId }, signature, secret);

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

params := map[string]interface{}{
 "razorpay_order_id": "order_IEIaMR65cu6nz3",
 "razorpay_payment_id": "pay_IH4NVgf4Dreq1l",
}

signature := "0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50f";
secret := "EnLs21M47BllR3X8PSFtjtbd";
utils.VerifyPaymentSignature(params, signature, 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.

Payment Capture Settings

After payment is authorized, you need to capture it to settle the amount to your bank account as per the settlement schedule. Payments that are not captured are auto-refunded after a fixed time.

Watch Out

You should deliver the products or services to your customers only after the payment is captured. Razorpay automatically refunds all the uncaptured payments.
You can track the payment status using our Fetch a Payment API or webhooks. Authorized payments can be automatically captured. You can auto-capture all payments using global settings on the Razorpay Dashboard. Know more about capture settings for payments.

Watch Out!Payment capture settings work only if you have integrated with Orders API on your server side. Know more about the Orders API.Each authorized payment can also be captured individually. You can manually capture payments using Payment Capture API or Dashboard. Know more about capture settings for payments.

Test Integration

After the integration is complete, you need to test the integration to ensure that it is working as expected. You can make a test transaction using the test cards, verify the payment status from the Dashboard or through APIs or subscribe to related Webhook events to take appropriate actions at your end. After testing the integration in test mode, you can start accepting actual payments from your customers.

Test Payments

You can make test payments using any of the payment methods configured at the Checkout. No money is deducted from the customer’s account as this is a simulated transaction. In the Checkout code, ensure that you have entered the API keys generated in the test mode.

EMI Test Card

You can use the EMI test card given below to make transactions in the test mode. Use any valid expiration date in the future and any random CVV to create a successful payment.

Card Network | Card Number | CVV & Expiry Date

Mastercard | 5241 8100 0000 0000 | Use a random CVV and any future date

Verify Payment Status

You can track the status of the payment from the Dashboard, subscribe to the Webhook event or poll our APIs.

From Dashboard

Log in to the Dashboard and navigate to Transactions → Payments.
Check if a payment_ID has been generated. If no payment_ID has been generated, it means that the transaction has failed.

You can subscribe to a Webhook event that is generated when a certain event happens in our server. When one of those events is triggered, Razorpay sends the Webhook payload to the configured URL. Know how to set up Webhooks.

Poll APIs

You can retrieve the status of the payments by polling our Payment APIs.

Accept Live Payments

After testing the flow of funds end-to-end in test mode and confident that the integration is working as expected, switch to the live mode and start accepting payments from customers. However, make sure that you swap the test API keys with the live keys. To generate API key in live mode:

Log in to Dashboard and switch to Live mode on the menu.
Navigate to Account & Settings → API Keys → Generate Key to generate API key for live mode.
Download the keys and save them securely.
Replace the test API key with the Live Key in the Checkout code and start accepting actual payments.

Next Steps

Once the customer has successfully made the payment after availing the desired Offer, you can check the status of the payment from the Dashboard.

​Prerequisites

​Integration flow

​Step 1: Create No Cost EMI Offers

​Step 2: Create an Order

​Step 3: Fetch Payment Methods

​Step 4: Invoke Checkout and Pass Order Id and Other Options

​Step 4.1: Include the JavaScript code in your Webpage

​Step 4.2: Instantiate Razorpay Custom Checkout

​Single Instance on a Page

​Multiple Instances on Same Page

​Step 4.3: Submit Payment Details

​Step 5: Store Fields in Your Server

​Success Callback

​Step 6: Verify Payment Signature

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

​Generate Signature on Your Server

​Post Signature Verification

​Payment Capture Settings

​Test Integration

​Test Payments

​EMI Test Card

​Card Network | Card Number | CVV & Expiry Date

​Verify Payment Status

​From Dashboard

​Subscribe to Webhook events

​Poll APIs

​Accept Live Payments

​Related Information

​Next Steps

Prerequisites

Integration flow

Step 1: Create No Cost EMI Offers

Step 2: Create an Order

Step 3: Fetch Payment Methods

Step 4: Invoke Checkout and Pass Order Id and Other Options

Step 4.1: Include the JavaScript code in your Webpage

Step 4.2: Instantiate Razorpay Custom Checkout

Single Instance on a Page

Multiple Instances on Same Page

Step 4.3: Submit Payment Details

Step 5: Store Fields in Your Server

Success Callback

Step 6: Verify Payment Signature

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

Generate Signature on Your Server

Post Signature Verification

Payment Capture Settings

Test Integration

Test Payments

EMI Test Card

Card Network | Card Number | CVV & Expiry Date

Verify Payment Status

From Dashboard

Subscribe to Webhook events

Poll APIs

Accept Live Payments

Related Information

Next Steps