India Payment API

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Warning

Before reading this document, please make sure to review API Description Guide

Limits

Transaction Type	Limit (INR)
Collection	100–49,999
Disbursement	500–49,999

Collection API

Collection Request

Description:

Create a collection order

URL: /inr/collect/apply
Note: appId INR, amount INR, settlement INR

Parameters:

Name	Required	Type	Description
appId	Yes	Long	Business ID (retrieved from backend, must correspond to the currency in the URL)
orderId	Yes	String	Merchant order number (must be unique, max length: 48)
name	Yes	String	Recipient name, used for risk control
phone	Yes	String	Real phone number (format reference: Phone Format)
email	Yes	String	Real email
amount	Yes	String	Transaction amount (unit: INR, up to 2 decimals; no punctuation such as “,” allowed)
payType	Yes	String	Payment method: `PAYMENT_GATEWAY`
inBankCode	Yes	String	UPI
callBackUrl	Yes	String	Redirect URL after successful payment
callBackFailUrl	Yes	String	Redirect URL after failed payment
notifyUrl	No	String	Notification URL
subject	No	String	Payment note
body	No	String	Payment details
partnerUserId	Yes	String	Unique user identifier (e.g., userId). Must be valid, otherwise it may affect risk control. Allowed characters: digits, letters, and common symbols `-~!@#$%&*()_`
sign	Yes	String	Signature

Request Example

{
    "appId": 1054,
    "orderId": "M233323000059",
    "amount": "300",
    "phone": "09230219312",
    "email": "23423@qq.com",
    "name": "test",
    "inBankCode": "UPI",
    "payType": "PAYMENT_GATEWAY",
    "partnerUserId": "149597870",
    "sign": "af0gAHkU..."
}

va-response

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
        "orderId": "M233323000059",
        "orderNo": "6023071013539074",
        "payUrl": "",
        "sign": "YEoA8Y2JzQFGVzwJSqmemm1Kfv/bfyIfCqv2dp7RNzT5B72AQvdD+nt2nR4sL1HWscvmNHyVt5ovAi7MMhy3ziih/sMph+wPx4YjH3W1h5DyBvSlWvaKfKrK5ViomZ0pPYWydwRHnnRnicxToHK9S6qtSy7Q73O0hdz4hJ9p41Th3ycBl2Q9SeqSZYSY1ohcPDhdyRf2y0prb8rHgpBKzxZ5BKX/1bsE9OmsSEHAEYT8OGgko6aNe8XPAhr4G48cpWTftvnGQuzh0O65nuZRI/PF+Axt2zJCVbFHDDSREI9NlAT82ebDqhlVdxQzKE67D1nxgjb3dPmDUYHOBpmwxQ=="
    }
}

Response Data

Name	Type	Description
orderId	String	Merchant order number (must be unique)
orderNo	String	Platform order number
payUrl	String	Payment URL
sign	String	Signature

Collection Query

Description:

Create a collection order
When payType = BANK_TRANSFER, the orderNo is returned synchronously and can be queried directly
For other payment methods, after receiving the asynchronous notification, query again using orderNo for confirmation

URL: /inr/collect/query

Parameters:

Name	Required	Type	Description
appId	Yes	Long	Business ID (retrieved from backend, must correspond to the currency in URL)
orderId	Yes	String	Merchant order number
orderNo	No	String	Platform order number (faster response)
sign	Yes	String	Signature

request

{
    "appId": 1054,
    "orderId": "M22222000028",
    "sign": "EmyJGm3ELzG4FsOd0Krs9ncbSjo4oTGuXWML+7djYla3+VAwd9wS17z38p/7U2ZAjroO04XrE7YXcB1o76Dtyipj3h3bJzs7FYma1QNkMUdt9hh7m8U6hMsMQX7vIWHtXNwz4pbTSC75+kQWXaCew7KoE6LXECdJU8AISgNgeki2TK9R0pCfshr0Z2SZBPeuT6OvIH5LdmqgdZhuqnffGU2qnXk4KMkO848e6/WALLBR+LE1wyKHfPnYVcuKSMVYxkvKyyIL5JIPEgW0o5bh4RCbaUn3NZtyYwrU1uQ3ZDFRThm9j6XAQP+LBlmq3nOePqBtp/VDVarRaV+7FbQg3A=="
}

response

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
        "orderId": "M22222000028",
        "orderNo": "6023042811314347",
        "amount": "100.00",
        "actualAmount": "0.00",
        "fee": "0.00",
        "status": 1,
        "sign": "fP433ygWVDLVGxYkVnIJj7riGq0U3vyVX+MbBAImxfGLZkZcEAHVEoVYuULZSmXAAXKRSyd67WlDNm+24pougM54ofAoH4HMtCL2tfCoBReFyz3z02AGKkrKE2xWhSpWoqfQoBvzwuN5iGMMu0s9Q1YvqiwJ8WDVIENnmiIyD8qDJN7caHTW2US14/faG+69AvnuIgJ/nu7/jogOlgEYdZdVYU7gcRDE+d47KjlFGswQkJ/h/uzV7cWtUqrtOO7ZnZ3/z33Xx8awokX36QoYcPSWAU0h+Ij9O9402HNhm1eTbYcLU0uI/z8xCAtyAI/tTyiFijpiNlxUKQj+zKsILw=="
    }
}

Response Data

Name	Type	Description
orderId	String	Merchant order number (must be unique)
orderNo	String	Platform order number
amount	String	Transaction amount
actualAmount	String	Received amount
fee	String	Handling fee
status	Integer	Status (0 = Not started, 1 = In progress, 2 = Success (final), 3 = Failed (final), -1 = Exception pending confirmation)
payTime	String	Payment success time (present when status = 2), format: yyyy-MM-dd HH:mm:ss
errorMsg	String	Failure reason (present when status = 3)
sign	String	Signature

Disbursement API

Disbursement Application

Description:

Create a Disbursement order

URL: /inr/pay/apply

Parameters:

Name	Required	Type	Description
appId	Yes	Long	Business ID (retrieved from backend, must correspond to the currency in URL)
orderId	Yes	String	Merchant order number (must be unique, max length 48)
amount	Yes	String	Transaction amount (unit: INR, accurate to 2 decimal places; do not include punctuation such as “,”)
accountType	Yes	String	Account type: `BANK_ACCOUNT` (Bank)
bankCode	Yes	String	Bank code (if `accountType = BANK_ACCOUNT`, fill in IFSC)
accountNo	Yes	String	User bank account number
name	Yes	String	Beneficiary name (Format: English letters, case-insensitive, spaces allowed, 1-30 chars. Pattern: "firstName middleName lastName", middleName is optional. Special characters allowed: `.-`)
phone	Yes	String	Valid phone number (format reference: Phone Number Format)
email	Yes	String	Valid email address
notifyUrl	No	String	Callback URL
subject	No	String	Payment note (transaction title, product name, payment reason, etc.)
body	No	String	Additional remark details
partnerUserId	Yes	String	Unique user identifier (e.g. userId). Used for risk control, must be valid, otherwise it will affect the transaction. Allowed characters: numbers, letters, or common symbols `-~!@#$%&*()_`.
sign	Yes	String	Signature

request（if accountType = BANK_ACCOUNT）

{
    "appId": 1054,
    "orderId": "M100000450012",
    "amount": "500",
    "accountType": "BANK_ACCOUNT",
    "bankCode": "BANK",
    "accountNo": "09876543210",
    "ifsc": "09876543210",
    "name": "john doe",
    "phone": "09876543210",
    "email": "johndoe@cashfree.com",
    "subject": "iphone13",
    "body": "ProMotion technology with adaptive refresh rates up to 120Hz",
    "partnerUserId": "149597870",
    "sign": "I1PeK3eJOVsFFNowxVRqMXpeWm1lr/BcRpBi8WsW4wVo1+5CC3JsrFq/m/L2O69NzKHvtDWi4zia3DL3dPut0yMyUyqL91LNCSaeISbGsQPlhEsQpyTOryS/RKOfsrn2Xo37SCF/phAvndOk2jwwGwqM5xLz1ms9Ukl85wv27QFNrXIMxK2p18oe7MpMYrgf+xvEBE/VqCtKMtN9pO449wWwXzHWNPbZ76s4pAvKwRE9yXQDr7Iw14Dktcnl1FoLM4gWM/obkO+mz6SyAGDuXhVh/+OD/IGNiCyTCNq6ciQY28UnCFV6ZIP40gxsFhfBJKbK+Raw7y1Bh912ifYfug=="
}

response

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
        "orderId": "M100000450013",
        "orderNo": "3023062014149637",
        "sign": "LmhUnkw5j0pMiimsG8rKwdNNZGvXH5MpSmD6mdHZwq1SQwuK5BohmdEoqKB/jkMk28o3da4Cxh6Q+tW97+yTCemRrF+dMaHA73rpOeUuujKQl/UcFvJuMhfLBa2tp09L71NzoBqpPD6aXf37mYAz8E1HmERwFPpac5FVxIYanHG8cqmMLJYsVmHTSxWavgWU03ys9UczBePkBiR8sl2FSOhFABB0wAP28lswrV/ABS68IsLKtyd1fyI3GBfSbIK5nDEEnlE+EdElFdLs9taAxJImeVF1x4eT47+bkPJ2qS8z3K8QGzKLF3W+8SiRZGfSwDTsLKH+2Vycvy5auRl+ag=="
    }
}

Response Data

Name	Type	Description
orderId	String	Merchant order number (must be unique)
orderNo	String	Platform order number
sign	String	Signature

Disbursement Query

Description:

Query disbursement order

URL: /inr/pay/query

Request Method:

Parameters Name	Required	Type	Description
appId	Yes	Long	Business ID (retrieved from backend, must correspond to the currency in URL)
orderId	Yes	String	Merchant order number
orderNo	No	String	Platform order number (faster response)
sign	Yes	String	Signature

request

{
    "appId": 1000,
    "orderId": "M1234567111",
    "orderNo": "3022111516571436",
    "sign": "ZxkVZL+GAyv0VhvWn4IvuYahTzxgQuthkuV2ONWiqIfIDb2avvHlFOUJVzqZi1q8CPHXZm1ltanRTRVTxfsuftLvGeDioUHglWt46/RU6c1OPznpLGsZ35Q3n5tW2y1EnOsxPynXBFLuDQy+aZ3l9u6AQ30T0zQexMGT+IxuFkmUp02g/6juaHa5ZgNMv7lN67ixIp162wrM7OJuaOif872QijSceRdZhzaMGImAwB0D4MosRV4WMBOKkwgPdmS7GuZN66YUidXk3wTGqX3MYRw6M0kj4eNegSUwPXvp4q4p0KO8Y3xUMld54GY2ApX3WN3CBtC/vpJqEszjGBbbGg=="
}

response — Order Failed

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
        "orderId": "M1234567111",
        "orderNo": "3022111516571436",
        "amount": "100000.00",
        "fee": "0.00",
        "status": 3,
        "errorMsg": "Đơn hàng không tồn tại",
        "sign": "KKuvCl0SuNANJs+l2ogDaJm8pmV+Hi+Xa7q27vJ6D1Ehs4aOp13kRbITfJAhczh3T81BE9qwHeJaYwf+r0EypKM9TL6pMwfG8Az4gRy1D57wiUaVjl2PWcvbEqrn1hL0b+btkjvAM9I+CcSv+wuOW3/uku17Ws3FhgJLj9sFsQUBAPjDO+758VnwBytCOLBmljLBXyKgNgpmFQ1/DNkqWl0UNzyLK45Zw3yf5NiwhEFbvW0jlOWlfu/ql4hluISUQG573jEoFCBEnQLb2tQoRZj1QYNRCXPf5lbej0vzqbEwvR9h+ZOf255t1MocJkdIe463DTV5U3KZdVT87HMagw=="
    }
}

response — Order Successful

{
    "status": "1",
    "error": "00000000",
    "msg": "",
    "data": {
        "orderId": "M1234567112",
        "orderNo": "3022111517401574",
        "amount": "100000.00",
        "fee": "1003.00",
        "status": 2,
        "payTime": "2024-03-01 23:59:59",
        "sign": "khPtOmGq+cpKX0HFAI/lbP0dx4oVyNAnL5oLsdmhDJdASlQm0yg5I3o+MhImYggEsL6c2bo5fP29t54OZFqSdQDfIuNDvGbAMAr4mRBxc0hoHLkBLyyagfVPBLyQA1JY8XV3ZL4ySzQ3ZQnMCfrh2K39ueUuz6HpZ03Hj0KYijVRCXAZaio/L5jfLBT12QXmvIfAHa8s/k9flhK05ENHPep3zjj/MZGOEaX7jkEJLfjK0duypDCa61BRQjM+oePOdVsgleIl1Yf98UAxMDZ/A3912KFHEb+/jvmdnulNbiJFyuT1fEe+j2teUgw3vFsZAtwNWAgxhC7UO+N0Q5z4EA=="
    }
}

Response Data Description

Field	Type	Description
orderId	String	Merchant Order ID (must be unique)
orderNo	String	Platform Order ID
amount	String	Transaction Amount
fee	String	Fee
status	Integer	Order Status (0 = Not Started, 1 = Processing, 2 = Disbursement Successful (final), 3 = Disbursement Failed (final), -1 = Exception Pending Confirmation)
payTime	String	Disbursement Success Time (available when status = 2), format: yyyy-MM-dd HH:mm:ss
errorMsg	String	Disbursement Failure Reason (available when status = 3)
sign	String	Signature