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Make Payments

API Test Keys

Make a Payment

POST
/v1/payments/pay

Click to copy

Use this endpoint to make payments from a payer to a payee. The first step of making a payment is to capture the UPI PIN.

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Curl

1
curl -X POST 'api.rzp.<bank>.com/v1/payments/pay' \
2
-u [YOUR_KEY_ID]:[YOUR_SECRET] \
3
-H "Content-type: application/json" \
4
-H "x-device-fingerprint: <device_fingerprint>" \
5
-H "x-device-fingerprint-timestamp: 1496918882000" \
6
-H "x-customer-reference: customer-id-from-customer" \
7
-d '{
8
  "upi_transaction_id": "RZP1KuSUGrp2l6MmPuT0163789452QPAY02",
9
  "reference_id": "RSKwpINfSkdEvtdxf",
10
  "upi_initiation_mode": "00",
11
  "upi_purpose_code": "00",
12
  "upi_reference_url": "https://www.test.com",
13
  "upi_reference_category": "00",
14
  "device": {
15
    "geocode": "1234.1213",
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    "ip": "198.1.1.1"
17
  },
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  "currency": "INR",
19
  "amount": 100,
20
  "description": "UPI transaction",
21
  "payer": {
22
    "fundsource_id": "fs_Mock14charID"
23
  },
24
  "upi_credentials": {},
25
  "payees": [
26
    {
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      "vpa": "9560137963.stage@rzp"
28
    }
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  ]
30
}'

Response

1
{
2
  "entity":"upi.payment",
3
  "upi_transaction_id":"RZPc2ed455b797e4add8392110cfc528acc",
4
  "reference_id":"ord_somfv432nsa",
5
  "upi_customer_reference_number":"804813039157",
6
  "upi_reference_url":"https://www.test.com",
7
  "upi_reference_category":"00",
8
  "upi_initiation_mode":"00",
9
  "upi_purpose_code":"00",
10
  "currency":"INR",
11
  "amount":10024,
12
  "type":"pay | collect",
13
  "description":"flight tickets",
14
  "payer":{
15
    "vpa":"rohit@rzp",
16
    "fundsource":{
17
      "ifsc":"AXIS0000058",
18
      "masked_account_number":"XXXXXXXXXXX3000"
19
    },
20
    "name":"Rohit Sharma",
21
    "mcc":"0000",
22
    "upi_response_code":"00",
23
    "upi_reversal_response_code":"string"
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  },
25
  "payees":[
26
    {
27
      "vpa":"swiggy@rzp",
28
      "fundsource":{
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        "ifsc":"HDFC0000058",
30
        "masked_account_number":"XXXXXXXXXXX6000"
31
      },
32
      "name":"Swiggy Pvt. Ltd.",
33
      "mcc":"6765",
34
      "upi_response_code":"00",
35
      "upi_reversal_response_code":"string"
36
    }
37
  ],
38
  "status":"pending | success | failed",
39
  "created_at":"1722317078"
40
}
Request Parameters
upi_transaction_id

*

string

The unique identifier of the transaction across all entities in UPI is created by the originator. In payments, the lifecycle starts from CL, so it is mandatory for the originator to create it. All further actions regarding this payment will be done using this ID.

Watch Out!

This value should be alphanumeric and a maximum of 35 characters are allowed. The value should start with a prefix given by NPCI to Switch.

reference_id
string

Indicates the transaction ID used by businesses for their reference. It is used at the business level and not in the UPI ecosystem. This value should be alphanumeric and between 1 and 35 characters.

upi_initiation_mode
enum

Indicates the 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 00 = Default: When no specific code is assigned or for general default scenarios.
  • 01 = QR Code: For making payments by scanning a standard QR code.
  • 02 = Secure QR Code: For payments that require additional security with QR codes.
  • 03 = Bharat QR Code: For interoperable payments across various payment networks using Bharat QR.
  • 04 = Intent: For payments initiated by an intent from an application or browser.
  • 05 = Secure Intent: For payments initiated by a secure intent from an app or browser.
  • 06 = NFC (Near Field Communication): For contactless payments using NFC technology.
  • 07 = BLE (Bluetooth): For payments made through Bluetooth Low Energy technology.
  • 08 = UHF (Ultra High Frequency): For payments made using UHF technology, typically for toll payments.
  • 09 = Aadhaar: For payments authenticated using an Aadhaar number and biometric verification.
  • 10 = SDK (Software Development Kit): For payments initiated through an SDK embedded in an app.
  • 11 = UPI-Mandate: For setting up recurring payments or mandates using UPI.
  • 12 = FIR (Foreign Inward Remittance): For receiving remittances from foreign countries.
  • 13 = QR Mandate: For setting up recurring payments using a QR code.
  • 14 = BBPS: For making bill payments through the Bharat Bill Payment System.

upi_purpose_code
enum

The 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 01 – SEBI
  • 02 – AMC
  • 03 – Travel
  • 04 – Hospitality
  • 05 – Hospital
  • 06 – Telecom
  • 07 – Insurance
  • 08 – Education
  • 09 – Gifting
  • 10 – BBPS
  • 11 – Global UPI
  • 12 – Metro ATM QR
  • 13 – Non-metro ATM QR
  • 14 – Standing Instruction
  • 15 – Corporate disbursement

upi_reference_url

*

string

Indicates a URL that, upon clicking, provides the customer with further transaction details such as bill details, bill copy, order copy, ticket details, and so on. When used, this URL should be related to the particular transaction and not be used to send unsolicited information irrelevant to the transaction.

upi_reference_category

*

string

The 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 00 - NULL
  • 01 - Advertisement
  • 02 - Invoice

device

*

object

The device details.

Show child parameters (2)

currency

*

string

The currency of the amount. Here, it is INR.

amount

*

integer

The amount in paise.

description
string

The description of the payment.

payer

*

object

The payer details.

Show child parameters (1)

upi_credentials

*

object

Encrypted credentials as created by NPCI.

payees

*

array

The payee details.

vpa
string

The VPA of the payee.

Response Parameters
entity
string

The entity type. Here, it is payment.

upi_transaction_id
string

The unique identifier of the transaction across all entities in UPI is created by the originator. In payments, the lifecycle starts from CL, so it is mandatory for the originator to create it. All further actions regarding this payment will be done using this ID.

Watch Out!

This value should be alphanumeric and a maximum of 35 characters are allowed. The value should start with a prefix given by NPCI to Switch.

reference_id
string

Indicates the transaction ID used by merchants for their reference. It is used at the business level and not in the UPI ecosystem. This value should be alphanumeric and between 1 and 35 characters.

upi_customer_reference_number
string

Indicates the UPI customer reference number. This is present in bank account statements as UTR. Additionally, this ID is shared with customers on TPAPs.

upi_reference_url
string

Indicates a URL that, upon clicking, provides the customer with further transaction details such as bill details, bill copy, order copy, ticket details, and so on. When used, this URL should be related to the particular transaction and not be used to send unsolicited information irrelevant to the transaction.

upi_reference_category
string

The 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 00 - NULL
  • 01 - Advertisement
  • 02 - Invoice

upi_initiation_mode
enum

Indicates the 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 00 = Default: When no specific code is assigned or for general default scenarios.
  • 01 = QR Code: For making payments by scanning a standard QR code.
  • 02 = Secure QR Code: For payments that require additional security with QR codes.
  • 03 = Bharat QR Code: For interoperable payments across various payment networks using Bharat QR.
  • 04 = Intent: For payments initiated by an intent from an application or browser.
  • 05 = Secure Intent: For payments initiated by a secure intent from an app or browser.
  • 06 = NFC (Near Field Communication): For contactless payments using NFC technology.
  • 07 = BLE (Bluetooth): For payments made through Bluetooth Low Energy technology.
  • 08 = UHF (Ultra High Frequency): For payments made using UHF technology, typically for toll payments.
  • 09 = Aadhaar: For payments authenticated using an Aadhaar number and biometric verification.
  • 10 = SDK (Software Development Kit): For payments initiated through an SDK embedded in an app.
  • 11 = UPI-Mandate: For setting up recurring payments or mandates using UPI.
  • 12 = FIR (Foreign Inward Remittance): For receiving remittances from foreign countries.
  • 13 = QR Mandate: For setting up recurring payments using a QR code.
  • 14 = BBPS: For making bill payments through the Bharat Bill Payment System.

upi_purpose_code
enum

The 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 01 – SEBI
  • 02 – AMC
  • 03 – Travel
  • 04 – Hospitality
  • 05 – Hospital
  • 06 – Telecom
  • 07 – Insurance
  • 08 – Education
  • 09 – Gifting
  • 10 – BBPS
  • 11 – Global UPI
  • 12 – Metro ATM QR
  • 13 – Non-metro ATM QR
  • 14 – Standing Instruction
  • 15 – Corporate disbursement

currency
string

The currency of the amount. Here, it is INR.

amount
integer

The amount in paise.

type
string

The type of the payment. Possible values:

  • pay
  • collect

description
string

The description of the payment.

payer
object

The payer details.

Show child parameters (6)

payees
object

The payee details.

Show child parameters (6)

status
string

The status of the payment. Possible values:

  • created
  • initiated
  • pending
  • success
  • failed

created_at
integer

The UNIX timestamp of the payment creation.

Make a Payment

POST
/v1/payments/pay

Click to copy

Use this endpoint to make payments from a payer to a payee. The first step of making a payment is to capture the UPI PIN.

Is this page helpful?

Request Parameters
upi_transaction_id

*

string

The unique identifier of the transaction across all entities in UPI is created by the originator. In payments, the lifecycle starts from CL, so it is mandatory for the originator to create it. All further actions regarding this payment will be done using this ID.

Watch Out!

This value should be alphanumeric and a maximum of 35 characters are allowed. The value should start with a prefix given by NPCI to Switch.

reference_id
string

Indicates the transaction ID used by businesses for their reference. It is used at the business level and not in the UPI ecosystem. This value should be alphanumeric and between 1 and 35 characters.

upi_initiation_mode
enum

Indicates the 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 00 = Default: When no specific code is assigned or for general default scenarios.
  • 01 = QR Code: For making payments by scanning a standard QR code.
  • 02 = Secure QR Code: For payments that require additional security with QR codes.
  • 03 = Bharat QR Code: For interoperable payments across various payment networks using Bharat QR.
  • 04 = Intent: For payments initiated by an intent from an application or browser.
  • 05 = Secure Intent: For payments initiated by a secure intent from an app or browser.
  • 06 = NFC (Near Field Communication): For contactless payments using NFC technology.
  • 07 = BLE (Bluetooth): For payments made through Bluetooth Low Energy technology.
  • 08 = UHF (Ultra High Frequency): For payments made using UHF technology, typically for toll payments.
  • 09 = Aadhaar: For payments authenticated using an Aadhaar number and biometric verification.
  • 10 = SDK (Software Development Kit): For payments initiated through an SDK embedded in an app.
  • 11 = UPI-Mandate: For setting up recurring payments or mandates using UPI.
  • 12 = FIR (Foreign Inward Remittance): For receiving remittances from foreign countries.
  • 13 = QR Mandate: For setting up recurring payments using a QR code.
  • 14 = BBPS: For making bill payments through the Bharat Bill Payment System.

upi_purpose_code
enum

The 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 01 – SEBI
  • 02 – AMC
  • 03 – Travel
  • 04 – Hospitality
  • 05 – Hospital
  • 06 – Telecom
  • 07 – Insurance
  • 08 – Education
  • 09 – Gifting
  • 10 – BBPS
  • 11 – Global UPI
  • 12 – Metro ATM QR
  • 13 – Non-metro ATM QR
  • 14 – Standing Instruction
  • 15 – Corporate disbursement

upi_reference_url

*

string

Indicates a URL that, upon clicking, provides the customer with further transaction details such as bill details, bill copy, order copy, ticket details, and so on. When used, this URL should be related to the particular transaction and not be used to send unsolicited information irrelevant to the transaction.

upi_reference_category

*

string

The 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 00 - NULL
  • 01 - Advertisement
  • 02 - Invoice

device

*

object

The device details.

Show child parameters (2)

currency

*

string

The currency of the amount. Here, it is INR.

amount

*

integer

The amount in paise.

description
string

The description of the payment.

payer

*

object

The payer details.

Show child parameters (1)

upi_credentials

*

object

Encrypted credentials as created by NPCI.

payees

*

array

The payee details.

vpa
string

The VPA of the payee.

Response Parameters
entity
string

The entity type. Here, it is payment.

upi_transaction_id
string

The unique identifier of the transaction across all entities in UPI is created by the originator. In payments, the lifecycle starts from CL, so it is mandatory for the originator to create it. All further actions regarding this payment will be done using this ID.

Watch Out!

This value should be alphanumeric and a maximum of 35 characters are allowed. The value should start with a prefix given by NPCI to Switch.

reference_id
string

Indicates the transaction ID used by merchants for their reference. It is used at the business level and not in the UPI ecosystem. This value should be alphanumeric and between 1 and 35 characters.

upi_customer_reference_number
string

Indicates the UPI customer reference number. This is present in bank account statements as UTR. Additionally, this ID is shared with customers on TPAPs.

upi_reference_url
string

Indicates a URL that, upon clicking, provides the customer with further transaction details such as bill details, bill copy, order copy, ticket details, and so on. When used, this URL should be related to the particular transaction and not be used to send unsolicited information irrelevant to the transaction.

upi_reference_category
string

The 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 00 - NULL
  • 01 - Advertisement
  • 02 - Invoice

upi_initiation_mode
enum

Indicates the 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 00 = Default: When no specific code is assigned or for general default scenarios.
  • 01 = QR Code: For making payments by scanning a standard QR code.
  • 02 = Secure QR Code: For payments that require additional security with QR codes.
  • 03 = Bharat QR Code: For interoperable payments across various payment networks using Bharat QR.
  • 04 = Intent: For payments initiated by an intent from an application or browser.
  • 05 = Secure Intent: For payments initiated by a secure intent from an app or browser.
  • 06 = NFC (Near Field Communication): For contactless payments using NFC technology.
  • 07 = BLE (Bluetooth): For payments made through Bluetooth Low Energy technology.
  • 08 = UHF (Ultra High Frequency): For payments made using UHF technology, typically for toll payments.
  • 09 = Aadhaar: For payments authenticated using an Aadhaar number and biometric verification.
  • 10 = SDK (Software Development Kit): For payments initiated through an SDK embedded in an app.
  • 11 = UPI-Mandate: For setting up recurring payments or mandates using UPI.
  • 12 = FIR (Foreign Inward Remittance): For receiving remittances from foreign countries.
  • 13 = QR Mandate: For setting up recurring payments using a QR code.
  • 14 = BBPS: For making bill payments through the Bharat Bill Payment System.

upi_purpose_code
enum

The 2-digit code defined by NPCI present in the intent URL or QR codes. Possible values:

  • 01 – SEBI
  • 02 – AMC
  • 03 – Travel
  • 04 – Hospitality
  • 05 – Hospital
  • 06 – Telecom
  • 07 – Insurance
  • 08 – Education
  • 09 – Gifting
  • 10 – BBPS
  • 11 – Global UPI
  • 12 – Metro ATM QR
  • 13 – Non-metro ATM QR
  • 14 – Standing Instruction
  • 15 – Corporate disbursement

currency
string

The currency of the amount. Here, it is INR.

amount
integer

The amount in paise.

type
string

The type of the payment. Possible values:

  • pay
  • collect

description
string

The description of the payment.

payer
object

The payer details.

Show child parameters (6)

payees
object

The payee details.

Show child parameters (6)

status
string

The status of the payment. Possible values:

  • created
  • initiated
  • pending
  • success
  • failed

created_at
integer

The UNIX timestamp of the payment creation.

Curl

1
curl -X POST 'api.rzp.<bank>.com/v1/payments/pay' \
2
-u [YOUR_KEY_ID]:[YOUR_SECRET] \
3
-H "Content-type: application/json" \
4
-H "x-device-fingerprint: <device_fingerprint>" \
5
-H "x-device-fingerprint-timestamp: 1496918882000" \
6
-H "x-customer-reference: customer-id-from-customer" \
7
-d '{
8
  "upi_transaction_id": "RZP1KuSUGrp2l6MmPuT0163789452QPAY02",
9
  "reference_id": "RSKwpINfSkdEvtdxf",
10
  "upi_initiation_mode": "00",
11
  "upi_purpose_code": "00",
12
  "upi_reference_url": "https://www.test.com",
13
  "upi_reference_category": "00",
14
  "device": {
15
    "geocode": "1234.1213",
16
    "ip": "198.1.1.1"
17
  },
18
  "currency": "INR",
19
  "amount": 100,
20
  "description": "UPI transaction",
21
  "payer": {
22
    "fundsource_id": "fs_Mock14charID"
23
  },
24
  "upi_credentials": {},
25
  "payees": [
26
    {
27
      "vpa": "9560137963.stage@rzp"
28
    }
29
  ]
30
}'

Response

1
{
2
  "entity":"upi.payment",
3
  "upi_transaction_id":"RZPc2ed455b797e4add8392110cfc528acc",
4
  "reference_id":"ord_somfv432nsa",
5
  "upi_customer_reference_number":"804813039157",
6
  "upi_reference_url":"https://www.test.com",
7
  "upi_reference_category":"00",
8
  "upi_initiation_mode":"00",
9
  "upi_purpose_code":"00",
10
  "currency":"INR",
11
  "amount":10024,
12
  "type":"pay | collect",
13
  "description":"flight tickets",
14
  "payer":{
15
    "vpa":"rohit@rzp",
16
    "fundsource":{
17
      "ifsc":"AXIS0000058",
18
      "masked_account_number":"XXXXXXXXXXX3000"
19
    },
20
    "name":"Rohit Sharma",
21
    "mcc":"0000",
22
    "upi_response_code":"00",
23
    "upi_reversal_response_code":"string"
24
  },
25
  "payees":[
26
    {
27
      "vpa":"swiggy@rzp",
28
      "fundsource":{
29
        "ifsc":"HDFC0000058",
30
        "masked_account_number":"XXXXXXXXXXX6000"
31
      },
32
      "name":"Swiggy Pvt. Ltd.",
33
      "mcc":"6765",
34
      "upi_response_code":"00",
35
      "upi_reversal_response_code":"string"
36
    }
37
  ],
38
  "status":"pending | success | failed",
39
  "created_at":"1722317078"
40
}