Bank Transfer on Custom Checkout

You can now accept payments from customers in the form of online bank transfers using the Razorpay Custom Checkout.

How it Works

Customer selects bank transfer as the payment method on Checkout.
A Customer Identifier is created with the bank account number and IFSC details and displayed to the customer.
The customer copies these details and makes a netbanking payment from their online banking portal.

These Customer Identifiers are linked to the bank account you have registered with Razorpay. The payments are settled in your account as per the settlement schedule.

Feature Request

This is an on-demand feature. Please raise a request with our

Support team

to get this feature activated on your Curlec account.

Prerequisites

Create a Razorpay Account
.
Generate the API keys
.
Integrate with
Razorpay Custom Checkout
.

Integration Steps

Step 1: Create an Order

Order is an important step in the payment process.

An order should be created for every payment.
You can create an order using the
Orders API
. It is a server-side API call. Know how to
authenticate
Orders API.
The order_id received in the response should be passed to the checkout. This ties the order with the payment and secures the request from being tampered.

API Sample Code

Use this endpoint to create an order using the Orders API.

POST

/orders

curl -X POST https://api.razorpay.com/v1/orders
-U [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-H 'content-type:application/json'
-d '{
   "amount": 100,
   "currency": "MYR",
   "receipt": "qwsaq1",
   "partial_payment": true,
   "first_payment_min_amount": 230,
   "notes": {
     "key1": "value3",
     "key2": "value2"
   }
 }'

Request Parameters

amount

mandatory

integer The amount to be paid by the customer in sen. For example, if the amount is RM 500.00, enter 50000.

currency

mandatory

string The currency in which the payment should be made by the customer. Length must be of 3 characters.

receipt

optional

string Your receipt id for this order should be passed here. Maximum length is 40 characters.

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”.

partial_payment

optional

boolean Indicates whether the customer can make a partial payment. Possible values:

true: The customer can make partial payments.
false (default): The customer cannot make partial payments.

first_payment_min_amount

optional

integer Minimum amount that must be paid by the customer as the first partial payment. For example, if an amount of RM 7,000.00 is to be received from the customer in two installments of #1 - RM 5,000.00, #2 - RM 2,000.00 then you can set this value as 500000. This parameter should be passed only if partial_payment is true.

Know more about

Orders API

Response Parameters

Descriptions for the response parameters are present in the

Orders Entity

parameters table.

Error Response Parameters

The error response parameters are available in the

API Reference Guide

Step 2: Add `fetchVirtualAccount` method to Custom Checkout

Use the method fetchVirtualAccount to create and fetch the virtual account details. The method is called with the following data.

Sample Code

var data = {
 
  order_id: 'order_CuEzONfnOI86Ab',// Replace with Order ID generated in Step 1
  customer_id: "cust_1Aa00000000004",
  notes: {
    address: 'Ground Floor, SJR Cyber, Laskar Hosur Road, Bengaluru',
  }
};

razorpay.fetchVirtualAccount(data)
.then((response) => {
    console.log(response)
  })
  .catch((error) => {
    // 
});

Request Parameters

order_id

_mandatorystring The unique identifier of the order created in the previous step.

customer_id

optional

string The unique identifier of the customer. Learn how to create a customer using the

Customers API

. This parameter is mandatory if you want to associate the virtual account with a specific customer.

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”.

Response Parameters

string The unique identifier of the virtual account.

name

string The merchant billing label as it appears on the Razorpay Dashboard.

entity

string Indicates the type of entity. Here, it is virtual account.

status

string Indicates whether the virtual account is in active or closed state.

description

string A brief description about the virtual account.

amount_paid

integer The amount paid by the customer.

notes

json object Any custom notes you might want to add to the virtual account can be entered here. Refer

Notes section of the API Reference Guide

to learn more.

customer_id

string Unique identifier of the customer to whom the virtual account is linked. Refer the

Customer API

section to learn more.

receivers

json object Configuration of desired receivers for the virtual account.

string The unique identifier of the virtual bank account or virtual UPI ID. Sample IDs for:

virtual bank account
ba_Di5gbQsGn0QSz3
virtual UPI ID
vpa_CkTmLXqVYPkbxx.

entity

string Name of the entity. Possible values:

bank_account
vpa

ifsc

string The IFSC for the virtual bank account created. For example, RAZR0000001. This parameter appears in the response only when bank_account is passed as the receiver type.

bank_name

string The bank associated with the virtual bank account. For example, RBL Bank. This parameter appears in the response only when bank_account is passed as the receiver type.

account_number

string The unique account number provided by the bank. For example, 1112220061746877. This parameter appears in the response only when bank_account is passed as the receiver type.

name

string The merchant billing label as it appears on the Razorpay Dashboard. This parameter appears in the response only when bank_account is passed as the receiver type.

notes

json object Any custom notes you might want to add to the virtual bank account or virtual UPI ID can be entered here. Refer

Notes section of the API Reference Guide

to learn more. This parameter appears in the response only when bank_account is passed as the receiver type.

username

string The UPI ID consists of the username and the bank handle. The username consists of the namespace (assigned by the bank to Razorpay), the merchant prefix (which can be customised by you) and the descriptor (which you provide to identify the customer). The unique identifier which forms the first half of the virtual UPI ID. For example, rpy.payto00000gaurikumari. This parameter appears in the response only when vpa is passed as the receiver type.

handle

string The bank name that forms the second half of the virtual UPI ID. For example, icici. This parameter appears in the response only when vpa is passed as the receiver type.

address

string The UPI ID that combines the username and the handle with the @ symbol. For example, rpy.payto00000gaurikumari@icici. This parameter appears in the response only when vpa is passed as the receiver type.

close_by

integer UNIX timestamp at which the virtual account is scheduled to be automatically closed. The time must be at least 15 minutes after the current time. The date range can be set till 2147483647 in UNIX timestamp format (equivalent to Tuesday, January 19, 2038 8:44:07 AM GMT+05:30).

Handy Tips

Any request beyond 2147483647 UNIX timestamp will fail.

closed_at

integer UNIX timestamp at which the virtual account is automatically closed.

created_at

integer UNIX timestamp at which the virtual account was created.

Handy Tips

The above flow also works with the following cases:

With the Customer Fee bearer model, the amount validation should happen with Amount + Fee.
You can pass the customer id in Checkout to ensure that a static virtual account is created for each customer.

You must subscribe to the virtual_account.credited webhook event on the Razorpay Dashboard to receive notifications whenever customers make payments using bank transfers. Learn how to

setup webhooks

Sample Payload

{
  "entity": "event",
  "account_id": "acc_BFQ7uQEaa7j2z7",
  "event": "virtual_account.credited",
  "contains": [
    "payment",
    "virtual_account",
    "bank_transfer"
  ],
  "payload": {
    "payment": {
      "entity": {
        "id": "pay_DETA2KrOlhqQzF",
        "entity": "payment",
        "amount": 50000,
        "currency": "INR",
        "status": "captured",
        "order_id": "order_DBJOWzybf0sJbb",
        "invoice_id": null,
        "international": false,
        "method": "bank_transfer",
        "amount_refunded": 0,
        "amount_transferred": 0,
        "refund_status": null,
        "captured": true,
        "description": "NA",
        "card_id": null,
        "bank": null,
        "wallet": null,
        "vpa": null,
        "email": "gaurav.kumar@example.com",
        "contact": "+919000090000",
        "customer_id": "cust_1Aa00000000004",
        "notes": [],
        "fee": 731,
        "tax": 112,
        "error_code": null,
        "error_description": null,
        "created_at": 1567675983
      }
    },
    "virtual_account": {
      "entity": {
        "id": "va_DET8z3wBxfPB5L",
        "name": "Acme Corp",
        "entity": "virtual_account",
        "status": "active",
        "description": "Virtual Account to test webhook",
        "amount_expected": null,
        "notes": {
          "Important": "Notes for Internal Reference"
        },
        "amount_paid": 50000,
        "customer_id": "cust_1Aa00000000004",
        "close_by": null,
        "closed_at": null,
        "created_at": 1567675923,
        "receivers": [
          {
            "id": "ba_DET8z5Z5ghv4hW",
            "entity": "bank_account",
            "ifsc": "RATN0VAAPIS",
            "bank_name": "RBL Bank",
            "name": "Acme Corp",
            "account_number": "1112220006712324"
          }
        ]
      }
    },
    "bank_transfer": {
      "entity": {
        "id": "bt_DETA2KSUJ3uCM9",
        "entity": "bank_transfer",
        "payment_id": "pay_DETA2KrOlhqQzF",
        "mode": "NEFT",
        "bank_reference": "156767598340",
        "amount": 50000,
        "payer_bank_account": {
          "id": "ba_DETA2UuuKtKLR1",
          "entity": "bank_account",
          "ifsc": "KKBK0000007",
          "bank_name": "Kotak Mahindra Bank",
          "name": "Gaurav Kumar",
          "account_number": "765432123456789"
        },
        "virtual_account_id": "va_DET8z3wBxfPB5L"
      }
    }
  },
  "created_at": 1567675983
}