Frequently Asked Questions

» Which payment methods are supported in Custom Checkout?

Custom Checkout supports the following payment methods:

• UPI Intent
• UPI QR
• Credit/Debit Cards (including Saved Cards)
• Tokenized Cards
• Net Banking

» Is PCI-DSS compliance required for Custom Checkout?

• For UPI & NetBanking: No, since no sensitive card data is handled by you.
• For Cards: Yes. If you are collecting card details (Number, Expiry, CVV) on your own UI, you must have the appropriate PCI-DSS certification.
  Alternatively, you can use PhonePe’s Web-SDK/iFrame components to remain PCI-compliant while keeping a custom look.

» How do I fetch the list of supported banks for NetBanking?

To fetch the list of supported banks for NetBanking, refer to the Supported NetBanking list.

» How do I integrate UPI Intent API for website and app?

• Mobile Applications: Ensure to pass the deviceContext.deviceOS and paymentFlow.targetApp.
• Desktop websites: Ensure to either pass deviceContext.deviceOS and paymentFlow.targetApp as null or skip these parameters. Convert the received intentUrl to a QR code.
  Refer to UPI Intent for more information.

» What is a Card Encryption File and how to access it?

Card Encryption File is required to integrate the Custom Cards API.
In the test environment this file is provided by the Integration Team. In Production this file is provided by the Onboarding Team.

» “Collect Not Supported” or “Transaction Declined” for collect payment method

You are attempting to use the UPI Collect method. As per the latest NPCI directive, UPI Collect has been disabled.

Refer to UPI Collect for more information. 

» How to configure the webhooks?

Webhooks can be configured from the phonepe business dashboard 

• Open Settings: Go to Developer Settings > Webhook tab.
• Create: Click the Create Webhook button and fill in: URL: Your server’s endpoint (e.g., https://api.yoursite.com/phonepe-callback).
• Auth Details: Enter your Username and Password for endpoint security.
• Description: A short label to identify this webhook.

» Is it possible to configure multiple webhooks?

Yes, multiple webhooks can be configured under the same eventType. However, it is recommended to configure one common URL for different eventTypes to avoid duplication of responses.

» How to change the webhook URL?

You can edit your webhook to replace the webhook URL, modify the username and password, and add or remove events and disable / enable. 

Open Settings: Go to Developer Settings > Webhook tab > Click Url > Edit

» Will I receive any webhooks for bulk refunds?

We do not provide webhooks for bulk refunds. To check the status of individual transactions within a bulk refund, you can visit the Bulk Refunds section on the Merchant Dashboard. From there, you can download a detailed transaction report to verify the status of each refund.

» Why is there a delay in UTR generation for refunds?

• If the refund is initiated to an internal VPA (PhonePe VPA), the UTR is generated within 24 hours.
• If the refund is initiated to an external VPA user, the refund is processed via the NPCI portal by PhonePe once initiated from the merchant’s portal. In such cases, it may take T+2 days for the UTR to be generated.

» What should be done if the user doesn’t receive the amount even after UTR generation?

• Once the UTR is generated, PhonePe does not have visibility or dependency on the transaction.
• In such cases, merchants should advise the user to contact their respective bank with the generated UTR for further assistance.

» Minimum Amount limits for NetBanking and Cards

The minimum amount limit for Netbaking and Cards is 10/-

» Where can I see the test credentials?

The test credentials are available on the PhonePe Business Dashboard once the test mode is enabled. The details are under the Developer Settings tab, located on the left-hand side of the dashboard.

Note: For SME merchants intending to integrate the Custom API, S2S_SME tagging is mandatory.