NetBanking

This API allows you to accept payments using net banking from supported banks.

This flow enables card-on-file/tokenized card payments. Encryption and PCI-DSS compliance are mandatory.

🔐 Important:
• To integrate with the Custom Card Flow, you must be PCI-DSS certified.
• Card Number and CVV must be encrypted using RSA 4096 with padding method RSA/ECB/PKCS1Padding.
• The encryptionKey and encryptionKeyId will be provided at the MID level.
• If you’re operating with multiple MIDs, note that the encryption credentials will differ for each. Avoid hardcoding these values.

Environment

Environment	HTTP Method	API
Sandbox	`POST`	https://api-preprod.phonepe.com/apis/pg-sandbox/payments/v2/pay
Production	`POST`	https://api.phonepe.com/apis/pg/payments/v2/pay

⚠️ Before initiating a payment, install the PhonePe Test App and configure the payment template. Skipping this step may result in HTTP 500 errors.

Request

Request Header

Header Name	Header Value	Description
Content-Type	application/json
`Authorizatio`n	O-Bearer <access_token>	Pass `access_token` received in Authorization call

Request Parameters

Parameter Name	Data Type	Mandatory	Description	Constraints
`bankId`	String	Yes	Bank id from where payment will be completed.
`merchantOrderId`	String	Yes	Unique merchant order id generated by merchant.	Max Length = 63 charactersNo Special characters allowed except underscore “_” and hyphen “-“
`amount`	Long	Yes	Order amount in paisa.	Min Value = 100 (In paise)
`expireAfter`	Long	No	Order expiry in seconds. If not passed default value will be used.	Min Value = 300, Max Value = 5184000 Default Value (in Secs): UPI QR: 480 UPI Intent : 600 UPI Collect: 480 Card : 720 NetBanking : 480
`metaInfo`	Object	No	Merchant defined meta info to store additional information.same data will be returned in status and callback response.
`metaInfo.udf1-5`	String	No	Merchant defined additional information	Max length = 256 characters
`deviceContext.deviceOS`	String	Yes	device OS required only in case of UPI_INTENT	Values Allowed = [IOS, ANDROID]
`deviceContext.merchantCallBackScheme`	String	Yes	Merchant Callback Scheme. Required only in case targetApp = PHONEPE and deviceContext.deviceOS = IOS
`paymentFlow`	Object	Yes	Additional details required by this flow.
`paymentMode.type`	String	Yes	Type of payment mode	Values Allowed: • UPI_INTENT • UPI_COLLECT • UPI_QR • NET_BANKING • TOKEN • CARD
`merchantUrls.redirectUrl`	String	Yes	Url where user will be redirected after completing the payment. Mandatory only for [NET_BANKING, TOKEN, CARD] Payment Mode.	Valid Http url.

Try it yourself!

headers

body params

Response

Sample Response

{
"orderId": "OMO123456789",
"state": "PENDING",
"expireAt": 1703756259307,
"redirectUrl": ""
}

Field Name	Data Type	Description
`orderId`	String	PG generated internal order id.
`state`	String	State of the order created, Expected value is CREATED.
`expiryAt`	Long	Order expiry date in epoch (in milliseconds).
`redirectUrl`	String	Url where merchant is supposed to redirect user to complete payment.