The steps to integrate the Custom Checkout Page on the merchant's website.
For UPI Intent(Only)
[MANDATORY] The list of UPI Apps installed in the user's device should be fetched and listed on the Checkout Page under the UPI section.
[MANDATORY] The package name of the UPI app selected by the user should be passed in the PAY API request payload.
The merchant does a server-to-server call to initiate a payment request (PAY API). In response to this PAY API call, a URL for that particular transaction is returned to process the payment.
Refer here for PAY API - Pay Page
The merchant does a client-side redirection to the URL returned in Step 1. This will take the customer to the respective Bank Page for processing the payment using Cards/Net Banking.
The merchant will launch the UPI Intent URL received in Step 1 on the client side. This will launch the UPI Intent to process the payment using the respective UPI selected by the user on the merchant's checkout page.
Once the user has completed the payment, PhonePe will redirect to the redirectUrl passed in the request body to give the UI control back to the merchant website.
Once the user has completed the payment, PhonePe will automatically give the control back to the merchant app.
The merchant should check with their server if the S2S response is received.
Refer here for Server-to-Server Callback
If S2S is received, the checksum and amount should be validated on the server side and the payment status has to be updated on the merchant website.
If S2S is not received, then the PG Check Status API should be called and the amount should be validated in the response. The order status should be updated based on the transaction status provided by PhonePe.
Refer here for Check Status API
The S2S callback or PG Status API response will return the actual payment status. The payment status falls within these three categories and merchants should handle it.
If success response is received in merchant's server, then the success status has to be passed to the website and notify the customer with Payment Success page.
If failure response is received in merchant's server, then the failure status has to be passed to the website and notify the customer with Payment Failure page & ask the customer to retry payment.
If pending response is received in merchant's server, then the merchant can handle it in two ways depending on the use case.
Option 1: Pending status can be passed to the website and notify the customer with Payment Pending page. Ask the customer to wait for the terminal status and the status of the transaction should be shown in the order history page.
Option 2: Even though the payment status is Pending, Failure status can be passed to the website and notify the customer with Payment Failure page along with the refund message(If any amount is debited, the amount will be refunded back).
In case of cancellations or returns, the merchant can initiate a refund through Dashboard or Refund API. This refund will be done against the originalTransactionId (The actual transaction id of the forward payment). Refer here for the Refund API
Refer here for Refund API
Updated 10 months ago