Payment Flow
Payment Flow of AUTH & CAPTURE can be divided into 3 sub-flows:-
- PhonePe Wallet Linking Flow
- Wallet Balance & TopUp Flow
- Auth & Capture Flow
PhonePe Wallet Linking Flow
- User visits merchant platforms and proceed to link the PhonePe wallet with merchant platform
- User enters the mobile number
- Merchant calls the PhonePe Trigger OTP API. PhonePe server validates the request and sends the OTP to the customer.
- User enters the OTP
- Merchant calls the PhonePe Verify OTP API and get the OTP validated
- Merchant saves the UserAuthToken for future operations

Wallet Balance & Top-Up Flow
- On clicking on PhonePe, the user need to see the balance.
- Merchant server calls the Get Wallet Balance API with the userAuthToken received while linking the user’s PhonePe wallet
- PhonePe server validates the token and shares the usableBalance which can be displayed as a balance
- Merchant display the Wallet top-up CTA if the balance is insufficient requirements
- Merchant server calls Wallet TopUp API to get the redirection URL
- Redirects user to the URL for top-up
- User completes the top-up. Merchant client receives the response from PhonePe
- Merchant client passes the information to the server

Auth & Capture Flow
- User adds the services in the cart
- Cart passes details like items, amount, etc. to the merchant server
- Merchant server calls the Submit Auth Request API to block the amount in customer’s PhonePe Wallet
- PhonePe validates the request and blocks the amount. On successful block, PhonePe pass the auth Id to the merchant
- Merchant starts providing the services to the customer
- Once fulfillment is completed, the merchant server calculated the final amount and calls the Submit Capture Request API with the final amount that has to be debited
- PhonePe debits the amount and releases the remaining blocked amount. PhonePe confirms the status to the merchant
- Merchant notifies the customer

Updated over 1 year ago