{  
   "merchantId":"TESTMERCHANT",
   "transactionId":"TX1234",
   "merchantOrderId":"ORDERID",
   "userAuthToken":"TXX",
   "amount":100, //total amount
   "paymentSources":[  
      {  
         "mode":"card",
         "cardId":"C1234",
         "cardIssuer":"VISA",
         "type":"DEBIT_CARD",
         "cvv":"123",
         "cardHolderName":"PhonePe User"
      },
      {  
         "mode":"wallets",
         "providers":[  //taking list here for multiple wallet providers
            "PHONEPE" 
         ]
      }
   ]
}

{  
 "request": "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"
}

🚧
If the code is PAYMENT_INITIATED, need to check status of the transaction using transaction status API.

{  
   "merchantId":"TESTMERCHANT",
   "transactionId":"TX1234",
   "merchantOrderId":"ORDERID",
   "userAuthToken":"TXX",
   "amount":100, //total amount
   "paymentSources":[  
      {  
         "mode":"upi",
         "type":"INLINE",
         "accountId":"AC1234"
      }
   ]
}

{  
 "request": "eyAgCiAgICJtZXJjaGFudElkIjoiVEVTVE1FUkNIQU5UIiwKICAgInRyYW5zYWN0aW9uSWQiOiJUWDEyMzQiLAogICAibWVyY2hhbnRPcmRlcklkIjoiT1JERVJJRCIsCiAgICJ1c2VyQXV0aFRva2VuIjoiVFhYIiwKICAgImFtb3VudCI6MTAwLCAKICAgImRldmljZUlkIjoiRDEyMzQiLAogICAicGF5bWVudFNvdXJjZXMiOlsgIAogICAgICB7ICAKICAgICAgICAgIm1vZGUiOiJ1cGkiLAogICAgICAgICAidHlwZSI6IklOTElORSIsCiAgICAgICAgICJhY2NvdW50SWQiOiJBQzEyMzQiCiAgICAgIH0KICAgXQp9"
}

{  
   "merchantId":"TESTMERCHANT",
   "userAuthToken":"TXX",
   "amount":7875,
   "transactionId":"TX10909099992",
   "merchantOrderId":"TX109090923",
   "paymentSources":[  
      {  
         "mode":"upi",
         "type":"INTENT"
      }
   ]
}

{  
 "request": "eyAgCiAgICJtZXJjaGFudElkIjoiVEVTVE1FUkNIQU5UIiwKICAgInVzZXJBdXRoVG9rZW4iOiJUWFgiLAogICAiYW1vdW50Ijo3ODc1LAogICAidHJhbnNhY3Rpb25JZCI6IlRYMTA5MDkwOTk5OTIiLAogICAibWVyY2hhbnRPcmRlcklkIjoiVFgxMDkwOTA5MjMiLAogICAicGF5bWVudFNvdXJjZXMiOlsgIAogICAgICB7ICAKICAgICAgICAgIm1vZGUiOiJ1cGkiLAogICAgICAgICAidHlwZSI6IklOVEVOVCIKICAgICAgfQogICBdCn0="
}

{  
   "merchantId":"TESTMERCHANT",
   "transactionId":"TX1234",
   "merchantOrderId":"ORDERID",
   "userAuthToken":"TXX",
   "amount":100, //total amount
   "paymentSources":[  
      {  
         "mode":"wallets",
         "providers":[  //taking list here for multiple wallet providers
            "PHONEPE" 
         ]
      }
   ]
}

{  
 "request": "eyAgCiAgICJtZXJjaGFudElkIjoiVEVTVE1FUkNIQU5UIiwKICAgInRyYW5zYWN0aW9uSWQiOiJUWDEyMzQiLAogICAibWVyY2hhbnRPcmRlcklkIjoiT1JERVJJRCIsCiAgICJ1c2VyQXV0aFRva2VuIjoiVFhYIiwKICAgImFtb3VudCI6MTAwLAogICAicGF5bWVudFNvdXJjZXMiOlsgIAogICAgICB7ICAKICAgICAgICAgIm1vZGUiOiJ3YWxsZXRzIiwKICAgICAgICAgInByb3ZpZGVycyI6WwogICAgICAgICAgICAiUEhPTkVQRSIgCiAgICAgICAgIF0KICAgICAgfQogICBdCn0="
}

Request Headers

Header Name	Header Value
`Content-Type`	application/json
`X-VERIFY`	SHA256(base64 encoded payload + "/v3/merchant/inline/pay" + salt key) + ### + salt index

Request Parameters

Parameter Name	Type	Description	Mandatory
`merchantId`	`STRING`	Unique `MerchantID` assigned to the merchant by PhonePe	`Yes`
`transactionId`	`STRING`	Unique merchant transaction id (merchants do a status check etc using this id).	`Yes`
`merchantUserId/ userAuthToken`	`STRING`	User Id to identify user / token generated while linking user	`Yes`
`amount`	`LONG`	Transaction amount in Paise	`Yes`
`merchantOrderId`	`STRING`	Merchant order id	`No`
*`paymentSources`	`ARRAY`	List of payment sources (explained below)	`Yes`
`deviceId`	`STRING`	Flag to indicate if user is otp verified	`No`

Response Codes

CODE	Despcription
`PAYMENT_INITIATED`	Success scenario - will contain redirect url(in case of card/wallet) / intent url(in case of UPI)
`AUTHORIZATION_FAILED`	Value of X-VERIFY is incorrect
`BAD_REQUEST`	Some mandatory parameter is missing
`INTERNAL_SERVER_ERROR`	Something went wrong
`INVALID_TRANSACTION_ID`	If the transaction id is not unique
`PAYMENT_ERROR`	If transaction fails due to reason not mentioned above, like our payment service fails or payment gateway is down

Transaction status check API:

After user is redirected to merchant page after completing the transaction, you can get the
status of transaction using transaction status api. Please use this link for reference.