Step 1: Check if your JSON format is correct at [https://jsonlint.com/](🔗).



Step 2: Encode above request to base64. You can check the correct encoding at [https://www.base64encode.org/](🔗)



Step 3: Calculate X-VERIFY

SHA256(only base64 encoded str+ "/v3/service/access" + salt key) + ### + salt index



SALT KEY will be shared by the PhonePe team corresponding to your Merchant ID.



You can validate the value at [https://passwordsgenerator.net/sha256-hash-generator/](🔗)

Once SHA256 is calculated, you should calculate the X-VERIFY header value.

SHA256(only base64 encoded str+ "/v3/charge" + salt key) + ### + salt index



Where 1 is keyIndex as shared above.

So the request should be: