Payment Methods

Accepting more payment methods helps your business expand its reach and improve checkout conversion.

We categorise payment methods into six groups:

• Cards
• UPI
• Net banking
• Wallets
• Paylaters and Cardless EMIs
• Bank Transfer

All payment methods have similar integrations and common checkout experiences. After you’ve integrated one payment method, you can add another within the same family with minimal changes to your integration.

Activating payment methods from the dashboard

Navigate to Settings on the Merchant Dashboard and select Payment Methods under Payment Gateway to view all enabled payment modes on the account. A request for any payment mode can also be initiated directly from the dashboard.

Activating Paytm from the dashboard

Activating PayPal from the dashboard

Cards

Cards are a common way for consumers and businesses to pay online or in person. Cashfree supports global and local card networks. See the card brands that Cashfree supports.

You can accept payments from your customers using debit or credit cards from all international providers. Check the various capabilities we offer with Cards:

3D Secure 2.0

Enhanced security protocol that provides real-time risk assessment and authentication for online transactions.

CVV less flow

Remove the need for entering the CVV for cards saved with Cashfree

Save Cards

Securely store and tokenise cards in a PCI-compliant vault

Recurring Payments

Automated billing system for subscriptions and recurring charges with flexible scheduling options.

Credit Card EMI

Support for EMI payments on credit cards with more than 10 banks.

We support the following card networks.

Visa

Rupay

Mastercard

American Express

Diners

UPI

UPI is the most popular payment method in India. UPI lets customers directly transfer money from their bank account or alternate funding source (like credit cards, Pre-paid wallet) using an authenticating intermediary, like a phone number.

UPI Intent, QR and Collect

Collect UPI payments using intent, QR or collect.

Flash UPI

Add the UPI SDK to your app to power in-app payments.

Recurring Payments

Support for UPI one-time mandates and recurring payments.

Net Banking

Cashfree can accept payments from your customers using Netbanking. This method is available by default. You can view which all net banking banks are enabled for your account in the Merchant Dashboard.

List of Netbanking with codes and TPV supported flags

For testing purposes in sandbox mode merchant can use below bank code “customer_bank_code”: 3333

Bank Name	Code	TPV_Supported	Bank Code
Airtel Payments Bank	3123	No	AIRPR
Andhra Pragathi Grameena Bank	3094	No	APGBR
AU Small Finance Bank	3087	Yes	AUBLR
Axis Bank	3003	Yes	UTIBR
Axis Bank - Corporate	3071	No	UTIBC
Bandhan Bank - Retail Banking	3088	Yes	BDBLR
Bank of Bahrain and Kuwait	3095	No	BBKMR
Bank of Baroda - Corporate	3060	Yes	BARBC
Bank of Baroda - Retail Banking	3005	Yes	BARBR
Bank of India	3006	Yes	BKIDR
Bank of India - Corporate	3061	No	BKIDC
Bank of Maharashtra	3007	Yes	MAHBR
Barclays - Corporate	3080	No	BARCC
Canara Bank	3009	Yes	CNRBR
Capital Small Finance Bank	3098	Yes	CLBLR
Central Bank of India	3011	Yes	CBINR
City Union Bank	3012	Yes	CIUBR
Cosmos Bank	3097	Yes	COSBR
CSB Bank Limited	3010	Yes	CSBKR
DBS Bank Ltd	3017	No	DBSSR
DCB Bank - Personal	3018	No	DCBLR
Deutsche Bank	3016	Yes	DEUTR
Dhanlakshmi Bank	3019	Yes	DLXBR
Dhanlaxmi Bank - Corporate	3072	No	DLXBC
Equitas Small Finance Bank	3076	No	ESFBR
ESAF Small Finance Bank	3100	No	ESMFR
Federal Bank	3020	Yes	FDRLR
Fincare Bank	3101	No	FSFBR
Gujarat State Co-operative Bank Limited	3091	Yes	GSCBR
HDFC Bank	3021	Yes	HDFCR
HDFC Corporate	3084	No	HDFCC
HSBC Retail NetBanking	3092	Yes	HSBCR
ICICI Bank	3022	Yes	ICICR
ICICI Bank - Corporate	3073	No	ICICC
IDBI Bank	3023	Yes	IBKLR
IDBI Bank - Corporate	3124	No	IBKLC
IDFC FIRST Bank	3024	Yes	IDFBR
Indian Bank	3026	Yes	IDIBR
Indian Overseas Bank	3027	Yes	IOBAR
Indian Overseas Bank - Corporate	3081	No	IOBAC
IndusInd Bank	3028	Yes	INDBR
Jammu and Kashmir Bank	3029	Yes	JAKAR
Jana Small Finance Bank	3102	Yes	JSFBR
Janata Sahakari Bank Ltd Pune	3104	No	JSBPR
Kalyan Janata Sahakari Bank	3105	No	KJSBR
Karnataka Bank Ltd	3030	Yes	KARBR
Karnataka Gramin Bank	3113	No	PKGBR
Karnataka Vikas Grameena Bank	3107	No	KVGBR
Karur Vysya Bank	3031	Yes	KVBLR
Kotak Mahindra Bank	3032	Yes	KKBKR
Maharashtra Gramin Bank	3108	No	MAHGR
Mehsana urban Co-op Bank	3109	No	MSNUR
NKGSB Co-op Bank	3111	No	NKGSR
Nutan Nagarik Sahakari Bank Limited	3112	No	NNSBR
Punjab & Sind Bank	3037	Yes	PSIBR
Punjab National Bank - Corporate	3065	No	PUNBC
Punjab National Bank - Retail Banking	3038	Yes	PUNBR
RBL Bank	3039	Yes	RATNR
RBL Bank Limited - Corporate	3114	No	RATNC
Saraswat Bank	3040	Yes	SRCBR
SBM Bank India	3115	Yes	STCBR
Shamrao Vithal Bank - Corporate	3075	No	SVCBC
Shamrao Vitthal Co-operative Bank	3041	No	SVCBR
Shivalik Small Finance Bank	3086	Yes	SMCBR
South Indian Bank	3042	Yes	SIBLR
Standard Chartered Bank	3043	Yes	SCBLR
State Bank Of India	3044	Yes	SBINR
State Bank of India - Corporate	3066	No	SBINC
Suryoday Small Finance Bank	3116	No	SURYR
Tamil Nadu State Co-operative Bank	3051	No	TNSCR
Tamilnad Mercantile Bank Ltd	3052	Yes	TMBLR
Thane Bharat Sahakari Bank Ltd	3118	No	TBSBR
The Kalupur Commercial Co-Operative Bank	3106	No	KCCBR
The Surat Peoples Co-operative Bank Ltd	3090	Yes	SPCBR
The Sutex Co-op Bank Ltd	3117	Yes	SUTBR
TJSB Bank	3119	No	TJSBR
UCO Bank	3054	Yes	UCBAR
UCO Bank Corporate	3122	No	UCBAC
Ujjivan Small Finance Bank	3126	Yes	UJVNR
Union Bank of India	3055	Yes	UBINR
Union Bank of India - Corporate	3067	No	UBINC
Utkarsh Small Finance Bank	3089	Yes	UTKSR
Varachha Co-operative Bank Limited	3120	No	VARAR
Yes Bank - Corporate	3077	No	YESBC
Yes Bank Ltd	3058	Yes	YESBR
Zoroastrian Co-Operative Bank Ltd	3121	No	ZCBLR

Wallets

Cashfree supports a wide range of wallets to receive payments.

Wallet Name	Activation
PayTM	SELF-ACTIVATE
FreeCharge	AUTOMATIC
PayPal	SELF-ACTIVATE
MobiKwik	AUTOMATIC
Ola Money	AUTOMATIC
Airtel Money	AUTOMATIC
Amazon Pay	AUTOMATIC
PhonePe	AUTOMATIC

Paylaters and Cardless EMIs

Cashfree supports payment options with EMI and Pay Later methods. Seamlessly integrate Cashfree’s platform to offer a range of credit and debit card EMIs, along with diverse Pay Later providers, enhancing the checkout experience.

Credit Card EMI

Cashfree supports Credit Card EMI payment method. You can use different EMI providers on our platform. Below is a list of supported providers and their payment codes for a seamless flow. If you are using a Cashfree hosted integration, we will automatically show all these options to eligible users on the checkout page.

Here is a sample of the request that you need to send to /orders/sessions to process a seamless EMI payment. Read more here.

{	      "payment_session_id":"session_mdCizuqcgJWbIhdJ4rjONvpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk",
"payment_method" : {
		"emi": {
			"channel": "link",
			"card_number": "4111111111111111",
			"card_expiry_mm": "12",
			"card_expiry_yy": "22",
			"card_cvv": "123",
			"card_bank_name": "hdfc",
			"emi_tenure": 3
		}
	}
}

We support varying tenures for each of these: 3, 6, 9, 12, 14, 18, 24, 36 depending on the issuing bank.

The following card issuers are supported for card-based EMIs.

Please send the exact values in the card_bank_name parameter. We support varying tenures for each of these: 3, 6, 9, 12, 14, 18, 24, 36 depending on the issuing bank.

Credit Card EMI Plans

Card Type	Type of EMI	Bank	card_bank_name	Minimum Amount	Maximum Amount	Annual Interest Rate	Tenure
Credit	Standard	HDFC Bank	hdfc	1000	500000	16	3
Credit	Standard	HDFC Bank	hdfc	3000	500000	16	6
Credit	Standard	HDFC Bank	hdfc	3000	500000	16	9
Credit	Standard	HDFC Bank	hdfc	3000	500000	16	12
Credit	Standard	Axis Bank	axis	2500	1000000	14	3
Credit	Standard	Axis Bank	axis	2500	1000000	14	6
Credit	Standard	Axis Bank	axis	2500	1000000	15	9
Credit	Standard	Axis Bank	axis	2500	1000000	15	12
Credit	Standard	Axis Bank	axis	2500	1000000	16	18
Credit	Standard	Axis Bank	axis	2500	1000000	16	24
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	3
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	6
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	9
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	12
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	18
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	24
Credit	Standard	Bank of Baroda	bob	2500	-	13	3
Credit	Standard	Bank of Baroda	bob	2500	-	14	6
Credit	Standard	Bank of Baroda	bob	2500	-	14	9
Credit	Standard	Bank of Baroda	bob	2500	-	15	12
Credit	Standard	Bank of Baroda	bob	2500	-	16	24
Credit	Standard	Bank of Baroda	bob	2500	-	16	36
Credit	Standard	Standard Chartered	standard chartered	2000	500000	11.88	3
Credit	Standard	Standard Chartered	standard chartered	2000	500000	14	6
Credit	Standard	Standard Chartered	standard chartered	2000	500000	15	9
Credit	Standard	Standard Chartered	standard chartered	2000	500000	15	12
Credit	Standard	Standard Chartered	standard chartered	2000	500000	15	18
Credit	Standard	Standard Chartered	standard chartered	2000	500000	15	24
Credit	Standard	RBL Bank	rbl	1500	-	13	3
Credit	Standard	RBL Bank	rbl	1500	-	14	6
Credit	Standard	RBL Bank	rbl	1500	-	15	9
Credit	Standard	RBL Bank	rbl	1500	-	15	12
Credit	Standard	RBL Bank	rbl	1500	-	15	18
Credit	Standard	RBL Bank	rbl	1500	-	15	24
Credit	Standard	AU Small Bank	au	2000	-	14	3
Credit	Standard	AU Small Bank	au	2000	-	14	6
Credit	Standard	AU Small Bank	au	2000	-	14	9
Credit	Standard	AU Small Bank	au	2000	-	14	12
Credit	Standard	AU Small Bank	au	2000	-	14	18
Credit	Standard	AU Small Bank	au	2000	-	14	24
Credit	Standard	IndusInd Bank	indus	2000	-	14	3
Credit	Standard	IndusInd Bank	indus	2000	-	14	6
Credit	Standard	IndusInd Bank	indus	2000	-	14	9
Credit	Standard	IndusInd Bank	indus	2000	-	15	12
Credit	Standard	IndusInd Bank	indus	2000	-	15	18
Credit	Standard	IndusInd Bank	indus	2000	-	15	24
Credit	Standard	IndusInd Bank	indus	2000	-	15	36
Credit	Standard	Yes Bank	yes	1500	-	14	3
Credit	Standard	Yes Bank	yes	1500	-	14	6
Credit	Standard	Yes Bank	yes	1500	-	14	9
Credit	Standard	Yes Bank	yes	1500	-	15	12
Credit	Standard	Yes Bank	yes	1500	-	15	18
Credit	Standard	Yes Bank	yes	1500	-	15	24
Credit	Standard	HSBC	hsbc	2000	-	12.5	3
Credit	Standard	HSBC	hsbc	2000	-	12.5	6
Credit	Standard	HSBC	hsbc	2000	-	13.5	9
Credit	Standard	HSBC	hsbc	2000	-	13.5	12
Credit	Standard	HSBC	hsbc	2000	-	13.5	18
Credit	Standard	Citi Bank	citi	2500	-	13	3
Credit	Standard	Citi Bank	citi	2500	-	13	6
Credit	Standard	Citi Bank	citi	2500	-	15	9
Credit	Standard	Citi Bank	citi	2500	-	15	12
Credit	Standard	American Express	amex	5000	-	14	3
Credit	Standard	American Express	amex	5000	-	14	6
Credit	Standard	American Express	amex	5000	-	14	9
Credit	Standard	American Express	amex	5000	-	14	12
Credit	Standard	American Express	amex	5000	-	14	18
Credit	Standard	American Express	amex	5000	-	14	24

Debit Card EMI

Cashfree Payments supports 2 Debit Card EMI payment methods. These options are available to customers who are pre-approved by these issuing banks.

Here is a sample of the request that you need to send to /orders/sessions to process a seamless EMI payment. Read more here. Incase of a native OTP flow , Cashfree provides a submit OTP API which needs to be integrated on your checkout page.

Request

{
     "payment_method": {
          "emi": {
               "channel": "post",
               "card_number": "4280901212123121",
               "card_holder_name": "Tushar Gupta",
               "card_expiry_mm": "09",
               "card_expiry_yy": "23",
               "card_cvv": "900",
               "emi_tenure": 12,
               "card_bank_name": "hdfc",
               "phone": 8714268343
          }
     },
    "payment_session_id": "session__CvcEmNKDkmERQrxnx39ibhJ3Ii034pjc8ZVxf3qcgEXCWlgDDlHRgz2XYZCqpajDQSXMMtCusPgOIxYP2LZx0-05p39gC2Vgmq1RAj--gcn"
}

The following 2 card issuers are supported for card-based EMIs.

Please send the exact values in the card_bank_name parameter.

Bank Name	Native OTP
HDFC Bank	Yes
ICICI Bank	No

Debit Card EMI Plans

Card Type	Type of EMI	Bank	card_bank_name	Minimum Amount	Maximum Amount	Annual Interest Rate	Tenure
Debit	Standard	HDFC Bank	hdfc	3000	500000	16	3
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	6
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	9
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	12
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	18
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	24
Debit	Standard	ICICI Bank	icici	5000	500000	16	3
Debit	Standard	ICICI Bank	icici	5000	500000	16	6
Debit	Standard	ICICI Bank	icici	5000	500000	16	9
Debit	Standard	ICICI Bank	icici	5000	500000	16	12

Cardless EMI Plans

Your customers can pay using non-card-based EMI providers. A sample request is provided for reference.

The available providers include FlexMoney, which offers cardless EMI from HDFC Bank, ICICI Bank, IDFC Bank, TVS Credit, and CASHe.

Request

curl --request POST \
     --url https://api.cashfree.com/pg/orders/sessions \
     --header 'Accept: application/json' \
     --header 'Content-Type: application/json' \
     --data '
{
     "payment_method": {
          "cardless_emi": {
               "channel": "link",
               "provider": "flexmoney",
               "phone": "77891212345"
          }
     },
     "payment_session_id": "session_mdCizuqcgJWbIhdJ4rjON-vpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk"
}

Provider details

Provider parameter: flexmoney Provider name: FlexMoney (powers cardless EMI from HDFC Bank, ICICI Bank, IDFC Bank, CASHe, TVS Credit) Minimum amount: 500 onwards

Cardless EMI Plans

Card Type	Type of EMI	Bank	provider	Minimum Amount	Maximum Amount	Annual Interest Rate	Tenure
Cardless	Standard	HDFC Bank	hdfc	3000	500000	16	3
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	6
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	9
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	12
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	18
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	24
Cardless	Standard	ICICI Bank	icici	7000	500000	17	3
Cardless	Standard	ICICI Bank	icici	7000	500000	17	6
Cardless	Standard	ICICI Bank	icici	7000	500000	17	9
Cardless	Standard	ICICI Bank	icici	7000	500000	17	12
Cardless	Standard	IDFC Bank	idfc	5000	100000	24	3
Cardless	Standard	IDFC Bank	idfc	5000	100000	24	6
Cardless	Standard	IDFC Bank	idfc	5000	100000	24	9
Cardless	Standard	IDFC Bank	idfc	5000	100000	24	12
Cardless	Standard	CASHe	cashe	1000	100000	23.78	3
Cardless	Standard	CASHe	cashe	6000	100000	25.28	6
Cardless	Standard	CASHe	cashe	9000	100000	25.63	9
Cardless	Standard	CASHe	cashe	12000	100000	25.8	12

Paylater Providers

Your customers can also pay through the following Paylater providers:

• Lazypay
• Simpl

Provider Parameter	Name of the Provider
lazypay	Lazypay
simpl	Simpl

lazypay request

curl --request POST
    --url https://api.cashfree.com/pg/orders/sessions
    --header 'Accept: application/json'
    --header 'Content-Type: application/json'
    --data '{
    "payment_method": {
        "paylater":{
            "channel": "link",
            "provider": "lazypay",
            "phone": "999999999"
        }
    },
    "payment_session_id": "session_0_7R8dKzYmdby5xKkADpF8id7LgIZk3pv7faZ9-2v7s_cA34F2YKjVCSG4D8gOjzmlYFSgtn3q9txW3uKFC_IM5wE289t3137ITsZPqPynCB-ip8rCq6Y70_0Qwpayment"
}'

Simpl Integration

For any new customer on your platform, Simpl provides a redirection URL to authenticate the customer. For repeat customer, Cashfree provides a submit OTP API, which needs to be integrated on your checkout page for a seamless experience.

simpl request

curl --location 'https://api.cashfree.com/pg/orders/sessions' \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--data '{
    "payment_method": {
        "paylater":{
            "channel": "link",
            "provider": "simpl",
            "phone": "9999999999"
        }
    },
    "payment_session_id": "session_0_7R8dKzYmdby5xKkADpF8id7LgIZk3pv7faZ9-2v7s_cA34F2YKjVCSG4D8gOjzmlYFSgtn3q9txW3uKFC_IM5wE289t3137ITsZPqPynCB-ip8rCq6Y70_0Qwpayment"
}'

Bank Transfer

The Bank Transfer method lets customers pay using NEFT, RTGS, or IMPS to the Virtual Bank Account (VBA) provided by Cashfree Payments. This method is ideal for B2B, education, real estate, and government transactions.

Customers must complete payments within the Time-to-Live (TTL) period that you set for the transaction. If not specified, the TTL defaults to 5 days. When a customer initiates a bank transfer, Cashfree Payments validates the transaction against the order details, including the amount and account information (if TPV is enabled). If the details match, the payment is accepted, and you receive a notification to process the order. If the details don’t match, the payment is rejected, and any debited amount is automatically refunded to the customer.

Customer-Specific Bank Transfer

By default, each Bank Transfer transaction is assigned a unique VBA. For recurring payments, Customer-Specific Bank Transfer assigns the same VBA to a customer to simplify repeat payments. When a payment is received, Cashfree Payments matches it to an active order with a pending transaction of the same amount and marks it as successful.