Gateways & Aggregators

Gateways supported

Before proceeding to integrate with Juspay, you will have to ensure that the backend PG/Aggregator that you use is ready for this. There are two kinds of payment service providers - bank gateways and aggregators. Banks like HDFC & ICICI provide PG accounts to make your site accept Visa/MasterCard issued cards. Aggregators work with Banks and provide you with the ability to accept Cards & NetBanking as well.

We support both bank gateways and aggregators. The supported list of payment service providers are:

  • Bank Gateways
    • AXIS (MIGS & Cybersource)
    • AMEX (Amex cards only)
    • HDFC (FSS, MIGS, Cybersource, IVR)
    • ICICI (IPG)
  • Aggregators
    • ATOM
    • BILLDESK
    • CASHFREE PAYMENTS
    • CCAVENUE
    • CHECKOUT
    • EBS_V3
    • EASEBUZZ
    • INGENICO (Tech Process)
    • NOON
    • PAYU
    • PAYFORT
    • PAYGLOCAL
    • PAYTM
    • PINELABS
    • RAZORPAY
    • SODEXO ( Sodexo cards only)
    • STRIPE
    • ZAAKPAY
  • Wallets
    • AIRTEL MONEY
    • CRED PAY
    • FREECHARGE
    • ITZ CASH
    • JIOMONEY
    • MOBIKWIK
    • PAYTM
  • Containers
    • AMAZONPAY (Redirection, Link & Pay)
    • GOOGLEPAY (In-app, OmniChannel)
    • PHONEPE (Redirection, QC Lite)
    • PAYPAL (Redirection, Link & Pay)
  • Pay Later Options
    • CAPITALFLOAT
    • EPAYLATER
    • HDFCPAYLATER
    • ICICIPAYLATER
    • LAZYPAY
    • LOANTAP
    • OLAPOSTPAID
    • SEZZLE
    • SIMPL
  • UPI
    • AXIS
    • CAMSPAY
    • CASHFREE Payments
    • HDFC
    • HSBC
    • ICICI
    • MSWIPE
    • PAYU
    • PAYTM
    • RAZORPAY
    • YES
  • EMI
    • BILLDESK
    • CCAVENUE
    • CASHFREE Payments
    • HDFC (EMI on Debit, Standard EMI)
    • ICICI
    • INGENICO (Standard EMI, Cardless EMI)
    • PAYU (No cost EMI, Standard EMI, Cardless EMI)
    • PINELABS (No cost EMI, Brand EMI, Standard EMI)
    • RAZORPAY (No cost EMI, Standard EMI)
    • SHOPSE
    • ZESTMONEY (Cardless EMI)
  • Reward Points (Pay by Rewards)
    • TWID
    • Loylty Rewardz
  • Gift cards
    • Qwikcilver

All of these service providers will provide you with an account where Card Details can only be entered on their page. Such an arrangement is to ensure that the Security of the Card data is not compromised. In order to be able to use our iFrame to accept card data, these service providers will have to approve of such an integration. This requires some amount of paperwork - mostly digital in nature. Different providers approach this differently and we have tried to compile the steps involved in getting your PG account upgraded.

MIGS

SSL PG account of AXIS must be converted to a VPC account. The following steps could help achieve this:

  • Write to your Relationship Manager asking to upgrade your account to VPC Enabled. Mention that you are using Juspay as the technology company to handle sensitive card data.
  • Copy us in the email and we will share the required documentation from our side
  • Axis will enable VPC for your account
  • Once you have the confirmation from Axis, configure the Axis PG credentials in Juspay Merchant Portal for your merchant account
  • Do a transaction with a real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded

Time taken: 1 - 3 weeks

CYBERSOURCE

  • Juspay supports Cybersource integration through Axis, HDFC, Yesbank.
  • Write to your relationship manager at axis, hdfc or yes bank and mention that you are using Juspay as the technology company to handle sensitive card data
  • Copy us in the email and we can share the required documentation (if any)
  • Once account is created at cybersource procure below credentials
    Merchant ID
    Secret Key Id
    Secret Key
    SOAP Key
    Cybersource Account Username
    Cybersource Account Password
    P12 Certificate
  • Below is required if you are using Visa one-click
    Cardinal API Key
    Cardinal Organization Unit ID
    Cardinal API ID
    Custom Target API Version
  • Set the below flags to true based on the requirement

Field

Description

Direct Authorization for un enrolled cards

Setting to true will Authorize unenrolled cards

Use Order ID as Reconciliation ID

Setting it to true will pass order id as reconciliation id. Else it would be the reference id generated by Juspay

Enable Visa checkout

For Enable Visa-one-click checkout

  • Once the configuration is completed you may test a transaction using the below card
    Card Number- 4000 0000 0000 0002
    Expiry- Any future date
    CVV- 123
  • You should be able to see the above transaction in your Cybersource dashboard too.

Note: Before testing any feature ensure that it's enabled for your account at PG.

Time taken: 1 - 3 weeks

HDFC FSS

HDFC Bank would give you SSL Gateway by default. In order to use Express Checkout with HDFC, the SSL account must be converted to a TranPortal account. This entails the following:

  • Write to your relationship manager at HDFC and mention that you would be processing the transactions through Juspay
  • Copy us in the email and we will share the required documentation from our side
  • Post closing the commercials and agreement HDFC PG would give you a test TranPortal account.
  • Configure the HDFC account details in JusPay Merchant Portal for your account. The following details are required.
    TranPortal Id
    TranPortal Password
  • There are about 14 test scenarios that have to be cleared.
  • Once they are cleared, HDFC will initiate security testing.
  • You need to expose your integration environment for the HDFC team to test.
  • If the above activity results in them identifying issues with your site, you will need to fix them to move ahead.
  • Once HDFC successfully completes the testing, they will provide you with production PG credentials.

Time taken: 4 - 6 weeks

Amex

Contact us

EBS

Note: EBS has upgraded their APIs. So, most new accounts will get their latest APIs and the gateway will be EBS_V3. Skip this and scroll down to check the steps for EBS_V3.

The PG account must have VPC/Direct option enabled to use Express Checkout

  • Write to your Relationship Manager asking to enable VPC/Direct mode for your account. Mention that you are using JusPay as the technology company to handle sensitive cardholder data.
  • Copy us in the email and we will share the required documentation from our side
  • EBS will now enable VPC/Direct mode for your account
  • Domain https://api.juspay.in, https://sandbox.juspay.in must be whitelisted at their end for your PG account.
  • Configure the EBS account details in JusPay Merchant Portal for your account. The following details are required.
    AccountID
    Hash
    Backend Gateway
  • Do a transaction with a real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded successfully
  • If you complete the above transaction, then this should appear correctly in the EBS dashboard too.

Time taken - 2 working days

PAYU

Prerequisites

  • Write to your Relationship Manager for creating a new PayU MID (if you already have PayU
    integration in place) and mention that you are using Juspay as the payments partner.
  • Ask the PayU team to enable S2S integration for the new MID.
  • Get the below URL configured at PayU for getting real time transaction status callbacks:
    Production- https://api.juspay.in/v2/pay/webhooks/:merchant_id/payu
    Sandbox- https://sandbox.juspay.in/v2/pay/webhooks/:merchant_id/payu
    Replace the merchant_id with the value provided by the Juspay team.
  • The below flags have to be enabled at PayU for the
    callbacks.
    a. Enable webhooks for failed and bounced transactions.
    b. Enable ws_callback to get status updates for delayed success transactions.
  • Get auto retry disabled at PayU for a seamless transaction journey for the user.

To Configure PayU credentials on Juspay

  • Login to Juspay dashboard and click on “Gateways” on the left tab. Click on “Create Gateway”
    and select PayU from the Gateways list. Configure the below credentials:
    PayU Merchant Key
    PayU Salt Key
    Enable the flag “Enable s2s integration”.
    Below details are required only if you are using VISA one Click.
    VIES Cybersource Merchant ID
    Username
    Password
    VIES Cybersource Soap Key
    VIES Cardinal API Key
    VIES Cardinal API Identifier
    VIES Cardinal Organization Unit ID
    VIES CYBERSOURCE Certificate
    Test mode should be set as true if you have PayU testing credentials. If you have PayU
    production credentials, then you can disable the flag.
    We recommend you to use the production credentials of the gateway to test all the payment
    methods.
    The PayU credentials can be obtained by contacting your PayU Account Manager or from the
    PayU dashboard through the below steps:
    • Login to PayU dashboard.
    • Navigate to ‘My Account’ tab on the top right, and select ‘System Settings’ from the list.
  • Set the below flags to true only if it's enabled for your account at PG, else it would lead to transaction failure.

Filed

Description

Enable Card Mandate

For using card mandate

Card Direct Otp Enabled

For using Direct Native OTP flow

GooglePay Card Payments Enabled

For using Goolepay Cards flow

Is Pre Authorisation Enabled?

For using Pre- Auth flow

VIES Enabled

For using VISA one click flow

Waiting Page Expiry In Seconds

The wait page timer for UPI collect transactions

  • Once the required configurations are completed, you can click on "Proceed to configuration"
    to enable the payment methods for PayU.

To configure Payment methods,

  • Once you click on Proceed to Configuration after configuring the credentials, you will be
    shown with different payment options supported for the gateway. Kindly make sure to enable
    only the payment methods which are enabled at PayU for your account.
    To get the list of payment methods enabled at PayU, you can reach out to your PayU Account
    Manager.

  • Once the payment methods are enabled, you can click on "Save Gateway" to save the
    configuration.

  • Once the gateway configuration is completed, you may test the transactions using the below
    test card and check if the configuration is working.
    Card Number: 5123 4567 8901 2346
    CVV: 123
    Expiry: May 2022

    If you have configured Production credentials OF PayU, then Test cards will not work. Instead,
    live cards must be used for testing.
    Note: Adding feature would require a PG enablement

CCAVENUE_V2

  • The PG account must have seamless option enabled for processing transactions through Juspayt

  • Write to your Relationship Manager asking to enable seamless mode for your account. Mention that you are using JusPay as the technology company to handle sensitive cardholder data.

  • Copy us in the email and we will share the required documentation from our side

  • Whitelist the URLs https://api.juspay.in and https://sandbox.juspay.in for your PG account.

  • Configure the CCAvenue account details in JusPay Merchant Portal for your account. The following details are required.
    Merchant Id
    Access Code
    Secret Key

  • Set the below flags to true based on the requirement

Fields

Description

Enable S2S Integration

For using the S2S integration

Enable for only Split Settlement

For using the split settlement feature

  • Do a transaction with a real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded successfully
  • If you complete the above transaction, then this should appear correctly in the CCAvenue dashboard too.

Time Taken: 1 week

Ingenico (Tech Process)

Prerequisites:

  • Write to your TPSL Account Manager to get a new MID created for your account.
  • Get seamless integration enabled for your account.

To configure TPSL gateway on Juspay

  • Login to Juspay dashboard.
  • Select "Gateways" on the left tab.
  • Click on "Create gateway".
  • Select TPSL from the gateways list.
  • Configure the below TPSL credentials.
    Merchant Code
    MCC
    Merchant Name
    Encryption Key
    Encryption IV
    Scheme Code
    Bank codes, if any, are shared by the TPSL team.
  • Enable the Test mode flag if you have testing credentials of TPSL. If you have the
    production credentials of the gateway, you can disable the flag. We recommend using the
    production credentials of the gateway to test all the payment methods.
  • Click on Proceed to Configuration.
  • Enable the payment methods for the gateway. Kindly make sure to enable only the payment
    methods enabled for your merchant account at the gateway's end. To get the list of payment
    methods enabled for your account at the gateway, reach out to your TPSL Account manager or
    support team.
  • Click on Save Gateway to save the configuration.

To get realtime callbacks on transaction status, Juspay webhooks has to be configured at TPSL.
Get the below URLs configured at TPSL based on the environment.
For Sandbox - https://sandbox.juspay.in/v2/pay/webhooks/merchant_id/tpsl
For Production - https://api.juspay.in/v2/pay/webhooks/merchant_id/tpsl
Replace the merchant_id with your Juspay Merchant ID.

Time Taken: 1 - 2 days

PAYTM_V2

Prerequisites:

  • Write to your PayTM Account Manager for creating a new Merchant ID (if you already have
    Paytm integration in place) and mention that you are using Juspay as the payments partner.
  • Get S2S enabled for your account for a seamless user experience.

To configure PayTM gateway on Juspay

  • Login to Juspay dashboard.
  • Navigate to the Gateways tab on the left.
  • Click on Create Gateway.
  • Select PayTM_V2 gateway from the Gateway dropdown list.
  • Configure the below credentials.
    Merchant id
    Channel id
    Client id
    Industry type id
    Merchant key
    If you will be using the PayTM wallet flow (All in one flow) then enable “sdkless intent
    enabled”.
    Test mode should be set as true if you have testing credentials of PayTM. If you have the
    production credentials, then you can disable the flag. We recommend you to use the
    production credentials of the gateway to test all the payment methods.
    To get the PayTM credentials, you can reach out to PayTM team or you may follow the below
    steps:
  • Login to PayTm dashboard
  • Navigate to ‘API Keys’ under Developer Settings
  • Test API Details can be used to configure account in Test Mode, while Production API
    Details should be used for production.
    Additionally you may enable the below flags depending on the use-case.

Field

Description

s2s enable

For using the S2S integration

Enable Card Mandate

To be enabled for using SI on Cards

Enable Emandate

To be enabled for using Wallet, UPI mandate

Sdkless Intent Enabled

To be enabled for using All-in-one SDK flow

Card Direct Otp Enabled

To be enabled for using direct native OTP flow

  • Once the credentials are configured, click on "Proceed to configuration".
  • Enable the payment methods that you want to use via PayTM. Make sure that you enable only
    those payment methods which are enabled at PayTM for your account.
    To get the list of payment methods enabled for your account at PayTM, you may reach out to
    your PayTM Account Manager.
  • Click on "Save Gateway" to save the configuration.

To get realtime transaction status callbacks from PayTM, Juspay webhooks has to be configured at PayTM. You may reach out to your PayTM Account Manager or PayTM support team to get the below details configured.
For production- https://api.juspay.in/v2/pay/webhooks/:merchant_id/paytm_v2
For sandbox- https://sandbox.juspay.in/v2/pay/webhooks/:merchant_id/paytm_v2.
Replace the merchant_id with your Juspay Merchant ID.
Once the webhook is configured, checksum has to be enabled for callback authentication.

Once the configuration is completed you may test the flow.
Test Wallet Credentials
Mobile Number - 7777777777
Password -Paytm12345
OTP - 489871 (Please note - OTP is fixed)

After every 5 minutes, the Wallet balance is topped up to Rs. 7,000

Test Card Credentails
Card Number- 4000 0000 0000 0002
Expiry- Any future date
CVV- 123

Time taken: 2 - 3 days

PAYTM

Use the gateway only if Direct Debit is to be used

  • Write to your Relationship Manager for creating a new MID (if you already have Paytm integration in-place) and mention that you are using Juspay as the technology company to handle sensitive card data
  • Once account is created procure below credentials
    Merchant id
    Channel id
    Client id
    Industry type id
    Merchant key
    Secret Key
    Client ID
  • Set the below flags to true if you would like to use the respective features. Ensure it's enabled for your account at PG end.

Field

Description

Seamless Transactions

For using Cards and Net Banking via Paytm(Deprecated)

Enable S2S Integration

To be enabled for using the S2S integration

Hash Customer ID

If enabled, then customer_id field will be hashed before being sent to PayTM.

Direct Debit

To be enabled for using the link and pay feature

Process AUTHORIZING status

Setting this to Yes will mark PENDING status sent by PG as AUTHORIZING allowing the ability to reconcile with PG later, else the transaction will be marked as failure(AUTHORIZATION_FAILED)

Enable Withdraw Flow(Direct Debit)

If you enable this, amount will be directly withdrawn from user wallet. Enable this only if your account supports this option. If this is disabled, the amount will be first blocked and then captured during direct debit.

Use New Endpoint

Setting this to Yes will route the transactions to Paytm's New Endpoint.

Should Add Amount Split for Wallet

If enabled then the food and non-food amount bifurcation passed in order create will be passed to Paytm

Should Use V2 Link And Pay

To be enabled for using the refresh token flow of Paytm

Sdkless Intent Enabled

To be enabled for using All-in-one SDK flow

Test Wallet Credentials
Mobile Number - 7777777777
Password -Paytm12345
OTP - 489871 (Please note - OTP is fixed)

After every 5 minutes, the Wallet balance is topped up to Rs. 7,000

Time Taken: 2 - 3 days

PAYGLOCAL

  • Write to your Relationship Manager for creating a new MID and mention that you are using Juspay as the technology company to handle sensitive card data.
  • Once account is created procure below credentials
    • Merchant Id
    • Private Key KId
    • Public Key KId
    • Private Key
    • Public Key

To configure Payglocal gateway on Juspay

  • Login to Juspay dashboard.
  • Navigate to the Gateways tab on the left.
  • Click on Create Gateway
  • Select Payglocal from the list
  • Enter the above mentioned credentials
  • Set the "Test Mode" to true if you are using the test credentials of Payglocal. If production credentials are used set the mode to false.
  • Click on Proceed to Configuration
  • Enable the required payment methods
  • Save Gateway

RAZORPAY

Prerequisites

  • Razorpay merchant account credentials should be available.
    • If you already have an existing Razorpay account, then the same can be used for Juspay
      integration.
    • If you do not have an existing Razorpay account, then you can signup at
      https://dashboard.razorpay.com/signup
      by submitting the relevant documentation to get the account created at Razorpay.
  • Ensure that Razorpay has enabled S2S (Server to Server) access for your Razorpay
    account. This is very important because Juspay has an S2S integration in place with
    Razorpay for a seamless checkout experience.
  • Before configuring Razorpay on Juspay, make sure you are logged in to your Razorpay
    dashboard.

To configure Razorpay credentials on Juspay,

  • Login to Juspay dashboard and navigate to the “Gateways” tab on the left.
  • Click on “Create gateway” and select Razorpay from the gateway dropdown list. You will be
    shown with option to Authorize.
  • Enable the "Test Mode" flag if you have testing credentials of Razorpay. If you have the
    production credentials of Razorpay, then you can disable the flag.
    NOTE: We recommend you to use the production credentials of the gateway to test all the
    payment methods.
  • Click on "Authorize".
434434
  • You will be redirected to the Razorpay dashboard for Authorization. Tick the Terms &
    Conditions checkbox and click on "Authorize". You will be redirected back to Juspay
    dashboard.
397397
  • Once you return back to Juspay dashboard, you will be shown with a screen to fill out the
    credentials. These credentials are not required to be filled.
  • Click on “Proceed to Configuration”. Enable the payment methods that you wish to use via
    Razorpay. Make sure you enable only the payment methods which are enabled at Razorpay
    end.
    To check the payment methods enabled at Razorpay for your account,
    • Login to your Razorpay dashboard.
    • Switch to live/test (option will be available on right top corner of Razorpay dashboard).
431431
- Navigate to the settings option from the sidebar tab.
- Click on Payment Methods.
491491
  • After configuring the payment methods on Juspay dashboard, click on "Save Gateway" to save
    the configuration.

To get real time callbacks on transaction status, Juspay webhooks has to be configured on Razorpay dashboard using the below steps:

  • Login to Razorpay dashboard.
  • Navigate to the settings option from the sidebar tab.
  • Go to webhooks and click Add new Webhook.
497497 496496

Under Razorpay gateway configuration on Juspay dashboard, the below fields can be enabled only if you have the usecase.

Field

Description

Card Direct Otp Enabled

For using Direct Native OTP

Waiting Page Expiry in Seconds

The wait page timer for UPI collect Transactions

Enable Card Mandate

For using Card Mandate

Enable Emandate

For using mandate via Netbanking, UPI

Is Pre Authorisation Enabled?

For using pre-auth flow

VIES Enabled

For using Visa One-Click Flow

  • You may test the transactions using the below test card. If you are using production
    credentials a real card should be used for testing.
    Card Name: Any name
    Card Number: 4012 0010 3714 1112
    CVV: 123
    Expiry: Dec 2022
  • You should be able to see the above transaction in your Razorpay dashboard too.
    Note: Before testing any feature ensure that it's enabled for your account at PG.

Time Taken: 1 - 2 days

FSS

  • Configure the following details in the Juspay Merchant portal:
    Tranportal Id
    Password
    Aggregator Id
  • For doing test transactions, set the Test Mode to Yes and use FSS provided test card details.
  • For doing real transactions, use the real credit/debit card and set the Test Mode to No in merchant settings for FSS.
  • Setup the priority for the FSS account.
  • Once these steps are completed, you are now ready to test the FSS integration.

Note: For FSS_ATM_PIN, Refunds are not supporting through Juspay Express Checkout. You need to do refunds directly through FSS.

EBS_V3

  • The PG account must have Direct Mode enabled to use Express Checkout.
  • Write to your Relationship Manager asking to upgrade your account to Direct Mode. Mention that you are using Juspay as the technology company to handle sensitive card data.
  • Copy us in the email and we will share the required documentation from our side.
  • EBS will enable Direct Mode for your account.
  • You also need to ask EBS to white list the following URL: https://developer.juspay.in
  • Once you have the confirmation from EBS, configure the EBS_V3 account details in Juspay Merchant Portal for your merchant account. The following are the required details:
    Account ID
    Secret Key
    Page ID
  • You need to create a page in the EBS portal and use that page's ID in the above field.
  • Configure hashing algorithm to SHA512 in EBS portal for above Page ID.
  • Set HTTP Method for Response Data to POST for above Page ID.
  • Ask EBS to enable AutoCapture for your account. If you don't do this, the amount will be refunded back to the customer after a few days.
  • For doing test transactions, set the Test Mode to Yes in merchant settings and use EBS provided test card details.
  • For doing real transactions, set the Test Mode to No in merchant settings and use the real credit/debit card details.
  • Setup the priority for the EBS_V3 account.
  • Once these steps are completed, you are now ready to test the EBS_V3 Direct Mode integration.

Time taken: 3 - 4 days

HDFC IVR

Contact us

ZAAKPAY

ZAAKPAY must be configured for the seamless account. The following steps could help achieve this:

  • Write to your RM to enable seamless for your account.
  • Configure the ZAAKPAY account details in Juspay Portal in your account. The following details are required.

Merchant Identifier
Key (Secret Key)
Public Key (Public key for RSA)
Encryption Key (Encryption Key Id)

📘

The above details can be obtained from the following:

  • Update the following in the zaakpay console. Go to Developer Section > Customize Your Zaakpay Integration

  • URLs

  • Transaction Limits

    • Set minimum and maximum amount and other limits as required
    • Remember to set them correctly otherwise ZaakPay will return ERROR
    • Update your company Logo
  • Do a transaction with real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded successfully

Time Taken: 1 - 2 weeks

Gocashfree

Prerequisites:

  • Get seamless pro integration enabled at Cashfree.
    Loop in the Juspay team SPOC in the conversation so that the Juspay team can share the
    required documents to Cashfree for the feature enablement.
  • Disable auto retry for the merchant account.
  • Enable callbacks for dropped and failed transactions.

To configure Cashfree gateway on Juspay

  • Login to Juspay dashboard.
  • Navigate to the Gateway tab on the left.
  • Click on Create Gateway.
  • Select Gocashfree from the gateways dropdown list.
  • Configure the below credentials
    APP ID
    Secret Key
    (To get these credentials, reach out to your Cashfree Account Manager)
    Enable the test mode flag if you have the testing credentials of Cashfree. if you have
    production credentials of Cashfree, then disable the flag. We recommend to use production
    credentials of the gateways for testing all payment methods.
  • Click on Proceed to configuration.
  • Enable the payment methods that you would like to use via Cashfree. Make sure that you
    enable only those payment methods which are enabled at Cashfree for your merchant account.
    To get the list of payment methods enabled at Cashfree, reach out to your Cashfree Account
    Manager.
  • Click on Save Gateway to save the configuration.

Time Taken: 1 - 2 days


Did this page help you?