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 (MPGS & Cybersource)
  • AMEX (Amex cards only)
  • HDFC (FSS, MPGS, Cybersource, IVR)
  • ICICI (IPG)

• Aggregators

  • ADYEN
  • 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
  • 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.

AXIS

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

• Generate SOAP key
  Refer- Generate CyberSource keys and tokens · Commerce Cloud (elasticpath.com)

• Generate Secret Key
  1. Login to the cybersource dashboard
  2. From the left hand side panel, click on Key Management under Payment Configurations.
  3. Click on "Generate Key" And then select "REST - Shared Secret"
  4. And click on "Generate Key"
  5. You would be able to see 2 keys generated. Key and Shared Secret.
  6. Copy or download the keys.

• 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

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.

• 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

• 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.

• 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.

• Get the below URL configured at Paytm for receiving the webhook callbacks-
  For production- https://api.juspay.in/v2/pay/webhooks/merchant_id/paytm,
  For sandbox- https://sandbox.juspay.in/v2/pay/webhooks/merchant_id/paytm.
  Also enable checksum. ( Replace the merchant_id with the actual username provided by Juspay)
• 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

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".

• 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.

• 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).

- Navigate to the settings option from the sidebar tab.
- Click on Payment Methods.

• 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.

• Under the Webhook URL, configure the below URL based on the environment.
  For production- https://api.juspay.in/v2/pay/webhooks/:merchant_id/razorpay
  For sandbox- https://sandbox.juspay.in/v2/pay/webhooks/:merchant_id/razorpay
  Replace the merchant_id by your Juspay merchant id.
• The secret key can be obtained from the Juspay dashboard under Razorpay gateway with the
  key "Webhook Secret Key".
• Under Active Events, select payment.failed and payment.captured.
• Click on "create webhook" to save the changes.

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

• 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:

• Go to developer section > Get MerchantId/SecretKey
• Go to https://www.zaakpay.com/generatemykey.do & click Generate New Key to obtain Public Key and Encryption Key

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

• URLs

  • Add Domain Name - https://api.juspay.in
  • Add Transaction API return URL - https://developer.juspay.in/pay/response-final

• 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

YES_BIZ

• Write to your Relationship Manager for creating a new MID and mention that you are using Juspay as the technology partner.
• Once account is created procure below credentials
  Merchant ID
  Channel ID
  Payee VPA
  MCC
  * Public Key

To configure Yes_biz gateway on Juspay

• Login to Juspay dashboard.
• Navigate to the Gateways tab on the left.
• Click on Create Gateway
• Select YEZ_BIZ from the list
• Enter the above mentioned credentials
• 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.

• Click on Proceed to Configuration
• Enable the required payment methods
• And click on Save Gateway

Once the above steps are successfully completed, click on the configured Yes_biz gateway and download "Juspay Public Key" from the dashboard.
The downloaded public key has to be shared with Yes_biz team for further configurations.

Webhook Configuration (Mandatory)
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/yes_biz
For Production - https://api.juspay.in/v2/pay/webhooks/merchant_id/yes_biz
Replace the merchant_id with your Juspay Merchant ID.