Upon clicking the gateways tab, the user can select the payment service providers (aggregator, bank PG, wallets, containers or lending products) that need to be enabled
- The merchant should procure the credentials from the concerned Payment Service provider.
- Merchant to make sure the payment modes (a card, banks, UPI, etc.) are enabled by the service
- If a merchant wishes to enable direct debit for wallets or S2S flow then make sure those features are approved and enabled for the merchant’s account
Refer Annexure 1 for credentials that are given by various service providers
Configuration - Sample
Above is the configuration of Pay.
- Merchant has to enter the credentials: Salt, Merchant key
- If the merchant wants to enable EMI then toggle the Fetch EMI Plans to ‘True’
Once done, the merchant has to enable the payment instruments, banks
View and Edit
Merchant can view the configured gateways for the account and edit the gateway configuration (delete or enable/disable banks) based on business needs.
The merchant may want to force to route certain cards to a particular gateway (force routing). Merchant can
use this section to configure such force routings and that will ignore the routing logic. For more clarity
refer below section that covers types of routings and use cases.
ISIN (Issuer Identifier number or BIN number i.e. first 6 digits of the bank. Merchant can configure BINs that needs to be processed through the specific payment provider
Use Case: HDFC is offering a discount on few BINs and merchant has to use only HDFC bank PG to process it. Merchant can configure those BINs (ISIN) and select HDFC gateway and set preference score to 2.
Merchant can configure issuing bank and select the gateway for force routing by setting preference score to 2.
Use Case: HDFC is running a discount on HDFC cards and merchant has to process cards only through HDFC PG.
Card Brand Route:
If the merchant wants to force to certain card brands (Visa, MasterCard, Maestro, RuPay) through a
particular PG only then merchant to select the card brand and processing gateway and set preference score to 2.
Use Case: Diners card is processed only by HDFC PG. In this case, card-based routing will make sure Diners card always go through HDFC PG.
Note: Diners can be processed by aggregator who uses HDFC PG as well. This configuration can be done during PG configuration by enabling Diners (provided your aggregator is ready to enable it)
Select Priority Logics tab under to define routing logic as per business requirement
Routing logic Merchant can enable two types for routing logic.
a. Simple Routing
Merchant will define primary and secondary service providers. In simple words, if Primary is down
then the transaction will be processed by secondary. Example: If PayU is down then RazorPay will
b. Custom Logic
Depending on business requirements, the merchant can write routing logic
Few of the possibilities:
● Channel-Based: Website, Android, iOS
● Volume Based: Split volume between two or more service providers
● Bank-based: Send particular bank’s transaction to one service provider
● Card type based: Debit or credit card
● Card brand based: Visa, MasterCard, RuPay, etc.
Routing logic can be complex as per your business logic. Example: 30% of website transaction of ICICI
bank Visa Credit card to be proceeded by PayU as primary and BillDesk as secondary.
Merchant to click on Create New Logic and write the logic. Refer Annexure 2 for samples.
● Merchant can delete or edit/update the logic
● Once merchant submits the priority logic, Juspay support team will review the syntax and correctness of logic and then approve it.
● Logic will be effective as soon as it is approved by Juspay team
Note: Merchant to add comments in the logic so Juspay team can verify the logic written by the merchant does what it is expected to do.
Updated about 4 years ago