We categorize payment methods into five groups:

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.

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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 CVV for cards saved with Cashfree

Save Cards

Securely store and tokenize 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

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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 UPI sdk to your app to power in-app payments.

Recurring Payments

Support for UPI one-time mandates and recurring payments.

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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.

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Wallets

Cashfree supports a wide range of wallets to receive payments.

Wallet NameActivation
PayTMSELF-ACTIVATE
FreeChargeAUTOMATIC
PayPalSELF-ACTIVATE
MobiKwikAUTOMATIC
Ola MoneyAUTOMATIC
Airtel MoneyAUTOMATIC
Amazon PayAUTOMATIC
PhonePeAUTOMATIC

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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.

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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": "Kotak",
			"emi_tenure": 3
		}
	}
}

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

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Debit Card EMI

Cashfree Payments supports 3 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.

{
     "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": "kotak",
               "phone": 8714268343
          }
     },
    "payment_session_id": "session__CvcEmNKDkmERQrxnx39ibhJ3Ii034pjc8ZVxf3qcgEXCWlgDDlHRgz2XYZCqpajDQSXMMtCusPgOIxYP2LZx0-05p39gC2Vgmq1RAj--gcn"
}

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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, Kotak 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, Kotak Bank, ICICI Bank, IDFC Bank, CASHe, TVS Credit) Minimum amount: 500 onwards

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Paylater Providers

Your customers can also pay through the following Paylater providers:

  • Lazypay
  • Simpl
Provider ParameterName of the Provider
lazypayLazypay
simplSimpl
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": "77891212345"       
          }
     },
     "payment_session_id":"session_mdCizuqcgJWbIhdJ4rjON- vpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk"
}

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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.

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": "simpl",
               "phone": "8714268343"       
          }
     },
     "payment_session_id":"session_mdCizuqcgJWbIhdJ4rjON-vpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk"
}

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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.

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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.