Learn about Payment methods

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

We categorize payment methods into five 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

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

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.

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.

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": "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.

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	Kotak Bank	kotak	1000	-	16	3
Credit	Standard	Kotak Bank	kotak	2500	-	16	6
Credit	Standard	Kotak Bank	kotak	2500	-	16	9
Credit	Standard	Kotak Bank	kotak	2500	-	16	12
Credit	Standard	Kotak Bank	kotak	2500	-	16	18
Credit	Standard	Kotak Bank	kotak	2500	-	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 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.

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

The following 3 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
Kotak 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	Kotak Bank	kotak	3000	200000	19	3
Debit	Standard	Kotak Bank	kotak	5000	200000	19	6
Debit	Standard	Kotak Bank	kotak	8000	200000	19	9
Debit	Standard	Kotak Bank	kotak	8000	200000	19	12
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, 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

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	Kotak Bank	kotak	3000	200000	19	3
Cardless	Standard	Kotak Bank	kotak	5000	200000	19	6
Cardless	Standard	Kotak Bank	kotak	5000	200000	19	9
Cardless	Standard	Kotak Bank	kotak	5000	200000	19	12
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

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"
}

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 --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"
}

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.