{"id":2839,"date":"2025-05-19T18:42:32","date_gmt":"2025-05-19T10:42:32","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2839"},"modified":"2025-05-19T18:42:32","modified_gmt":"2025-05-19T10:42:32","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93api%e6%80%8e%e4%b9%88%e6%8e%a5%e5%85%a5%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/19\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93api%e6%80%8e%e4%b9%88%e6%8e%a5%e5%85%a5%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e6%8c%87%e5%8d%97\/","title":{"rendered":"How to access the Indian Payment Channel API? A Developer's Guide"},"content":{"rendered":"

\"How<\/p>\n

# India Payment Channel API Access Guide<\/p>\n

As an expert in Indian payment platforms, I will give you a detailed overview of how to access the APIs of the leading payment channels in India.<\/p>\n

Major Indian payment gateways<\/p>\n

1. Razorpay
\n2. PayU India
\n3. CCAvenue
\n4. Instamojo
\n5. Paytm Payment Gateway<\/p>\n

Common Access Process<\/p>\n

1. Register for a merchant account
\n- Visit the official website of your chosen payment gateway to register for a merchant account
\n- Submission of KYC documents (usually includes PAN card, GSTIN, bank account proof, etc.)
\n- Waiting for approval (usually takes 1-3 working days)<\/p>\n

2. API key acquisition
\n- Generate or view API key pairs in Dashboard.
\n - Key ID\/Public Key
\n - Key Secret\/Private Key<\/p>\n

3. API integration options
\nMost Indian payment gateways support.
\n“`
\na) Checkout page integration (simplest)
\nb) Webhooks real-time notification processing
\nc) SDK Integration (Node.js, PHP, Python, etc.)
\nd) Raw API calls (RESTful interface)
\n“`<\/p>\n

Razorpay sample code (Node.js)<\/p>\n

\"`javascript
\nconst Razorpay = require('razorpay');
\nconst instance = new Razorpay({
\n key_id: 'YOUR_KEY_ID',
\n key_secret: 'YOUR_KEY_SECRET'
\n});<\/p>\n

\/\/Creating an order
\nconst options = {
\n amount: req.body.price *100, \/\/amount in paisa (100 paisa = 1 rupee)
\n currency: \"INR\",
\n receipt: \"order_rcptid_11\"
\n};<\/p>\n

instance.orders.create(options).then((order)=>{
\n res.json(order);
\n}).catch((err)=>{
\n res.status(500).send(err);
\n});
\n“`<\/p>\n

PayU India Sample (PHP)<\/p>\n

\"`php
\n<\/p>\n

\n” \/>
\/\/ Razorpay UPI Intent Example
\r\nconst options = {
\r\n amount: 50000, \/\/ \u20b9500 (in paisa)
\r\n currency: \"INR\",
\r\n method: \"upi\",
\r\n customer: {
\r\n contact: \"+919876543210\",
\r\n email: \"customer@example.com\"
\r\n },
\r\n upi_link: true, \/\/Enable UPI Intent flow
\r\n};
\r\n
\r\ninstance.paymentLink.create(options);
\r\n<\/code><\/pre>\n

Description of key parameters<\/strong>::<\/p>\n