Payments API Enums Reference | Cashfree Payments

An enum (enumeration) is a data type that restricts a field to a specific set of predefined string values. The Cashfree Payments API uses enums across requests and responses to ensure that only valid, expected values are accepted or returned for a given field. The following are some examples of enum fields in the Cashfree Payments API:

The order_status field returns one of ACTIVE, PAID, EXPIRED, or TERMINATED, never a free-form string.
The payment_status field returns one of SUCCESS, FAILED, PENDING, CANCELLED, and others.
Net banking and wallet codes are fixed numeric identifiers mapped to specific providers.

Because enum values are fixed and predictable, you can use them directly in conditional logic, error handling, and status checks without accounting for unexpected values.

Order states

Order states represent the current status of an order throughout its lifecycle, from creation to a terminal state such as paid or expired. Use these values to determine whether an order is still open for payment or has reached a final state.

Order states

An order moves through the following states based on payment outcomes and merchant actions.

Order State	Description
ACTIVE	Orders are marked as ACTIVE, when an order is created by the merchant through an API request to Cashfree Payments.
PAID	Orders are marked PAID when the payment is verified by Cashfree Payments and the payment is successful.
EXPIRED	Orders are marked as EXPIRED when the order has exceeded `order_expiry_time` specified by merchant to complete the order.
TERMINATED	This status is returned when you request order termination through the Order Termination API. Once terminated, customers can no longer pay for this order.
TERMINATION_REQUESTED	This status is returned after you call the Order Termination API to end an order. The termination request is acknowledged but still processing. Orders can only be terminated when all transactions have reached terminal states. If a pending transaction completes successfully while termination is processing, the status will change from TERMINATION_REQUESTED to SUCCESS.

Payment states

Payment states indicate the status of an individual payment attempt within an order. An order can have multiple payment attempts, and each attempt progresses through its own states before reaching a terminal outcome such as SUCCESS or FAILED.

Payment states

Each payment attempt within an order has its own lifecycle. Use these states to handle granular payment scenarios.

Payment State	Description	Remarks
SUCCESS	Transaction is successful and the amount is captured.	Terminal state. Once successful, the order moves to PAID.
FAILED	Transaction failed due to bank, customer, or system issues.	Terminal state. Customers can initiate a new attempt.
NOT_ATTEMPTED	Transaction is created but acknowledgement from the bank is awaited.	Initial state for a payment attempt.
PENDING	Request is sent to the bank and a response is awaited.	Non-terminal state. Do not fulfil orders in this state.
FLAGGED	Transaction is identified as high-risk and requires review.	Merchant must manually approve or reject the payment.
CANCELLED	Amount is reversed because a success response arrived after the time to live (TTL).	Automatic system reversal for late confirmations.
VOID	Transaction amount is not captured by explicit request.	Typically used for pre-authorised card payments or UPI mandates.
USER_DROPPED	Customer abandoned the payment flow before completion.	Includes closing the app or OTP page without attempting payment.

Net banking codes

Net banking codes identify the supported net banking providers. Pass the Bank Code value in the payment_method parameter of your API request to initiate a net banking transaction. The TPV Supported column indicates whether the bank supports Third Party Validation (TPV). When TPV is enabled, Cashfree Payments verifies that the customer completes the payment from the specific bank account provided during order creation.

Netbanking codes

The following table lists the supported banks and their corresponding codes for net banking integrations.

Bank name	Bank code	TPV supported
Airtel Payments Bank	3123	N
Andhra Pragathi Grameena Bank	3094	N
AU Small Finance Bank	3087	Y
Axis Bank	3003	Y
Axis Bank - Corporate	3071	N
Bandhan Bank - Retail Banking	3088	Y
Bank of Bahrain and Kuwait	3095	N
Bank of Baroda - Corporate	3060	Y
Bank of Baroda - Retail Banking	3005	Y
Bank of India	3006	Y
Bank of India - Corporate	3061	Y
Bank of Maharashtra	3007	N
Barclays - Corporate	3080	N
Canara Bank	3009	Y
Capital Small Finance Bank	3098	Y
Central Bank of India	3011	N
City Union Bank	3012	Y
City Union Bank - Corporate	3083	Y
Cosmos Bank	3097	Y
CSB Bank Limited	3010	Y
DBS Bank Ltd	3017	N
DCB Bank - Retail	3018	Y
Deutsche Bank	3016	Y
Dhanlakshmi Bank	3019	Y
Dhanlaxmi Bank - Corporate	3072	N
Equitas Small Finance Bank	3076	N
ESAF Small Finance Bank	3100	N
Federal Bank	3020	Y
Fincare Bank	3101	N
Gujarat State Co-operative Bank Limited	3091	N
HDFC Bank	3021	Y
HDFC Corporate	3084	N
HSBC Retail NetBanking	3092	Y
ICICI Bank	3022	Y
ICICI Bank - Corporate	3073	N
IDBI Bank	3023	Y
IDBI Bank - Corporate	3124	Y
IDFC FIRST Bank	3024	Y
Indian Bank	3026	Y
Indian Overseas Bank	3027	Y
Indian Overseas Bank - Corporate	3081	Y
IndusInd Bank	3028	Y
Jammu and Kashmir Bank	3029	Y
Jana Small Finance Bank	3102	Y
Janata Sahakari Bank Ltd Pune	3104	N
Kalyan Janata Sahakari Bank	3105	N
Karnataka Bank Ltd	3030	Y
Karnataka Gramin Bank	3113	N
Karnataka Vikas Grameena Bank	3107	N
Karur Vysya Bank	3031	Y
Kotak Mahindra Bank	3032	Y
Kotak Mahindra Bank - Corporate	3134	Y
Maharashtra Gramin Bank	3108	N
Mehsana urban Co-op Bank	3109	N
NKGSB Co-op Bank	3111	N
Nutan Nagarik Sahakari Bank Limited	3112	N
Punjab & Sind Bank	3037	Y
Punjab National Bank - Corporate	3065	N
Punjab National Bank - Retail Banking	3038	Y
RBL Bank	3039	Y
RBL Bank Limited - Corporate	3114	N
Saraswat Bank	3040	Y
SBM Bank India	3115	Y
Shamrao Vithal Bank - Corporate	3075	N
Shamrao Vitthal Co-operative Bank	3041	N
Shivalik Small Finance Bank	3086	Y
South Indian Bank	3042	Y
Standard Chartered Bank	3043	Y
State Bank Of India	3044	Y
State Bank of India - Corporate	3066	Y
Suryoday Small Finance Bank	3116	N
Tamil Nadu State Co-operative Bank	3051	N
Tamilnad Mercantile Bank Ltd	3052	Y
Thane Bharat Sahakari Bank Ltd	3118	N
The Kalupur Commercial Co-Operative Bank	3106	N
The Surat Peoples Co-operative Bank Limited	3090	Y
The Sutex Co-op Bank Ltd	3117	Y
TJSB Bank	3119	N
UCO Bank	3054	Y
UCO Bank Corporate	3122	N
Ujjivan Small Finance Bank	3126	Y
Union Bank of India	3055	Y
Union Bank of India - Corporate	3067	Y
Utkarsh Small Finance Bank	3089	Y
Varachha Co-operative Bank Limited	3120	N
Yes Bank - Corporate	3077	N
Yes Bank Ltd	3058	Y
Zoroastrian Co-Operative Bank Ltd	3121	N

Wallet codes

Wallet codes identify the supported digital wallet providers. Pass the Payment Code value in your API request to collect payments via a specific wallet.

Wallet codes

The following table lists the available wallet providers and their corresponding payment codes.

S. No	Wallet name	Payment code
1	FreeCharge	4001
2	MobiKwik	4002
3	Ola Money	4003
4	Airtel Money	4006
5	Amazon Pay	4008
6	PayTM	4007
7	PhonePe	4009
8	Test Wallet (Sandbox)	4010

EMI codes

Equated Monthly Instalment (EMI) codes specify the available instalment plans for supported banks and card types. Use these values to present EMI options to customers during checkout. The following attributes apply across all EMI plan tables:

card_bank_name: The bank identifier to pass in the API request parameter.
Tenure: The duration of the instalment plan, expressed in months.
Annual Interest Rate: The yearly interest rate applied to the transaction amount, expressed as a percentage.

Verify that the transaction amount falls within the Minimum Amount and Maximum Amount range specified for the selected plan and tenure before making the API request.

Credit card EMI
Debit card EMI
Cardless EMI
Pay later

Credit card EMI lets customers split a large payment into fixed monthly instalments charged to their credit card. This is the most widely supported EMI type and is available across major Indian banks.

Credit card EMI codes

The following table lists the supported banks, interest rates, and tenures available for credit card EMI.

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	16	3
Credit	Standard	Axis Bank	axis	2500	1000000	16	6
Credit	Standard	Axis Bank	axis	2500	1000000	16	9
Credit	Standard	Axis Bank	axis	2500	1000000	16	12
Credit	Standard	Axis Bank	axis	2500	1000000	16	18
Credit	Standard	Axis Bank	axis	2500	1000000	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	Kotak Bank	kotak	1000	1000000	16	3
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	6
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	9
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	12
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	18
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	24
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	3
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	6
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	9
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	12
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	18
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	24
Credit	Standard	Bank of Baroda	bob	2500	1000000	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	1000000	13	3
Credit	Standard	RBL Bank	rbl	1500	1000000	14	6
Credit	Standard	RBL Bank	rbl	1500	1000000	15	9
Credit	Standard	RBL Bank	rbl	1500	1000000	15	12
Credit	Standard	RBL Bank	rbl	1500	1000000	15	18
Credit	Standard	RBL Bank	rbl	1500	1000000	15	24
Credit	Standard	AU Small Bank	au	2000	1000000	16	3
Credit	Standard	AU Small Bank	au	2000	1000000	16	6
Credit	Standard	AU Small Bank	au	2000	1000000	16	9
Credit	Standard	AU Small Bank	au	2000	1000000	16	12
Credit	Standard	AU Small Bank	au	2000	1000000	16	18
Credit	Standard	AU Small Bank	au	2000	1000000	16	24
Credit	Standard	Yes Bank	yes	1500	1000000	16	3
Credit	Standard	Yes Bank	yes	1500	1000000	16	6
Credit	Standard	Yes Bank	yes	1500	1000000	16	9
Credit	Standard	Yes Bank	yes	1500	1000000	16	12
Credit	Standard	Yes Bank	yes	1500	1000000	16	18
Credit	Standard	Yes Bank	yes	1500	1000000	16	24
Credit	Standard	HSBC	hsbc	2000	1000000	12.5	3
Credit	Standard	HSBC	hsbc	2000	1000000	12.5	6
Credit	Standard	HSBC	hsbc	2000	1000000	13.5	9
Credit	Standard	HSBC	hsbc	2000	1000000	13.5	12
Credit	Standard	American Express	amex	5000	1000000	14	3
Credit	Standard	American Express	amex	5000	1000000	14	6
Credit	Standard	American Express	amex	5000	1000000	14	9
Credit	Standard	American Express	amex	5000	1000000	14	12
Credit	Standard	American Express	amex	5000	1000000	15	18
Credit	Standard	American Express	amex	5000	1000000	15	24

Debit card EMI allows customers to pay in monthly instalments without a credit card. The bank determines eligibility based on the customer’s account history.

Debit card EMI codes

The following bank and plans are currently supported for debit card EMI. The Native OTP column indicates whether the bank handles OTP verification directly.

Bank name	Native OTP
HDFC Bank	Yes

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

Cardless EMI allows customers to pay in instalments without a physical card. Financing is provided by partner banks or Non-Banking Financial Companies (NBFCs).

Cardless EMI codes

The following table lists the supported cardless EMI providers, interest rates, and available tenures.

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
Cardless	No Cost	ZestMoney	zestmoney	5000	150000	0	3
Cardless	Standard	ZestMoney	zestmoney	5000	150000	36	6
Cardless	Standard	ZestMoney	zestmoney	5000	150000	36	9
Cardless	Standard	ZestMoney	zestmoney	5000	150000	36	12

Pay later providers extend a short-term line of credit to customers, allowing them to complete a purchase immediately and pay the amount — in full or in instalments — at a later date.

Pay later codes

The following table lists the supported Pay later providers and the corresponding parameter values to use in API requests.

Provider parameter	Name of the provider
zestmoney	ZestMoney Paylater
lazypay	Lazypay
simpl	Simpl
mobikwik	MobiKwik

Payments API

v2026-01-01

Other Versions

Enums Reference

Order states

Payment states

Net banking codes

Wallet codes

EMI codes

Debit card EMI plans

​Order states

​Payment states

​Net banking codes

​Wallet codes

​EMI codes

​Debit card EMI plans

Order states

Payment states

Net banking codes

Wallet codes

EMI codes

Debit card EMI plans