Payment Methods

We categorise payment methods into six 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.

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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:

We support the following card networks.

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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.

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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.

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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": "hdfc",
			"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 2 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": "hdfc",
               "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, ICICI Bank, IDFC Bank, TVS Credit, and CASHe.

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, 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

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.