Market specifications

Take a look of all the payment methods available.

Country reference Cards supported Alternative Payment Method supported

Cards

Find all the information about the card supported capabilities.

Brands Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

PayTM Wallet Other wallets NetBanking UPI UPI Direct UPI (Recurring)

Market specifications

Do you want to know more information about India's market? Go to the India’s economy and eCommerce market article.

Country reference

`country` code	`currency` code	`document` name	`document` format	`document` required?
`IN`	`INR`	PAN	10 characters (5 letters, 4 numbers, 1 letter) Full PAN validation	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`AE`	American Express	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`DC`	Diners	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MS`	Maestro Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`RU`	RuPay	`CARD`	Credit Debit Card	`DIRECT` `REDIRECT`

ℹ️
To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Details	Allowed Flows
`PW`	PayTM Wallet	`WALLET`	Wallet	`REDIRECT`
`CW`	Other wallets	`WALLET`	Wallet	`REDIRECT`
`NB`	NetBanking	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`
`UI`	UPI	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`
`UD`	UPI Direct	`BANK_TRANSFER`	Bank Transfer	`DIRECT`
`IR`	UPI (Recurring)	`BANK_TRANSFER`	Bank Transfer	`DIRECT` `REDIRECT`

Cards

Brands

Cards are highly relevant in India.
With Visa leading the race, Mastercard comes close second, but it’s the Local Schemes like RuPay which really are taking the market by storm.

Capabilities

	Visa Credit	Visa Debit	Mastercard Credit	Mastercard Debit	American Express	Diners	Maestro Debit	RuPay
Minimum amount	1 INR	1 INR	1 INR	1 INR	1 INR	1 INR	1 INR	1 INR
Refunds	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Recurring	No	No	No	No	No	No	No	No
Chargeback option	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Chargeback Dispute option	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Descriptor	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.

Alternative Payment Method

PayTM Wallet

Wallets in India are really big. PayTM and PhonePe are the biggest players in the country.

PayTM works on a semi-closed model and has a mobile market, where a customer can load money and make payments to merchants who have operational tie-ups with the company.

Capabilities

	PayTM Wallet
Min. amount	1 INR
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic PayTM Wallet redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`INR` Transaction currency in ISO 4217.	Yes
`country`	String	`IN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`PW` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 100,
    "currency": "INR",
    "country": "IN",
    "payment_method_id": "PW",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "EHFGA5967A",
        "address": {
            "city": "Goa",
            "street": "Maddo Vaddo",
            "number": "1207"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-9e3bfb4e-e228-43b5-6yyu-57618cd2d6ea",
    "amount": 100,
    "currency": "INR",
    "payment_method_id": "PW",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "IN",
    "created_date": "2023-01-30T20:59:27.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "notification_url": "http://conductor.sandbox.internal/robot-server/rest/generic/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-b61030aa-b7dd-rtyu-952c-572c4d99f7c5"
}

Other wallets

Wallets in India are really big. PayTM and PhonePe are the biggest players in the country.

PhonePe is very versatile, from UPI payments to recharges, money transfers to online bill payments, the users can do it all on their wallet.

Capabilities

	Other wallets
Min. amount	1 INR
Max. expiration time supported	10 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`
Supported wallets	PhonePe, MobiKwik, OLa Money, Airtel Money, Jio Money, Free Charge.

UX Flow

The screenshots illustrate a generic wallet redirect flow.
The specifics of the flow can change depending on the payment method selected to complete the transaction.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`INR` Transaction currency in ISO 4217.	Yes
`country`	String	`IN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`CW` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 100,
    "currency": "INR",
    "country": "IN",
    "payment_method_id": "CW",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "EHFGA5967A",
        "address": {
            "city": "Goa",
            "street": "Maddo Vaddo",
            "number": "1207"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-e98ed216-b10d-ty54-885f-eb7a751a3a29",
    "amount": 100,
    "currency": "INR",
    "payment_method_id": "CW",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "IN",
    "created_date": "2023-02-16T21:42:15.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-6f5d5f37-67y5-48f2-9e6f-fb911ca4ba39"
}

NetBanking

NetBanking gives access to all banking services via an online platform. However, to avail of this provision, the customer must register for Internet banking at their respective bank.

In order to access the services offered by Internet banking, the user must first enter their registered customer ID and password as a login procedure.

NetBanking can be accessed either from the bank’s website or mobile application.

Capabilities

	Netbanking
Min. amount	1 INR
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic Netbanking redirect flow.
The specifics of the flow can change depending on the bank selected to complete the transaction.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`INR` Transaction currency in ISO 4217.	Yes
`country`	String	`IN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`NB` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 100,
    "currency": "INR",
    "country": "IN",
    "payment_method_id": "NB",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "Avwpy0432g",
        "address": {
            "city": "Goa ",
            "street": "Maddo Vaddo",
            "number": "1207"
        }
    },
    "order_id": "345453483kqws0",
     "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.comm/success_page"
}

{
    "id": "R-4-e69f0179-aa31-463e-a721-d9ae2b8ef817",
    "amount": 100,
    "currency": "INR",
    "payment_method_id": "NB",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "IN",
    "created_date": "2023-03-09T21:16:03.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545348fgdag3kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/razorpay/M-5baba152-0172-49ca-b7d2-138ab014aaac"
}

UPI

Unified Payment Interface (UPI) is an instantaneous real-time online payment system that allows instant funds transfer between accounts. It supports more than 207 local banks and has more than 100 million monthly active users in India.

With UPI Redirect merchants can rely on dLocal to collect relevant data, such as UPI ID.

Capabilities

	UPI
Min. amount	1 INR
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic UPI direct flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`INR` Transaction currency in ISO 4217.	Yes
`country`	String	`IN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`UI` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 10,
    "currency": "INR",
    "country": "IN",
    "payment_method_id": "UI",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "EHFGA5967A",
        "address": {
            "city": "Goa",
            "street": "Maddo Vaddo",
            "number": "1207"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-279612ac-1db2-4c8f-yhd3-abf8a7aa07ea",
    "amount": 10,
    "currency": "INR",
    "payment_method_id": "UI",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "IN",
    "created_date": "2023-01-30T21:08:43.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-08707fd9-3797-678o-85b9-daabab2741f1"
}

UPI Direct

With UPI Direct merchants can directly collect necessary data at their own checkouts.

Capabilities

	UPI Direct
Min. amount	1 INR
Max. expiration time supported	7 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT`

UX Flow

The screenshots illustrate a generic OVO redirect flow. — The screenshots illustrate a generic UPI Direct flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`INR` Transaction currency in ISO 4217.	Yes
`country`	String	`IN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`UD` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`wallet.account_id`	String	UPI ID of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 100,
    "currency": "INR",
    "country": "IN",
    "payment_method_id": "UD",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "EHFGA5967A",
        "address": {
            "city": "Goa",
            "street": "Maddo Vaddo",
            "number": "1207"
        }
    },
    "order_id": "345453483kqws0",
    "wallet": {
        "account_id": "[email protected]"
    }
}

{
    "id": "F-4-4386e956-2e66-42e0-09rt-16a4dac7ffe5",
    "amount": 100,
    "currency": "INR",
    "payment_method_id": "UD",
    "payment_method_type": "WALLET",
    "payment_method_flow": "DIRECT",
    "country": "IN",
    "created_date": "2023-03-29T15:58:54.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0"
}

UPI (Recurring)

With UPI Recurring merchants can set up periodical payments.

Capabilities

	UPI (Recurring)
Min. amount	1 INR
Max. expiration time supported	10 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

UX Flow

The screenshots illustrate a generic redirect UPI Recurring payment flow. The details of the flow can change according the payment method selected.

How to process UPI (Recurring) payments?

Learn how to process recurring Payments in India with dLocal in our India Recurring Payment section.