India

Learn about the dLocal supported payment methods in India.

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 codecurrency codedocument namedocument formatdocument required?
ININRPAN10 characters (5 letters, 4 numbers, 1 letter)
Full PAN validation
Yes

Cards supported

payment_method_idBrand IDNamepayment_method_typeDetailsAllowed FlowsLogo
CARDVIVisaCARDCredit Card ​DIRECT REDIRECT
CARDVDVisa Debit ​CARDDebit Card ​DIRECT REDIRECT
CARDMCMastercardCARDCredit Card ​DIRECT REDIRECT
CARDMDMastercard Debit ​CARDDebit Card ​DIRECT REDIRECT
CARDAEAmerican ExpressCARDCredit Card ​DIRECT REDIRECT
CARDDCDinersCARDCredit Card ​DIRECT REDIRECT
CARDMSMaestro DebitCARDDebit Card ​DIRECT REDIRECT
CARDRURuPayCARDCredit
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_idNamepayment_method_typeDetailsAllowed FlowsLogo
PWPayTM WalletWALLETWalletREDIRECT
CWOther walletsWALLETWalletREDIRECT
NBNetBankingBANK_TRANSFERBank TransferREDIRECT
UIUPIBANK_TRANSFERBank TransferREDIRECT
UDUPI DirectBANK_TRANSFERBank TransferDIRECT
IRUPI (Recurring)BANK_TRANSFERBank TransferDIRECT 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 CreditVisa DebitMastercard CreditMastercard DebitAmerican ExpressDinersMaestro DebitRuPay
Minimum amount1 INR1 INR1 INR1 INR1 INR1 INR1 INR1 INR
RefundsYesYesYesYesYesYesYesYes
RecurringNoNoNoNoNoNoNoNo
Chargeback optionYesYesYesYesYesYesYesYes
Chargeback Dispute optionYesYesYesYesYesYesYesYes
DescriptorCan 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. amount1 INR
Max. expiration time supported5 days
Notification delayImmediate
RefundsYes
FlowREDIRECT

UX Flow

The screenshots illustrate a generic PayTM Wallet redirect flow.

The screenshots illustrate a generic PayTM Wallet redirect flow.

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringINR

Transaction currency in ISO 4217.
Yes
countryStringIN

Transaction country in ISO 3166.
Yes
payment_method_idStringPW

ID of the selected payment method.
Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external id of the capture.No
notification_urlStringNotifications 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. amount1 INR
Max. expiration time supported10 minutes
Notification delayImmediate
RefundsYes
FlowREDIRECT
Supported walletsPhonePe, 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.

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

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringINR

Transaction currency in ISO 4217.
Yes
countryStringIN

Transaction country in ISO 3166.
Yes
payment_method_idStringCW

ID of the selected payment method.
Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external id of the capture.No
notification_urlStringNotifications 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. amount1 INR
Max. expiration time supported5 days
Notification delayImmediate
RefundsYes
FlowREDIRECT

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.

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

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringINR

Transaction currency in ISO 4217.
Yes
countryStringIN

Transaction country in ISO 3166.
Yes
payment_method_idStringNB

ID of the selected payment method.
Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external id of the capture.No
notification_urlStringNotifications 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. amount1 INR
Max. expiration time supported5 days
Notification delayImmediate
RefundsYes
FlowREDIRECT

UX Flow

The screenshots illustrate a generic UPI direct flow.

The screenshots illustrate a generic UPI direct flow.

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringINR

Transaction currency in ISO 4217.
Yes
countryStringIN

Transaction country in ISO 3166.
Yes
payment_method_idStringUI

ID of the selected payment method.
Yes
payment_method_flowStringREDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external id of the capture.No
notification_urlStringNotifications 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

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

Capabilities

UPI Direct
Min. amount1 INR
Max. expiration time supported7 minutes
Notification delayImmediate
RefundsYes
FlowDIRECT

UX Flow

The screenshots illustrate a generic OVO redirect flow.

The screenshots illustrate a generic UPI Direct flow.

Request parameters

PropertyTypeDescriptionMandatory?
amountNumberAmount to be charged.Yes
currencyStringINR

Transaction currency in ISO 4217.
Yes
countryStringIN

Transaction country in ISO 3166.
Yes
payment_method_idStringUD

ID of the selected payment method.
Yes
payment_method_flowStringDIRECTYes
payer.nameStringName of the payer.Yes
payer.emailStringEmail of the payer.Yes
payer.documentNumberDocument of the payer.Yes
wallet.account_idStringUPI ID of the payer.Yes
order_idNumberID of the capture given by the merchant in their system. Think of it as an external id of the capture.No
notification_urlStringNotifications 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": "jane8901@ybl"
    }
}
{
    "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)

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 Recurring merchants can set up periodical payments.

Capabilities

UPI (Recurring)
Min. amount1 INR
Max. expiration time supported10 minutes
Notification delayImmediate
RefundsYes
FlowDIRECT
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.

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.