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 APM 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.
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 | Logo |
|---|---|---|---|---|---|---|
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 |  |
To offer all the card options that may be available in your integration, send the
payment_method_idasCARD.
Alternative Payment Method supported
payment_method_id | Name | payment_method_type | Details | Allowed Flows | Logo |
|---|---|---|---|---|---|
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
Wallets
Wallets in India are really big. PhonePe, one of them, 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 | INRTransaction 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 | INRTransaction 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 | INRTransaction 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
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. amount | 1 INR |
| Max. expiration time supported | 7 minutes |
| Notification delay | Immediate |
| Refunds | Yes |
| Flow | DIRECT |
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 | INRTransaction 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": "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) | |
|---|---|
| Amount selection range | 1 to 15.000 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.
Updated about 1 month ago