Redirect DC EMI Integration

1. Introduction

DEBIT CARD EMI :- Debit card EMI is a payment option that allows customers to pay for their purchases periodically. Instead of paying the full amount upfront, they can divide the total costs into small amounts. It is an option to convert payments made through debit cards into monthly instalments. Pinelabs helps the merchant to offer no-cost, low-cost EMI on their products by bringing issuing bank and OEMs on the same platform.

2. Overview

EMI offers configuration can be requested to the Pinelabs team as per the requirements. EMI Offers configured by pinelabs operation team through PGUI for given bank and brand.

3. Implementation Details

Follow these steps to offer bank and brand EMI offers to your customers

Accept Payment:

It initiates the transaction. Merchant must pass unique merchant txn reference number, amount, and other parameters.

URL:

1. UAT https://uat.pinepg.in/api/v2/accept/payment
2. Production https://pinepg.in/api/v2/accept/payment

Request Headers:

HEADERS:

Header name	Header value
Content-Type	application/json
X-VERIFY	SHA256of (Base64 request encoded payload)

Body Param

Parameter Name	Type	Description	Mandatory(M)/Optional
merchant_data	Object	It contains information about merchant.	M
payment_data	Object	It contains information about payment data.	M
txn_data	Object	It contains transaction related data	M
customer_data	Object	It contains information about customer data.Merchants who are on aggregator model must pass this data	O
udf_data	Object	It contains user defined fields. Merchant can pass it transaction specific data in these fields	O

merchant_data

Parameter Name	Type	Description	Mandatory(M)/Optional/Conditional
merchant_id	int	Merchant id provided by pinelabs	M
merchant_access_code	string	Merchant access code provided by pine labs	M
unique_merchant_txn_id	string	Unique transaction id maintained by merchant for each transaction	M
merchant_return_url	string	Merchant return url on which browser response will be sent.Mandatory in the case of EMI	M

payment_data

Parameter Name	Type	Description	Mandatory(M)/Optional/Conditional
amount_in_paisa	long	Transaction amount in paise	M

txn_data

Parameter Name	Type	Description	Mandatory(M)/Optional/Conditional
navigation_mode	Int	Navigation mode 2 for Redirect7 for Seamless	M
payment_mode	String	It will contain csv of valid payment mode Ids.In case of seamless mode only single payment mode to be specified.	M
transaction_type	Int	1 for ‘Purchase’	M
time_stamp	Long	Unix timestamp	O

customer_data

Parameter Name	Type	Description	Mandatory(M)/Optional/Conditional
email_id	string	Customer email id	O
first_name	string	Customer first name	O
last_name	string	Customer last name	O
customer_id	string	Customer id maintained at merchant end	O
mobile_no	string	10 digit mobile number	O
billing_data	Object	Customer billing address details	O
shipping_data	Object	Customer Shipping address details	O

udf_data

Parameter Name	Type	Description	Mandatory(M)/Optional/Conditional
udf_field_1	string	User defined Fields	O
udf_field_2	string	User defined Fields	O
udf_field_3	string	User defined Fields	O
udf_field_4	string	User defined Fields	O
udf_field_5	string	User defined Fields	O

billing_data

Parameter Name	Type	Description	Mandatory(M)/Optional/Conditional
address1	string	Address 1	O
address2	string	Address 2	O
address3	string	Address 3	O
pincode	string	Pin code	O
city	string	City name	O
state	string	State name	O
country	string	Country name	O

shipping_data

Parameter Name	Type	Description	Mandatory(M)/Optional/Conditional
first_name	String	First name entered in shipping address	O
last_name	String	Last name entered in shipping address	O
mobile_no	string	Mobile number entered in shipping address	O
address1	string	Address 1	O
address2	string	Address 2	O
address3	string	Address 3	O
pincode	string	Pin code	O
city	string	City name	O
state	string	State name	O
country	string	Country name	O

product_details

1. For single cart: details for one product can be passed. In case of multi cart, multiple products can be passed as an array of objects.
2. Sum of all products (product_amount) needs to be equal to the total cart value (amount that is passed in payment_data)
3. Ensure the product SKUs are configured at Pinelab’s end for Brand EMIs before utilizing in the APIs.

Parameter Name	Type	Description	Mandatory(M)/Optional/Conditional
product_code	string	Product Code/SKU	M
product_amount	string	Product Amount	M

Sample Request (Json Payload)

{
   "merchant_data": {
      "merchant_id": 106598,
      "merchant_access_code": "4a39a6d4-46b7-474d-929d-21bf0e9ed607",
      "merchant_return_url": "http://192.168.101.93:7050/ChargingResp.aspx",
      "unique_merchant_txn_id": "agdhjddvvdjcd12"
   },
   "payment_data": {
      "amount_in_paisa": 1000000
   },
   "txn_data": {
      "navigation_mode": 2,
      "payment_mode": "4,1,3,10,14,11",
      "transaction_type": 1
   },
   "product_details": [
      {
         "product_code": "testSKU1",
         "product_amount": 500000
      },
      {
         "product_code": "testSKU2",
         "product_amount": 500000
      }
   ]
}

BASE 64 encoded request:

{
   "request":
   "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"
}

Response

Params

Parameter Name	Type	Description
response_code	int	It notifies the result of api processing. Value 1 denotes success.
response_message	string	It denotes the message corresponding to above code
token	string	It is the token created for a transaction. You need to pass it in the subsequent calls.
redirect_url	String	Redirect url on which customer needs to be redirected. This parameter will be present only in redirect mode.

Sample Response for Redirect Mode

Success response

{
   "token": "ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4%3d", "response_code": 1,
   "response_message": "SUCCESS", "redirect_url":
   "http://hostname:port/api/v2/process/payment?token=ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4% 3d"
}

Failure response

{ "response_code": -1, "response_message": "FAILURE" }

In redirect mode api will return a url on which customer needs to be redirected. Pine Labs payment page will get open after redirection. On Cardless EMI the same redirect mode api will return a url on which customer needs to be redirected to the payment page you need to enter mobile number for the eligibility check to load the relevant Issuers.

Master codes

Payment Modes

PAYMENT_MODE_ID	PAYMENT_MODE_NAME
1	CREDIT/DEBIT CARD
4	EMI
14	DEBIT EMI
19	CARDLESS EMI

Transaction Status

TXN_STATUS_ID	TXN_STATUS_NAME	DESCRIPTION
-10	Cancelled	when the user cancels the transaction.
-8	Velocity Check Failed	Velocity check failed for EMI transactions
-7	Failure	Transaction has failed due to some reasons e.g. bank session time out, insufficient funds. Payer needs to re-initiate the transaction.
-6	Rejected	Transaction has been rejected.
1	Initiated	Pine Labs payment gateway has not received response from Payment Provider/Bank. For all such transactions, We will retry the transaction, post which the transaction status will be updated to ‘Captured‘ or‘AuthReceived’ or ‘Rejected’.
4	Captured	'Captured' call is successful. Funds will be transferred to merchant account.
6	Refunded	Refund of the transaction is successful.
7	Query Complete	Query of the transaction is successful captured
9	Partially Refunded	Transaction is partially refuned
10	Refund Initiated	When refund of aggregator transaction is initiated

User Flow for DC EMI

Following steps are involved in the redirect integration of the EMI transactions:

1). EMI Calculator API returns the offers which is being shown issuer wise in checkout screen.

2). For each tenure, EMI Details link is shown which will open popup containing all EMI details when clicked.

3). For each tenure, Key Fact Statement (KFS) link is shown which will open popup containing all KFS details when clicked.

4). After selecting tenure, when clicked on Proceed, it will ask to enter Card Number and Mobile number.

5). After entering card/mobile no. details, when clicked on Send OTP, a popup will open where 6 digit OTP needs to be entered.

6). After entering OTP when clicked on Continue, it will open a popup where all Customer details are shown followed by checkbox to accept Terms and Conditions to complete the transaction.

Browser Redirect Response

Key	Value	Description
merchant_id	Integer	In response you can see the merchant id which you have sent as one of the parameter in Pine Labs payment gateway API request parameters.
merchant_access_code	String	In response you can find the merchant access code which you have sent as one of the parameter.
unique_merchant_txn_id	String	In response you can find the merchant unique transaction Id which you have sent as one of the parameter.
pine_pg_txn_status	Integer	Transaction status
txn_completion_date_time	DateTime	The date-time of the transaction completion at Pine Labs payment gateway server.
amount_in_paisa	Long	It is the amount for which payment transaction is being done.
txn_response_code	Integer	Represent the response of the API request and response code is returned based on the transaction result.
txn_response_msg	String	Transaction response message
acquirer_name	String	Acquirer Bank
pine_pg_transaction_id	Long	Unique transaction id generated by Pine Labs
payment_mode	Integer	Payment mode chosen at landing page
dia_secret	String	Hash of response parameters. Please refer to HashGeneration document. Pine Labs payment gateway create the hash of the response parameters and sends this information in response in tag dia_secret Merchant should use this hash value returned in response to match with new secret generated at its side using other response Parameters. If these two secrets do not match then data is not authentic.
dia_secret_type	String	‘SHA256’ or ‘MD5’ and will be the same which is passed in dia_secret_type parameter of request
is_bank_emi_txn	Bool	Flag to indicate Bank EMI transaction
is_brand_emi_txn	Bool	Flag to indicate Brand EMI transaction
emi_tenure_month	Integer	Tenure month of EMI transaction
emi_principal_amount_in_paisa	Long	Principal EMI amount in Paise.
emi_amount_payable_each_month_in_paisa	Long	Monthly Installment
emi_interest_rate_percent	Integer	Interest rate charged by bank multiplied by 10000
emi_cashback_type	Integer	Its value will be 0, 1,2 and 3. Standard EMI- 0, Pre cash back-1,Post cash back-2,Instant Discount-3
emi_total_discount_cashabck_amount_in_paisa	Long	Total discount or cashback amount applicable in EMI transaction in paise
emi_total_discount_cashback_percent	Integer	Total discount or cashback percent applicable in EMI transaction multiplied by 10000
emi_merchant_discount_cashback_perecent	Integer	Merchant discount or cashback percent applicable in EMI tranasction multiplied by 10000
emi_merchant_discount_cashback_fixed_amount_in_paisa	Long	Merchant fixed discount or cashback amount applicable in EMI transaction in paise
emi_issuer_discount_cashback_perecent	Integer	Issuer discount or cashback percentapplicable in EMI transaction multiplied by 10000
emi_issuer_discount_cashback_fixed_amount_in_paisa	Long	Issuer fixed discount or cashback amount applicable in EMI transaction in paise
txn_additional_info	String	Base64 encoded string
merchant_return_url	String	Merchant Return URL
emi_processing_fee	Long	Processing fee amount in paise.
captured_amount_in_paisa	Long	Captured amount for a transaction
refund_amount_in_paisa	Long	Refund amount for a transaction.
parent_txn_status	Integer	Parent Transaction Status
parent_txn_response_code	Integer	Parent transaction response code
parent_txn_response_message	String	Parent transaction response message.
issuer_name	String	Issuing bank name
product_category	String	Product category for which EMI transaction has been placed.This parameter comes only in case of Brand EMI transaction
ppc_Manufacturer	String	OEM Name for which brand EMI transaction got placed.This parameter comes only in case of Brand EMI txn.

Sample Response

pine_pg_txn_status = 4 , merchant_id = 119815 , unique_merchant_txn_id = 106507603309182912 , merchant_access_code = 0b8453fc-d7a2-4770-91cf-e2e01e6f65dd , amount_in_paisa = 1350000 , txn_completion_date_time = 22/01/2024 12:01:09 PM , txn_response_code = 1 , txn_response_msg = SUCCESS , acquirer_name = HDFCDebitEMI , pine_pg_transaction_id = 7848943 , emi_tenure_month = 3 , emi_interest_rate_percent = 16.00 , emi_principal_amount_in_paisa = 1274000 , emi_amount_payable_each_month_in_paisa = 436040 , is_bank_emi_txn = 1 , captured_amount_in_paisa = 1274000 , refund_amount_in_paisa = 0 , emi_cashback_type = 0 , payment_mode = 14 , udf_field_1 = , udf_field_2 = , udf_field_3 = , udf_field_4 = , txn_additional_info = 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 , parent_txn_status = , parent_txn_response_code = , parent_txn_response_message = , dia_secret = 9DFB5E4E480A44C836E0191497A728519F1B8019B8629B6103C4CDE69E1350D0 , dia_secret_type = SHA256