CC EMI API INTEGRATION.

Overview

This document explains how to integrate the Pine Labs edge payment gateway in seamless mode.

Implementation Details

Below apis need to be integrated:

Accept Payment:

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

URL:

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

Sample Request

Json Payload

{
    "merchant_data": {
        "merchant_id": 3473,
        "merchant_access_code": "57e39383-b053-4db9-a708-26d8971886e7",
        "unique_merchant_txn_id": "testorder786",
        "merchant_return_url": "http://localhost:53132/ChargingResp.aspx"
    },
    "payment_data": {
        "amount_in_paisa": 1100000
    },
    "txn_data": {
        "navigation_mode": "7",
        "payment_mode": "4",
        "transaction_type": "1",
        "time_stamp": 157588000000
    }
}

BASE 64 encoded request:

{
    "request": "ewogICJtZXJjaGFudF9kYXRhIjogewogICAgIm1lcmNoYW50X2lkIjogMzQ3MywKICAgICJtZXJjaGFudF9hY2Nlc3NfY29kZSI6ICI1N2UzOTM4My1iMDUzLTRkYjktYTcwOC0yNmQ4OTcxODg2ZTciLAogICAgInVuaXF1ZV9tZXJjaGFudF90eG5faWQiOiAidGVzdG9yZGVyNzg2IiwKICAgICJtZXJjaGFudF9yZXR1cm5fdXJsIjogImh0dHA6Ly9sb2NhbGhvc3Q6NTMxMzIvQ2hhcmdpbmdSZXNwLmFzcHgigi-CiAgfSwKICAicGF5bWVudF9kYXRhIjogewogICAgImFtb3VudF9pbl9wYWlzYSI6IDExMDAwMDAKICB9LAogICJ0eG5fZGF0YSI6IHsKICAgICJuYXZpZ2F0aW9uX21vZGUiOiAiNyIsCiAgICAicGF5bWVudF9tb2RlIjogIjQiLAogICAgInRyYW5zYWN0aW9uX3R5cGUiOiAiMSIsCiAgICAidGltZV9zdGFtcCI6IDE1NzU4ODAwMDAwMAogIH0KfQo="
}

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

Redirect mode

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

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 CardlessEMI 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.

Seamless mode

{
    "token": "S01ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4%3d",
    "response_code": 1,
    "response_message": "SUCCESS"
}

In seamless mode api will not a redirect url and subsequent api needs to be called.

Failure response

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

Process Payment

Payment data against transaction will be passed in this call. This api will be called in seamless mode.

For Cardless transactions data against will be passed in this same call as well.

Token received in previous call needs to be part of this call.

http://hostname:port/api/v2/process/payment?token= ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4%3d "

Request

UAT https://uat.pinepg.in/api/v2/process/payment?token=BJ5Dj5o 5dh6jZaWCTAv%2fnwJj0h%2f3Eiq2HgY14%2fMOP7k%3d Production https://pinepg.in/api/v2/process/payment?token=BJ5Dj5o5dh 6jZaWCTAv%2fnwJj0h%2f3Eiq2HgY14%2fMOP7k%3d

Body Params

Parameter Name	Type	Description Mandatory/Optional/Conditional
card_data	Object	It contains card data.It is mandatory for cards and EMI transaction
emi_data	Object	It contains EMI data.Mandatory for EMI
netbanking_data	Object	It contains net banking codes.Mandatory for net banking transaction
wallet_data	Object	It contains wallet information.Mandatory for wallet transaction
additional_data	Object	Reserved for Future Use
cardless_data	Object	It contains cardless emi information.Mandatory for cardless emi transaction

card_data

Parameter Name	Type	Description Mandatory/Optional/Conditional
card_number	String	Card number
card_expiry_year	String	Card expiry year having format YYYY
card_expiry_month	String	Card expiry month having format MM
card_holder_name	String	Card holder name
cvv	String	Card CVV

additional_data

Parameter Name	Type	Description
mobile_number	string	10 digit mobile number

emi_data

Parameter Name	Type	Description
offer_scheme	Object	It contains information about offer applicable on each product.
tenure_id	Int	Tenure Id specified at pine labs end.
tenure_in_month	String	Tenure name specified at pine labs end.
monthly_installment	Long	Emi amount in paise.
bank_interest_rate	Long	Interest rate for which bank emi is calculated. Its value is percentage multiplied by 10000.
interest_pay_to_bank	Long	Interest pay to bank in paise.
total_offerred_discount_cashback_amount	Long	Total sum of discount applicable on cart. It is in paise.
loan_amount	Long	Amount in paise on which loan will be booked.
auth_amount	Long	Bank authorization amount in paise.

offer_scheme

Parameter Name	Type	Description
product_details	Array of objects	It contains information about product.
emi_scheme	Object	It contains information about bank EMI scheme.

product_details

Parameter Name	Type	Description
product_code	String	Product code.
product_amount	Long	Product amount in paise.
subvention_cashback_discount	Long	Subvention discount cashback amount in paise. Only applicable when subvention is present.
product_discount	Long	Product discount amount in paise. Only applicable if product discount is present.
subvention_cashback_discount_percentage	Long	Subvention discount cashback percentage. Its value is percentage multiplied by 10000.
product_discount_percentage	Long	Product discount cashback percentage. Its value is percentage multiplied by 10000.
subvention_type	Int	It tells offer type. 1-No cost EMI 2-Low cost EMI 3-Standard EMI.
additional_cashback	String	Additional cashback text.
bank_interest_rate	Long	Amount in paise.
bank_interest_rate_percentage	Long	Percentage multiplied by 10000.
schemes	Array of objects	It contains list of program applicable on product.

emi_scheme

Parameter Name	Type	Description
scheme_id	Long	It tells scheme id applicable on product.
program_type	Int	It tells scheme of which type. 105-Bank EMI 106-Brand EMI 108-Product Discount 112-Subvention discount.
is_scheme_valid	Bool	Is scheme is valid.

schemes

Parameter Name	Type	Description
scheme_id	Long	It tells scheme id applicable on product.
program_type	Int	It tells scheme of which type. 105-Bank EMI 106-Brand EMI 108-Product Discount 112-Subvention discount.
is_scheme_valid	Bool	Is scheme is valid.

cardless_data

Parameter Name	Type	Mandatory/Optional/Conditional
issuername	String	Issuer Name
tenure	Int	Loan Month tenure details
country_code	String	Customer Mobile Code
mobile_number	String	Customer Mobile Number

Sample request

EMI Sample Request

{
    "card_data": {
        "card_number": "4012007141112",
        "card_expiry_year": "2020",
        "card_expiry_month": "09",
        "card_holder_name": "harsh",
        "cvv": "123"
    },
    "emi_data": {
        "offer_scheme": {
            "product_details": [
                {
                    "schemes": [
                        {
                            "scheme_id": 1682,
                            "program_type": 112,
                            "is_scheme_valid": true
                        }
                    ],
                    "product_code": "SM-G975FCWG",
                    "product_amount": 550000,
                    "subvention_cashback_discount": 60209,
                    "product_discount": 0,
                    "subvention_cashback_discount_percentage": 0,
                    "product_discount_percentage": 0,
                    "subvention_type": 1
                },
                {
                    "schemes": [],
                    "product_code": "40",
                    "product_amount": 550000,
                    "subvention_cashback_discount": 0,
                    "product_discount": 0,
                    "subvention_cashback_discount_percentage": 0,
                    "product_discount_percentage": 0
                }
            ],
            "emi_scheme": {
                "scheme_id": 1683,
                "program_type": 105,
                "is_scheme_valid": true
            }
        },
        "tenure_id": "18",
        "tenure_in_month": "18",
        "monthly_installment": 64867,
        "bank_interest_rate": 150000,
        "interest_pay_to_bank": 127815,
        "total_offerred_discount_cashback_amount": 60209,
        "loan_amount": 1039791,
        "auth_amount": 1039791
    }
}

Card Sample Request

{
    "card_data": {
        "card_number": "4012001037141112",
        "card_expiry_year": "2019",
        "card_expiry_month": "12",
        "card_holder_name": "harsh",
        "cvv": "123"
    }
}

Sample Card Details for Testing:

Card Number: 4012001037141112

Expiry: 11/27

Name: TEST

CVV : 123

Cardless Emi

{
    "cardless_data": {
        "issuer": {
            "name": "AXIO/SBI"
        },
        "tenure": 12,
        "customer": {
            "phone": {
                "country_code": "091",
                "mobile_number": "9578036789"
            }
        }
    }
}

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
redirect_url	String	Customer should be redirected to below url.
api_url	String	Api url on which you need to make subsequent request
offer_scheme	Object	It contains information about offer applicable on each product

offer_scheme

Parameter Name	Type	Description
product_details	Array of objects	It contains information about product.
emi_scheme	Object	It contains information about bank EMI scheme.

product_details

Parameter Name	Type	Description
product_code	String	Product code.
product_amount	Long	Product amount in paise.
subvention_cashback_discount	Long	Subvention discount cashback amount in paise. Only applicable when subvention is present.
product_discount	Long	Product discount amount in paise. Only applicable if product discount is present.
subvention_cashback_discount_percentage	Long	Subvention discount cashback percentage. Its value is percentage multiplied by 10000.
product_discount_percentage	Long	Product discount cashback percentage. Its value is percentage multiplied by 10000.
subvention_type	Int	It tells offer type. 1-No cost EMI 2-Low cost EMI 3-Standard EMI.
additional_cashback	String	Additional cashback text.
bank_interest_rate	Long	Amount in paise.
bank_interest_rate_percentage	Long	Percentage multiplied by 10000.
schemes	Array of objects	It contains list of program applicable on product.

emi_scheme

Parameter Name	Type	Description
scheme_id	Long	It tells scheme id applicable on product.
program_type	Int	It tells scheme of which type. 105-Bank EMI 106-Brand EMI 108-Product Discount 112-Subvention discount.
is_scheme_valid	Bool	Is scheme is valid.

schemes

Parameter Name	Type	Description
scheme_id	Long	It tells scheme id applicable on product.
program_type	Int	It tells scheme of which type. 105-Bank EMI 106-Brand EMI 108-Product Discount 112-Subvention discount.
is_scheme_valid	Bool	Is scheme is valid.
reasons	Array of object	Description for failure of schemes

Reasons

Parameter Name	Type	Description
reason_code	int	It denotes the reason code
reason_message	String	It denotes the reason message again the code

Sample Response

Successful response for Cards, EMI, CardlessEMI for process payment api

{
    "response_code": 1,
    "response_message": "SUCCESS",
    "redirect_url": "http://hostname:port/pinepg/v2/process/payment?token=848RFsu%2bRnNcSsaZdzEgkeosvCc2o5lK TV4uKJF%2fcjE%3d"
}

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

CARDLESS INFORMATION DATA:

AXIO Data:

Test Mobile number for AXIO system:

9999412233,9999412234,9999412235,9999412236,9999412237,9999412238,9999412239, 9999412240,9999412241,9999412242

Test Data OTP = 123456

PAN =XYZPA1234A (For Ekyc)

DOB = 21-07-1980

Aadhaar = 9999 9999 1234

Aadhaar OTP = 123456

UPI ID - Any valid upi id like ‘nametest@ybl’

SBI Data:

username: -sbipre03 Password: -a1234567. Mobile no:-(need to map)

username: -sbipre04 Password: -a1234567. mobile no:-(need to map)

username: -sbitek03 Password: -a1234567. mobile no: -9578036789