--- title: Accept credit card EMI payments slug: affordability-suite/accept-emi-payments/credit-emi excerpt: >- Integrate credit card EMI payments using the Pine Labs Online API to let customers convert transactions into monthly installments on their credit card. sidebar_order: 2 hidden: false metadata: title: "Accept Credit Card EMI Payments — Full Integration | Pine Labs" description: >- Enable credit card EMI payments with Pine Labs API. Complete integration guide covering offer discovery, validation, order creation, and payment processing. keywords: "credit card EMI, EMI integration, credit installments, card EMI API, bank EMI offers, affordability payments" robots: index --- ## Credit EMI - Integration Steps Learn how to integrate the Pine Labs Online Affordability Suite to provide your merchants with a seamless shopping experience. Follow the below steps to integrate with Pine Labs Online affordability suite in your application. 1. [\[Prerequisite\] Generate Token](#generate-token) 2. [Offer Discovery](#offer-discovery) 3. [Offer Validation](#offer-validation) 4. [Create Order](#create-order) 5. [Create Payment](#create-payment) 6. [Handle Payment](#handle-payment) 1. [Store Payment Details on Your Server](#store-payment-details) 2. [Verify Payment Signature](#verify-signature) 7. [Get Order by Order ID](#get-order-by-order-id) > 📘 Note > > * Ensure you store your Client ID and Secret in your Backend securely. > * Integrate our APIs on your backend system. > * We strictly recommend not to call our APIs from the frontend. > * Failure to adhere to the above guidelines may result in legal implications. In such cases, you will be held responsible for any damage or loss arising from non-compliance. > 🚧 Watch Out > > * To Integrate with Pine Labs Online seamless checkout flow you must have a PCI compliance certificate.

1. [Prerequisite] Generate Token

Integrate our Generate Token API in your backend servers to generate the access token. Use the token generated to authenticate Pine Labs Online APIs. Below are the sample requests and response for the Generate Token API. ```curl cURL – UAT curl --location 'https://pluraluat.v2.pinepg.in/api/auth/v1/token' \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --data ' { "client_id": "a17ce30e-f88e-4f81-ada1-c3b4909ed232", "client_secret": "fgwei7egyhuggwp39w8rh", "grant_type": "client_credentials" } ' ``` ```curl cURL – PROD curl --location 'https://api.pluralpay.in/api/auth/v1/token' \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --data ' { "client_id": "a17ce30e-f88e-4f81-ada1-c3b4909ed232", "client_secret": "fgwei7egyhuggwp39w8rh", "grant_type": "client_credentials" } ' ``` ```json Sample Response { "access_token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c", "expires_in": 3600 } ``` Refer to our [Generate Token API](/api/authentication/generate-token) documentation to learn more.

2. Offer Discovery

Use this API to check the offers and calculate the EMI. Below are the sample requests and response for the Offer Discovery API. ### Bank EMI ```curl cURL - UAT curl --request POST \ --url https://pluraluat.v2.pinepg.in/api/affordability/v1/offer/discovery \ --compressed \ --header 'Accept-Encoding: gzip' \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "order_amount": { "currency": "INR", "value": 1200000 }, "issuer": { "bin": "60100000" }, "payment_option": { "card_details": { "card_number": "4000000000000000" } }, "customer_details": { "customer_id": "cust-v1-250709071350-aa-1M9thA" } } ' ``` ```curl cURL - PROD curl --request POST \ --url https://api.pluralpay.in/api/affordability/v1/offer/discovery \ --compressed \ --header 'Accept-Encoding: gzip' \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "order_amount": { "currency": "INR", "value": 1200000 }, "issuer": { "bin": "60100000" }, "payment_option": { "card_details": { "card_number": "4000000000000000" } }, "customer_details": { "customer_id": "cust-v1-250709071350-aa-1M9thA" } } ' ``` ```json Sample Response { "issuers": [ { "id": "23", "name": "INDUSIND CC", "issuer_type": "CC_BANK", "priority": 1, "tenures": [ { "tenure_id": "1", "name": "3 Months", "tenure_type": "MONTH", "tenure_value": 3, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1563", "offer_parameter_id": "63813" } ], "details": [], "discount": {}, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1200000 }, "net_payment_amount": { "currency": "INR", "value": 1232139 }, "monthly_emi_amount": { "currency": "INR", "value": 410713 }, "total_emi_amount": { "currency": "INR", "value": 1232139 }, "interest_amount": { "currency": "INR", "value": 32139 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" }, { "tenure_id": "2", "name": "6 Months", "tenure_type": "MONTH", "tenure_value": 6, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1563", "offer_parameter_id": "63813" } ], "details": [], "discount": {}, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1200000 }, "net_payment_amount": { "currency": "INR", "value": 1256616 }, "monthly_emi_amount": { "currency": "INR", "value": 209436 }, "total_emi_amount": { "currency": "INR", "value": 1256616 }, "interest_amount": { "currency": "INR", "value": 56616 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" }, { "tenure_id": "3", "name": "9 Months", "tenure_type": "MONTH", "tenure_value": 9, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1563", "offer_parameter_id": "63813" } ], "details": [], "discount": {}, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1200000 }, "net_payment_amount": { "currency": "INR", "value": 1281411 }, "monthly_emi_amount": { "currency": "INR", "value": 142379 }, "total_emi_amount": { "currency": "INR", "value": 1281411 }, "interest_amount": { "currency": "INR", "value": 81411 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" }, { "tenure_id": "4", "name": "12 Months", "tenure_type": "MONTH", "tenure_value": 12, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1563", "offer_parameter_id": "63813" } ], "details": [], "discount": {}, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1200000 }, "net_payment_amount": { "currency": "INR", "value": 1306524 }, "monthly_emi_amount": { "currency": "INR", "value": 108877 }, "total_emi_amount": { "currency": "INR", "value": 1306524 }, "interest_amount": { "currency": "INR", "value": 106524 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" }, { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1563", "offer_parameter_id": "63813" } ], "details": [], "discount": {}, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1200000 }, "net_payment_amount": { "currency": "INR", "value": 1357686 }, "monthly_emi_amount": { "currency": "INR", "value": 75427 }, "total_emi_amount": { "currency": "INR", "value": 1357686 }, "interest_amount": { "currency": "INR", "value": 157686 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" }, { "tenure_id": "6", "name": "24 Months", "tenure_type": "MONTH", "tenure_value": 24, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1563", "offer_parameter_id": "63813" } ], "details": [], "discount": {}, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1200000 }, "net_payment_amount": { "currency": "INR", "value": 1410120 }, "monthly_emi_amount": { "currency": "INR", "value": 58755 }, "total_emi_amount": { "currency": "INR", "value": 1410120 }, "interest_amount": { "currency": "INR", "value": 210120 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" } ], "issuer_data": {} } ] } ``` ### Brand EMI ```curl cURL - UAT curl --request POST \ --url https://pluraluat.v2.pinepg.in/api/affordability/v1/offer/discovery \ --compressed \ --header 'Accept-Encoding: gzip' \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "order_amount": { "currency": "INR", "value": 1200000 }, "product_details": [ { "product_code": "xyz", "product_amount": { "currency": "INR", "value": 1200000 }, "product_coupon_discount_amount": { "currency": "INR", "value": 1200000 } } ], "cart_coupon_discount_amount": { "currency": "INR", "value": 1200000 }, "issuer": { "bin": "60100000" }, "payment_option": { "card_details": { "card_number": "4000000000000000" } }, "customer_details": { "customer_id": "cust-v1-250709071350-aa-1M9thA" } } ' ``` ```curl cURL - PROD curl --request POST \ --url https://api.pluralpay.in/api/affordability/v1/offer/discovery \ --compressed \ --header 'Accept-Encoding: gzip' \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "order_amount": { "currency": "INR", "value": 1200000 }, "product_details": [ { "product_code": "xyz", "product_amount": { "currency": "INR", "value": 1200000 }, "product_coupon_discount_amount": { "currency": "INR", "value": 1200000 } } ], "cart_coupon_discount_amount": { "currency": "INR", "value": 1200000 }, "issuer": { "bin": "60100000" }, "payment_option": { "card_details": { "card_number": "4000000000000000" } }, "customer_details": { "customer_id": "cust-v1-250709071350-aa-1M9thA" } } ' ``` ```json Sample Response { "issuers": [ { "id": "25", "name": "PNB CC", "issuer_type": "CC_BANK", "priority": 1, "tenures": [ { "tenure_id": "1", "name": "3 Months", "tenure_type": "MONTH", "tenure_value": 3, "issuer_offer_parameters": [ { "program_type": "BRAND_EMI", "offer_id": "309", "offer_parameter_id": "20" } ], "details": [ { "product_code": "redmi_1", "brand_id": "3", "product_offer_parameters": [ { "program_type": "BRAND_OFFER", "offer_id": "309", "offer_parameter_id": "20" } ], "product_amount": { "currency": "INR", "value": 2000000 }, "subvention": { "subvention_type": "INSTANT", "percentage": 5, "amount": { "currency": "INR", "value": 85714 }, "breakup": { "brand": { "amount": { "currency": "INR", "value": 85714 } } } }, "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "currency": "INR", "value": 200000 }, "breakup": { "merchant": { "amount": { "currency": "INR", "value": 100000 } }, "brand": { "amount": { "currency": "INR", "value": 100000 } } } }, "bundle_id": "BUNDLE_003_OE3" } ], "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "currency": "INR", "value": 200000 }, "breakup": { "merchant": { "amount": { "currency": "INR", "value": 100000 } }, "brand": { "amount": { "currency": "INR", "value": 100000 } } } }, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1714286 }, "total_discount_amount": { "currency": "INR", "value": 200000 }, "net_payment_amount": { "currency": "INR", "value": 1760202 }, "monthly_emi_amount": { "currency": "INR", "value": 586734 }, "total_emi_amount": { "currency": "INR", "value": 1760202 }, "interest_amount": { "currency": "INR", "value": 45916 }, "total_subvention_amount": { "currency": "INR", "value": 85714 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "NO_COST" }, { "tenure_id": "12", "name": "36 Months", "tenure_type": "MONTH", "tenure_value": 36, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1562", "offer_parameter_id": "63812" } ], "details": [], "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 2000000 }, "net_payment_amount": { "currency": "INR", "value": 2531304 }, "monthly_emi_amount": { "currency": "INR", "value": 70314 }, "total_emi_amount": { "currency": "INR", "value": 2531304 }, "interest_amount": { "currency": "INR", "value": 531304 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" }, { "tenure_id": "2", "name": "6 Months", "tenure_type": "MONTH", "tenure_value": 6, "issuer_offer_parameters": [ { "program_type": "BRAND_EMI", "offer_id": "309", "offer_parameter_id": "20" } ], "details": [ { "product_code": "redmi_1", "brand_id": "3", "product_offer_parameters": [ { "program_type": "BRAND_OFFER", "offer_id": "309", "offer_parameter_id": "20" } ], "product_amount": { "currency": "INR", "value": 2000000 }, "subvention": { "subvention_type": "POST", "percentage": 5, "amount": { "currency": "INR", "value": 90000 }, "breakup": { "brand": { "amount": { "currency": "INR", "value": 90000 } } } }, "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "currency": "INR", "value": 200000 }, "breakup": { "merchant": { "amount": { "currency": "INR", "value": 100000 } }, "brand": { "amount": { "currency": "INR", "value": 100000 } } } }, "bundle_id": "BUNDLE_003_OE3" } ], "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "currency": "INR", "value": 200000 }, "breakup": { "merchant": { "amount": { "currency": "INR", "value": 100000 } }, "brand": { "amount": { "currency": "INR", "value": 100000 } } } }, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1800000 }, "total_discount_amount": { "currency": "INR", "value": 200000 }, "net_payment_amount": { "currency": "INR", "value": 1884924 }, "monthly_emi_amount": { "currency": "INR", "value": 314154 }, "total_emi_amount": { "currency": "INR", "value": 1884924 }, "interest_amount": { "currency": "INR", "value": 84924 }, "total_subvention_amount": { "currency": "INR", "value": 90000 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "NO_COST" }, { "tenure_id": "3", "name": "9 Months", "tenure_type": "MONTH", "tenure_value": 9, "issuer_offer_parameters": [ { "program_type": "BRAND_EMI", "offer_id": "309", "offer_parameter_id": "20" } ], "details": [ { "product_code": "redmi_1", "brand_id": "3", "product_offer_parameters": [ { "program_type": "BRAND_OFFER", "offer_id": "309", "offer_parameter_id": "20" } ], "product_amount": { "currency": "INR", "value": 2000000 }, "subvention": { "subvention_type": "POST", "percentage": 5, "amount": { "currency": "INR", "value": 90000 }, "breakup": { "brand": { "amount": { "currency": "INR", "value": 90000 } } } }, "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "currency": "INR", "value": 200000 }, "breakup": { "merchant": { "amount": { "currency": "INR", "value": 100000 } }, "brand": { "amount": { "currency": "INR", "value": 100000 } } } }, "bundle_id": "BUNDLE_003_OE3" } ], "discount": { "discount_type": "INSTANT", "percentage": 10, "amount": { "currency": "INR", "value": 200000 }, "breakup": { "merchant": { "amount": { "currency": "INR", "value": 100000 } }, "brand": { "amount": { "currency": "INR", "value": 100000 } } } }, "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 1800000 }, "total_discount_amount": { "currency": "INR", "value": 200000 }, "net_payment_amount": { "currency": "INR", "value": 1922112 }, "monthly_emi_amount": { "currency": "INR", "value": 213568 }, "total_emi_amount": { "currency": "INR", "value": 1922112 }, "interest_amount": { "currency": "INR", "value": 122112 }, "total_subvention_amount": { "currency": "INR", "value": 90000 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 29900 } }, "emi_type": "LOW_COST" }, { "tenure_id": "4", "name": "12 Months", "tenure_type": "MONTH", "tenure_value": 12, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1563", "offer_parameter_id": "63813" } ], "details": [], "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 2000000 }, "net_payment_amount": { "currency": "INR", "value": 2177532 }, "monthly_emi_amount": { "currency": "INR", "value": 181461 }, "total_emi_amount": { "currency": "INR", "value": 2177532 }, "interest_amount": { "currency": "INR", "value": 177532 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" }, { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1595", "offer_parameter_id": "63850" } ], "details": [], "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 2000000 }, "net_payment_amount": { "currency": "INR", "value": 2262816 }, "monthly_emi_amount": { "currency": "INR", "value": 125712 }, "total_emi_amount": { "currency": "INR", "value": 2262816 }, "interest_amount": { "currency": "INR", "value": 262816 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" }, { "tenure_id": "6", "name": "24 Months", "tenure_type": "MONTH", "tenure_value": 24, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "1563", "offer_parameter_id": "63813" } ], "details": [], "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 2000000 }, "net_payment_amount": { "currency": "INR", "value": 2350224 }, "monthly_emi_amount": { "currency": "INR", "value": 97926 }, "total_emi_amount": { "currency": "INR", "value": 2350224 }, "interest_amount": { "currency": "INR", "value": 350224 }, "interest_rate_percentage": 16, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "emi_type": "STANDARD" } ], "issuer_data": {} } ] } ``` ```json Sample Response for Split EMI { "issuers": [ { "id": "2", "name": "ICICI DC", "display_name": "ICICI BANK", "issuer_type": "DC_BANK", "priority": 22, "tenures": [ { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "6036", "offer_parameter_id": "v1-2-2-5-4-6036-287150" } ], "details": [ { "product_code": "SPLIT_APPLE-1", "product_display_name": "", "brand_name": "", "product_amount": { "currency": "INR", "value": 10000000 }, "product_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "interest_rate": 16, "cart_coupon_discount_product_share": { "currency": "INR", "value": 1000 } } ], "loan_amount": { "currency": "INR", "value": 9998000 }, "auth_amount": { "currency": "INR", "value": 9998000 }, "net_payment_amount": { "currency": "INR", "value": 11311902 }, "monthly_emi_amount": { "currency": "INR", "value": 628439 }, "total_emi_amount": { "currency": "INR", "value": 11311902 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "split_emi_display_name": "iPhone for Life", "split_emi_amount": { "currency": "INR", "value": 2358490 }, "split_emi_percentage": 25, "interest_rate_percentage": 16, "processing_fee_details": { "percentage": 0, "amount": { "currency": "INR", "value": 19900 } }, "processing_fee_amount": { "currency": "INR", "value": 19900 }, "emi_type": "STANDARD", "cart_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "total_coupon_discount": { "currency": "INR", "value": 2000 } } ], "issuer_data": { "is_consent_page_required": true, "consent_data": "
1. Consent for Disclosure of Information
I/We hereby furnish my consent to ICICI Bank to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when ICICI Bank considers such disclosure/ fetching as necessary, with/ from:
  1. Agents of ICICI Bank in any jurisdiction;
  2. Auditors, credit rating agencies/credit bureaus, statutory/regulatory authorities, governmental/administrative authorities, Central Know Your Customer (C-KYC) registry or SEBI Know Your Client registration agency, having jurisdiction over ICICI Bank;
  3. Service providers, professional advisors, consultants or such person with whom ICICI Bank contracts or proposes to contract;
(Collectively referred to as “Permitted Persons”)
For the purpose of:
  1. Provision of the facility, completion of on-boarding formalities and servicing; or
  2. Complying with KYC /customer due diligence requirements, anti-money laundering checks; or
  3. Compliance with applicable laws or any order (judicial or otherwise), statutory/regulatory/legal requirement, including disclosure to information utilities; or
  4. Credit review of facilities availed; or
  5. Authentication or verification; or
  6. Research or analysis, credit reporting & scoring, risk management, participation in any service-related communication; or
  7. Electronic clearing network and for use or processing of the said information/data; or
  8. Disclosing any default in payment; or
  9. Recovering the credit facilities including all interest and other charges.
2. Consent for Camera/Microphone Access
I/We hereby authorize ICICI Bank to get a one-time access to my/our device's camera and microphone for the purposes of on-boarding and KYC verification which is required to be conducted to enable ICICI Bank to provide the credit facilities sought by me/us.1
3. Consent to ICICI Bank's Privacy Commitment
I/We confirm having read and understood ICICI Bank's 'Privacy Commitment' available at https://www.icicibank.com/privacy. I/We acknowledge that the same shall be subject to changes by ICICI Bank from time to time at its sole discretion and I/we agree to keep myself/ourselves updated with the same.
4. I hereby expressly acknowledge that I have read and understood about the loan amount, tenure, applicable interest and other terms of the said loan. I hereby provide my consent in acceptance of the same and the KFS. With a check box below confirming the above content
1Applicable for NTB or non-KYC compliant customer. Since this is a one-time consent, access should be disabled once on-boarding/KYC is completed.
", "terms_and_conditions": "Sample TNC", "show_key_fact_statement": true, "auth_type": "PENNY_DROP", "penny_transaction_amount": { "currency": "INR", "value": 100 }, "is_tokenized_transaction_supported": false } } ] } ``` Refer to our [Offer Discovery API](/api/affordability-suite/create-offer-discovery) documentation to learn more. > 📘 Note: > > * The **Offer Discovery API** returns the list of available tenures for the selected product and bank. > * Select the tenure that best meets your customer’s requirements. > * Validate the choice by passing the selected tenure to the **Offer Validation API**.

3. Offer Validation

Use this API for validating applied offers. Below is a sample request and response for the Offer Validation API. ```curl cURL - UAT curl --request POST \ --url https://pluraluat.v2.pinepg.in/api/affordability/v1/offer/validate \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --data ' { "order_amount": { "value": 219900, "currency": "INR" }, "payment_amount": { "value": 219900, "currency": "INR" }, "payment_option": { "card_details": { "card_number": "4000000040001000", "registered_mobile_number": "9914152866" } }, "offer_data": { "offer_details": { "tenure": { "auth_amount": { "currency": "INR", "value": 219900 }, "loan_amount": { "currency": "INR", "value": 219900 }, "net_payment_amount": { "currency": "INR", "value": 258408 }, "monthly_emi_amount": { "currency": "INR", "value": 10767 }, "total_emi_amount": { "currency": "INR", "value": 258408 }, "interest_amount": { "currency": "INR", "value": 38508 }, "tenure_id": "6", "name": "24 Months", "tenure_type": "MONTH", "tenure_value": 24, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "3498", "offer_parameter_id": "199796" }, { "program_type": "MERCHANT_BANK_OFFER", "offer_id": "3678", "offer_parameter_id": "203706" } ], "details": [ { "product_code": "xyz", "product_display_name": "Redmi Note 13 5G", "brand_name": "Xiaomi", "product_amount": { "currency": "INR", "value": 219900 }, "interest_amount": { "currency": "INR", "value": 38508 }, "interest_rate": 16, "bundle_id": "BUNDLE_003_OE3" } ], "interest_rate_percentage": 16, "split_emi_display_name": "Apple Live", "emi_type": "STANDARD" }, "id": "6", "name": "HDFC CC", "display_name": "HDFC BANK", "issuer_type": "CC_BANK", "priority": 1 } }, "payment_method": "CREDIT_EMI" } ' ``` ```curl cURL - PROD curl --request POST \ --url https://api.pluralpay.in/api/affordability/v1/offer/validate \ --compressed \ --header 'Accept-Encoding: gzip' \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "order_amount": { "value": 219900, "currency": "INR" }, "payment_amount": { "value": 219900, "currency": "INR" }, "payment_option": { "card_details": { "card_number": "4000000040001000", "registered_mobile_number": "9914152866" } }, "offer_data": { "offer_details": { "tenure": { "auth_amount": { "currency": "INR", "value": 219900 }, "loan_amount": { "currency": "INR", "value": 219900 }, "net_payment_amount": { "currency": "INR", "value": 258408 }, "monthly_emi_amount": { "currency": "INR", "value": 10767 }, "total_emi_amount": { "currency": "INR", "value": 258408 }, "interest_amount": { "currency": "INR", "value": 38508 }, "tenure_id": "6", "name": "24 Months", "tenure_type": "MONTH", "tenure_value": 24, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "3498", "offer_parameter_id": "199796" }, { "program_type": "MERCHANT_BANK_OFFER", "offer_id": "3678", "offer_parameter_id": "203706" } ], "details": [ { "product_code": "xyz", "product_display_name": "Redmi Note 13 5G", "brand_name": "Xiaomi", "product_amount": { "currency": "INR", "value": 219900 }, "interest_amount": { "currency": "INR", "value": 38508 }, "interest_rate": 16, "bundle_id": "BUNDLE_003_OE3" } ], "interest_rate_percentage": 16, "split_emi_display_name": "Apple Live", "emi_type": "STANDARD" }, "id": "6", "name": "HDFC CC", "display_name": "HDFC BANK", "issuer_type": "CC_BANK", "priority": 1 } }, "payment_method": "CREDIT_EMI" } ' ``` ```curl cURL - UAT [Split EMI] curl --request POST \ --url https://pluraluat.v2.pinepg.in/api/affordability/v1/offer/validate \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --data ' { "payment_method": "CREDIT_EMI", "order_amount": { "value": 10000000, "currency": "INR" }, "payment_amount": { "value": 10000000, "currency": "INR" }, "payment_option": { "card_details": { "card_number": "4000000040001000", "registered_mobile_number": "9914152866" } }, "offer_data": { "offer_details": { "id": "2", "name": "ICICI DC", "display_name": "ICICI BANK", "issuer_type": "DC_BANK", "priority": 22, "tenure": { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "6036", "offer_parameter_id": "v1-2-2-5-4-6036-287150" } ], "details": [ { "product_code": "SPLIT_APPLE-1", "product_display_name": "", "brand_name": "", "product_amount": { "currency": "INR", "value": 10000000 }, "product_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "interest_rate": 16, "cart_coupon_discount_product_share": { "currency": "INR", "value": 1000 } } ], "loan_amount": { "currency": "INR", "value": 9998000 }, "auth_amount": { "currency": "INR", "value": 9998000 }, "net_payment_amount": { "currency": "INR", "value": 11311902 }, "monthly_emi_amount": { "currency": "INR", "value": 628439 }, "total_emi_amount": { "currency": "INR", "value": 11311902 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "split_emi_display_name": "iPhone for Life", "split_emi_amount": { "currency": "INR", "value": 2358490 }, "split_emi_percentage": 25, "interest_rate_percentage": 16, "processing_fee_details": { "percentage": 0, "amount": { "currency": "INR", "value": 19900 } }, "processing_fee_amount": { "currency": "INR", "value": 19900 }, "emi_type": "STANDARD", "cart_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "total_coupon_discount": { "currency": "INR", "value": 2000 } }, "issuer_data": { "is_consent_page_required": true, "consent_data": "
1. Consent for Disclosure of Information
I/We hereby furnish my consent to ICICI Bank to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when ICICI Bank considers such disclosure/ fetching as necessary, with/ from:
  1. Agents of ICICI Bank in any jurisdiction;
  2. Auditors, credit rating agencies/credit bureaus, statutory/regulatory authorities, governmental/administrative authorities, Central Know Your Customer (C-KYC) registry or SEBI Know Your Client registration agency, having jurisdiction over ICICI Bank;
  3. Service providers, professional advisors, consultants or such person with whom ICICI Bank contracts or proposes to contract;
(Collectively referred to as “Permitted Persons”)
For the purpose of:
  1. Provision of the facility, completion of on-boarding formalities and servicing; or
  2. Complying with KYC /customer due diligence requirements, anti-money laundering checks; or
  3. Compliance with applicable laws or any order (judicial or otherwise), statutory/regulatory/legal requirement, including disclosure to information utilities; or
  4. Credit review of facilities availed; or
  5. Authentication or verification; or
  6. Research or analysis, credit reporting & scoring, risk management, participation in any service-related communication; or
  7. Electronic clearing network and for use or processing of the said information/data; or
  8. Disclosing any default in payment; or
  9. Recovering the credit facilities including all interest and other charges.
2. Consent for Camera/Microphone Access
I/We hereby authorize ICICI Bank to get a one-time access to my/our device's camera and microphone for the purposes of on-boarding and KYC verification which is required to be conducted to enable ICICI Bank to provide the credit facilities sought by me/us.1
3. Consent to ICICI Bank's Privacy Commitment
I/We confirm having read and understood ICICI Bank's 'Privacy Commitment' available at https://www.icicibank.com/privacy. I/We acknowledge that the same shall be subject to changes by ICICI Bank from time to time at its sole discretion and I/we agree to keep myself/ourselves updated with the same.
4. I hereby expressly acknowledge that I have read and understood about the loan amount, tenure, applicable interest and other terms of the said loan. I hereby provide my consent in acceptance of the same and the KFS. With a check box below confirming the above content
1Applicable for NTB or non-KYC compliant customer. Since this is a one-time consent, access should be disabled once on-boarding/KYC is completed.
", "terms_and_conditions": "Sample TNC", "show_key_fact_statement": true, "auth_type": "PENNY_DROP", "penny_transaction_amount": { "currency": "INR", "value": 100 }, "is_tokenized_transaction_supported": false } } } } ' ``` ```curl cURL - PROD [Split EMI] curl --request POST \ --url https://api.pluralpay.in/api/affordability/v1/offer/validate \ --compressed \ --header 'Accept-Encoding: gzip' \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "payment_method": "CREDIT_EMI", "order_amount": { "value": 10000000, "currency": "INR" }, "payment_amount": { "value": 10000000, "currency": "INR" }, "payment_option": { "card_details": { "card_number": "4000000040001000", "registered_mobile_number": "9914152866" } }, "offer_data": { "offer_details": { "id": "2", "name": "ICICI DC", "display_name": "ICICI BANK", "issuer_type": "DC_BANK", "priority": 22, "tenure": { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "6036", "offer_parameter_id": "v1-2-2-5-4-6036-287150" } ], "details": [ { "product_code": "SPLIT_APPLE-1", "product_display_name": "", "brand_name": "", "product_amount": { "currency": "INR", "value": 10000000 }, "product_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "interest_rate": 16, "cart_coupon_discount_product_share": { "currency": "INR", "value": 1000 } } ], "loan_amount": { "currency": "INR", "value": 9998000 }, "auth_amount": { "currency": "INR", "value": 9998000 }, "net_payment_amount": { "currency": "INR", "value": 11311902 }, "monthly_emi_amount": { "currency": "INR", "value": 628439 }, "total_emi_amount": { "currency": "INR", "value": 11311902 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "split_emi_display_name": "iPhone for Life", "split_emi_amount": { "currency": "INR", "value": 2358490 }, "split_emi_percentage": 25, "interest_rate_percentage": 16, "processing_fee_details": { "percentage": 0, "amount": { "currency": "INR", "value": 19900 } }, "processing_fee_amount": { "currency": "INR", "value": 19900 }, "emi_type": "STANDARD", "cart_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "total_coupon_discount": { "currency": "INR", "value": 2000 } }, "issuer_data": { "is_consent_page_required": true, "consent_data": "
1. Consent for Disclosure of Information
I/We hereby furnish my consent to ICICI Bank to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when ICICI Bank considers such disclosure/ fetching as necessary, with/ from:
  1. Agents of ICICI Bank in any jurisdiction;
  2. Auditors, credit rating agencies/credit bureaus, statutory/regulatory authorities, governmental/administrative authorities, Central Know Your Customer (C-KYC) registry or SEBI Know Your Client registration agency, having jurisdiction over ICICI Bank;
  3. Service providers, professional advisors, consultants or such person with whom ICICI Bank contracts or proposes to contract;
(Collectively referred to as “Permitted Persons”)
For the purpose of:
  1. Provision of the facility, completion of on-boarding formalities and servicing; or
  2. Complying with KYC /customer due diligence requirements, anti-money laundering checks; or
  3. Compliance with applicable laws or any order (judicial or otherwise), statutory/regulatory/legal requirement, including disclosure to information utilities; or
  4. Credit review of facilities availed; or
  5. Authentication or verification; or
  6. Research or analysis, credit reporting & scoring, risk management, participation in any service-related communication; or
  7. Electronic clearing network and for use or processing of the said information/data; or
  8. Disclosing any default in payment; or
  9. Recovering the credit facilities including all interest and other charges.
2. Consent for Camera/Microphone Access
I/We hereby authorize ICICI Bank to get a one-time access to my/our device's camera and microphone for the purposes of on-boarding and KYC verification which is required to be conducted to enable ICICI Bank to provide the credit facilities sought by me/us.1
3. Consent to ICICI Bank's Privacy Commitment
I/We confirm having read and understood ICICI Bank's 'Privacy Commitment' available at https://www.icicibank.com/privacy. I/We acknowledge that the same shall be subject to changes by ICICI Bank from time to time at its sole discretion and I/we agree to keep myself/ourselves updated with the same.
4. I hereby expressly acknowledge that I have read and understood about the loan amount, tenure, applicable interest and other terms of the said loan. I hereby provide my consent in acceptance of the same and the KFS. With a check box below confirming the above content
1Applicable for NTB or non-KYC compliant customer. Since this is a one-time consent, access should be disabled once on-boarding/KYC is completed.
", "terms_and_conditions": "Sample TNC", "show_key_fact_statement": true, "auth_type": "PENNY_DROP", "penny_transaction_amount": { "currency": "INR", "value": 100 }, "is_tokenized_transaction_supported": false } } } } ' ``` ```json Sample Response { "code": "ELIGIBLE", "message": "Offer is Eligible" } ``` Refer to our [Offer Validation API](/api/affordability-suite/offer-validation-create) documentation to learn more.

4. Create Order

To create an Order, use our Create Order API, for authentication use the generated access token in the headers of the API request. Below are the sample requests and response for a Create Order API. ```curl cURL - UAT curl --request POST \ --url https://pluraluat.v2.pinepg.in/api/pay/v1/orders \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "merchant_order_reference":112345, "order_amount":{ "value":1100, "currency":"INR" }, "pre_auth":false, "callback_url":"https://sample-callback-url", "failure_callback_url": "https://sample-failure-callback-url", "allowed_payment_methods":[ "CARD", "UPI", "NETBANKING", "POINTS", "WALLET", "CREDIT_EMI" ], "notes":"order1", "purchase_details":{ "customer":{ "email_id":"kevin.bob@example.com", "first_name":"Kevin", "last_name":"Bob", "customer_id":"123456", "mobile_number":"9876543210", "country_code": "91", "billing_address": { "address1": "10 Downing Street Westminster London", "address2": "Oxford Street Westminster London", "address3": "Baker Street Westminster London", "pincode": "51524036", "city": "Westminster", "state": "Westminster", "country": "London",, "full_name": "Kevin Bob", "adddress_type": "Home", "address_category": "billing" }, "shipping_address": { "address1": "10 Downing Street Westminster London", "address2": "Oxford Street Westminster London", "address3": "Baker Street Westminster London", "pincode": "51524036", "city": "Westminster", "state": "Westminster", "country": "London",, "full_name": "Kevin Bob", "adddress_type": "Home", "address_category": "shipping" } }, "merchant_metadata":{ "key1":"DD", "key2":"XOF" } }, "cart_coupon_discount_amount":{ "value":100, "currency":"INR" } } ' ``` ```curl cURL - PROD curl --request POST \ --url https://api.pluralpay.in/api/pay/v1/orders \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "merchant_order_reference":112345, "order_amount":{ "value":1100, "currency":"INR" }, "pre_auth":false, "callback_url":"https://sample-callback-url", "failure_callback_url": "https://sample-failure-callback-url", "allowed_payment_methods":[ "CARD", "UPI", "NETBANKING", "POINTS", "WALLET", "CREDIT_EMI" ], "notes":"order1", "purchase_details":{ "customer":{ "email_id":"kevin.bob@example.com", "first_name":"Kevin", "last_name":"Bob", "customer_id":"123456", "mobile_number":"9876543210", "country_code": "91", "billing_address": { "address1": "10 Downing Street Westminster London", "address2": "Oxford Street Westminster London", "address3": "Baker Street Westminster London", "pincode": "51524036", "city": "Westminster", "state": "Westminster", "country": "London",, "full_name": "Kevin Bob", "adddress_type": "Home", "address_category": "billing" }, "shipping_address": { "address1": "10 Downing Street Westminster London", "address2": "Oxford Street Westminster London", "address3": "Baker Street Westminster London", "pincode": "51524036", "city": "Westminster", "state": "Westminster", "country": "London",, "full_name": "Kevin Bob", "adddress_type": "Home", "address_category": "shipping" } }, "merchant_metadata":{ "key1":"DD", "key2":"XOF" } }, "cart_coupon_discount_amount":{ "value":100, "currency":"INR" } } ' ``` ```json Sample Response { "data":{ "order_id":"v1-4405071524-aa-qlAtAf", "merchant_order_reference":"112345", "type":"CHARGE", "status":"CREATED", "merchant_id":"104359", "order_amount":{ "value":1100, "currency":"INR" }, "pre_auth":false, "allowed_payment_methods":[ "CARD", "UPI", "NETBANKING", "POINTS", "WALLET", "CREDIT_EMI" ], "notes":"order1", "callback_url":"https://sample-callback-url", "failure_callback_url": "https://sample-failure-callback-url", "purchase_details":{ "customer":{ "email_id":"kevin.bob@example.com", "first_name":"Kevin", "last_name":"Bob", "customer_id":"123456", "mobile_number":"9876543210", "country_code": "91", "billing_address": { "address1": "10 Downing Street Westminster London", "address2": "Oxford Street Westminster London", "address3": "Baker Street Westminster London", "pincode": "51524036", "city": "Westminster", "state": "Westminster", "country": "London",, "full_name": "Kevin Bob", "adddress_type": "Home", "address_category": "billing" }, "shipping_address": { "address1": "10 Downing Street Westminster London", "address2": "Oxford Street Westminster London", "address3": "Baker Street Westminster London", "pincode": "51524036", "city": "Westminster", "state": "Westminster", "country": "London",, "full_name": "Kevin Bob", "adddress_type": "Home", "address_category": "shipping" } }, "merchant_metadata":{ "key1":"DD", "key2":"XOF" } }, "payments":[ ], "created_at":"2024-07-15T05:44:51.174Z", "updated_at":"2024-07-15T05:44:51.174Z", "cart_coupon_discount_amount":{ "value":100, "currency":"INR" } } } ``` Refer to our [Create Order API](/api/orders/create-order) documentation to learn more. > 📘 Note: > > When the pre-authorization is set to true you can capture the payment after successful delivery or service.

5. Create Payment

To create a payment, use our Create Payment API, use the `order_id` returned in the response of a Create Order API to link the payment against an order. Below are the sample requests and sample response for Create Payment API. ### Credit EMI ```curl cURL - UAT curl --request POST \ --url https://pluraluat.v2.pinepg.in/api/pay/v1/orders/{order_id}/payments \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "payments": [ { "merchant_payment_reference": "6dc93180-91d4-448e-b2a3-c859d2f1cac9", "payment_method": "CREDIT_EMI", "payment_amount": { "value": 219900, "currency": "INR" }, "payment_option": { "card_details": { "name": "Kevin Bob", "card_number": "4000000000000000", "cvv": "065", "expiry_month": "12", "expiry_year": "2025", "registered_mobile_number": "9876543210" } }, "offer_data": { "offer_details": { "id": "6", "name": "HDFC CC", "display_name": "HDFC BANK", "issuer_type": "CC_BANK", "priority": 1, "tenure": { "tenure_id": "6", "name": "24 Months", "tenure_type": "MONTH", "tenure_value": 24, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "3498", "offer_parameter_id": "199796" }, { "program_type": "MERCHANT_BANK_OFFER", "offer_id": "3678", "offer_parameter_id": "203706" } ], "details": [ { "product_code": "xyz", "product_display_name": "Redmi Note 13 5G", "brand_name": "Xiaomi", "product_amount": { "currency": "INR", "value": 219900 }, "interest_amount": { "currency": "INR", "value": 38508 }, "interest_rate": 16, "bundle_id": "BUNDLE_003_OE3" } ], "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 219900 }, "net_payment_amount": { "currency": "INR", "value": 258408 }, "monthly_emi_amount": { "currency": "INR", "value": 10767 }, "total_emi_amount": { "currency": "INR", "value": 258408 }, "interest_amount": { "currency": "INR", "value": 38508 }, "interest_rate_percentage": 16, "emi_type": "STANDARD" } } } } ] } ' ``` ```curl cURL - PROD curl --request POST \ --url https://api.pluralpay.in/api/pay/v1/orders/{order_id}/payments \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "payments": [ { "merchant_payment_reference": "6dc93180-91d4-448e-b2a3-c859d2f1cac9", "payment_method": "CREDIT_EMI", "payment_amount": { "value": 219900, "currency": "INR" }, "payment_option": { "card_details": { "name": "Kevin Bob", "card_number": "4000000000000000", "cvv": "065", "expiry_month": "12", "expiry_year": "2025", "registered_mobile_number": "9876543210" } }, "offer_data": { "offer_details": { "id": "6", "name": "HDFC CC", "display_name": "HDFC BANK", "issuer_type": "CC_BANK", "priority": 1, "tenure": { "tenure_id": "6", "name": "24 Months", "tenure_type": "MONTH", "tenure_value": 24, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "3498", "offer_parameter_id": "199796" }, { "program_type": "MERCHANT_BANK_OFFER", "offer_id": "3678", "offer_parameter_id": "203706" } ], "details": [ { "product_code": "xyz", "product_display_name": "Redmi Note 13 5G", "brand_name": "Xiaomi", "product_amount": { "currency": "INR", "value": 219900 }, "interest_amount": { "currency": "INR", "value": 38508 }, "interest_rate": 16, "bundle_id": "BUNDLE_003_OE3" } ], "auth_amount": { "currency": "INR", "value": 1200000 }, "loan_amount": { "currency": "INR", "value": 219900 }, "net_payment_amount": { "currency": "INR", "value": 258408 }, "monthly_emi_amount": { "currency": "INR", "value": 10767 }, "total_emi_amount": { "currency": "INR", "value": 258408 }, "interest_amount": { "currency": "INR", "value": 38508 }, "interest_rate_percentage": 16, "emi_type": "STANDARD" } } } } ] } ' ``` ```json Sample Response { "data":{ "order_id":"v1-250124055307-aa-6OZ8sm", "merchant_order_reference":"53cf1451-4dfd-417d-a1c8-c8bd603d5200", "type":"CHARGE", "status":"PENDING", "challenge_url":"https://pluraluat.v2.pinepg.in/web/auth/landing/?token=S50f2FXi%2FYAGe2bLZEW%2FA2VHzXthz0m9igmtsP61ODtY5u4pR6RYB5IlJwK0%2Fuo%2FBs9", "merchant_id":"111163", "order_amount":{ "value":1600000, "currency":"INR" }, "pre_auth":false, "callback_url":"https://sample-callback-url", "failure_callback_url": "https://sample-failure-callback-url", "allowed_payment_methods":[ "CARD", "UPI", "NETBANKING", "POINTS", "WALLET" ], "purchase_details":{ "customer":{ "country_code":"91", "billing_address":{ }, "shipping_address":{ }, "is_edit_customer_details_allowed":false } }, "payments":[ { "id":"v1-250124055307-aa-6OZ8sm-ce-a", "merchant_payment_reference":"c7a7f778-b68f-462b-a6af-50698df12a4a", "status":"FAILED", "payment_amount":{ "value":1550000, "currency":"INR" }, "payment_method":"CREDIT_EMI", "offer_data":{ "offer_details":{ "id":"6", "name":"HDFC CC", "issuer_type":"CC_BANK", "priority":1, "tenure":{ "tenure_id":"1", "name":"3 Months", "tenure_type":"MONTH", "tenure_value":3, "issuer_offer_parameters":[ { "program_type":"BANK_EMI", "offer_id":"1803", "offer_parameter_id":"72559" }, { "program_type":"MERCHANT_BANK_OFFER", "offer_id":"1523", "offer_parameter_id":"63566" } ], "details":[ ], "discount":{ "discount_type":"INSTANT", "amount":{ "currency":"INR", "value":50000 }, "breakup":{ "merchant":{ }, "issuer":{ }, "brand":{ }, "dealer":{ } } }, "loan_amount":{ "currency":"INR", "value":1550000 }, "total_discount_amount":{ "currency":"INR", "value":50000 }, "net_payment_amount":{ "currency":"INR", "value":1601952 }, "monthly_emi_amount":{ "currency":"INR", "value":533984 }, "total_emi_amount":{ "currency":"INR", "value":1601952 }, "interest_amount":{ "currency":"INR", "value":51952 }, "interest_rate_percentage":20, "processing_fee_details":{ "amount":{ "currency":"INR", "value":19900 } }, "processing_fee_amount":{ "currency":"INR", "value":19900 }, "emi_type":"STANDARD", "bundle_id": "BUNDLE_003_OE3" } } }, "error_detail":{ "code":"INTERNAL_ERROR", "message":"Payment processor is unavailable" }, "created_at":"2025-01-24T05:53:24.476Z", "updated_at":"2025-01-24T05:53:25.492Z" }, { "id":"v1-250124055307-aa-6OZ8sm-ce-b", "merchant_payment_reference":"32e3ba62-bb95-41bb-be81-1b87ab96c0ed", "status":"PENDING", "payment_amount":{ "value":1550000, "currency":"INR" }, "payment_method":"CREDIT_EMI", "payment_option":{ "card_data":{ "card_type":"CREDIT", "network_name":"VISA", "issuer_name":"INTL HDQTRS-CENTER OWNED", "card_category":"Consumer", "country_code":"IND", "token_txn_type":"ALT_TOKEN", "save":false } }, "acquirer_data":{ "approval_code":"", "acquirer_reference":"", "rrn":"", "is_aggregator":true }, "offer_data":{ "offer_details":{ "id":"6", "name":"HDFC CC", "issuer_type":"CC_BANK", "priority":1, "tenure":{ "tenure_id":"1", "name":"3 Months", "tenure_type":"MONTH", "tenure_value":3, "issuer_offer_parameters":[ { "program_type":"BANK_EMI", "offer_id":"1803", "offer_parameter_id":"72559" }, { "program_type":"MERCHANT_BANK_OFFER", "offer_id":"1523", "offer_parameter_id":"63566" } ], "details":[ ], "discount":{ "discount_type":"INSTANT", "amount":{ "currency":"INR", "value":50000 }, "breakup":{ "merchant":{ }, "issuer":{ }, "brand":{ }, "dealer":{ } } }, "loan_amount":{ "currency":"INR", "value":1550000 }, "total_discount_amount":{ "currency":"INR", "value":50000 }, "net_payment_amount":{ "currency":"INR", "value":1601952 }, "monthly_emi_amount":{ "currency":"INR", "value":533984 }, "total_emi_amount":{ "currency":"INR", "value":1601952 }, "interest_amount":{ "currency":"INR", "value":51952 }, "interest_rate_percentage":20, "processing_fee_details":{ "amount":{ "currency":"INR", "value":19900 } }, "processing_fee_amount":{ "currency":"INR", "value":19900 }, "emi_type":"STANDARD" } } }, "created_at":"2025-01-24T05:53:58.092Z", "updated_at":"2025-01-24T05:53:59.679Z" } ], "created_at":"2025-01-24T05:53:07.740Z", "updated_at":"2025-01-24T05:53:59.680Z", "integration_mode":"SEAMLESS", "payment_retries_remaining":8 } } ``` ```curl cURL - UAT [Split EMI] curl --request POST \ --url https://api.pluralpay.in/api/pay/v1/orders/{order_id}/payments \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "payments": [ { "merchant_payment_reference": "6dc93180-91d4-448e-b2a3-c859d2f1cac9", "payment_method": "CREDIT_EMI", "payment_amount": { "value": 219900, "currency": "INR" }, "payment_option": { "card_details": { "name": "Kevin Bob", "card_number": "4000000000000000", "cvv": "065", "expiry_month": "12", "expiry_year": "2025", "registered_mobile_number": "9876543210" } }, "offer_data": { "offer_details": { "id": "2", "name": "ICICI DC", "display_name": "ICICI BANK", "issuer_type": "DC_BANK", "priority": 22, "tenure": { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "6036", "offer_parameter_id": "v1-2-2-5-4-6036-287150" } ], "details": [ { "product_code": "SPLIT_APPLE-1", "product_display_name": "", "brand_name": "", "product_amount": { "currency": "INR", "value": 10000000 }, "product_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "interest_rate": 16, "cart_coupon_discount_product_share": { "currency": "INR", "value": 1000 } } ], "loan_amount": { "currency": "INR", "value": 9998000 }, "auth_amount": { "currency": "INR", "value": 9998000 }, "net_payment_amount": { "currency": "INR", "value": 11311902 }, "monthly_emi_amount": { "currency": "INR", "value": 628439 }, "total_emi_amount": { "currency": "INR", "value": 11311902 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "split_emi_display_name": "iPhone for Life", "split_emi_amount": { "currency": "INR", "value": 2358490 }, "split_emi_percentage": 25, "interest_rate_percentage": 16, "processing_fee_details": { "percentage": 0, "amount": { "currency": "INR", "value": 19900 } }, "processing_fee_amount": { "currency": "INR", "value": 19900 }, "emi_type": "STANDARD", "cart_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "total_coupon_discount": { "currency": "INR", "value": 2000 } }, "issuer_data": { "is_consent_page_required": true, "consent_data": "
1. Consent for Disclosure of Information
I/We hereby furnish my consent to ICICI Bank to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when ICICI Bank considers such disclosure/ fetching as necessary, with/ from:
  1. Agents of ICICI Bank in any jurisdiction;
  2. Auditors, credit rating agencies/credit bureaus, statutory/regulatory authorities, governmental/administrative authorities, Central Know Your Customer (C-KYC) registry or SEBI Know Your Client registration agency, having jurisdiction over ICICI Bank;
  3. Service providers, professional advisors, consultants or such person with whom ICICI Bank contracts or proposes to contract;
(Collectively referred to as “Permitted Persons”)
For the purpose of:
  1. Provision of the facility, completion of on-boarding formalities and servicing; or
  2. Complying with KYC /customer due diligence requirements, anti-money laundering checks; or
  3. Compliance with applicable laws or any order (judicial or otherwise), statutory/regulatory/legal requirement, including disclosure to information utilities; or
  4. Credit review of facilities availed; or
  5. Authentication or verification; or
  6. Research or analysis, credit reporting & scoring, risk management, participation in any service-related communication; or
  7. Electronic clearing network and for use or processing of the said information/data; or
  8. Disclosing any default in payment; or
  9. Recovering the credit facilities including all interest and other charges.
2. Consent for Camera/Microphone Access
I/We hereby authorize ICICI Bank to get a one-time access to my/our device's camera and microphone for the purposes of on-boarding and KYC verification which is required to be conducted to enable ICICI Bank to provide the credit facilities sought by me/us.1
3. Consent to ICICI Bank's Privacy Commitment
I/We confirm having read and understood ICICI Bank's 'Privacy Commitment' available at https://www.icicibank.com/privacy. I/We acknowledge that the same shall be subject to changes by ICICI Bank from time to time at its sole discretion and I/we agree to keep myself/ourselves updated with the same.
4. I hereby expressly acknowledge that I have read and understood about the loan amount, tenure, applicable interest and other terms of the said loan. I hereby provide my consent in acceptance of the same and the KFS. With a check box below confirming the above content
1Applicable for NTB or non-KYC compliant customer. Since this is a one-time consent, access should be disabled once on-boarding/KYC is completed.
", "terms_and_conditions": "Sample TNC", "show_key_fact_statement": true, "auth_type": "PENNY_DROP", "penny_transaction_amount": { "currency": "INR", "value": 100 }, "is_tokenized_transaction_supported": false } } } } ] } ' ``` ```curl cURL - PROD [Split EMI] curl --request POST \ --url https://api.pluralpay.in/api/pay/v1/orders/{order_id}/payments \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "payments": [ { "merchant_payment_reference": "6dc93180-91d4-448e-b2a3-c859d2f1cac9", "payment_method": "CREDIT_EMI", "payment_amount": { "value": 219900, "currency": "INR" }, "payment_option": { "card_details": { "name": "Kevin Bob", "card_number": "4000000000000000", "cvv": "065", "expiry_month": "12", "expiry_year": "2025", "registered_mobile_number": "9876543210" } }, "offer_data": { "offer_details": { "id": "2", "name": "ICICI DC", "display_name": "ICICI BANK", "issuer_type": "DC_BANK", "priority": 22, "tenure": { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BANK_EMI", "offer_id": "6036", "offer_parameter_id": "v1-2-2-5-4-6036-287150" } ], "details": [ { "product_code": "SPLIT_APPLE-1", "product_display_name": "", "brand_name": "", "product_amount": { "currency": "INR", "value": 10000000 }, "product_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "interest_rate": 16, "cart_coupon_discount_product_share": { "currency": "INR", "value": 1000 } } ], "loan_amount": { "currency": "INR", "value": 9998000 }, "auth_amount": { "currency": "INR", "value": 9998000 }, "net_payment_amount": { "currency": "INR", "value": 11311902 }, "monthly_emi_amount": { "currency": "INR", "value": 628439 }, "total_emi_amount": { "currency": "INR", "value": 11311902 }, "interest_amount": { "currency": "INR", "value": 1313902 }, "split_emi_display_name": "iPhone for Life", "split_emi_amount": { "currency": "INR", "value": 2358490 }, "split_emi_percentage": 25, "interest_rate_percentage": 16, "processing_fee_details": { "percentage": 0, "amount": { "currency": "INR", "value": 19900 } }, "processing_fee_amount": { "currency": "INR", "value": 19900 }, "emi_type": "STANDARD", "cart_coupon_discount_amount": { "currency": "INR", "value": 1000 }, "total_coupon_discount": { "currency": "INR", "value": 2000 } }, "issuer_data": { "is_consent_page_required": true, "consent_data": "
1. Consent for Disclosure of Information
I/We hereby furnish my consent to ICICI Bank to share and/or fetch any of my/our information (including my/our sensitive personal information, location etc.) or any other device information when ICICI Bank considers such disclosure/ fetching as necessary, with/ from:
  1. Agents of ICICI Bank in any jurisdiction;
  2. Auditors, credit rating agencies/credit bureaus, statutory/regulatory authorities, governmental/administrative authorities, Central Know Your Customer (C-KYC) registry or SEBI Know Your Client registration agency, having jurisdiction over ICICI Bank;
  3. Service providers, professional advisors, consultants or such person with whom ICICI Bank contracts or proposes to contract;
(Collectively referred to as “Permitted Persons”)
For the purpose of:
  1. Provision of the facility, completion of on-boarding formalities and servicing; or
  2. Complying with KYC /customer due diligence requirements, anti-money laundering checks; or
  3. Compliance with applicable laws or any order (judicial or otherwise), statutory/regulatory/legal requirement, including disclosure to information utilities; or
  4. Credit review of facilities availed; or
  5. Authentication or verification; or
  6. Research or analysis, credit reporting & scoring, risk management, participation in any service-related communication; or
  7. Electronic clearing network and for use or processing of the said information/data; or
  8. Disclosing any default in payment; or
  9. Recovering the credit facilities including all interest and other charges.
2. Consent for Camera/Microphone Access
I/We hereby authorize ICICI Bank to get a one-time access to my/our device's camera and microphone for the purposes of on-boarding and KYC verification which is required to be conducted to enable ICICI Bank to provide the credit facilities sought by me/us.1
3. Consent to ICICI Bank's Privacy Commitment
I/We confirm having read and understood ICICI Bank's 'Privacy Commitment' available at https://www.icicibank.com/privacy. I/We acknowledge that the same shall be subject to changes by ICICI Bank from time to time at its sole discretion and I/we agree to keep myself/ourselves updated with the same.
4. I hereby expressly acknowledge that I have read and understood about the loan amount, tenure, applicable interest and other terms of the said loan. I hereby provide my consent in acceptance of the same and the KFS. With a check box below confirming the above content
1Applicable for NTB or non-KYC compliant customer. Since this is a one-time consent, access should be disabled once on-boarding/KYC is completed.
", "terms_and_conditions": "Sample TNC", "show_key_fact_statement": true, "auth_type": "PENNY_DROP", "penny_transaction_amount": { "currency": "INR", "value": 100 }, "is_tokenized_transaction_supported": false } } } } ] } ' ``` ```json Sample Response for Split EMI { "data": { "order_id": "v1-260316101246-aa-AIfoLK", "merchant_order_reference": "6ac6e0e6-7e3e-4c1c-9ec7-d83e44142ceb", "type": "CHARGE", "status": "PENDING", "challenge_url": "https://pluraluat.v2.pinepg.in/web/auth/landing/?token=S50N868zJ5gOC4n2D9Nsb3B9KZ5i013ZX759VhuGxo70v5EuStlUcwLZrA3zQ66J6h8", "merchant_id": "111643", "order_amount": { "value": 10000000, "currency": "INR" }, "pre_auth": false, "part_payment": false, "allowed_payment_methods": [ "CARD", "NETBANKING", "CREDIT_EMI", "UPI", "DEBIT_EMI", "BNPL", "CARDLESS_EMI" ], "purchase_details": { "customer": { "email_id": "cashlesstechnologies@gmail.com", "first_name": "Sourabh", "customer_id": "6233", "mobile_number": "9044988837", "country_code": "91", "shipping_address": { "address1": "Andheri", "pincode": "400072", "city": "Mumbai", "state": "Maharashtra", "country": "India" }, "is_edit_customer_details_allowed": false } }, "payments": [ { "id": "v1-260316101246-aa-AIfoLK-ce-a", "merchant_payment_reference": "25b79d45-cc4a-436a-afbc-efee5e5c8970", "status": "PENDING", "payment_amount": { "value": 9444392, "currency": "INR" }, "challenge_url": "https://pluraluat.v2.pinepg.in/web/auth/landing/?token=S50N868zJ5gOC4n2D9Nsb3B9KZ5i013ZX759VhuGxo70v5EuStlUcwLZrA3zQ66J6h8", "payment_method": "CREDIT_EMI", "payment_option": { "card_data": { "card_type": "CREDIT", "network_name": "VISA", "issuer_name": "ICICI Bank Limited", "card_category": "", "country_code": "IND", "token_txn_type": "ALT_TOKEN", "last4_digit": "0000", "save": false, "is_native_otp_eligible": true, "card_holder_name": "niyati gulati" } }, "acquirer_data": { "approval_code": "", "acquirer_reference": "", "rrn": "", "is_aggregator": true, "acquirer_name": "Cyber_Source_AXIS" }, "offer_data": { "offer_details": { "id": "1", "name": "ICICI CC", "issuer_type": "CC_BANK", "priority": 3, "tenure": { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BRAND_EMI", "offer_id": "6118", "offer_parameter_id": "288517" } ], "details": [ { "product_code": "SPLIT_APPLE-1", "product_display_name": "16 Pro Max 64GB", "brand_id": "1", "brand_name": "Apple", "product_offer_parameters": [ { "program_type": "BRAND_OFFER", "offer_id": "6118", "offer_parameter_id": "288517" } ], "product_amount": { "currency": "INR", "value": 10000000 }, "interest_amount": { "currency": "INR", "value": 1240336 }, "interest_rate": 15.99, "subvention": { "subvention_type": "INSTANT", "offer_type": "LOW_COST", "percentage": 6, "amount": { "currency": "INR", "value": 566038 }, "breakup": { "merchant": {}, "issuer": {}, "brand": { "amount": { "currency": "INR", "value": 566038 } }, "dealer": {} } } } ], "loan_amount": { "currency": "INR", "value": 7083294 }, "auth_amount": { "currency": "INR", "value": 9444392 }, "net_payment_amount": { "currency": "INR", "value": 10684728 }, "monthly_emi_amount": { "currency": "INR", "value": 462423 }, "total_emi_amount": { "currency": "INR", "value": 8323630 }, "interest_amount": { "currency": "INR", "value": 1240336 }, "split_emi_amount": { "currency": "INR", "value": 2361098 }, "split_emi_percentage": 25, "total_subvention_amount": { "currency": "INR", "value": 566038 }, "interest_rate_percentage": 15.99, "processing_fee_details": { "amount": { "currency": "INR", "value": 19900 } }, "processing_fee_amount": { "currency": "INR", "value": 19900 }, "emi_type": "LOW_COST", "convenience_fee_breakdown": { "fee_calculated_on_amount": { "currency": "INR", "value": 7072864 }, "fee_amount": { "currency": "INR", "value": 8839 }, "tax_amount": { "currency": "INR", "value": 1591 }, "additional_fee_amount": { "currency": "INR", "value": 10430 }, "maximum_fee_amount": { "currency": "INR", "value": 99999999 }, "applicable_fee_amount": { "currency": "INR", "value": 10430 } } } } }, "created_at": "2026-03-16T10:13:05.530Z", "updated_at": "2026-03-16T10:13:05.820Z" } ], "created_at": "2026-03-16T10:12:46.701Z", "updated_at": "2026-03-16T10:13:05.825Z", "integration_mode": "SEAMLESS", "payment_retries_remaining": 2, "is_mcc_transaction": false, "is_domestic_txn_for_risk_enabled": false, "is_v2_emi_transaction": false } } ``` Refer to our [Create Payment API](/api/affordability-suite/create-payment) documentation to learn more.

6. Handle Payment

In create payment API response we return a `challenge_url`, use this challenge url to navigate your customers to the checkout page to accept payment. > 📘 Note: > > * On successful payment we send the webhook event `ORDER_AUTHORIZED` and the status of the payment is updated to `authorized`. > * You can capture or cancel an order only when the order status is `authorized`.

6.1 Store Payment Details on Your Server

On a successful and failed payment, we return the following fields to the return url. * We recommend you to store the payment details on your server. * You must validate the authenticity of the payment details returned. You can authenticate by verifying the signature. ```json Success Callback Response { "order_id": "v1-4405071524-aa-qlAtAf", "status": "AUTHORIZED", "signature": "ba7816bf8f01cfea414140de5dae2223b00361a396177a9cb410ff61f20015ad" } ``` ```json Failure Callbak Response { "order_id": "v1-4405071524-aa-qlAtAf", "status": "AUTHORIZED", "error_code": "USER_AUTHENTICATION_REQUIRED", "error_message": "Consumer Authentication Required", "signature": "ba7816bf8f01cfea414140de5dae2223b00361a396177a9cb410ff61f20015ad" } ```

6.2 Verify Payment Signature

Ensure you follow this as a mandatory step to verify the authenticity of the details returned to the checkout form for successful payments. Follow the below steps to verify the signature. 1. Create a signature on your server using the following parameters using the SHA256 algorithm. 1. `order_id`: Unique Identifier generated for an order request on Pine Labs Online database. 2. `payment_status`: Payment status. 3. `error_code`: Short code for the error returned. 4. `error_message`: Corresponding error message for the code. 5. `secret_key`: The Onboarding team has provided you with this information as part of the onboarding process. Use the below sample code to construct HashMap signature using the SHA256 algorithm. ```java Java import java.io.UnsupportedEncodingException; import java.security.InvalidKeyException; import java.security.NoSuchAlgorithmException; import javax.crypto.Mac; import javax.crypto.spec.SecretKeySpec; public class hash { public static void main(String[] args) { // Test the GenerateHash method String input = ""; String secretKey = ""; // Example key in hex String hash = GenerateHash(input, secretKey); System.out.println("Generated Hash: " + hash); } public static String GenerateHash(String input, String strSecretKey) { String strHash = ""; try { if (!isValidString(input) || !isValidString(strSecretKey)) { return strHash; } byte[] convertedHashKey = new byte[strSecretKey.length() / 2]; for (int i = 0; i < strSecretKey.length() / 2; i++) { convertedHashKey[i] = (byte)Integer.parseInt(strSecretKey.substring(i * 2, (i*2)+2),16); //hexNumber radix } strHash = hmacDigest(input.toString(), convertedHashKey, "HmacSHA256"); } catch (Exception ex) { strHash = ""; } return strHash.toUpperCase(); } private static String hmacDigest(String msg, byte[] keyString, String algo) { String digest = null; try { SecretKeySpec key = new SecretKeySpec(keyString, algo); Mac mac = Mac.getInstance(algo); mac.init(key); byte[] bytes = mac.doFinal(msg.getBytes("UTF-8")); StringBuffer hash = new StringBuffer(); for (int i = 0; i < bytes.length; i++) { String hex = Integer.toHexString(0xFF & bytes[i]); if (hex.length() == 1) { hash.append('0'); } hash.append(hex); } digest = hash.toString(); } catch (UnsupportedEncodingException e) { // logger.error("Exception occured in hashing the pine payment gateway request"+e); } catch (InvalidKeyException e) { // logger.error("Exception occured in hashing the pine payment gateway request"+e); } catch (NoSuchAlgorithmException e) { // logger.error("Exception occured in hashing the pine payment gateway request"+e); } return digest; } public static boolean isValidString(String str){ if(str != null && !"".equals(str.trim())){ return true; } return false; } } ``` > 📘 Note: > > To create a request string, format the key-value pairs of data returned to the return URL. The pairs are separated by `&` and arranged in ascending order based on a lexicographical comparison of the keys. Shown below is a example to create a request string. ```text Success "key1=value1&key2=value2", ["order_id=random_order_id&status=AUTHORIZED"] ``` ```text Failed "key1=value1&key2=value2&key3=value3&key4=value4", ["error_code=USER_AUTHENTICATION_FAILED&error_message=Consumer Authentication required&order_id=&status=FAILED"] ``` 2. If the signature generated on your server matches the Pine Labs Online signature returned in the return URL, it confirms that the payment details are from Pine Labs Online. 3. Capture the status returned on your database. Once the payment status is `AUTHORIZED` you can either capture or cancel an order.

7. Get Order by Order ID

Use this API to retrieve the order by order ID. Use the below endpoint to capture the payment against the order. ```text Get Order by Order ID Endpoint for UAT GET: https://pluraluat.v2.pinepg.in/api/pay/v1/orders/{order_id} ``` ```text Get Order by Order ID Endpoint for PROD GET: https://api.pluralpay.in/api/pay/v1/orders/{order_id} ``` Shown below is a sample request and sample response for a Get Order by Order ID API. ```json Sample Response { "data": { "order_id": "v1-260316101246-aa-AIfoLK", "merchant_order_reference": "6ac6e0e6-7e3e-4c1c-9ec7-d83e44142ceb", "type": "CHARGE", "status": "PROCESSED", "callback_url": "", "failure_callback_url": "", "merchant_id": "111643", "order_amount": { "value": 10000000, "currency": "INR" }, "pre_auth": false, "part_payment": false, "allowed_payment_methods": [ "CARD", "NETBANKING", "CREDIT_EMI", "UPI", "DEBIT_EMI", "BNPL", "CARDLESS_EMI" ], "purchase_details": { "customer": { "email_id": "cashlesstechnologies@gmail.com", "first_name": "Sourabh", "last_name": "", "customer_id": "6233", "mobile_number": "9044988837", "country_code": "91", "shipping_address": { "address1": "Andheri", "pincode": "400072", "city": "Mumbai", "state": "Maharashtra", "country": "India" }, "is_edit_customer_details_allowed": false }, "merchant_metadata": {} }, "payments": [ { "id": "v1-260316101246-aa-AIfoLK-ce-a", "merchant_payment_reference": "25b79d45-cc4a-436a-afbc-efee5e5c8970", "status": "PROCESSED", "payment_amount": { "value": 9444392, "currency": "INR" }, "payment_method": "CREDIT_EMI", "payment_option": { "card_data": { "card_type": "CREDIT", "network_name": "VISA", "issuer_name": "ICICI Bank Limited", "country_code": "IND", "token_txn_type": "ALT_TOKEN", "last4_digit": "0000", "save": false, "card_holder_name": "niyati gulati" } }, "acquirer_data": { "approval_code": "831000", "acquirer_reference": "7736560047856935303814", "rrn": "607510512694", "is_aggregator": true, "acquirer_name": "Cyber_Source_AXIS" }, "offer_data": { "offer_details": { "id": "1", "name": "ICICI CC", "issuer_type": "CC_BANK", "priority": 3, "tenure": { "tenure_id": "5", "name": "18 Months", "tenure_type": "MONTH", "tenure_value": 18, "issuer_offer_parameters": [ { "program_type": "BRAND_EMI", "offer_id": "6118", "offer_parameter_id": "288517" } ], "details": [ { "product_code": "SPLIT_APPLE-1", "product_display_name": "16 Pro Max 64GB", "brand_id": "1", "brand_name": "Apple", "product_offer_parameters": [ { "program_type": "BRAND_OFFER", "offer_id": "6118", "offer_parameter_id": "288517" } ], "product_amount": { "currency": "INR", "value": 10000000 }, "interest_amount": { "currency": "INR", "value": 1240336 }, "interest_rate": 15.99, "subvention": { "subvention_type": "INSTANT", "offer_type": "LOW_COST", "percentage": 6, "amount": { "currency": "INR", "value": 566038 }, "breakup": { "merchant": {} } }, "product_imei": "" } ], "loan_amount": { "currency": "INR", "value": 7083294 }, "net_payment_amount": { "currency": "INR", "value": 10684728 }, "monthly_emi_amount": { "currency": "INR", "value": 462423 }, "total_emi_amount": { "currency": "INR", "value": 8323630 }, "interest_amount": { "currency": "INR", "value": 1240336 }, "split_emi_amount": { "currency": "INR", "value": 2361098 }, "split_emi_percentage": 25, "total_subvention_amount": { "currency": "INR", "value": 566038 }, "interest_rate_percentage": 15.99, "processing_fee_amount": { "currency": "INR", "value": 19900 }, "dealer_charges_percentage": 0, "emi_type": "LOW_COST", "convenience_fee_breakdown": { "fee_calculated_on_amount": { "currency": "INR", "value": 7072864 }, "fee_amount": { "currency": "INR", "value": 8839 }, "tax_amount": { "currency": "INR", "value": 1591 }, "additional_fee_amount": { "currency": "INR", "value": 10430 }, "maximum_fee_amount": { "currency": "INR", "value": 99999999 }, "applicable_fee_amount": { "currency": "INR", "value": 10430 } } } } }, "created_at": "2026-03-16T10:13:05.530Z", "updated_at": "2026-03-16T10:13:28.441Z" } ], "created_at": "2026-03-16T10:12:46.701Z", "updated_at": "2026-03-16T10:13:28.441Z", "integration_mode": "SEAMLESS", "payment_retries_remaining": 0, "is_mcc_transaction": false, "is_domestic_txn_for_risk_enabled": false, "is_v2_emi_transaction": false } } ``` Refer to our [Get Order by Order ID API](/api/orders/get-order-by-id) documentation to learn more. ## To Know Your Payment Status To check your payment status, you can either rely on Webhook events or use our **Get Orders** APIs for real-time updates. 1. **Webhook Notification**: We send Webhook notifications on the successful payment or any changes to the payments object. Refer to our [Webhooks](/developer-tools/webhooks) documentation to learn more. 2. **Get Orders API**: Use our Get Orders API to know the real time status of the payment. Refer to our [Manage Orders](/api/orders/get-order-by-id) documentation to learn more. 3. **Refunds**: Pine Labs Online processes refund directly to the customer's original payment method to prevent chargebacks. Refer to our [Refunds](/api/refunds/create-refund) documentation to learn more. ## Pre Authorization Flow - Credit EMI Our Orders API includes an optional **pre-authorization** feature. When pre-authorization is enabled (`pre_auth` = true), you can capture payment for an order after successful delivery, ensuring that settlement remains on hold until then. Once pre-authorization is enabled and the payment is successfully processed, you have the following options: **Capture Order**: Utilize the Pine Labs Online capture order API in your backend to capture the payment against an order. **Cancel Order**: Use the Pine Labs Online cancel order API in your backend to cancel the payment against an order. > 📘 Note: > > * On successful payment we send the webhook event `ORDER_AUTHORIZED` and the status of the payment is updated to `authorized`. > * You can capture or cancel an order only when the order status is `authorized`. ### 1. Capture Order Use this API to capture the payment against an order. On successful capture of an order the order status is updated as `processed`. Shown below are the sample requests and sample response for a Capture Order API. ```curl cURL - UAT curl --request PUT \ --url https://pluraluat.v2.pinepg.in/api/pay/v1/orders/order_id/capture \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "merchant_capture_reference": "merchant-capture-ref-r4y", "capture_amount": { "value": 4000, "currency": "INR" } } ' ``` ```curl cURL - PROD curl --request PUT \ --url https://api.pluralpay.in/api/pay/v1/orders/order_id/capture \ --header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzdWIiOiIxMjM0NTY3ODkwIiwibmFtZSI6IkpvaG4gRG9lIiwiaWF0IjoxNTE2MjM5MDIyfQ.SflKxwRJSMeKKF2QT4fwpMeJf36POk6yJV_adQssw5c' \ --header 'Content-Type: application/json' \ --header 'Request-ID: c17ce30f-f88e-4f81-ada1-c3b4909ed235' \ --header 'Request-Timestamp: 2024-07-09T07:57:08.022Z' \ --header 'accept: application/json' \ --data ' { "merchant_capture_reference": "merchant-capture-ref-r4y", "capture_amount": { "value": 4000, "currency": "INR" } } ' ``` ```json Sample Response { "data":{ "order_id":"v1-5757575757-aa-hU1rUd", "merchant_order_reference":"f4548bbf-a029-43d3-9209-e3385c80b1e9", "type":"CHARGE", "status":"PROCESSED", "merchant_id":"123456", "order_amount":{ "value":1100, "currency":"INR" }, "pre_auth":true, "callback_url":"https://sample-callback-url", "failure_callback_url": "https://sample-failure-callback-url", "allowed_payment_methods":[ "CARD", "UPI", "NETBANKING", "POINTS", "WALLET", "CREDIT_EMI" ], "notes":"order1", "purchase_details":{ "customer":{ "email_id":"kevin.bob@example.com", "first_name":"Kevin", "last_name":"Bob", "customer_id":"232323", "mobile_number":"9876543210", "country_code": "91", "billing_address": { "address1": "10 Downing Street Westminster London", "address2": "Oxford Street Westminster London", "address3": "Baker Street Westminster London", "pincode": "51524036", "city": "Westminster", "state": "Westminster", "country": "London",, "full_name": "Kevin Bob", "adddress_type": "Home", "address_category": "billing" }, "shipping_address": { "address1": "10 Downing Street Westminster London", "address2": "Oxford Street Westminster London", "address3": "Baker Street Westminster London", "pincode": "51524036", "city": "Westminster", "state": "Westminster", "country": "London",, "full_name": "Kevin Bob", "adddress_type": "Home", "address_category": "shipping" } }, "merchant_metadata":{ "key1":"DD", "key2":"XOF" } }, "payments":[ { "id":"v1-1111071924-aa-zzSkOA-cc-G", "status":"PROCESSED", "payment_amount":{ "value":1100, "currency":"INR" }, "payment_method":"CARD", "payment_option":{ "card_data":{ "card_type":"CREDIT", "network_name":"VISA", "issuer_name":"NONE", "card_category":"CONSUMER", "country_code":"IND", "token_txn_type":"ALT_TOKEN" } }, "acquirer_data":{ "approval_code":"000000", "acquirer_reference":"202456643801053", "rrn":"420145000226" }, "capture_data":[ { "merchant_capture_reference":"f31d8c60-0dc8-4788-a577-5ced930cc175", "capture_amount":{ "value":1100, "currency":"INR" }, "created_at":"2024-07-19T11:13:21.523Z" } ], "created_at":"2024-07-19T11:11:48.944Z", "updated_at":"2024-07-19T11:13:23.962Z" } ], "created_at":"2024-07-19T11:11:48.944Z", "updated_at":"2024-07-19T11:13:23.962Z" } } ``` Refer to our [Capture Order API](/api/orders/capture-order) documentation to learn more. ### 2. Cancel Order Use this API to cancel the payment against an order. Use the below endpoint to cancel the payment against the order. ```text Cancel Order Endpoint for UAT PUT: https://pluraluat.v2.pinepg.in/api/pay/v1/orders/{order_id}/cancel ``` ```text Cancel Order Endpoint for PROD PUT: https://api.pluralpay.in/api/pay/v1/orders/{order_id}/cancel ``` Shown below is a sample request and sample response for a Cancel Order API. ```json Sample Response { "data":{ "order_id":"v1-250124055307-aa-6OZ8sm", "merchant_order_reference":"53cf1451-4dfd-417d-a1c8-c8bd603d5200", "type":"CHARGE", "status":"CANCELLED", "challenge_url":"https://pluraluat.v2.pinepg.in/web/auth/landing/?token=S50f2FXi%2FYAGe2bLZEW%2FA2VHzXthz0m9igmtsP61ODtY5u4pR6RYB5IlJwK0%2Fuo%2FBs9", "merchant_id":"111163", "order_amount":{ "value":1600000, "currency":"INR" }, "pre_auth":false, "callback_url":"https://sample-callback-url", "failure_callback_url": "https://sample-failure-callback-url", "allowed_payment_methods":[ "CARD", "UPI", "NETBANKING", "POINTS", "WALLET", "CREDIT_EMI" ], "purchase_details":{ "customer":{ "country_code":"91", "billing_address":{ }, "shipping_address":{ }, "is_edit_customer_details_allowed":false } }, "payments":[ { "id":"v1-250124055307-aa-6OZ8sm-ce-a", "merchant_payment_reference":"c7a7f778-b68f-462b-a6af-50698df12a4a", "status":"FAILED", "payment_amount":{ "value":1550000, "currency":"INR" }, "payment_method":"CREDIT_EMI", "offer_data":{ "offer_details":{ "id":"6", "name":"HDFC CC", "issuer_type":"CC_BANK", "priority":1, "tenure":{ "tenure_id":"1", "name":"3 Months", "tenure_type":"MONTH", "tenure_value":3, "issuer_offer_parameters":[ { "program_type":"BANK_EMI", "offer_id":"1803", "offer_parameter_id":"72559" }, { "program_type":"MERCHANT_BANK_OFFER", "offer_id":"1523", "offer_parameter_id":"63566" } ], "details":[ ], "discount":{ "discount_type":"INSTANT", "amount":{ "currency":"INR", "value":50000 }, "breakup":{ "merchant":{ }, "issuer":{ }, "brand":{ }, "dealer":{ } } }, "auth_amount":{ "currency":"INR", "value":1550000 }, "loan_amount":{ "currency":"INR", "value":1550000 }, "total_discount_amount":{ "currency":"INR", "value":50000 }, "net_payment_amount":{ "currency":"INR", "value":1601952 }, "monthly_emi_amount":{ "currency":"INR", "value":533984 }, "total_emi_amount":{ "currency":"INR", "value":1601952 }, "interest_amount":{ "currency":"INR", "value":51952 }, "interest_rate_percentage":20, "processing_fee_details":{ "amount":{ "currency":"INR", "value":19900 } }, "processing_fee_amount":{ "currency":"INR", "value":19900 }, "emi_type":"STANDARD" } } }, "error_detail":{ "code":"INTERNAL_ERROR", "message":"Payment processor is unavailable" }, "created_at":"2025-01-24T05:53:24.476Z", "updated_at":"2025-01-24T05:53:25.492Z" }, { "id":"v1-250124055307-aa-6OZ8sm-ce-b", "merchant_payment_reference":"32e3ba62-bb95-41bb-be81-1b87ab96c0ed", "status":"PENDING", "payment_amount":{ "value":1550000, "currency":"INR" }, "payment_method":"CREDIT_EMI", "payment_option":{ "card_data":{ "card_type":"CREDIT", "network_name":"VISA", "issuer_name":"INTL HDQTRS-CENTER OWNED", "card_category":"Consumer", "country_code":"IND", "token_txn_type":"ALT_TOKEN", "save":false } }, "acquirer_data":{ "approval_code":"", "acquirer_reference":"", "rrn":"", "is_aggregator":true }, "offer_data":{ "offer_details":{ "id":"6", "name":"HDFC CC", "issuer_type":"CC_BANK", "priority":1, "tenure":{ "tenure_id":"1", "name":"3 Months", "tenure_type":"MONTH", "tenure_value":3, "issuer_offer_parameters":[ { "program_type":"BANK_EMI", "offer_id":"1803", "offer_parameter_id":"72559" }, { "program_type":"MERCHANT_BANK_OFFER", "offer_id":"1523", "offer_parameter_id":"63566" } ], "details":[ ], "discount":{ "discount_type":"INSTANT", "amount":{ "currency":"INR", "value":50000 }, "breakup":{ "merchant":{ }, "issuer":{ }, "brand":{ }, "dealer":{ } } }, "auth_amount":{ "currency":"INR", "value":1550000 }, "loan_amount":{ "currency":"INR", "value":1550000 }, "total_discount_amount":{ "currency":"INR", "value":50000 }, "net_payment_amount":{ "currency":"INR", "value":1601952 }, "monthly_emi_amount":{ "currency":"INR", "value":533984 }, "total_emi_amount":{ "currency":"INR", "value":1601952 }, "interest_amount":{ "currency":"INR", "value":51952 }, "interest_rate_percentage":20, "processing_fee_details":{ "amount":{ "currency":"INR", "value":19900 } }, "processing_fee_amount":{ "currency":"INR", "value":19900 }, "emi_type":"STANDARD" } } }, "created_at":"2025-01-24T05:53:58.092Z", "updated_at":"2025-01-24T05:53:59.679Z" } ], "created_at":"2025-01-24T05:53:07.740Z", "updated_at":"2025-01-24T05:53:59.680Z", "integration_mode":"SEAMLESS", "payment_retries_remaining":8 } } ``` Refer to our [Cancel Order API](/api/orders/cancel-order) documentation to learn more.