---
title: Cardless EMI Integration Steps
slug: affordability-suite/cardless-emi/integration-steps
excerpt: Integrate cardless EMI payments
hidden: false
metadata:
title: Cardless EMI Integration Steps Guide | Pine Labs
description: >-
Step-by-step guide to integrate cardless EMI payments with Pine Labs.
Generate authentication tokens, create orders, process EMI payments, and
verify signatures securely from your backend system.
image: []
keywords: >-
cardless emi integration, emi payment api, seamless checkout, payment
gateway integration, token authentication, signature verification
robots: index
sidebar_order: 3
---
Follow the below steps to integrate with Pine Labs Online seamless checkout APIs in your application.
1. [Prerequisite — Generate Token](#generate-token)
2. [Create Order](#create-order)
3. [Create Payment](#create-payment)
4. [Handle Payment](#handle-payment)
1. [Store Payment Details on Your Server](#store-payment-details-on-your-server)
2. [Verify Payment Signature](#verify-payment-signature)
> 📘 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.
***
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 documentation to learn more.
***
2. 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 --location '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,
"allowed_payment_methods":[
"CARD",
"UPI",
"NETBANKING",
"POINTS",
"WALLET"
],
"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"
}
}
}
'
```
```curl cURL - PROD
curl --location '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,
"allowed_payment_methods":[
"CARD",
"UPI",
"NETBANKING",
"POINTS",
"WALLET"
],
"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"
}
}
}
'
```
```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"
],
"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"
}
}
```
Refer to our Create Order API documentation to learn more.
> 📘 Note:
>
> The **`Wallet`** payment method cannot be tested in the UAT environment.
***
3. 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 a Create Payment API via Wallet.
```curl cURL - UAT
curl --location '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": "008cf04b-a770-4777-854e-b1e6c1230609",
"payment_method": "WALLET",
"payment_amount": {
"value": 100,
"currency": "INR"
},
"payment_option": {
"wallet_details": {
"wallet_code": "FRW"
}
},
"device_info": {
"device_type": "WEB",
"browser_user_agent": "Mozilla/5.0 (WindowsNT 10.0; WOW64; rv:51.0)"
}
}
]
}
'
```
```curl cURL - PROD
curl --location '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": "008cf04b-a770-4777-854e-b1e6c1230609",
"payment_method": "WALLET",
"payment_amount": {
"value": 100,
"currency": "INR"
},
"payment_option": {
"wallet_details": {
"wallet_code": "FRW"
}
},
"device_info": {
"device_type": "WEB",
"browser_user_agent": "Mozilla/5.0 (WindowsNT 10.0; WOW64; rv:51.0)"
}
}
]
}
'
```
```json Sample Response
{
"data":{
"order_id":"v1-241108065317-aa-zqaZCr",
"merchant_order_reference":"d1bc3469-672b-478f-b935-b385dda1a3a0",
"type":"CHARGE",
"status":"PENDING",
"challenge_url":"https://api.pluralpay.in/web/auth/wallet/billdesk?token=v1-241114140627-aa-8Ujllu-wa-C",
"merchant_id":"110553",
"order_amount":{
"value":100,
"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":{
"email_id":"kevin.bob@example.com",
"first_name":"Kevin",
"last_name":"Bob",
"customer_id":"192212",
"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":"v1-241108065317-aa-zqaZCr-nb-T",
"merchant_payment_reference":"008cf04b-a770-4777-854e-b1e6c1230609",
"status":"PENDING",
"payment_amount":{
"value":100,
"currency":"INR"
},
"payment_method":"WALLET",
"acquirer_data":{
"approval_code":"",
"acquirer_reference":"",
"rrn":"",
"is_aggregator":true
},
"created_at":"2024-11-08T06:53:32.527Z",
"updated_at":"2024-11-08T06:53:33.271Z"
}
],
"created_at":"2024-11-08T06:53:17.603Z",
"updated_at":"2024-11-08T06:53:33.272Z",
"integration_mode":"SEAMLESS"
}
}
```
Refer to our Create Wallet Payment API documentation to learn more.
***
## 4. 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`.
### 4.1 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"
}
```
### 4.2 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.