Pine Labs Payments API Reference

Authenticate API requests and generate Bearer access tokens using OAuth 2.0 client credentials flow.

Create payment orders, capture authorized payments, cancel pre-authorized orders, and retrieve order details by ID or merchant reference.

Create full or partial refunds against completed payment orders with idempotent request handling.

Retrieve settlement reports and details, search by UTR number for bank reconciliation and payout tracking.

Release held funds to sub-merchants or vendors in marketplace flows, or cancel pending split settlements.

Generate hosted checkout page URLs to accept payments without custom frontend integration.

Create shareable payment links, retrieve link details, cancel active links, and resend notifications via SMS or email.

Process credit and debit card payments with OTP authentication, 3D Secure, BIN lookup, and decoupled authorization.

Process UPI payments via collect requests, intent flows, and QR codes with VPA validation.

Process net banking payments from all major Indian banks with secure redirect flows.

Process digital wallet payments including Paytm, PhonePe, Amazon Pay with OTP authentication.

Verify VPA and check reward points balance to process payments using customer loyalty points.

Create electronic challans for government and institutional fee collection, retrieve challan details and download PDF receipts.

Authorize Apple Pay payments by processing encrypted payment tokens from Apple Wallet on iOS.

Process cross-border card payments in 100+ currencies, compute TCS for LRS remittance, manage invoices and AWB documents for compliance.

Create customer profiles, update customer information, and retrieve customer details for tokenization and subscriptions.

Generate RBI-compliant card tokens, retrieve service provider tokens, create cryptograms, and manage saved cards for one-click payments.

Transfer funds to bank accounts via IMPS, NEFT, or RTGS with support for instant, scheduled, and bulk payouts.

Discover EMI offers and bank discounts, validate offer eligibility, check IMEI for device financing, and process affordability payments.

Check customer eligibility for Buy Now Pay Later, submit OTP for authentication, and process pay later transactions.

Calculate applicable convenience fees and surcharges for different payment methods and transaction amounts.

Verify UPI VPA details and check payment eligibility before initiating transactions.

Create brand wallets, validate wallet eligibility, activate/deactivate wallets, check balance, load funds, reset PIN, and view transaction history.

Process payments using brand wallet balance and add money via gift cards or UPI for closed-loop payment programs.

Create subscription plans with billing frequency and amount, retrieve plan details, update or delete plans.

Create recurring payment subscriptions with auto-debit mandates, manage subscription lifecycle including pause, resume, and cancellation.

Submit debit requests against active subscription mandates, send pre-debit notifications, and retry failed collections.

Create SBMD-enabled subscriptions to reserve funds in UPI accounts and process debits against blocked amounts.