Create a Payment

POST/api/pay/v1/orders/{order_id}/payments

Create a payment against an existing order. This unified endpoint supports multiple payment methods differentiated by the payment_method field:

CARD — Pay with card number or card token (see Card Payments documentation)
UPI — Pay via UPI Collect or UPI Intent/QR (see UPI Payments documentation)
NETBANKING — Pay via net banking redirect (see Net Banking documentation)
WALLET — Pay via digital wallet (see Wallet documentation)
BRAND_WALLET — Pay using Brand Wallet balance (see Brand Wallet documentation)
EMI — Pay via Credit/Debit EMI or Cardless EMI (see Affordability Suite documentation)
BNPL — Pay via Buy Now Pay Later (see BNPL documentation)

The response returns the full order object with the payment linked. For redirect-based flows (NetBanking, Wallet, UPI Intent), use the challenge_url in the response to redirect the customer.

Brand Wallet flow: After a successful Create Payment call with BRAND_WALLET, the payment enters PENDING status. The wallet provider automatically sends an OTP to the customer. Call Submit OTP to authorize the payment.

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Requires Bearer token. Get token →

Path Parameters

Field	Details
`order_id` `string`required	Unique identifier of the order in the Pine Labs Online database.

Header Parameters

Field	Details
`Request-Timestamp` `string`date-time	ISO 8601 UTC timestamp of the request. Used for idempotency and audit.
`Request-ID` `string`	Use a global unique identifier [GUID] for the request. Constraints Minimum length: 1 characterMaximum length: 50 characters

Request Bodyrequired

Field	Details
`payments` `PaymentRequestItem[]`required9 nested fields	Array of payment items. Typically contains a single item. Constraints Minimum items: 1

Response

Field	Details
`data` `object`24 nested fields
`order_id` `string`	Unique identifier of the order in the Pine Labs Online database. Constraints Maximum length: 50 characters
`merchant_order_reference` `string`	Unique identifier entered while creating the order. Constraints Minimum length: 1 characterMaximum length: 50 characters
`type` `string`	Payment type. Allowed values: `CHARGEREFUNDADD_MONEY`
`status` `string`	Order status. Settled and Settlement Rejected status will be for Cross border only. Allowed values: `CREATEDPENDINGPROCESSEDAUTHORIZEDCANCELLEDATTEMPTEDFAILEDFULLY_REFUNDEDPARTIALLY_REFUNDEDSETTLEDSETTLEMENT_REJECTED`
`challenge_url` `string`	URL to accept payment. Returned only after payment is linked against the order_id.
`merchant_id` `string`	Unique identifier of the merchant in the Pine Labs Online database.
`order_amount` `object`2 nested fields	Monetary amount with currency.
`pre_auth` `boolean`	Whether pre-authorization is needed.
`part_payment` `boolean`	Whether part payment is enabled.
`allowed_payment_methods` `string[]`
`notes` `string`	Note shown against the order.
`callback_url` `string`	URL to redirect customers after successful payment.
`failure_callback_url` `string`	URL to redirect customers after failed payment.
`purchase_details` `object`4 nested fields
`payments` `PaymentItem[]`15 nested fields	Array of payment details. Returned only for orders linked with a payment.
`created_at` `string`date-time	ISO 8601 UTC timestamp when the order was created.
`updated_at` `string`date-time	ISO 8601 UTC timestamp when the order was last updated.
`integration_mode` `string`	Type of integration. Allowed values: `SEAMLESSREDIRECT`
`image_url` `string`	QR code image URL. Returned for UPI Intent with QR flow.
`payment_retries_remaining` `integer`	Number of retry attempts remaining before payment is marked as failed.
`is_mcc_transaction` `boolean`	Whether the order is a MCC transaction.
`is_domestic_txn_for_risk_enabled` `boolean`	Whether risk evaluation is enabled for domestic transactions.
`order_token` `string`	Unique identifier of the order token.
`cross_border_details` `object`6 nested fields	System-enriched cross-border details from merchant onboarding configuration. Includes payer_data and tcs_data after payment creation.

Status Codes

`200`	Payment created successfully. Returns the full order with payment details.
`400`	The request was malformed or missing required fields.
`401`	Authentication failed — missing, expired, or invalid Bearer token.
`404`	Order not found.
`422`	Unprocessable entity — validation failed or payment cannot be processed.
`500`	An unexpected error occurred on the server.

Run

Request

curl --request POST \
  --url https://pluraluat.v2.pinepg.in/api/pay/v1/orders/v1-4405071524-aa-qlAtAf/payments \
  --header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  --header 'Content-Type: application/json' \
  --header 'Request-ID: a1b2c3d4-e5f6-7890-abcd-ef1234567890' \
  --header 'Request-Timestamp: 2024-10-01T10:30:00Z' \
  --data '{
  "payments": [
    {
      "merchant_payment_reference": "pay-ref-001",
      "payment_amount": {
        "value": 50000,
        "currency": "INR"
      },
      "payment_method": "CARD",
      "payment_option": {
        "card_details": {
          "card_number": "your_card_number"
        },
        "card_token_details": {
          "token": "your_token",
          "token_txn_type": "your_token_txn_type"
        },
        "cardless_details": {
          "pan_number": "your_pan_number",
          "registered_mobile_number": "9876543210"
        },
        "points_card_details": {
          "card_last4": "your_card_last4",
          "card_number": "your_card_number",
          "registered_mobile_number": "9876543210"
        },
        "bnpl_details": {
          "mobile": "9876543210",
          "bnpl_pay_code": "LAZYPAY"
        },
        "netbanking_details": {
          "pay_code": "NB1531",
          "txn_mode": "REDIRECT"
        },
        "upi_details": {
          "txn_mode": "COLLECT",
          "payer": {
            "vpa": "kevinbob@okaxis"
          }
        },
        "wallet_details": {
          "wallet_code": "PAYTM",
          "customer_id": "cust-bw-001"
        }
      },
      "additional_payment_details": {
        "is_decoupled_authorization_flow": true,
        "is_bank_acs_flow": true
      },
      "device_info": {
        "operating_system": "ANDROID",
        "source_ip_address": "10.11.19.2",
        "browser_ip_address": "203.0.113.42",
        "browser_user_agent": "Chrome",
        "device_model": "Samsung S21 Ultra",
        "device_manufacturer": "Samsung"
      },
      "payer_data": {
        "first_name": "Rajesh",
        "last_name": "Patel",
        "email": "rajesh@techcorp.com",
        "phone": "9876543210",
        "country_code": "91",
        "pan": "KGEPS1880J",
        "dob": "1999-04-14",
        "name_on_pan": "TechCorp Private Limited",
        "address_line_1": "10 Downing Street Westminster London",
        "address_line_2": "Oxford Street Westminster London",
        "country": "IN",
        "is_tcs_declared": true
      },
      "offer_data": {
        "offer_details": {
          "tenure": {
            "issuer_offer_parameters": [],
            "details": [
              {
                "product_offer_parameters": [],
                "product_amount": {
                  "currency": "your_currency",
                  "value": 10000
                },
                "product_coupon_discount_amount": {
                  "currency": "your_currency",
                  "value": 10000
                },
                "subvention": {
                  "amount": {
                    "currency": "your_currency",
                    "value": 10000
                  },
                  "breakup": {
                    "brand": {
                      "amount": {
                        "currency": "your_currency",
                        "value": 10000
                      }
                    },
                    "merchant": {
                      "amount": {
                        "currency": "your_currency",
                        "value": 10000
                      }
                    },
                    "issuer": {
                      "amount": {
                        "currency": "your_currency",
                        "value": 10000
                      }
                    },
                    "dealer": {
                      "amount": {
                        "currency": "your_currency",
                        "value": 10000
                      }
                    }
                  },
                  "max_amount": {
                    "currency": "your_currency",
                    "value": 10000
                  },
                  "min_amount": {
                    "currency": "your_currency",
                    "value": 10000
                  }
                },
                "discount": {
                  "max_amount": {
                    "currency": "your_currency",
                    "value": 10000
                  },
                  "min_amount": {
                    "currency": "your_currency",
                    "value": 10000
                  },
                  "breakup": {
                    "brand": {
                      "amount": {
                        "currency": "your_currency",
                        "value": 10000
                      }
                    },
                    "merchant": {
                      "amount": {
                        "currency": "your_currency",
                        "value": 10000
                      }
                    },
                    "issuer": {
                      "amount": {
                        "currency": "your_currency",
                        "value": 10000
                      }
                    },
                    "dealer": {
                      "amount": {
                        "currency": "your_currency",
                        "value": 10000
                      }
                    }
                  }
                },
                "interest_amount": {
                  "currency": "your_currency",
                  "value": 10000
                },
                "downpayment_amount": {
                  "currency": "your_currency",
                  "value": 10000
                },
                "after_downpayment_reduced_product_amount": {
                  "currency": "your_currency",
                  "value": 10000
                },
                "cart_coupon_discount_product_share": {
                  "currency": "your_currency",
                  "value": 10000
                }
              }
            ],
            "auth_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "loan_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "total_discount_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "net_payment_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "monthly_emi_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "total_emi_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "intrest_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "processing_fee_details": {
              "amount": {
                "currency": "your_currency",
                "value": 10000
              }
            },
            "processing_fee_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "split_emi_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "convenience_fee_breakdown": {
              "fee_calculated_on_amount": {
                "currency": "your_currency",
                "value": 10000
              },
              "fee_amount": {
                "currency": "your_currency",
                "value": 10000
              },
              "tax_amount": {
                "currency": "your_currency",
                "value": 10000
              },
              "additional_fee_amount": {
                "currency": "your_currency",
                "value": 10000
              },
              "maximum_fee_amount": {
                "currency": "your_currency",
                "value": 10000
              },
              "applicable_fee_amount": {
                "currency": "your_currency",
                "value": 10000
              },
              "subvented_fee_amount": {
                "currency": "your_currency",
                "value": 10000
              }
            },
            "cart_coupon_discount_amount": {
              "currency": "your_currency",
              "value": 10000
            },
            "total_coupon_discount": {
              "currency": "your_currency",
              "value": 10000
            },
            "downpayment_details": {
              "downpayment_amount": {
                "currency": "your_currency",
                "value": 10000
              }
            }
          }
        }
      }
    }
  ]
}'

Status:

{
  "data": {
    "order_id": "v1-5206071124-aa-mpLhF3",
    "merchant_order_reference": "0342ef1e-4606-4c11-8640-705f4d415b6d",
    "type": "CHARGE",
    "status": "PROCESSED",
    "challenge_url": "https://api.pluralpay.in/web/auth/landing/?token=S50xnInJvpcft...",
    "merchant_id": "104359",
    "order_amount": {
      "value": 1000,
      "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": "[email protected]",
        "first_name": "Kevin",
        "last_name": "Bob",
        "customer_id": "123456",
        "mobile_number": "9876543210",
        "country_code": "91"
      },
      "merchant_metadata": {
        "key1": "value1",
        "key2": "value2"
      }
    },
    "payments": [
      {
        "id": "v1-5206071124-aa-mpLhF3-cc-l",
        "merchant_payment_reference": "008cf04b-a770-4777-854e-b1e6c1230609",
        "status": "PROCESSED",
        "payment_amount": {
          "value": 1000,
          "currency": "INR"
        },
        "payment_method": "CARD",
        "payment_option": {
          "card_data": {
            "card_type": "CREDIT",
            "network_name": "MASTERCARD",
            "issuer_name": "HDFC",
            "card_category": "NONE",
            "country_code": "IND",
            "token_txn_type": "ALT_TOKEN",
            "last4_digit": "1091",
            "save": false,
            "is_native_otp_eligible": true
          }
        },
        "acquirer_data": {
          "approval_code": "030376",
          "acquirer_reference": "202455840588334",
          "rrn": "419335023601",
          "is_aggregator": true
        },
        "created_at": "2024-07-11T06:52:12.484Z",
        "updated_at": "2024-07-11T06:59:38.260Z"
      }
    ],
    "created_at": "2024-07-11T06:52:12.484Z",
    "updated_at": "2024-07-11T06:59:38.260Z"
  }
}