Create 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)
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.

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Requires Bearer token. Get token →

Path Parameters

Name	Type	Description
`order_id`	`string`required	Unique identifier of the order in the Pine Labs Online database.

Request Body

Name	Type	Description
`payments`	`PaymentRequestItem[]`required	Array of payment items. Typically contains a single item.
`merchant_payment_reference`	`string`required	Idempotency Key. Unique payment reference assigned by the merchant. Duplicate requests with the same `merchant_payment_reference` will return the existing payment instead of creating a new one.
`payment_amount`	`object`required	Monetary amount with currency.
`payment_method`	`CARD \| UPI \| NETBANKING \| WALLET \| CREDIT_EMI \| DEBIT_EMI \| CARDLESS_EMI \| POINTS \| BNPL`required	Type of payment method for this payment. `CARDUPINETBANKINGWALLETCREDIT_EMIDEBIT_EMICARDLESS_EMIPOINTSBNPL`
`payment_option`	`object`	Mandatory object An object that contains the details of the payment options. Use `card_details` or `card_token_details` for card payments, `upi_details` for UPI, `netbanking_details` for net banking, `cardless_details` for cardless EMI, `points_card_details` for points, or `bnpl_details` for BNPL. One object is mandatory to process the request.
`device_info`	`object`	Device information details. Mandatory for SIMPL and SIMPL3 BNPL providers.
`payer_data`	`object`	Payer details for cross-border transactions. Contains customer identity and address information needed for cross-border compliance.
`tcs_data`	`object`	TCS computation data from the TCS Compute API. Required only when tcs_applicable is true. If TCS is not applicable, do not send this field.
`offer_data`	`object`	An object that contains details related to the offer. Required for CREDIT_EMI, DEBIT_EMI, CARDLESS_EMI, and UPI payment methods.

Response

Name	Type	Description
`data`	`object`
`order_id`	`string`	Unique identifier of the order in the Pine Labs Online database.
`merchant_order_reference`	`string`	Unique identifier entered while creating the order.
`type`	`CHARGE \| REFUND`	Payment type. `CHARGEREFUND`
`status`	`CREATED \| PENDING \| PROCESSED \| AUTHORIZED \| CANCELLED \| ATTEMPTED \| FAILED \| FULLY_REFUNDED \| PARTIALLY_REFUNDED`	Order status. `CREATEDPENDINGPROCESSEDAUTHORIZEDCANCELLEDATTEMPTEDFAILEDFULLY_REFUNDEDPARTIALLY_REFUNDED`
`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`	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`
`payments`	`PaymentItem[]`	Array of payment details. Returned only for orders linked with a payment.
`created_at`	`string`	ISO 8601 UTC timestamp when the order was created.
`updated_at`	`string`	ISO 8601 UTC timestamp when the order was last updated.
`integration_mode`	`SEAMLESS \| REDIRECT`	Type of integration. `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`	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`
`401`
`404`	Order not found.
`422`	Unprocessable entity — validation failed or payment cannot be processed.
`500`

Example:

Request

curl -X POST "https://api.pluralpay.in/api/pay/v1/orders/{order_id}/payments" \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
  "payments": [
    {
      "merchant_payment_reference": "pay-ref-001",
      "payment_amount": {
        "value": 1000,
        "currency": "INR"
      },
      "payment_method": "CARD",
      "payment_option": {
        "card_details": {
          "card_number": "4000000000001091",
          "expiry_month": "01",
          "expiry_year": "2026",
          "cvv": "123",
          "name": "Kevin Bob",
          "save": true
        }
      }
    }
  ]
}'

Run this request

Bearer token

Path parameters

order_id

Request body (JSON)

200 OK

{
  "data": {
    "order_id": "v1-5757575757-aa-hU1rUd",
    "merchant_order_reference": "112345",
    "type": "CHARGE",
    "status": "CREATED",
    "challenge_url": "https://api.pluralpay.in/web/auth/landing/?token=S50xnInJvpcftOzmuGWUqnLpIe694YPGJiKL%2FdBh5Yl%2Bwb8giJrl6HoTvcKljRVZa3H",
    "merchant_id": "123456",
    "order_amount": {
      "value": 50000,
      "currency": "INR"
    },
    "pre_auth": true,
    "part_payment": 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": "john@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": "billing"
        },
        "is_edit_customer_details_allowed": false
      },
      "merchant_metadata": {
        "clientId": "DD",
        "transactionReferenceNo": "pine-1223",
        "merchantId": "1234",
        "tid": "9000990",
        "acquirerName": "HDFC_FSS",
        "isOfferDisplayRequired": "true",
        "OfferData": "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",
        "tenant_id": "PGATPOS",
        "is_offer_validation_required": "true"
      },
      "split_info": {
        "split_type": "AMOUNT",
        "split_details": [
          {
            "split_merchant_id": "1324",
            "split_settlement_id": "v1-241118074845-aa-wduUQF-ss-b",
            "merchant_settlement_reference": "kshjhfk",
            "amount": {
              "value": 50000,
              "currency": "INR"
            },
            "on_hold": true,
            "status": "HOLD",
            "updated_at": "2024-11-18T07:48:45.324Z"
          }
        ]
      },
      "cart_details": {
        "cart_items": [
          {
            "item_id": "9876",
            "item_name": "T Shirt",
            "item_description": "Shopping on Diwali Sale",
            "item_details_url": "https://chriscross.in/cdn/shop/files/95_800x.jpg",
            "item_image_url": "https://chriscross.in/cdn/shop/files/95_800x.jpg",
            "item_original_unit_price": 199,
            "item_discounted_unit_price": 149,
            "item_quantity": 2,
            "item_currency": "INR"
          }
        ]
      }
    },
    "payments": [
      {
        "id": "v1-5206071124-aa-mpLhF3-cc-l",
        "merchant_payment_reference": "pay-ref-001",
        "status": "PENDING",
        "payment_amount": {
          "value": 50000,
          "currency": "INR"
        },
        "base_amount": {
          "value": 50000,
          "currency": "INR"
        },
        "conversion_rate": 0.0123,
        "payment_method": "CARD",
        "payment_option": {
          "card_data": {
            "card_type": "CREDIT",
            "network_name": "VISA",
            "issuer_name": "HDFC",
            "product_name": "Visa Platinum",
            "card_category": "CONSUMER",
            "country_code": "IND",
            "token_txn_type": "ALT_TOKEN",
            "last4_digit": "1091",
            "save": false,
            "is_native_otp_eligible": true
          },
          "upi_details": {
            "txn_mode": "COLLECT",
            "payer": {
              "vpa": "kevinbob@okaxis"
            }
          },
          "netbanking_details": {
            "pay_code": "NB1531",
            "txn_mode": "REDIRECT"
          },
          "wallet_details": {
            "wallet_name": "PAYTM"
          },
          "bnpl_details": {
            "mobile": "9876543210",
            "bnpl_pay_code": "LAZYPAY"
          },
          "points_card_details": {
            "card_last4": "1234",
            "points_redeemed": "500"
          },
          "cardless_details": {
            "pan_number": "ABCDE****F",
            "registered_mobile_number": "9876543210"
          }
        },
        "acquirer_data": {
          "approval_code": "030376",
          "acquirer_reference": "202455840588334",
          "rrn": "419335023601",
          "is_aggregator": true
        },
        "offer_data": {
          "offer_details": {
            "tenure": {
              "issuer_offer_parameters": [],
              "details": [
                {
                  "product_offer_parameters": [],
                  "subvention": {
                    "breakup": {
                      "brand": {}
                    }
                  }
                }
              ]
            }
          }
        },
        "error_detail": {
          "code": "PAYMENT_DECLINED",
          "message": "Transaction declined due to insufficient balance"
        },
        "capture_data": [
          {
            "merchant_capture_reference": "f31d8c60-0dc8-4788-a577-5ced930cc175",
            "capture_amount": {
              "value": 50000,
              "currency": "INR"
            },
            "created_at": "2024-07-19T11:13:21.523516426Z"
          }
        ],
        "created_at": "2024-09-11T08:07:55.647Z",
        "updated_at": "2024-09-11T08:07:57.115Z"
      }
    ],
    "created_at": "2024-07-09T07:57:08.022Z",
    "updated_at": "2024-07-09T07:57:08.022Z",
    "integration_mode": "SEAMLESS",
    "image_url": "https://api.pluralpay.in/qr/image/v1-order-id",
    "payment_retries_remaining": 10,
    "is_mcc_transaction": false,
    "is_domestic_txn_for_risk_enabled": false,
    "order_token": "mzohdLMNCzZ2SN3k1Ppglkz4mmk9edyahe34BM%2Fu9gA%3D",
    "cross_border_details": {
      "flow_type": "NON_LRS",
      "purpose_code": "S0101",
      "commodity_type": "SERVICES",
      "requires_pan": true,
      "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
      }
    }
  }
}