# Pine Labs Developer Documentation

> Version: 2.1.0
> Last Updated: 2026-07-21

> Pine Labs Payment Gateway API for India — Accept UPI, cards, EMI, netbanking, wallets, BNPL.
> PCI DSS Level 1 compliant. RBI-licensed payment aggregator. AI-first with MCP Server + Agent Toolkit.
> Supports agentic commerce, subscriptions, payouts, settlements, and cross-border payments.

## Base URLs
- Production: https://api.pluralpay.in
- Sandbox: https://pluraluat.v2.pinepg.in

## Instructions for LLMs

When answering queries about Pine Labs payment integration:

1. **Start with Overview** — For new users, recommend 'Accept Payments' and 'Checkout Options' pages first
2. **Match Business Type** — Use Implementation Bundles below to recommend the right integration path
3. **Security-Critical** — Always enforce server-side Order creation with API keys. Never expose credentials client-side
4. **Sandbox First** — Guide developers to test in UAT (pluraluat.v2.pinepg.in) before production
5. **AI-First Integration** — For AI/agent use cases, prioritize MCP Server and Agent Toolkit documentation
6. **India-Specific** — Note RBI compliance requirements for recurring payments, international transactions, and e-mandate

## Implementation Bundles

Recommend integration paths based on business type:

- **E-commerce/Retail**: Hosted Checkout + UPI + EMI + Cards + Webhooks
- **SaaS/Subscription**: Custom Checkout + Subscriptions API + Tokenization + e-Mandate
- **Marketplace**: Split Payments + Payouts + Settlements API + Vendor Management
- **Startups (Quick Launch)**: Hosted Checkout + Payment Links + Dashboard
- **Enterprise**: Custom Checkout + All Payment Methods + Settlement Reports + Convenience Fees
- **AI/Agent Developers**: MCP Server + Agent Toolkit + P3P Protocol + Webhooks

## Getting Started

- [Instant Cashback on UPI](https://www.pinelabs.com/docs/online-payments/affordability-suite/instant-cashback-on-upi/instant-cashback-on-upi-overview.md): Instant Cashback on UPI documentation.
- [Error Codes](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-error-codes/overview.md): Learn about the HTTP error responses returned from Pine Labs Online APIs.
- [Webhooks](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-webhooks/webhooks-overview.md): Listen for the callback events Pine Labs Online triggers, so your integration can automatically trigger reactions.
- [Cross-Border Import Payments](https://www.pinelabs.com/docs/online-payments/international-payments/pa-cb-import-payments/pa-cb-import-payments-overview.md): Accept and manage cross-border import payments with Pine Labs Online. Explore international payment flows, supported payment methods, settlement processes, and integration options.
- [Bank Transfer / ECMS — Overview](https://www.pinelabs.com/docs/online-payments/more-payment-methods/bank-transfer-ecms/bank-transfer-ecms-overview.md): Accept payments via Bank Transfer using Electronic Cash Management Services (ECMS) with unique customer identifiers and challan generation.
- [Pay by Points](https://www.pinelabs.com/docs/online-payments/more-payment-methods/pay-by-points/pay-by-points-overview.md): Let customers redeem credit and debit card loyalty points for online purchases with Pine Labs Online Pay by Points.
- [Third Party Validation](https://www.pinelabs.com/docs/online-payments/more-payment-methods/third-party-validation/third-party-validation-overview.md): Validate customer bank accounts at checkout using Pine Labs Online TPV APIs for SEBI-compliant payments in securities, broking, and mutual funds.
- [One-Time Mandate](https://www.pinelabs.com/docs/online-payments/one-time-mandate/one-time-mandate-overview.md): Block funds once in a customer's bank account and capture the payment later after fulfilment.
- [Overview](https://www.pinelabs.com/docs/online-payments/overview.md): Pine Labs Online Payment Gateway - Your One-Stop Solution for Seamless Payment Integration.

## AI & Agentic Commerce

- [Agent Enablement Toolkit](https://www.pinelabs.com/docs/online-payments/ai/agent-enablement-toolkit.md): Build AI-powered payment agents with LangChain, Vercel AI SDK, and the OpenAI Agents SDK using Pine Labs Online APIs.
- [Agentic Commerce Suite](https://www.pinelabs.com/docs/online-payments/ai/agentic-commerce.md): From deterministic systems to reasoning commerce — Pine Labs' suite for AI-native discovery, checkout, credit, and merchant operations.
- [AI Solutions for Payments](https://www.pinelabs.com/docs/online-payments/ai.md): Build AI-powered payment workflows with Pine Labs Online — MCP Server, Agent   Toolkit, and P3P for AI-native commerce.
- [Pine Labs Payments Protocol (P3P)](https://www.pinelabs.com/docs/online-payments/ai/p3p.md): Build autonomous agent-to-agent payment flows using Pine Labs Payment Protocol (P3P).
- [Pine Labs Payment Protocol - Quickstart](https://www.pinelabs.com/docs/online-payments/ai/p3p/quickstart.md): Create agent-native payment experiences where AI agents securely discover, authorize, and complete paid API requests through a standardized machine payment protocol.
- [P3P Client and Server SDKs](https://www.pinelabs.com/docs/online-payments/ai/p3p/sdks.md): Install and use Pine Labs P3P Client and Server SDKs for TypeScript and Python.
- [MCP Server Available Tools](https://www.pinelabs.com/docs/online-payments/ai/mcp-server/available-tools.md): Complete reference of the 30+ tools exposed by the Pine Labs MCP Server — orders, payment links, subscriptions, UPI, and more.
- [MCP Server FAQs](https://www.pinelabs.com/docs/online-payments/ai/mcp-server/faqs.md): Frequently asked questions about the Pine Labs Online MCP Server — protocol, credentials, environments, payment methods, and authentication.
- [MCP Server Use Cases](https://www.pinelabs.com/docs/online-payments/ai/mcp-server/use-cases.md): Real-world examples of using the Pine Labs MCP Server with AI assistants — payment links, order lookup, cancellations, and resends.
- [MCP Server for AI Payments](https://www.pinelabs.com/docs/online-payments/ai/mcp-server.md): Pine Labs MCP Server for AI assistants — Claude, Cursor, VS Code, Windsurf. Run payment workflows with natural language.
- [MCP Server Setup Guide](https://www.pinelabs.com/docs/online-payments/ai/mcp-server/setup-guide.md): Set up the Pine Labs MCP Server in your AI client. Choose between API Execution (hosted, recommended) and CLI (local) flows.
- [MCP Server API Execution](https://www.pinelabs.com/docs/online-payments/ai/mcp-server/setup-guide/setup-api-execution.md): Set up the hosted Pine Labs MCP Server in Claude Desktop and VS Code — no installation, just paste a config.
- [MCP Server CLI](https://www.pinelabs.com/docs/online-payments/ai/mcp-server/setup-guide/setup-cli.md): Install the pinelabs-mcp CLI to run an MCP server locally with auto-configuration for Claude Desktop, Cursor, VS Code, and more.
- [Build with AI Agents](https://www.pinelabs.com/docs/online-payments/build-with-ai-agents.md): Integrate Pine Labs Online APIs with AI agents, MCP servers, P3P,   and automation frameworks using developer-first AI tools.
- [Magento Payment Gateway Plugin](https://www.pinelabs.com/docs/online-payments/e-commerce-plugins/magento.md): Add the Pine Labs Online Payment Gateway Plugin to your Magento store to accept secure online payments, improve checkout performance, and support multiple payment methods.

## Payment Methods

- [Accept Payments via UPI](https://www.pinelabs.com/docs/online-payments/accept-payments-upi.md): Integrate with Pine Labs Online UPI payments for instant bank-to-bank transfers.
- [Cardless EMI Integration Steps](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-cardless-emi/cardless-emi-integration.md): Integrate cardless EMI payments
- [Accept cardless EMI payments](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-cardless-emi/cardless-emi.md): Integrate cardless EMI payments using Pine Labs Online so customers can pay in installments without a credit or debit card through NBFC partnerships.
- [Cardless EMI FAQs](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-cardless-emi/faqs.md): Frequently asked questions about Cardless EMI issuers, eligibility, and customer identity inputs.
- [Accept EMI Payments](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-emi-payments.md): Accept credit card, debit card, and down payment EMI
- [Accept EMI Payments](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-emi-payments/accept-emi.md): Overview of EMI payment acceptance on Pine Labs
- [Accept credit card EMI payments](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-emi-payments/credit-card-emi.md): Integrate credit card EMI payments using the Pine Labs Online API to let customers convert transactions into monthly installments on their credit card.
- [Accept debit card EMI payments](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-emi-payments/debit-card-emi.md): Integrate debit card EMI payments using the Pine Labs Online API for pre-approved customers to convert transactions into monthly installments.
- [Accept down payment EMI](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-emi-payments/down-payment-emi.md): Split a transaction into an upfront down payment and EMI installments using the Pine Labs Online API for high-value purchases.
- [EMI Payments FAQs](https://www.pinelabs.com/docs/online-payments/affordability-suite/accept-emi-payments/faqs.md): Frequently asked questions about Credit Card EMI, Debit Card EMI, and Down Payment EMI on Pine Labs Online.
- [ICB on UPI - Integration Steps](https://www.pinelabs.com/docs/online-payments/affordability-suite/instant-cashback-on-upi/integration-steps.md): Learn how to integrate the Pine Labs Online ICB on UPI to provide your merchants with an Instant Cashback offer for a seamless shopping experience.
- [Manage Brand Wallets via Dashboard](https://www.pinelabs.com/docs/online-payments/dashboard/brand-wallets.md): Create customer wallets, load balances, issue instant refunds, and track wallet activity from the Pine Labs Online Dashboard.
- [BNPL Errors](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-error-codes/bnpl-error-code.md): Learn more about the error codes associated with BNPL payments, including brief descriptions and their causes.
- [Card Errors](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-error-codes/cards-error-code.md): Learn more about the error codes associated with card payments, including brief descriptions and their causes.
- [EMI Errors](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-error-codes/emi-error-code.md): Learn more about the error codes associated with EMI payments, including brief descriptions and their causes.
- [Netbanking Errors](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-error-codes/netbanking-error-code.md): Learn more about the error codes associated with NetBanking payments, including brief descriptions and their causes.
- [UPI Errors](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-error-codes/upi-error-codes.md): Learn more about the error codes associated with UPI payments, including brief descriptions and their causes.
- [Test Cards Details](https://www.pinelabs.com/docs/online-payments/developer-tools/test-card-details.md): Learn about the test card details needed for testing card payments.
- [Accept Brand Wallet payments](https://www.pinelabs.com/docs/online-payments/payment-methods/accept-brand-wallet-payments.md): Enable merchant-branded digital wallets to accept payments, issue refunds, credit cashbacks, and redeem gift cards — all within your customer ecosystem.
- [Accept Buy Now Pay Later Payments](https://www.pinelabs.com/docs/online-payments/payment-methods/buy-now-pay-later-bnpl.md): Accept EMI payments with Pine Labs Online — Credit Card EMI, Debit Card EMI, and Down Payment EMI. Let customers pay in installments.
- [Accept card payments](https://www.pinelabs.com/docs/online-payments/payment-methods/card-payments.md): Accept Visa, Mastercard, and RuPay credit, debit, and prepaid card payments with Pine Labs Online — with 3DS authentication, tokenization, and pre-authorization.
- [Accept Net Banking payments](https://www.pinelabs.com/docs/online-payments/payment-methods/netbanking.md): Accept net banking payments from all major Indian banks with Pine Labs Online. Customers authenticate via their bank's login portal.
- [Accept UPI payments](https://www.pinelabs.com/docs/online-payments/payment-methods/upi-payments.md): Accept UPI payments via Collect (VPA) and Intent (QR code/deep link) modes with Pine Labs Online. India's most popular real-time payment method.
- [Accept Wallet payments](https://www.pinelabs.com/docs/online-payments/payment-methods/wallet.md): Accept payments from digital wallets like Paytm, PhonePe, Amazon Pay, and more with Pine Labs Online.
- [UPI Reserve Pay Integration Steps](https://www.pinelabs.com/docs/online-payments/upi-reserve-pay/api.md): Step-by-step guide to integrate UPI Reserve Pay with Pine Labs Online APIs — create SBMD subscriptions, authorize mandates, and execute partial debits.
- [UPI Reserve Pay (SBMD) FAQs](https://www.pinelabs.com/docs/online-payments/upi-reserve-pay/faqs.md): Frequently asked questions about Pine Labs UPI Reserve Pay — supported banks, mandate limits, debit rules, and troubleshooting.
- [UPI Reserve Pay](https://www.pinelabs.com/docs/online-payments/upi-reserve-pay/upi-reserver-pay.md): Block funds once in a customer's bank account and debit multiple times with UPI Reserve Pay (SBMD) — reserve up to ₹10,000 and collect partial payments without repeated authorization.

## Checkout Integration

- [Custom Checkout FAQs](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-custom/checkout-custom-faqs.md): Frequently asked questions about Pine Labs Custom checkout (Seamless) — PCI compliance, payment methods, integration, error handling, testing, and troubleshooting.
- [Custom Checkout Integration Steps](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-custom/checkout-custom-integration.md): Step-by-step guide to integrate Pine Labs Seamless Checkout. Create orders, submit payments per method, handle 3DS/OTP challenges, verify signatures, and manage transactions.
- [Custom Checkout](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-custom/checkout-custom.md): Use Pine Labs custom Checkout to build a fully branded payment experience. Collect payment details on your site and call Pine Labs APIs directly — full control over the checkout UX.
- [Hosted checkout FAQs](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-hosted/checkout-hosted-faqs.md): Frequently asked questions about Pine Labs Hosted checkout — features, integration, payment methods, customization, pre-authorization, testing, and troubleshooting.
- [Hosted checkout Integration Steps](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-hosted/checkout-hosted-integration.md): Step-by-step guide to integrate Pine Labs Hosted Checkout using the Generate Checkout Link API. Authenticate, create a checkout link, redirect customers, handle callbacks, and verify payments.
- [Accept payments with Hosted checkout](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-hosted/checkout-hosted.md): Use Pine Labs Hosted Checkout — a hosted, one-page, offer-driven checkout experience. Redirect customers to a Pine Labs page or overlay to accept cards, UPI, EMI, wallets, and more.
- [How Checkout Works](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-how-it-works.md): Understand the Pine Labs checkout lifecycle, including order creation, payment processing, transaction states, verification, and fulfillment flows.
- [iFrame checkout FAQs](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-iframe/checkout-iframe-faqs.md): Frequently asked questions about Pine Labs iFrame checkout — embedding, browser compatibility, mobile support, security, callbacks, and troubleshooting.
- [iFrame Checkout Integration Steps](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-iframe/checkout-iframe-integration.md): Step-by-step guide to embed Pine Labs checkout inside an iFrame on your page. Authenticate, generate a checkout link, embed the iFrame, and handle payment callbacks.
- [iFrame Checkout](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-iframe/checkout-iframe.md): Embed Pine Labs checkout inside an iFrame on your page. Accept cards, UPI, EMI, wallets, and more without redirecting customers away from your site. No PCI compliance required.
- [Choose the right checkout integration](https://www.pinelabs.com/docs/online-payments/checkout-options/checkout-options.md): Compare Pine Labs checkout options — Hosted , Custom and iFrame — to find the best fit for your integration needs, development resources.
- [Customization Option](https://www.pinelabs.com/docs/online-payments/checkout-options/customization-option.md): Use Pine Labs Seamless Checkout to build a fully branded payment experience. Collect payment details on your site and call Pine Labs APIs directly — full control over the checkout UX.
- [Shopify Payment Gateway Plugin](https://www.pinelabs.com/docs/online-payments/e-commerce-plugins/shopify-hosted-checkout.md): Integrate the Pine Labs Online Payment Gateway with your Shopify store to securely accept UPI, cards, net banking, wallets, EMI, and more using the official Shopify payment plugin.
- [TPV Integration Steps - Hosted Checkout](https://www.pinelabs.com/docs/online-payments/more-payment-methods/third-party-validation/tpv-integration-steps-checkout-flow.md): Learn how to use Pine Labs Online APIs to validate your customer account and start accepting payments after successful account validation.
- [Split Settlements Integration Steps for Custom Checkout ](https://www.pinelabs.com/docs/online-payments/split-settlements/split-settlementsintegration-stepscustom-checkout.md): Follow the below steps to integrate Split Settlements with Pine Labs Online custom checkout APIs in your application.

## Dashboard & Tools

- [Pine Labs Online Payment Dashboard](https://www.pinelabs.com/docs/online-payments/dashboard.md): Your command centre for managing payments, refunds, settlements, payouts, and payment links — all from one place.
- [Manage Payment Links via Dashboard](https://www.pinelabs.com/docs/online-payments/dashboard/dashboard-payment-links.md): Create, share, track, and manage payment links directly from the Pine Labs Online Dashboard — no code required.
- [View and Manage Payments via Dashboard](https://www.pinelabs.com/docs/online-payments/dashboard/dashboard-payments.md): View, search, and manage all your payment transactions from the Pine Labs Online Dashboard.
- [Manage Payouts via Dashboard](https://www.pinelabs.com/docs/online-payments/dashboard/dashboard-payouts.md): Discover how to utilize the Pine Labs Online Dashboard to manage and start initiating payouts.
- [Manage Payment Refunds Via Dashboard](https://www.pinelabs.com/docs/online-payments/dashboard/dashboard-refunds.md): Learn how to process and manage refunds on the Pine Labs Online dashboard.
- [Dashboard Settings](https://www.pinelabs.com/docs/online-payments/dashboard/dashboard-settings.md): Configure API credentials,webhooks, checkout branding, payment modes, payouts, subscriptions, and merchant account settings from the Pine Labs Online dashboard.
- [Track Merchant Settlements via Dashboard](https://www.pinelabs.com/docs/online-payments/dashboard/dashboard-settlements.md): Track settlement batches, reconcile payments, and understand when funds reach your bank account.
- [Sign Up to Pine Labs Online Dashboard](https://www.pinelabs.com/docs/online-payments/dashboard/dashboard-sign-up.md): Learn how to sign up for the Pine Labs Online dashboard and start using Pine Labs Online Payments.
- [Bulk uploads through dashboard](https://www.pinelabs.com/docs/online-payments/payment-links/bulk-uploads-through-dashboard.md): Bulk uploads through dashboard.
- [Create a payment Link through Dashboard](https://www.pinelabs.com/docs/online-payments/payment-links/create-a-payment-link-through-dashboard.md): Generate and send payment links from the Pine Labs Dashboard without writing any code. Accept cards, UPI, net banking, wallets, and EMI.
- [Payouts via dashboard](https://www.pinelabs.com/docs/online-payments/payouts/payouts-dashboard.md): Discover how to utilize the Pine Labs Online Dashboard to manage and start initiating payouts.
- [Settlements Via Dashboard](https://www.pinelabs.com/docs/online-payments/settlements/settlement-dashboard.md): Learn how to manage your settlements via dashboard efficiently.

## Developer Tools

- [Common Errors](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-error-codes/common-error-codes.md): Learn about the common error codes returned by Pine Labs Online APIs, along with their possible solutions.
- [List of Error Codes](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-error-codes/list-of-error-codes.md): Explore the list of error codes returned through Pine Labs Online APIs.
- [Webhook Retries](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-webhooks/retry-policy.md): Learn how we handle different webhook scenarios.
- [Available Events](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-webhooks/webhook-available-events.md): Webhook events available on Pine Labs Online.
- [Signature Verification](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools-webhooks/webhook-signature-verification.md): Learn how to ensure the webhook payload received is sent by Pine Labs Online.
- [Developer Tools](https://www.pinelabs.com/docs/online-payments/developer-tools/developer-tools.md): Everything you need to integrate, test, and debug Pine Labs payment APIs — webhooks, error codes, test cards, Postman collection, and network configuration.
- [IPs & Ciphers](https://www.pinelabs.com/docs/online-payments/developer-tools/ip-and-ciphers.md): List of Pine Labs Online IP addresses and the accepted ciphers.
- [Postman and OpenAPI Collection](https://www.pinelabs.com/docs/online-payments/developer-tools/postman-collections.md): Pine Labs Online APIs Postman and OpenAPI Collection

## SDKs & Plugins

- [E-commerce Payment Gateway Plugins](https://www.pinelabs.com/docs/online-payments/e-commerce-plugins.md): Learn about Pine Labs Online Plugins and how to instal the plugins on your e-commerce account.
- [OpenCart Payment Gateway Plugin](https://www.pinelabs.com/docs/online-payments/e-commerce-plugins/opencart.md): Connect your OpenCart store with the Pine Labs Online Payment Gateway Plugin to enable secure payments using UPI, cards, wallets, net banking, and EMI.
- [WooCommerce payment gateway plugin](https://www.pinelabs.com/docs/online-payments/e-commerce-plugins/woocommerce.md): Install the Pine Labs Online WooCommerce Payment Gateway Plugin to accept secure online payments with minimal setup. Support UPI, cards, wallets, EMI, and additional payment methods.
- [Apple Pay SDKs](https://www.pinelabs.com/docs/online-payments/international-payments/apple-pay/apple-pay-sdks.md): Learn how you can use our standalone SDKs to start accepting payments via Apple Pay.
- [SDKs (Web and Mobile) Integration Best Practices](https://www.pinelabs.com/docs/online-payments/sdks/integration-best-practices.md): Learn the best practices to follow before beginning with the SDK integration.
- [Mobile SDKs](https://www.pinelabs.com/docs/online-payments/sdks/mobile-sdks.md): Integrate Pine Labs Mobile SDKs for Android and iOS to deliver secure, app-native checkout flows with backend verification and webhook-backed reliability.
- [Android Mobile SDKs](https://www.pinelabs.com/docs/online-payments/sdks/mobile-sdks/android.md): Integrate Pine Labs payments into your mobile application using our Android Native SDK.
- [Mobile SDKs FAQs ](https://www.pinelabs.com/docs/online-payments/sdks/mobile-sdks/faqs.md): Find answers to common questions about the Pine Labs iOS SDK
- [Flutter Mobile SDKs](https://www.pinelabs.com/docs/online-payments/sdks/mobile-sdks/flutter.md): Integrate Pine Labs payments into your mobile application using our Flutter Native SDK.
- [iOS Mobile SDKs](https://www.pinelabs.com/docs/online-payments/sdks/mobile-sdks/ios.md): Integrate Pine Labs payments into your mobile application using our iOS Native SDK.
- [React Native Mobile SDK](https://www.pinelabs.com/docs/online-payments/sdks/mobile-sdks/react.md): Integrate Pine Labs payments into your mobile application using our React Native SDK.
- [SDKs](https://www.pinelabs.com/docs/online-payments/sdks/sdks.md): Overview of Pine Labs SDKs for web, mobile, and server integrations.
- [Server SDKs](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks.md): Integrate Pine Labs payments into your server-side applications.
- [.NET](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks/server-sdks-dotnet.md): Pine Labs Server SDK for .NET.
- [Go](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks/server-sdks-go.md): Pine Labs Server SDK for Go.
- [Java](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks/server-sdks-java.md): Pine Labs Server SDK for Java.
- [Node.js](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks/server-sdks-nodejs.md): Official TypeScript / Node.js SDK for the Pine Labs Online Payment Gateway — published on npm as pinelabs-node.
- [PHP](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks/server-sdks-php.md): Pine Labs Server SDK for PHP.
- [Python](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks/server-sdks-python.md): Pine Labs Server SDK for Python.
- [Ruby](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks/server-sdks-ruby.md): Pine Labs Server SDK for Ruby.
- [Server SDKs](https://www.pinelabs.com/docs/online-payments/sdks/server-sdks/server-sdks.md): Overview of Pine Labs Server SDKs.
- [Web SDKs FAQs](https://www.pinelabs.com/docs/online-payments/sdks/web-sdks/faqs.md): Pine Labs Web SDK questions for General and Flutter integrations, including setup, redirect URL handling, callback behavior, UPI intent flows, environment switching, and production-ready best practice
- [Flutter Web SDKs](https://www.pinelabs.com/docs/online-payments/sdks/web-sdks/flutter.md): Integrate Pine Labs payments into your web application using our Flutter Web SDK.
- [iOS Web SDKs](https://www.pinelabs.com/docs/online-payments/sdks/web-sdks/ios.md): Integrate Pine Labs payments into your web application using our iOS Web SDK.
- [React Native Web SDKs](https://www.pinelabs.com/docs/online-payments/sdks/web-sdks/react.md): Integrate Pine Labs payments into your web application using our React Web SDK.
- [Web SDKs](https://www.pinelabs.com/docs/online-payments/sdks/web-sdks/web-sdks.md): Integrate Pine Labs Web SDKs across React, Android, iOS, and Flutter with secure backend token generation, callback handling, and webhook-based payment verification.

## Other

- [Accept Payments via Payment Links](https://www.pinelabs.com/docs/online-payments/accept-payments-payment-links.md): Collect payments by sharing a link — no website, no code, no integration needed.
- [Accept Payments for a Startup](https://www.pinelabs.com/docs/online-payments/accept-payments-startup.md): Go from zero to accepting live payments in minutes — the fastest path for startups and new businesses on Pine Labs Online.
- [Accept Online Payments on a Website or Mobile App](https://www.pinelabs.com/docs/online-payments/accept-payments.md): Accept secure online payments using the Pine Labs Payment Gateway. Integrate with APIs, SDKs, Hosted Checkout, Custom Checkout, Payment Links, or e-commerce plugins to support Cards, UPI, Net Banking,
- [Affordability Suite](https://www.pinelabs.com/docs/online-payments/affordability-suite.md): Offer flexible EMI, cardless EMI, BNPL, and down payment options at checkout with Pine Labs Online Affordability Suite APIs.
- [Affordability Suite FAQs](https://www.pinelabs.com/docs/online-payments/affordability-suite/faqs.md): Frequently asked questions about Pine Labs Affordability Suite, offer validation, discounts, cashback, and refunds.
- [IMEI Validation](https://www.pinelabs.com/docs/online-payments/affordability-suite/imei-validation-section.md): Learn how you can validate the IMEI number using Pine Labs Online API.
- [Pine Labs CLI](https://www.pinelabs.com/docs/online-payments/cli.md): Official command-line interface for the Pine Labs Online platform. Create orders, listen for and replay webhooks, run deterministic API calls, and automate workflows from your shell or CI.
- [Common Use Cases — Overview](https://www.pinelabs.com/docs/online-payments/common-use-cases.md): Explore guided walkthroughs for the most common Pine Labs Online payment integration scenarios.
- [Fee Calculation](https://www.pinelabs.com/docs/online-payments/convenience-fees/convenience-fee-calculation.md): Learn about the convenience fee calculation logic.
- [Convenience Fee Integration Steps](https://www.pinelabs.com/docs/online-payments/convenience-fees/convenience-fees-integration-steps.md): Learn how you can integrate with Pine Labs Online APIs to start accepting payments including convenience fee.
- [Convenience Fees](https://www.pinelabs.com/docs/online-payments/convenience-fees/convenience-fees.md): Learn how you can collect convenience fees from your customers against an order.
- [Changelog](https://www.pinelabs.com/docs/online-payments/guides-reference/changelog.md): Everything we ship to the Pine Labs Online API and SDKs. Follow @pinelabs for live updates.
- [Glossary](https://www.pinelabs.com/docs/online-payments/guides-reference/glossary.md): A list of commonly used terms related to Pine Labs Online by Pine Labs Payments.
- [Go Live Checklist](https://www.pinelabs.com/docs/online-payments/guides-reference/go-live-checklist.md): Everything you need to verify before switching from sandbox to production.
- [Frequently Asked Questions](https://www.pinelabs.com/docs/online-payments/guides-reference/guides-faqs.md): Find answers to common questions across all Pine Labs Online products — checkout, settlements, subscriptions, MCP Server, and more.
- [Payment Gateway Integration Guide](https://www.pinelabs.com/docs/online-payments/integration-guide.md): Integrate Pine Labs payment gateway with this step-by-step guide. Covers API setup, checkout, webhooks, testing, and go-live.
- [Apple Pay Integration Steps](https://www.pinelabs.com/docs/online-payments/international-payments/apple-pay/apple-pay-integration-steps.md): Learn how you can integrate with Pine Labs Online APIs to start accepting payments on your website using the Apple Pay payment option.
- [Token Decryption](https://www.pinelabs.com/docs/online-payments/international-payments/apple-pay/apple-pay-token-decryption.md): Learn about the options available with Pine Labs Online for decrypting the payment token sent by Apple.
- [Apple Pay](https://www.pinelabs.com/docs/online-payments/international-payments/apple-pay/apple-pay.md): Accept Apple Pay payments from international customers using Pine Labs Online with token decryption, SDK integration, and seamless checkout.
- [How it Works](https://www.pinelabs.com/docs/online-payments/international-payments/apple-pay/payment-authorize.md): Understand how Apple Pay payment authorization works with Pine Labs.
- [DCC Integration Steps](https://www.pinelabs.com/docs/online-payments/international-payments/dcc/dcc-integration-steps.md): Learn how to integrate Dynamic Currency Conversion with Pine Labs Online APIs.
- [Dynamic Currency Conversion (DCC)](https://www.pinelabs.com/docs/online-payments/international-payments/dcc/dcc.md): Dynamic Currency Conversion allows international customers to pay in their home currency at checkout.
- [Accept international payments](https://www.pinelabs.com/docs/online-payments/international-payments/international-payments.md): Go global with Pine Labs Online by accepting international payments in local currencies through DCC and MCC, while also enabling Apple Pay transactions and Import Payments.
- [Integration Steps](https://www.pinelabs.com/docs/online-payments/international-payments/mcc/integration-steps.md): Integration Steps documentation.
- [Multi Currency Conversion (MCC)](https://www.pinelabs.com/docs/online-payments/international-payments/mcc/mcc.md): MCC documentation.
- [Cross Border import payments FAQs ](https://www.pinelabs.com/docs/online-payments/international-payments/pa-cb-import-payments/faqs.md): Find answers to common questions about Pine Labs Online cross-border import payments, including supported payment methods, international settlements, API integrations, currencies,
- [How Cross-Border Import Payments Works](https://www.pinelabs.com/docs/online-payments/international-payments/pa-cb-import-payments/how-it-works.md): End-to-end payment flow for cross-border import transactions — from checkout initiation to INR settlement.
- [Cross-Border Import Payments Integration Guide](https://www.pinelabs.com/docs/online-payments/international-payments/pa-cb-import-payments/integration-steps.md): Step-by-step technical guide to integrate Pine Labs PA-CB Import flow for accepting cross-border payments.
- [Cross-Border Use Cases](https://www.pinelabs.com/docs/online-payments/international-payments/pa-cb-import-payments/use-cases.md): Discover how businesses use cross-border import payments for supplier settlements, international trade, procurement, e-commerce, and global commerce operations.
- [Supported Currencies](https://www.pinelabs.com/docs/online-payments/international-payments/supported-currencies.md): The table below lists the currencies supported by Pine Labs Online for international payments.
- [Migrate to Pine Labs Payment Gateway](https://www.pinelabs.com/docs/online-payments/migrate-to-pinelabs.md): Step-by-step guide to migrating from another payment gateway to Pine Labs Online — with zero downtime and no customer disruption.
- [Bank Transfer / ECMS — Use Cases](https://www.pinelabs.com/docs/online-payments/more-payment-methods/bank-transfer-ecms/bank-transfer-ecms-use-cases.md): Industry scenarios and examples for Bank Transfer (ECMS) payments including government, automobile, B2B, education, and FMCG.
- [Bank Transfer / ECMS — Integration Steps](https://www.pinelabs.com/docs/online-payments/more-payment-methods/bank-transfer-ecms/payments-e-challan-integration-steps.md): Step-by-step guide to integrate Bank Transfer (ECMS) e-challan generation using Pine Labs Online APIs.
- [Pay by Points Integration Best Practices](https://www.pinelabs.com/docs/online-payments/more-payment-methods/pay-by-points/pay-by-points-integration-best-practices.md): Learn the best practices to follow before beginning with the Pay by Points integration.
- [Pay by Points — Integration Steps](https://www.pinelabs.com/docs/online-payments/more-payment-methods/pay-by-points/pay-by-points-integration-steps.md): Step-by-step guide to integrate Pay by Points via Seamless Checkout using Pine Labs Online APIs.
- [TPV Faqs](https://www.pinelabs.com/docs/online-payments/more-payment-methods/third-party-validation/faqs.md): Common questions and answers about ...
- [Third Party Validation — Supported Providers](https://www.pinelabs.com/docs/online-payments/more-payment-methods/third-party-validation/supported-banks.md): Banks supported for Third Party Validation (TPV) via NetBanking and UPI through Pine Labs Online.
- [TPV Integration Steps - Custom Checkout](https://www.pinelabs.com/docs/online-payments/more-payment-methods/third-party-validation/third-party-validations-integration-steps.md): Step-by-step guide to integrate Third Party Validation (TPV) via Custom Flow and Checkout Flow using Pine Labs Online APIs.
- [UPI One-Time Mandate FAQs](https://www.pinelabs.com/docs/online-payments/one-time-mandate/faqs.md): Frequently asked questions about UPI One-Time Mandate limits, validity, capture, release, cancellation, and customer authorization.
- [Integration Steps](https://www.pinelabs.com/docs/online-payments/one-time-mandate/integration-guide.md): Integrate UPI One-Time Mandate with OT direct-execution subscriptions, mandate registration, and presentation execution.
- [UPI One-Time Mandate Use Cases](https://www.pinelabs.com/docs/online-payments/one-time-mandate/use-cases.md): Use UPI One-Time Mandate for rentals, insurance, hotel bookings, groceries, home services, and high-demand allocations.
- [Customers Payment Lifecycle](https://www.pinelabs.com/docs/online-payments/payment-lifecycle/payment-lifecycle-customers.md): Create and manage customer profiles to enable tokenized card payments, repeat transactions, and a frictionless checkout experience.
- [Orders](https://www.pinelabs.com/docs/online-payments/payment-lifecycle/payment-lifecycle-orders.md): Use Pine Labs Online Orders API to create orders, manage pre-authorization, capture or cancel payments, and track order statuses through the payment lifecycle.
- [Payments](https://www.pinelabs.com/docs/online-payments/payment-lifecycle/payment-lifecycle-payments.md): Accept payments via cards, UPI, net banking, wallets, EMI, BNPL, and reward points using Pine Labs Online Payment APIs.
- [Manage Refunds](https://www.pinelabs.com/docs/online-payments/payment-lifecycle/payment-lifecycle-refunds.md): Process full or partial refunds for completed payments using Pine Labs Online Refunds API. Track refund statuses and manage the refund lifecycle.
- [Manage Settlements](https://www.pinelabs.com/docs/online-payments/payment-lifecycle/payment-lifecycle-settlements.md): Understand the Pine Labs Online settlement process — T+1, early batch, and same-day settlements. Track settlements via Dashboard or API.
- [Payment Lifecycle](https://www.pinelabs.com/docs/online-payments/payment-lifecycle/payment-lifecycle.md): Understand the complete payment lifecycle — from customer creation and order management to payment processing, refunds, settlements, and transaction enquiry.
- [Create a payment link through APIs](https://www.pinelabs.com/docs/online-payments/payment-links/create-a-payment-link-through-apis.md): Use the Payment Links API to generate a secure checkout URL, configure payment methods, set expiry, and send it to your customer automatically.
- [After you receive payment from a payment link](https://www.pinelabs.com/docs/online-payments/payment-links/payment-link-after-payment.md): Verify payment status, handle webhooks, process refunds, track settlements, and manage pre-authorized and part payments.
- [Customize Checkout for Payment Links](https://www.pinelabs.com/docs/online-payments/payment-links/payment-link-customize.md): Configure branding, payment methods, expiry, redirects, callbacks, and settlement behavior for Pine Labs Online Payment Link checkout flows.
- [Track a Payment Link](https://www.pinelabs.com/docs/online-payments/payment-links/payment-link-track.md): Monitor payment link status, track conversions, and manage active links using the Dashboard and API. Use merchant references for reconciliation.
- [Accept payments online without a website](https://www.pinelabs.com/docs/online-payments/payment-links/payment-links.md): Create a payment link and share it via SMS, email, or WhatsApp. Accept cards, UPI, net banking, wallets, EMI, and more — no code required.
- [Add payment methods to your account](https://www.pinelabs.com/docs/online-payments/payment-methods/add-payment-methods.md): Enable new payment methods for your Pine Labs Online merchant account — Cards, UPI, Net Banking, Wallets, EMI, and more.
- [Manage payment methods](https://www.pinelabs.com/docs/online-payments/payment-methods/manage-payment-methods.md): Configure, enable, disable, and prioritize payment methods for your Pine Labs Online merchant account.
- [Accept Pay By Points payments](https://www.pinelabs.com/docs/online-payments/payment-methods/pay-by-point.md): Let customers redeem reward points as payment with Pine Labs Online Pay By Points integration.
- [Payment Methods](https://www.pinelabs.com/docs/online-payments/payment-methods/payment-methods.md): Explore all payment methods supported by Pine Labs Online payments — Cards, UPI, Net Banking, Wallets, EMI, BNPL, Pay By Points, and International Payments.
- [Explore Pine Labs Online payment products](https://www.pinelabs.com/docs/online-payments/payment-products.md): Discover the full suite of Pine Labs Online payment products — subscriptions, affordability suite, international payments, payouts, split settlements, and convenience fees — to power every business mo
- [Set up payouts](https://www.pinelabs.com/docs/online-payments/payouts/payouts.md): Send instant payouts to bank accounts, UPI IDs, and wallets using the Pine Labs Online Payouts API with IMPS, NEFT, RTGS, and UPI transfer modes.
- [Quick Start Guide – Pine Labs Online Payment Gateway](https://www.pinelabs.com/docs/online-payments/quick-start-guide.md): Get started with Pine Labs Online Payments — create your account and explore common integration use cases.
- [Settlements](https://www.pinelabs.com/docs/online-payments/settlement.md): Learn about the Pine Labs Online settlement process and how to manage your settlements efficiently.
- [Holiday/Weekend Settlements](https://www.pinelabs.com/docs/online-payments/settlements/holiday-weekend-settlements.md): Learn about the Pine Labs Online Holiday/Weekend settlement process and how to manage your settlements efficiently.
- [Same Day Settlements](https://www.pinelabs.com/docs/online-payments/settlements/same-day-settlements.md): Learn about the Pine Labs Online Same Day settlement process and how to manage your settlements efficiently.
- [Settlement APIs](https://www.pinelabs.com/docs/online-payments/settlements/settlement-apis.md): Learn how you can manage your settlements using Pine Labs Online settlement APIs efficiently.
- [Settlement FAQs](https://www.pinelabs.com/docs/online-payments/settlements/settlement-faqs-api.md): Refer to frequently asked questions and answers about Settlements.
- [Set Up Subscriptions & Recurring Payments](https://www.pinelabs.com/docs/online-payments/setup-subscriptions-recurring.md): Automate billing cycles for SaaS, memberships, and services using Pine Labs Online subscriptions.
- [Split Settlements FAQs](https://www.pinelabs.com/docs/online-payments/split-settlements/split-settlements-faqs.md): Refer to frequently asked questions and answers about Split Settlements.
- [How it Works](https://www.pinelabs.com/docs/online-payments/split-settlements/split-settlements-workflow.md): Learn about the Pine Labs Online Split Settlement workflow.
- [Set up split settlements](https://www.pinelabs.com/docs/online-payments/split-settlements/split-settlements.md): Learn about Pine Labs Online Split Settlements and how you can manage using Pine Labs Online APIs.
- [Design an Integration](https://www.pinelabs.com/docs/online-payments/subscriptions/design-an-integration.md): Plan your subscription integration architecture
- [Understand the subscription lifecycle](https://www.pinelabs.com/docs/online-payments/subscriptions/how-subscriptions-work.md): Learn how Pine Labs Online subscriptions transition through plan creation, mandate registration, pre-debit notifications, auto-debit execution, and terminal states.
- [Subscription](https://www.pinelabs.com/docs/online-payments/subscriptions/subscriptions.md): Automate recurring billing with Pine Labs Online Subscriptions — create plans, register UPI AutoPay mandates, and collect payments on schedule with zero manual effort.
- [Tokenization](https://www.pinelabs.com/docs/online-payments/tokenization.md): Learn how you can integrate with Pine Labs Online Token APIs to start accepting payments on your website without card details.

## API Reference

### [Authentication](https://www.pinelabs.com/docs/online-payments/api/authentication.md)

- [Generate Token](https://www.pinelabs.com/docs/online-payments/api/authentication/generate-token.md): Authenticate your integration by generating a Bearer access token using client credentials. Required for all API calls.

### [Orders](https://www.pinelabs.com/docs/online-payments/api/orders.md)

- [Get Order by Order ID](https://www.pinelabs.com/docs/online-payments/api/orders/get-order-by-id.md): Fetch complete payment order details including status, amount, and transaction history using the order ID.
- [Get Order by Merchant Reference](https://www.pinelabs.com/docs/online-payments/api/orders/get-order-by-merchant-reference.md): Look up payment order details using your merchant order reference. Ideal for reconciliation and back-office integration.
- [Capture Order](https://www.pinelabs.com/docs/online-payments/api/orders/capture-order.md): Capture an authorized payment to initiate settlement. Supports full or partial capture for pre-auth transactions.
- [Cancel Order](https://www.pinelabs.com/docs/online-payments/api/orders/cancel-order.md): Cancel a pre-authorized payment order to release the held amount back to the customer before capture.
- [Create Order](https://www.pinelabs.com/docs/online-payments/api/orders/create-order.md): Create a payment order specifying amount, currency, and customer details. First step in accepting online payments.

### [Refunds](https://www.pinelabs.com/docs/online-payments/api/refunds.md)

- [Create Refund](https://www.pinelabs.com/docs/online-payments/api/refunds/create-refund.md): Initiate a full or partial refund on a completed payment. Supports idempotent requests to prevent duplicate refunds.

### [Settlements](https://www.pinelabs.com/docs/online-payments/api/settlements.md)

- [Get All Settlements](https://www.pinelabs.com/docs/online-payments/api/settlements/get-all-settlements.md): Retrieve your settlement reports with filters for date range, status, and amount. Simplify payout reconciliation.
- [Get Settlements by UTR](https://www.pinelabs.com/docs/online-payments/api/settlements/get-settlements-by-utr.md): Look up settlement details by UTR number to match bank credits with payouts for reconciliation.

### [Split Settlements](https://www.pinelabs.com/docs/online-payments/api/split-settlements.md)

- [Release Settlement](https://www.pinelabs.com/docs/online-payments/api/split-settlements/release-settlement.md): Release held funds to sub-merchants or vendors in marketplace and split-settlement payment flows.
- [Cancel Settlement](https://www.pinelabs.com/docs/online-payments/api/split-settlements/cancel-settlement.md): Cancel a pending split settlement before funds are released. Amount returns to the primary merchant balance.

### [Affordability Suite](https://www.pinelabs.com/docs/online-payments/api/affordability-suite.md)

- [Offer Discovery](https://www.pinelabs.com/docs/online-payments/api/affordability-suite/create-offer-discovery.md): Fetch available EMI plans, no-cost EMI, and bank offers for a card BIN and amount. Display offers at checkout.
- [Offer Discovery V2](https://www.pinelabs.com/docs/online-payments/api/affordability-suite/create-offer-discovery-v2.md): Discover available EMI plans, no-cost EMI, bank offers, and UPI offers for a card BIN and amount. V2 returns entity-based response.
- [Cardless Offer Discovery](https://www.pinelabs.com/docs/online-payments/api/affordability-suite/create-cardless-offer-discovery.md): Discover cardless EMI and BNPL offers available to customers without requiring card details upfront.
- [Down Payment Details](https://www.pinelabs.com/docs/online-payments/api/affordability-suite/create-down-payment-details.md): Submit down payment information for EMI transactions requiring an advance partial payment from the customer.
- [Offer Validation](https://www.pinelabs.com/docs/online-payments/api/affordability-suite/offer-validation-create.md): Validate a customer-selected EMI or bank offer before processing payment. Confirms eligibility and final terms.
- [IMEI Validation](https://www.pinelabs.com/docs/online-payments/api/affordability-suite/create-imeivalidation.md): Validate a device IMEI number to confirm eligibility for brand EMI and device-specific financing offers.

### [Card Payments](https://www.pinelabs.com/docs/online-payments/api/card-payments.md)

- [Create Payment](https://www.pinelabs.com/docs/online-payments/api/card-payments/create-payment.md): Process payments via cards, UPI, net banking, wallets, or EMI. Single unified API for all payment methods.
- [Generate OTP](https://www.pinelabs.com/docs/online-payments/api/card-payments/generate-otp.md): Trigger a one-time password for additional cardholder verification during the payment authentication flow.
- [Get Card Details](https://www.pinelabs.com/docs/online-payments/api/card-payments/get-card-details.md): Retrieve card metadata—type, issuer bank, and network—from a BIN to tailor the checkout experience.
- [Submit OTP](https://www.pinelabs.com/docs/online-payments/api/card-payments/submit-otp.md): Submit the OTP entered by the customer to authenticate and complete the in-progress payment transaction.
- [Resend OTP](https://www.pinelabs.com/docs/online-payments/api/card-payments/resend-otp.md): Resend a fresh OTP to the customer's registered mobile number if the original was not received or expired.
- [Decoupled Authorization](https://www.pinelabs.com/docs/online-payments/api/card-payments/decoupled-auth-z.md): Perform decoupled authorization of an already authenticated transaction

### [E Challans](https://www.pinelabs.com/docs/online-payments/api/e-challans.md)

- [Create Challan](https://www.pinelabs.com/docs/online-payments/api/e-challans/create-challan.md): Generate an electronic challan for government or institutional fee collection via the payment gateway.
- [Get Challan](https://www.pinelabs.com/docs/online-payments/api/e-challans/get-challan.md): Retrieve challan details and payment status by challan ID for tracking and reconciliation.
- [Get Challan PDF](https://www.pinelabs.com/docs/online-payments/api/e-challans/get-challan-pdf.md): Download the challan receipt as a PDF for printing, record-keeping, or sharing with the payer.

### [Apple Pay](https://www.pinelabs.com/docs/online-payments/api/apple-pay.md)

- [Authorize Apple Pay Payment](https://www.pinelabs.com/docs/online-payments/api/apple-pay/authorize-apple-pay-payment.md): Accept Apple Pay on your app or website by submitting the encrypted payment token for authorization.

### [International Payments](https://www.pinelabs.com/docs/online-payments/api/international-payments.md)

- [Currency Conversion (MCC)](https://www.pinelabs.com/docs/online-payments/api/international-payments/currency-conversion.md): Convert transaction amounts between currencies at real-time exchange rates for cross-border payment processing.
- [Compute TCS](https://www.pinelabs.com/docs/online-payments/api/international-payments/compute-tcs.md): Calculate Tax Collected at Source for LRS remittance transactions as mandated by RBI for cross-border payments.
- [Capture Invoice](https://www.pinelabs.com/docs/online-payments/api/international-payments/capture-invoice.md): Record invoice metadata (number, date, supplier) for a cross-border order. Returns an invoice ID for file upload.
- [Get Invoice Status](https://www.pinelabs.com/docs/online-payments/api/international-payments/get-invoice-status.md): Check the current status of a cross-border invoice—captured, uploaded, or rejected—by invoice or order ID.
- [Upload Invoice File](https://www.pinelabs.com/docs/online-payments/api/international-payments/upload-invoice-file.md): Upload a PDF, JPEG, or PNG invoice document (max 5 MB) for a cross-border order to complete compliance.
- [Create AWB (Bulk)](https://www.pinelabs.com/docs/online-payments/api/international-payments/create-awb.md): Submit up to 5 Air Waybill records per request for cross-border orders. Captures AWB number, date, and tracking URL.
- [Get All AWBs](https://www.pinelabs.com/docs/online-payments/api/international-payments/get-all-awbs.md): List all Air Waybill records and their current statuses for a specific cross-border payment order.
- [Get AWB by ID](https://www.pinelabs.com/docs/online-payments/api/international-payments/get-awb-by-id.md): Retrieve details and status of a single Air Waybill record using the AWB identifier.
- [Upload AWB File](https://www.pinelabs.com/docs/online-payments/api/international-payments/upload-awb-file.md): Upload a PDF, JPEG, or PNG Air Waybill document (max 5 MB) to complete cross-border shipping compliance.

### [Bnpl](https://www.pinelabs.com/docs/online-payments/api/bnpl.md)

- [Check BNPL Eligibility](https://www.pinelabs.com/docs/online-payments/api/bnpl/check-bnpleligibility.md): Verify if a customer qualifies for Buy Now Pay Later based on their mobile number and selected BNPL provider.

### [Payment Option](https://www.pinelabs.com/docs/online-payments/api/payment-option.md)

- [Verify VPA](https://www.pinelabs.com/docs/online-payments/api/payment-option/get-payment-option.md): Verify a customer's UPI VPA details or check reward points balance.

### [Convenience Fee](https://www.pinelabs.com/docs/online-payments/api/convenience-fee.md)

- [Calculate Convenience Fee](https://www.pinelabs.com/docs/online-payments/api/convenience-fee/calculate-convenience-fee.md): Compute the applicable convenience or surcharge fee for a given payment method and transaction amount.

### [Checkout](https://www.pinelabs.com/docs/online-payments/api/checkout.md)

- [Generate Checkout Link](https://www.pinelabs.com/docs/online-payments/api/checkout/generate-checkout-link.md): Create a hosted checkout page URL to accept payments without building a custom payment frontend.

### [Payment Links](https://www.pinelabs.com/docs/online-payments/api/payment-links.md)

- [Create Payment Link](https://www.pinelabs.com/docs/online-payments/api/payment-links/create-payment-link.md): Generate a shareable payment link to collect payments via SMS, email, WhatsApp, or any messaging channel.
- [Get Payment Link by ID](https://www.pinelabs.com/docs/online-payments/api/payment-links/get-payment-link-by-id.md): Retrieve payment link details—status, amount, expiry, and payment history—using the payment link ID.
- [Get Payment Link by Merchant Reference](https://www.pinelabs.com/docs/online-payments/api/payment-links/get-payment-link-by-merchant-reference.md): Look up a payment link using your merchant reference for order mapping and back-office reconciliation.
- [Cancel Payment Link](https://www.pinelabs.com/docs/online-payments/api/payment-links/cancel-payment-link.md): Deactivate an active payment link so it can no longer accept payments. This action is irreversible.
- [Resend Payment Link Notification](https://www.pinelabs.com/docs/online-payments/api/payment-links/resend-payment-link-notification.md): Re-send the payment link notification to the customer via SMS or email as a reminder to complete payment.

### [Customers](https://www.pinelabs.com/docs/online-payments/api/customers.md)

- [Create Customer](https://www.pinelabs.com/docs/online-payments/api/customers/create-customer.md): Register a customer profile with contact and identity details for tokenization, subscriptions, and saved payments.
- [Get Customer Details](https://www.pinelabs.com/docs/online-payments/api/customers/get-customer-details.md): Search for a customer profile by mobile number or email to retrieve their details and linked tokens.
- [Update Customer](https://www.pinelabs.com/docs/online-payments/api/customers/update-customer.md): Update a customer's profile information such as name, email, or mobile number in the system.
- [Get Customer by ID](https://www.pinelabs.com/docs/online-payments/api/customers/get-customer-by-id.md): Retrieve a customer's full profile—contact details, tokens, and metadata—using their unique customer ID.

### [Tokenization](https://www.pinelabs.com/docs/online-payments/api/tokenization.md)

- [Generate Card Token](https://www.pinelabs.com/docs/online-payments/api/tokenization/generate-card-token.md): Tokenize a customer's card for secure, compliant storage enabling one-click future payments per RBI guidelines.
- [Get Service Provider Token](https://www.pinelabs.com/docs/online-payments/api/tokenization/get-service-provider-token.md): Retrieve the network service provider token and metadata for a previously tokenized card.
- [Generate Cryptogram](https://www.pinelabs.com/docs/online-payments/api/tokenization/generate-cryptogram.md): Generate a transaction-specific cryptogram from a stored token to process a tokenized card payment securely.
- [Delete Token by Token ID](https://www.pinelabs.com/docs/online-payments/api/tokenization/delete-token-by-token-id.md): Permanently delete a stored card token when the customer or merchant no longer needs the saved card.
- [Get Customer Tokens](https://www.pinelabs.com/docs/online-payments/api/tokenization/get-customer-tokens-by-customer-id.md): List all saved card tokens for a customer to display saved payment methods at checkout.
- [Get Customer Token by Token ID](https://www.pinelabs.com/docs/online-payments/api/tokenization/get-customer-token-by-token-id.md): Fetch details of a specific saved card token including masked card number, network, and expiry.
- [Delete Customer Token](https://www.pinelabs.com/docs/online-payments/api/tokenization/delete-customer-token.md): Remove a customer's saved card token so it no longer appears as a payment option at checkout.

### [Payouts](https://www.pinelabs.com/docs/online-payments/api/payouts.md)

- [Create Payout](https://www.pinelabs.com/docs/online-payments/api/payouts/create-payout.md): Transfer funds to any bank account via IMPS, NEFT, or RTGS. Supports instant and scheduled payouts.
- [Get Payouts](https://www.pinelabs.com/docs/online-payments/api/payouts/list-payouts.md): List and filter your payout transactions by status, date range, and mode for tracking and reconciliation.
- [Get Account Balance](https://www.pinelabs.com/docs/online-payments/api/payouts/get-payout-balance.md): Check your current payout account balance to confirm available funds before initiating transfers.
- [Create Bulk Payouts](https://www.pinelabs.com/docs/online-payments/api/payouts/create-bulk-payout.md): Process multiple payouts in a single API call for batch salary disbursements, vendor payments, or refunds.
- [Update Scheduled Payout](https://www.pinelabs.com/docs/online-payments/api/payouts/update-scheduled-payout.md): Modify a scheduled payout's amount, beneficiary, or execution date before it is processed.
- [Cancel Scheduled Payout](https://www.pinelabs.com/docs/online-payments/api/payouts/cancel-scheduled-payout.md): Cancel a payout scheduled for future execution. The funds remain available in your payout account.

### [Subscriptions Plans](https://www.pinelabs.com/docs/online-payments/api/subscriptions-plans.md)

- [Create Plan](https://www.pinelabs.com/docs/online-payments/api/subscriptions-plans/create-plan.md): Define a subscription plan with billing frequency, amount, and duration to enable recurring payments.
- [Get Plans](https://www.pinelabs.com/docs/online-payments/api/subscriptions-plans/list-plans.md): List all subscription plans with optional filters for status and type. Supports pagination for large catalogs.
- [Get Plan by ID](https://www.pinelabs.com/docs/online-payments/api/subscriptions-plans/get-plan-by-id.md): Retrieve full details of a subscription plan including billing rules, amount, and active subscription count.
- [Update Plan](https://www.pinelabs.com/docs/online-payments/api/subscriptions-plans/update-plan.md): Update a subscription plan's name, description, or metadata. Active subscriptions follow the updated plan.
- [Delete Plan](https://www.pinelabs.com/docs/online-payments/api/subscriptions-plans/delete-plan.md): Delete a subscription plan that has no active subscriptions. Deleted plans cannot be recovered.
- [Get Plan by Merchant Reference](https://www.pinelabs.com/docs/online-payments/api/subscriptions-plans/get-plan-by-merchant-reference.md): Look up a subscription plan using your own merchant plan reference for system integration and mapping.

### [Subscriptions Subscriptions](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions.md)

- [Create Subscription](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions/create-subscription.md): Enroll a customer in a recurring payment subscription with auto-debit mandate registration.
- [Get Subscriptions](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions/list-subscriptions.md): List subscriptions with filters for status, plan, and customer. Track active, paused, and cancelled mandates.
- [Get Subscription by ID](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions/get-subscription-by-id.md): Retrieve a subscription's full details—status, plan, next billing date, and payment history.
- [Update Subscription](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions/update-subscription.md): Modify an active subscription's amount or billing parameters within the mandate-approved limits.
- [Get Subscription by Merchant Reference](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions/get-subscription-by-merchant-reference.md): Look up a subscription using your merchant reference for back-office reconciliation and CRM integration.
- [Cancel Subscription](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions/cancel-subscription.md): Permanently cancel a subscription to stop all future recurring debits. The underlying mandate is revoked.
- [Pause Subscription](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions/pause-subscription.md): Temporarily pause a subscription to skip billing cycles. Resume anytime to restart recurring charges.
- [Resume Subscription](https://www.pinelabs.com/docs/online-payments/api/subscriptions-subscriptions/resume-subscription.md): Reactivate a paused subscription to resume scheduled recurring billing from the next cycle.

### [Subscriptions Presentations](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations.md)

- [Create Presentation](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations/create-presentation.md): Submit a debit request against an active subscription mandate for the current or upcoming billing cycle.
- [Get Presentations by Subscription](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations/list-presentations-by-subscription.md): List all debit presentations for a subscription with execution status, amounts, and timestamps.
- [Get Presentation](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations/get-presentation-by-id.md): Retrieve a presentation's execution status, debit amount, and failure reason (if applicable) by ID.
- [Delete Presentation](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations/delete-presentation.md): Cancel a pending debit presentation before it is executed to prevent the upcoming charge.
- [Get Presentation by Merchant Reference](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations/get-presentation-by-merchant-reference.md): Look up a debit presentation using your merchant reference for reconciliation with your billing system.
- [Subscription Notification](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations/send-subscription-notification.md): Send a pre-debit notification (PDN) to the customer before executing a mandate debit, as required by NPCI.
- [Create Debit](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations/create-debit.md): Execute the actual mandate debit to collect payment for a previously notified subscription presentation.
- [Create Merchant Retry](https://www.pinelabs.com/docs/online-payments/api/subscriptions-presentations/create-merchant-retry.md): Retry a failed subscription debit when the original attempt was declined due to insufficient funds or other reasons.

### [Upi Reserve Pay](https://www.pinelabs.com/docs/online-payments/api/upi-reserve-pay.md)

- [Create subscription with SBMD enabled](https://www.pinelabs.com/docs/online-payments/api/upi-reserve-pay/create-sbmd-subscription.md)
- [Get subscription details for SBMD enabled subscription](https://www.pinelabs.com/docs/online-payments/api/upi-reserve-pay/fetch-sbmd-subscription-by-id.md)
- [Create Presentation](https://www.pinelabs.com/docs/online-payments/api/upi-reserve-pay/create-reserve-pay-debit.md): Submit a debit request against an active subscription mandate for the current or upcoming billing cycle.

### [Brand Wallet](https://www.pinelabs.com/docs/online-payments/api/brand-wallet.md)

- [Create Brand Wallet](https://www.pinelabs.com/docs/online-payments/api/brand-wallet/create-brand-wallet.md): Create brand wallets for one or more customers. First step in the Brand Wallet onboarding flow.
- [Validate Brand Wallet](https://www.pinelabs.com/docs/online-payments/api/brand-wallet/validate-brand-wallet.md): Validate whether a customer's brand wallet can cover a payment of the given amount before creating an order.
- [Check Brand Wallet Balance](https://www.pinelabs.com/docs/online-payments/api/brand-wallet/get-brand-wallet-balance.md): Retrieve the current balance and bucket breakdown of a customer's brand wallet.
- [Activate Brand Wallet](https://www.pinelabs.com/docs/online-payments/api/brand-wallet/activate-brand-wallet.md): Activate a previously created or deactivated brand wallet so it can be used for transactions.
- [Deactivate Brand Wallet](https://www.pinelabs.com/docs/online-payments/api/brand-wallet/deactivate-brand-wallet.md): Deactivate a customer's brand wallet to prevent further transactions.
- [Reset Brand Wallet PIN](https://www.pinelabs.com/docs/online-payments/api/brand-wallet/reset-brand-wallet-pin.md): Reset the PIN for a customer's brand wallet when it is locked or forgotten.
- [Load Brand Wallet](https://www.pinelabs.com/docs/online-payments/api/brand-wallet/load-brand-wallet.md): Load a specified amount into a customer's brand wallet directly.
- [Brand Wallet Transaction History](https://www.pinelabs.com/docs/online-payments/api/brand-wallet/get-brand-wallet-history.md): Retrieve wallet transaction history for a customer with optional filters by date range, page, and transaction type.

### [Brand Wallet Payments](https://www.pinelabs.com/docs/online-payments/api/brand-wallet-payments.md)

- [Add Money to Brand Wallet](https://www.pinelabs.com/docs/online-payments/api/brand-wallet-payments/add-money-to-brand-wallet.md): Add money to a customer's brand wallet via gift card or cash (UPI payment).

## AI Tools

- **MCP Server**: Model Context Protocol server for AI assistants (Claude, Cursor, VS Code) to call Pine Labs APIs directly
- **Agent Toolkit**: npm package @plural_pinelabs/agent-toolkit for OpenAI, LangChain, Vercel AI SDK integration
- **P3P Protocol**: Pine Labs Payments Protocol for agentic commerce workflows
- **n8n Node**: Pre-built automation workflows for Pine Labs payment operations

## Links
- OpenAPI Spec: https://www.pinelabs.com/docs/online-payments/openapi.yaml
- Sitemap: https://www.pinelabs.com/docs/online-payments/sitemap.xml