Payment Lifecycle
Understand the complete payment lifecycle — from customer creation and order management to payment processing, refunds, settlements, and transaction enquiry.
The Pine Labs Online Payment Gateway provides a complete set of APIs to help you securely accept, process, manage, and reconcile online payments. From creating an order to receiving settlements, every stage of the payment journey is supported through a unified set of APIs and developer tools.
This section explains the complete payment lifecycle and the APIs required at each stage to build a reliable online payment experience.
Payment Overview
A typical payment lifecycle consists of the following stages:
- Geberate Token – Generate a Token using client_id and client_secret.
- Create an Order – Generate an order before initiating a payment.
- Initiate Payment – Create a payment request using the Order ID.
- Customer Authentication – Redirect the customer to the secure Pine Labs Checkout using the
challenge_url. - Payment Processing – The customer completes the payment using their preferred payment method.
- Payment Confirmation – Verify the payment status using Webhooks or the Payment Status API.
- Post-Payment Actions – Process refunds, settlements, and transaction enquiries as required.
Supported Payment Methods
Pine Labs Online Payments supports multiple payment methods through a single integration.
- 💳 Credit & Debit Cards
- 📱 UPI
- 👛 Digital Wallets
- 🏦 Net Banking
- 💰 EMI & Cardless EMI
- 🛍️ Buy Now, Pay Later (BNPL)
- 🎁 Pay by Points / Loyalty Rewards
- 🌍 International Payments
Available Payment APIs
Use the following APIs to manage the complete payment lifecycle.
| API | Purpose |
|---|---|
| Create Order | Create an order before initiating a payment. |
| Create Payment | Initiate a payment for an existing order. |
| Order Status | Retrieve the latest Order status. |
| Refund API | Initiate full or partial refunds. |
| Transaction Enquiry | Retrieve transaction details. |
| Settlement APIs | Track and reconcile settlements. |
Create a Payment
Before creating a payment, you must first create an order.
Use the Create Payment API to initiate a payment against the Order ID. The API response returns a challenge_url, which should be used to redirect the customer to the secure Pine Labs Checkout page to complete the payment.
After the customer completes authentication, verify the Order status using Webhooks or the Get Order Status API before fulfilling the order.
Custom Checkout Flow
Build your own payment UI with full control over the checkout experience using Pine Labs APIs.
→ Generate Token→ Create Order
→ Create Payment
→ Get Order
→ Create Refund
Hosted Checkout Flow
Use Pine Labs hosted checkout for faster setup — no UI to build, payment page handled by Pine Labs.
→ Generate Token→ Create Order
→ Get Order
→ Create Refund
What's Next?
Continue exploring the remaining stages of the payment lifecycle:
- Refunds – Issue full or partial refunds.
- Settlements – Track merchant settlements and reconciliation.
- Transaction Enquiry – Retrieve transaction and payment details.
- Webhooks – Receive real-time payment event notifications.