Payment Flow


Please find below the overview of AI Router's payment journey: 

  1. User adds the item to the merchant's app / website and proceeds to checkout.
  2. To start the payment journey, merchants need to initiate the transaction by calling AI Router’s Create Order API
  3. AI Router internally creates an order in the system and returns a transaction token back to the merchant. This token and order ID is subsequently used in transaction processing.
  4. Merchant calls the Fetch Payment Options API of AI Router to populate the cashier page with merchant-configured payment options.
  5. AI Router returns the Payment options configured against the merchant and the cashier page is displayed to the user
  6. User selects a payment option to complete their transaction. Accordingly, AI Router’s transactional APIs are called to complete the users' payment journey depending on the chosen payment option.  
  7. Once the user clicks on Pay CTA, the Payment API of the AI Router is called.
  8. Router selects a Payment Gateway from the list of configured PAs / PGs to route the transaction.
  9. The selected gateway processes the transaction and returns the status back to AI Router
  10. Merchant can integrate AI Router’s Order Status API to check the status corresponding to a particular order. Upon calling the Order Status API, AI Router will return the final payment status back to the merchant. 
  11. Alternatively, merchants can also configure AI Router’s Payment Webhook URL to get the updated payment status in real-time via server-to-server (S2S) response.


Please find below the detailed payment journey for all the available payment flows: 

Paytm Instruments 


New Card

Saved Card


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