POSTProcess Transaction API

Use Case

It is used to process the transaction with respect to paymentMode provided by merchant in the request. We either return bank form for paymentMode like NET_BANKING, CREDIT_CARD, DEBIT_CARD or provide the result of payment in case of paymentMode like BALANCE, PAYTM_DIGITAL_CREDIT and Decoupled flow transaction (Authorization only) etc.

Request Attributes

Content Type : JSON

Head

Attribute	Description
version string optional	Version of the API. Example: v1
requestTimestamp string optional	EPOCH timestamp of the time at which request is being sent. Example: 1588402269
channelId string optional	The parameter value identifies the Channel for which API call is initiated. Possible values: WEB For websites, the value to be passed should be "WEB" , WAP For Mobile websites/App, the value to be passed should be "WAP"
txnToken string mandatory	This is the unique transaction token received in the response of Initiate Transaction API or Initiate Subscription API. It is valid for 15 minutes. Example:f0bed899539742309eebd8XXXX7edcf61588842333227

Body

Attribute

Description

mid

string

mandatory

Paytm provides MID as a unique identifier to each merchant. For your staging MID, click here. You get the production MID post the account activation.

Example: INTEGR7769XXXXXX9383

orderId

string

mandatory

It is unique reference ID for a transaction passed in Initiate Transaction API or Initiate Subscription API.

Example: OREDRID_98765

paymentMode

string

mandatory

The payment mode used by customer for transaction.

Possible values:

BALANCE

For Paytm Wallet

PAYTM_DIGITAL_CREDIT

For Paytm Postpaid

UPI

For Bhim Upi

UPI_INTENT

For Upi Intent

CREDIT_CARD

For Credit Card

DEBIT_CARD

For Debit Card

NET_BANKING

For Net Banking

EMI

For emi options

cardInfo

string

optional

It contains the details of the saved and new card in the format below:
cardInfo: saveCardId|cardNo|cvv|expDate.

Possible Values:
For New Card - |4111111111111111|123|122032
For Token Card - 123123||123|
For Token Card of non-Paytm TG- ||111|

authMode

string

optional

Authentication mode for cards

Possible values:

otp

For Mobile OTP

For ATM PIN

channelCode

string

optional

BankCode (only in NET_BANKING)

Possible Values: PYTM, SBI, ICICI, HDFC, Refer here for other bank codes

paymentFlow

string

optional

Define the payment flow applied on merchant.

Possible values:

NONE

For Default

ADDANDPAY

For Add and Pay

HYBRID

For Hybrid

payerAccount

string

optional

VPA, this is needed for a UPI transaction.

Example: 7777777777@paytm

planId

string

optional

This is the plan chosen for EMI, Input could be: BankCode|Month.

Example: ICICI|3

requestType

string

mandatory

Request type

Possible Values: NATIVE

walletType

string

optional

Only required for Intelligent Router when paymentMode is WALLET.

Possible Values: PAYTMPG

emiType

string

conditional

Mandatory, in case of transaction for Debit card EMI

Possible Values: DEBIT_CARD, CREDIT_CARD

preferredOtpPage

string

optional

Possible Values: bank, merchant
bank - If merchant desires that authentication takes place on bank page
merchant - If merchant desires that authentication takes merchant or Paytm hosted OTP page

In case the merchant chooses to authenticate on the merchant page and Paytm cannot honour the request then Paytm will fail the transaction.

coftConsent

object

optional

Consent to tokenize the instrument or not.

Possible values: 1 , 0

coftConsent

Attribute	Description
userConsent boolean mandatory	Tokenisation consent from the user in a boolean expression.Sample Value: (1,0)
createdAt string mandatory	Timestamp when user consented for tokenization was captured Sample Value: Jul 22, 2021 02:46:54 PM
userConsentId string optional	The ID of the message displayed to the user for consent
language string optional	Language in which consent was accepted by end customer Language in which consent was accepted by end customer Sample Value: en en
platform string optional	PHONE, TABLET, PC, WATCH, OTHER,APP Sample Value: APP
os string optional	The OS on which consent was given by the user such as Android, IOS, Windows, Web, Others Sample Value:androidapp
appVersion string optional	App version of merchant or Paytm on which consent was collected Sample Value: 9.10.2
locale string optional	Location of application communicating to cardholder sample value. en-IN
ip string optional	IP address of the device that accepted the consent Sample Value: 157.35.79.240
deviceId string optional	Device ID of the device that accepted the consent Sample Value : samsung-SM-A260G-01b9ec5dc11fc570
deviceName string optional	Device Name of the device that accepted the consent Sample Value: SM-A260G\

cardTokenInfo

object

optional

Token data required to process a token transaction.

cardTokenInfo

Attribute	Description
cardToken string mandatory	16 digits Token PAN
tokenExpiry string mandatory	Token expiry. Format: MMYYYY
TAVV string mandatory	Token Verification Value generated by the network valid for a single token card payment Note: This param is not required for Diners saved card payments
cardSuffix string mandatory	Last 4 digits of the actual card.
panUniqueReference string mandatory	The unique reference allocated to the Primary Account Number by the card network also known as PAR. Note: Merchant can pass unique card identifier of their ecosystem if Network PAR is not available.
tokenUniqueReference string conditional	Token reference number is provided by the card or issuer for a given tokenization request. This param is mandatory to process Diner Card Tokens Possible Value: Any
merchantTokenRequestorId string conditional	Merchant's token requestor id provided by the Network or issuer This param is mandatory to process Diner Card Tokens Possible Value: Any
tokenType string mandatory	This parameter indicates whether the card transaction is a saved card transaction or a guest checkout transaction. Possible Values: COFT/ALTERNATE

mobileNumber

string

conditional

Merchant should take mobile number from user for checking the Debit Card EMI eligibility

eci

string

mandatory

Electronic Commerce Indicator (ECI) is a value returned by the Directory Servers (Visa, Master, American Express...) indicating the result of the authentication requested.

This is required only for Decoupled flow (Authorization Only) transactions

Example:
05, 02

acsAuthenticationToken

string

mandatory

This is generated by the issuer's Access Control Server. This provides evidence that cardholder authentication occurred or that the merchant attempted authentication.

This is required only for Decoupled flow (Authorization Only) transactions

Example: AAIBB0CCAwAABK9qNWMIdAAAAAA=,

dsReferenceNumber

string

optional

This is a unique transaction identifier assigned by the Directory Servers to identify a single transaction. The Directory Server is the element that enables the communication between the 3DS Server and the ACS.

This is required only for Decoupled flow (Authorization Only) transactions

Example:

f6039c96-63a3-4891-9581-d7f2832c5585

acsTransactionId

string

optional

This is a unique transaction identifier assigned by the ACS to identify a single transaction.

This is required only for Decoupled flow (Authorization Only) transactions

Example: 5e46213d-06e0-11ef-9e6c-8f7fc88d7e73

secureVersion3D

string

optional

3-D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions.

This is required only for Decoupled flow (Authorization Only) transactions

Example:

2.1.0, 2.2.0

Example of sample inputs based on different paymentMode

Card transaction (without saved card):
paymentMode: DEBIT_CARD ( CREDIT_CARD or DEBIT_CARD as per the card )
cardInfo: |4111111111111111|123|092017
storeInstrument: 1
Card transaction (with saved card):
paymentMode: CREDIT_CARD (CREDIT_CARD or DEBIT_CARD as per the card )
cardInfo: 123456||123|
Card transaction (with auth mode option):
paymentMode: DEBIT_CARD (CREDIT_CARD or DEBIT_CARD as per the card )
cardInfo: |4111111111111111|123|092017
storeInstrument: 1
authMode: atm (atm and otp in case of user selected option)
Net banking transaction:
paymentMode: NET_BANKING
channelCode : PYTM, SBI, ICICI, HDFC, Refer here for other bank codes
Paytm wallet transaction:
paymentMode: BALANCE

For intelligent router, please use below:
paymentMode: WALLET
walletType: PAYTMPG
UPI Payment Transaction:
paymentMode: UPI
channelCode : collect
payerAccount: abcdefgh@paytm
Paytm Payments Bank
paymentMode: PPBL
Add and Pay with Cards
paymentMode: DEBIT_CARD (CREDIT_CARD or DEBIT_CARD as per the card )
cardInfo: |4111111111111111|123|092017
paymentFlow: ADDANDPAY

Response Attributes

Content Type : JSON

Head

Attribute	Description
version string	Version of the API passed in the request. Example: v1
responseTimestamp string	EPOCH timestamp of the time at which response is being sent. Example: 1588402269

Body

Attribute

Description

resultInfo

object

This parameter gives the information about the result of the API response

ResultInfo

Attribute	Description
resultCode string	This is the resultCode corresponding to a particular message and is returned to the merchant. It's maximum length is 64. The different result codes corresponding to this API are mentioned below.
resultStatus string	This parameter indicates the status of API call. Possible values: S For Success , F For Failure
resultMsg string(256)	This parameter is the result message which contains information about the result.The different result messages corresponding to this API are mentioned below.
isRedirect boolean	This flag indicates that number of retries are over and user is to be redirected from cashier page.
bankRetry boolean	This flag indicates that retry is allowed at bank's end or not.
retry boolean	This flag indicates whether retry is allowed or not.

txnInfo

object

Basic information about this transaction

TxnInfo

Attribute	Description
MID string	This is a unique identifier provided to every merchant by Paytm. Example: INTEGR7769XXXXXX9383
TXNID string	This is a unique Paytm transaction ID that is issued by Paytm for each merchant. Example: 202005081112128XXXXXX68470101509706
ORDERID string	Unique reference ID for a transaction which is generated by merchant and sent in the request Example: OREDRID_98765
BANKTXNID string	The transaction ID sent by the bank. In case of Paytm proprietary instruments too, there is unique reference number generated by Paytm's system. In case the transaction does not reach the bank, this will be NULL or empty string. Primary reason for this is user dropping out of the payment flow before the transaction reaches to bank servers. Example: 77700XXXX215242
TXNAMOUNT string	Amount to be paid by customer in INR Example: 1.00
CURRENCY string	This parameter indicates the currency in which transaction amount is to be deducted. Possible Values: INR
STATUS string	This contains the transaction status. Possible Values: TXN_SUCCESS, TXN_FAILURE and PENDING
RESPCODE string	Codes refer to a particular reason of payment.
RESPMSG string	Description message is linked with each respcode.
TXNDATE string	Date and Time of transaction. Example: 2015-11- 02 11:40:46.0
GATEWAYNAME string	Gateway used by Paytm to process the transactions. Example: HDFC
PAYMENTMODE string	The payment mode used by customer for transaction. Possible values: PPI For Paytm Wallet , UPI For Bhim Upi
CHECKSUMHASH string	You should validate the txnInfo object parameter values by verifying the CHECKSUMHASH comes in txnInfo object. It ensures that parameter values are not tempered. CHECKSUMHASH string can be verified by using Paytm checksum library.
VPA string	VPA address which comes in request payload. Example: 7777777777@paytm
PROMO_CAMP_ID string	Promo code
PROMO_RESPCODE string	Response code of promo code for this transaction
PROMO_STATUS string	Status of promo code for this transaction Possible values: SUCCESS For Success , FAILURE For Failure

callBackUrl

string

Call back URL which is given in Initiate Transaction API or Initiate Subscription API.

bankForm

object

BankForm Details returned in case of following paymentModes:
CREDIT_CARD, DEBIT_CARD, NET_BANKING, EMI, UPI.

BankForm

Attribute

Description

pageType

string

It describe the page type.

Possible values:

redirect

For Paytm Form

direct

For Bank Form

redirectForm

object

Contains Bank URL , Http method, headers and content to be used by merchant to open bankForm.

FormDetail

Attribute	Description
actionURL string	URL that merchant needs to call.
method string	http method to be used by merchant to call the above URL. Example: post
type string	It describe the form type. Possible Values: redirect, submit, cancel, resend, payonbank
headers object	http headers to be used when calling actionURL. Example: {'Content-Type':'application/json'}
content object	Map of data that needs to be provided in the request body when calling actionURL. Example: {"MD":"1386959067","PaReq":"eJxVUsFy4jAM3036f4C56Zvls=", "TermUrl":"https://securegw-stage.paytm.in/instaproxy/bankresponse/HDFC/CC/90200XXXXXXXXXX71676"}

directForms

array of object

Contains APIs (URLs, Header, Payload) to be used on merchant owned Bank Page.

FormDetail

Attribute	Description
actionURL string	URL that merchant needs to call.
method string	http method to be used by merchant to call the above URL. Example: post
type string	It describe the form type. Possible Values: redirect, submit, cancel, resend, payonbank
headers object	http headers to be used when calling actionURL. Example: {'Content-Type':'application/json'}
content object	Map of data that needs to be provided in the request body when calling actionURL. Example: {"MD":"1386959067","PaReq":"eJxVUsFy4jAM3036f4C56Zvls=", "TermUrl":"https://securegw-stage.paytm.in/instaproxy/bankresponse/HDFC/CC/90200XXXXXXXXXX71676"}

displayField

object

Contains field like Amount, Bank Name, URL for bank logo etc. which can be used for display purpose.

Example:{ "amount" : "1.0", "headerText" : "", "bankName" : "HDFC", "bankLogo" : "", "descriptionText" : "" }

isForceResendOtp

boolean

Status of resend OTP feature

deepLink

string

DeepLink URL

DeepLink

Attribute	Description
url string	DeepLink URL

deepLinkInfo

object

Information of DeepLink.
UPI_INTENT only

DeepLinkInfo

Attribute	Description
deepLink string	DeepLink URL
orderId string	Order ID is merchant’s unique reference ID for a transaction sent in request.
cashierRequestId string	Cashier Request ID
transId string	Transaction ID

Response Codes & Messages

resultCode	resultStatus	resultMsg
0000	S	Success
0001	F	FAILED
RC-00018	F	Payment failed as merchant has crossed his daily/monthly/weekly acceptance limit
309	F	Invalid Order ID
312	F	This card is not supported. Please use another card.
315	F	Invalid Year
372	F	Retry count breached
501	F	System Error
510	F	Merchant Transaction Failure
931	F	Incorrect Passcode
1001	F	Request parameters are not valid
1005	F	Duplicate payment request exception
1006	F	Your Session has expired.
1007	F	Missing mandatory element
2004	F	Invalid User Token

⇾

Staging

Production

https://securegw-stage.paytm.in/theia/api/v1/processTransaction?mid={mid}&orderId={order-id} copy icon

REQUEST

RESPONSE

CURL

JAVA

NODE

PHP

PYTHON

DOTNET

curl -X POST 'https://securegw-stage.paytm.in/theia/api/v1/processTransaction?mid={mid}&orderId=ORDERID_98765' \
--header 'Content-Type: application/json' \
--data '{"head":{"txnToken":"f0bed899539742309eebd8XXXX7edcf61588842333227"},"body":{"requestType":"NATIVE","mid":"{mid}","orderId":"ORDERID_98765","paymentMode":"CREDIT_CARD","authMode":"otp","cardInfo":"|4111111111111111|111|122032"}}'