- Customer Initiates Payment
a. Your customer clicks the Pay button on your website or mobile app.
b. The customer enters Payment details and authorizes the transaction on the checkout form.
- Transaction Response
Paytm responds success or failed to the Callback URL defined by you.
Note: Validate each transaction response via a server-to-server (S2S) API call for security. Transaction revalidation protects from request / response tampering possible in browser calls. - Order Status Display
Based on the response received, display the order status to the customer. This can be:-
- Successful Transaction: Customer fills in basic payment details to authorize the payment. This results in a successful transaction.
- Failed Transaction: If payment authorization fails or the customer leaves the process, it's marked as failed.
- Pending Transaction: Real-time transaction status delays can be due to network issues, technical errors at the customer's / bank's end, etc. These are marked as pending transactions. To know more, refer to the Delayed Notification document.
- Transaction Summary
Access real-time payment summaries and insights in your dashboard.
- Funds Transfer
Payments from successful transactions are credited to your bank account on T+1 day. Here, T is the date of a successful transaction. Once the payment is credited, the corresponding transaction is marked as Settled.
- Refund Transaction
Reverse payments for successful or settled transactions are called refund transactions. To know more, refer to the Refunds document.
