Start Building with Paytm

Paytm Payment Gateway provides a secure, PCI-compliant way to accept Debit/Credit card, Net-Banking, UPI and Paytm wallet payments from your customers.

  1. Create account or login using your existing Paytm account.

  2. Generate your staging account credentials from the dashboard. These are required to explore Paytm's integration solutions.

  3. When you are ready to go live, activate your account in the dashboard to get production account credentials.

Understanding account credentials

Account credentials are available in your dashboard for both staging and production environments. These credentials consist of the following:

  • MID (Merchant ID) - This is a unique identifier provided by Paytm to every merchant. MID is part of your account credentials and is different in staging and production environments. Your staging MID is available here and production MID will be available once your activation is complete.

  • Merchant Key - This is a unique secret key used for secure encryption of every request. This needs to be kept on server-side and should not be shared with anyone.


The Paytm Dashboard is a single window to manage your account:

  • Activate account to start accepting payments

  • Generate your staging and production account credentials

  • Switch views between staging and production transaction data

  • Check payments received from your customers

  • Check bank transfers Paytm makes into your account

  • Initiate refunds if you need to

  • Download all kinds of transaction reports

  • Get help

Fundamentals of collecting payments with Paytm

  1. Your customer clicks the Pay button in your web/mobile application.

  2. The customer is shown a checkout form where she fills in her payment details and authorizes the payment.

  3. After completion of a transaction, Paytm posts the response (success or failed) on a Callback URL defined by you.

  4. As a recommended security measure, you validate each transaction response via a server-to-server (S2S) API call. Transaction revalidation protects from request/response tampering possible in-browser calls. This S2S call is not required for Paytm plugins and hosted e-commerce website integration solutions.

  5. Based on the response received, you display the order status to the customer.

  6. See a real-time summary of payments received and other insights in your dashboard.

  7. Receive payments collected from customers in your bank account on the next business day.

Detailed Payment Flow Explained

Transaction Creation

When a transaction request is received at Paytm's server, there are multiple validations carried out like valid source of the request, the structure of request, uniqueness of request etc. Once these validations are passed, a transaction is created.

Successful Transaction

The customer fills in basic payment details to authorize the payment. Once the authorization is successful, money is debited from the customer’s account. This transaction is a successful transaction.

Failed Transaction

If the customer drops out from the payment process, or in the event of payment authorization failure, money is not deducted from the customer’s account. This is marked as a failed transaction.

Pending Transaction

Sometimes Paytm doesn't receive real-time transaction status from the bank. This can be due to many reasons such as network issues, technical errors at customer's/bank's end etc. This is marked as a pending transaction. Refer to this for detailed handling of the pending transaction.

Settled Transaction

Payments received against successful transactions are credited into your bank account on T+1, where T is the date of a successful transaction. Once the payment is credited, the corresponding transaction is marked as Settled.

Refund Transaction

Sometimes there are use cases where you need to reverse payments for successful or settled transactions. The reversal transaction of a successful or settled payment is called a refund transaction. Refer Refunds for more details.



Ready to dive in? Select an integration solution to start your journey with Paytm.