Paytm Pre-Auth is a one-click payment experience for your website or mobile app which enable payments via user’s Paytm account. Your customers just need to once authorize and link their Paytm account with your application and later enjoy superfast checkout every time.
This is an ideal solution for cases where the delivery of service or order fulfilment is not immediate. You can block the order amount from your customer’s Paytm account and debit it later when the order is complete, ensuring successful order placement and payment post-delivery.
Note: Paytm Pre-Auth is only available to select enterprise customers with high transaction volumes and established businesses. Get in touch to request access to Paytm Pre-Auth payment solution.
Demo of Paytm Pre-Auth
Overview of payment processing via Paytm Pre-Auth
User visits your website or mobile application.
You ask the user to link their Paytm account with your website or mobile application for seamless payments.
Paytm validates if the given amount exists in any Paytm proprietary payment instrument (Paytm Balance and Paytm Postpaid).
If any of the proprietary payment instruments don’t have sufficient balance then API returns the differential Amount.
For example A user has Rs.100 in their Paytm Wallet and Rs.150 in Paytm Postpaid. The transaction amount for the order is Rs. 220. In this case, no payment method has sufficient funds so the API returns the differential amount (transaction amount - wallet amount) i.e Rs.120. You have to prompt the user to add money in their Wallet.
In case a user needs to add money to pay for an order, you initiate the Add Money process.
STEP 4: Debit amount from user’s Paytm account and confirm a transaction
STEP 5: Managing Refunds
If you need to cancel or refund a successful transaction, simply send a Refund API request and ensuring success using the Refund Status API.
On completion of your integration
Post completion of integration on your staging environment, do a complete transaction from order summary page on your website or mobile app.