Online Banking India

Our Web Drop-in renders Online Banking India in your payment form, and redirects the shopper to a website where they complete the payment.

When making an Online Banking India payment, you additionally need to:

• Handle the redirect result after the shopper returns to your website.

Before you begin

This page explains how to add Online Banking India to your existing Web Drop-in integration. The Web Drop-in integration works the same way for all payment methods. If you haven't done this integration yet, refer to our Drop-in integration guide.

Before starting your Online Banking India integration:

1. Make sure that you have set up your back end implementation, and added Drop-in to your payments form.
2. Add Online Banking India in your test Customer Area.

Show Online Banking India in your payment form

Drop-in uses the countryCode and the amount.currency from your /paymentMethods request to show the available payment methods to your shopper.

To show Online Banking India in your payment form, specify in your /paymentMethods request:

• countryCode: IN
• amount.currency: Any supported currency. For example, INR.

Optional Drop-in configuration

When creating an instance of Drop-in, you can also include optional configuration for presenting the list of issuing banks.

   const dropin = checkout
     .create('dropin', {
       paymentMethodsConfiguration: {
         billdesk_online: { // Optional configuration for Online Banking India
           issuer: "ALB_DIRECT" // Optional. Set this to an **id** of an INR issuer to preselect it.
         }
       }
     })
     .mount('#dropin');

Make a payment

When the shopper selects the Pay button, Drop-in calls the onSubmit event, which contains a state.data.

1. Pass the state.data to your server.

2. From your server, make a /payments request, specifying:

   • paymentMethod: The state.data.paymentMethod from the onSubmit event from your front end.
   https://docs.adyen.com/payment-methods/online-banking-india/web-drop-in#billdeskonline-web-payments

   • curl
   • Ruby
   • Java
   • PHP
   • Python
   • C#
   • NodeJS

   curl Ruby Java PHP Python C# NodeJS

   curl https://checkout-test.adyen.com/v66/payments \
   -H "x-API-key: YOUR_X-API-KEY" \
   -H "content-type: application/json" \
   -d '{
     "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
     "reference":"YOUR_ORDER_NUMBER",
     "amount":{
       "currency":"INR",
       "value":1000
     },
     "{hint:state.data.paymentMethod from onSubmit}paymentMethod{/hint}":{
       "type":"billdesk_online",
       "issuer":"ALB_DIRECT"
     },
     "returnUrl":"https://your-company.com/checkout?shopperOrder=12xy.."
   }'

   # Set your X-API-KEY with the API key from the Customer Area.
   adyen = Adyen::Client.new
   adyen.api_key = "YOUR_X-API-KEY"
    
   response = adyen.checkout.payments({
     :amount => {
       :currency => "INR",
       :value => 1000
     },
     :reference => "YOUR_ORDER_NUMBER",
     :paymentMethod => {
       :type => "billdesk_online",
       :issuer => "ALB_DIRECT"
     },
     :returnUrl => "https://your-company.com/checkout?shopperOrder=12xy..",
     :merchantAccount => "YOUR_MERCHANT_ACCOUNT"
   })

   // Set YOUR_X-API-KEY with the API key from the Customer Area.
   // Change to Environment.LIVE and add the Live URL prefix when you're ready to accept live payments.
       Client client = new Client("YOUR_X-API-KEY", Environment.TEST);
       Checkout checkout = new Checkout(client);
   
       PaymentsRequest paymentsRequest = new PaymentsRequest();
   
       String merchantAccount = "YOUR_MERCHANT_ACCOUNT";
       paymentsRequest.setMerchantAccount(merchantAccount);
   
       Amount amount = new Amount();
       amount.setCurrency("INR");
       amount.setValue(15000L);
       paymentsRequest.setAmount(amount);
   
       DefaultPaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
       paymentMethodDetails.setType("billdesk_online");
       paymentMethodDetails.setIssuer("ALB_DIRECT");
       paymentsRequest.setPaymentMethod(paymentMethodDetails);
   
       paymentsRequest.setReference("YOUR_ORDER_NUMBER");
       paymentsRequest.setReturnUrl("https://your-company.com/checkout?shopperOrder=12xy..");
   
       PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);

   // Set your X-API-KEY with the API key from the Customer Area.
   $client = new \Adyen\Client();
   $client->setXApiKey("YOUR_X-API-KEY");
   $service = new \Adyen\Service\Checkout($client);
   
   $params = array(
     "amount" => array(
       "currency" => "INR",
       "value" => 1000
     ),
     "reference" => "YOUR_ORDER_NUMBER",
     "paymentMethod" => array(
       "type" => "billdesk_online",
       "issuer" => "ALB_DIRECT"
     ),
     "returnUrl" => "https://your-company.com/checkout?shopperOrder=12xy..",
     "merchantAccount" => "YOUR_MERCHANT_ACCOUNT"
   );
   $result = $service->payments($params);

   #Set your X-API-KEY with the API key from the Customer Area.
   adyen = Adyen.Adyen()
   adyen.client.xapikey = 'YOUR_X-API-KEY'
   
   result = adyen.checkout.payments({
      'amount': {
         'value': 1000,
         'currency': 'INR'
      },
      'reference': 'YOUR_ORDER_NUMBER',
      'paymentMethod': {
         'type': 'billdesk_online',
         'issuer': 'ALB_DIRECT'
      },
      'returnUrl': 'https://your-company.com/checkout?shopperOrder=12xy..',
      'merchantAccount': 'YOUR_MERCHANT_ACCOUNT'
   })

   // Set your X-API-KEY with the API key from the Customer Area.
   var client = new Client ("YOUR_X-API-KEY", Environment.Test);
   var checkout = new Checkout(client);
   
   var amount = new Model.Checkout.Amount("INR", 1000);
   var details = new Model.Checkout.DefaultPaymentMethodDetails{
     Type = "billdesk_online",
     Issuer = "ALB_DIRECT"
   };
   var paymentRequest = new Adyen.Model.Checkout.PaymentRequest
   {
     Reference = "YOUR_ORDER_NUMBER",
     Amount = amount,
     ReturnUrl = @"https://your-company.com/checkout?shopperOrder=12xy..",
     MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
     PaymentMethod = details
   };
   
   var paymentResponse = checkout.Payments(paymentsRequest);

   // Set your X-API-KEY with the API key from the Customer Area.
   const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
   const config = new Config();
   // Set your X-API-KEY with the API key from the Customer Area.
   config.apiKey = '[API_KEY]';
   config.merchantAccount = '[YOUR_MERCHANT_ACCOUNT]';
   const client = new Client({ config });
   client.setEnvironment("TEST");
   const checkout = new CheckoutAPI(client);
   checkout.payments({
       amount: { currency: "INR", value: 1000 },
       paymentMethod: {
           type: 'billdesk_online',
           issuer: 'ALB_DIRECT'
       },
       reference: "YOUR_ORDER_NUMBER",
       merchantAccount: config.merchantAccount,
       returnUrl: "https://your-company.com/checkout?shopperOrder=12xy.."
   }).then(res => res);

   The /payments response contains:

   • action.method: GET. The HTTP request method that you should use. After the shopper completes the payment, they will be redirected back to your returnURL using the same method.
   https://docs.adyen.com/payment-methods/afterpaytouch/web-drop-in#-payments-response

   /payments response

   {
   "resultCode":"RedirectShopper",
   "action":{
     "method":"GET",
     "paymentData":"Ab02b4c0!BQABAgCSZT7t...",
     "paymentMethodType":"billdesk_online",
     "type":"redirect",
     "url":"https://test.adyen.com/hpp/skipDetails.shtml?brandCode=billdesk_online..."
   },
   "details":[
     {
       "key":"redirectResult",
       "type":"text"
     }
   ],
   ...
   }
3. Pass the action object to your front end. Drop-in needs the action object to redirect the shopper to Online Banking India.

Handle the redirect result

Drop-in usesdropin.handleAction(action) to redirect the shopper to Online Banking India's website. Handling the redirect works the same way for all redirect payment methods.

Drop-in uses dropin.handleAction(action) to redirect the shopper to Online Banking India. After the shopper is redirected back to your website, check the payment result by making a POST /payments/details request, specifying:

• paymentData: The value your received in the /payments response.
• details: Object that contains the URL-decoded values of the parameters that were returned when the shopper was redirected back to your site.
  https://docs.adyen.com/payment-methods/afterpaytouch/web-drop-in#-payments-details-request

  /payments/details request

  {
    "paymentData":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...",
      "details":{
        "redirectResult":"Ab02b4c0!BQABAgCW5sxB4e/=="
      }
  }

The /payments/details response contains:

• resultCode: Use this to present the payment result to your shopper.
• pspReference: Our unique identifier for the transaction.

 {
   "resultCode": "Authorised",
   "pspReference": "88154795347618C"
 }

Present the payment result

Use the resultCode that you received in the /payments/details response to present the payment result to your shopper.

The resultCode values you can receive for Online Banking India are:

If the shopper failed to return to your website or app, wait for notification webhooks to know the outcome of the payment:

Test and go live

Online Banking India currently has no test platform.

Before you can accept live Online Banking India payments, you need to submit a request for Online Banking India in your live Customer Area.

See also