Online Banking India

Learn how to accept Online Banking India payments.

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:

Make sure that you have set up your back end implementation, and added Drop-in to your payments form.
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.

Pass the state.data to your server.

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 https://checkout-test.adyen.com/v51/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 paymentsRequest = new 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: Object containing information about the redirect.
action.paymentData: Store this on your server — you need to submit this in your /payments/details request when handling the redirect result.
action.method: GET or POST. 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.
The redirect method depends on your payment method configuration and the length of the data included in the request, so make sure that your integration can handle both HTTP GET and HTTP POST methods.

https://docs.adyen.com/payment-methods/online-banking-india/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/redirect.shtml?brandCode=.."
  },
    "details": [
      {
          "key": "payload",
          "type": "text"
      }
    ],
  ...
  }

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. After the shopper is redirected back to your website, check the redirect result.

From your server, make a POST /payments/details request, specifying:
- paymentData: Value you 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. For example, payload. To check the parameters that you should submit, refer to the details.key returned in the /payments response.
https://docs.adyen.com/payment-methods/online-banking-india/web-drop-in#-payments-details-request
- /payments/details request
{ "paymentData":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...", "details":{ "{hint:Verify the parameters from /payments response}payload{/hint}":"Ab02b4c0!BQABAgCW5sxB4e/==" } }
You receive a response containing:
- resultCode: Use this to present the result to your shopper.
- pspReference: Our unique identifier for the transaction.
https://docs.adyen.com/payment-methods/online-banking-india/web-drop-in#-payments-details-response
- /payments/details response
{ "resultCode": "Authorised", "pspReference": "88154795347618C" }

For more information and detailed instructions, refer to Handling the redirect result.

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:

resultCode	Description	Action to take
Authorised	The payment was successful.	Inform the shopper that the payment has been successful. You will receive the funds in 3 days.
Cancelled	The shopper canceled the payment while on the checkout page.	Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.
Pending	The shopper has completed the payment but the final result is not yet known.	Inform the shopper that you've received their order, and are waiting for the payment to be completed. To know the final result of the payment, wait for the AUTHORISATION notification.
Refused	The payment was refused by the shopper's bank.	Ask the shopper to try the payment again using a different payment method.

If a shopper completed the payment but failed to return to your website or app, you will receive the outcome of the payment in an AUTHORISATION notification.

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.