> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Process Payments

> Process payments on behalf of your customers using multiple Payment Methods.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

As a Technology Partner, you can allow sub-merchants on your platform to accept payments through various Payment Methods and channels.

<img src="https://razorpay.com/docs/build/browser/assets/images/platforms-and-marketplaces-payments-processing.jpg" alt="Process payments using Razorpay products" width="800" />

<AccordionGroup>
  <Accordion title="Access Payment APIs using OAuth">
    You can process payments on behalf of your sub-merchants using [Razorpay APIs](/docs/api). Use the tokens generated during [OAuth integration](/docs/partners/technology-partners/onboard-businesses/integrate-oauth/integration-steps).

    Use the `access_token` generated in the [build integration](/docs/partners/technology-partners/onboard-businesses/integrate-oauth/integration-steps#2-2-get-access-token) step to authenticate using `Bearer Auth`.

    Below is a sample code to create an Order and process payments.

    `POST /orders`

    <CodeGroup>
      ```bash Request theme={null}
      curl -H "Authorization: Bearer <ACCESS_TOKEN>" \
      -X POST https://api.razorpay.com/v1/orders \
      -H "content-type: application/json" \
      -d '{
        "amount": 50000,
        "currency": "INR",
        "receipt": "receipt#1",
        "notes": {
          "key1": "value3",
          "key2": "value2"
        }
      }'
      ```

      ```json Success Response theme={null}
      {
        "id": "order_EKwxwAgItmmXdp",
        "entity": "order",
        "amount": 50000,
        "amount_paid": 0,
        "amount_due": 50000,
        "currency": "INR",
        "receipt": "receipt#1",
        "offer_id": null,
        "status": "created",
        "attempts": 0,
        "notes": [],
        "created_at": 1582628071
      }
      ```

      ```javascript Failure Response theme={null}
      {
        "error": {
          "code": "BAD_REQUEST_ERROR",
          "description": "The amount must be at least INR 1.00",
          "source": "business",
          "step": "payment_initiation",
          "reason": "input_validation_failed",
          "metadata": {},
          "field": "amount"
        }
      }
      ```
    </CodeGroup>

    The parameter descriptions and errors are present in the [Create an Order API](/docs/api/orders/create) documentation.
  </Accordion>

  <Accordion title="Public Token">
    Using the `public_token` for authorisation can secure a public-facing implementation such as Razorpay Checkout. In such cases, the `public_token` can replace the `key_id` field as shown below:

    ```javascript Checkout theme={null}
    <button id="rzp-button1">Pay</button>
    <script src="https://checkout.razorpay.com/v1/checkout.js"></script>
    <script>
    var options = {
        "key": "rzp_test_oauth_XXXXXXXXXXXXXX", // Public Token
        "amount": "29900", // Amount is in currency subunits. Default currency is INR. 
        "currency": "INR",
        "name": "Acme Corp", //your business name
        "description": "Test Transaction",
        "image": "https://example.com/your_logo",
        "order_id": "order_9A33XWu170gUtm", //This is a sample Order ID. Pass the `id` obtained in the response of Step 1
        "callback_url": "https://eneqd3r9zrjok.x.pipedream.net/",
        "prefill": { //We recommend using the prefill parameter to auto-fill customer's contact information especially their phone number
            "name": "Gaurav Kumar", //your customer's name
            "email": "gaurav.kumar@example.com",
            "contact": "9000090000" //Provide the customer's phone number for better conversion rates 
        },
        "notes": {
            "address": "Razorpay Corporate Office"
        },
        "theme": {
            "color": "#3399cc"
        }
    };
    var rzp1 = new Razorpay(options);
    document.getElementById('rzp-button1').onclick = function(e){
        rzp1.open();
        e.preventDefault();
    }
    </script>
    ```

    Know more about [Web Standard Integration](/docs/payments/payment-gateway/web-integration/standard).
  </Accordion>

  <Accordion title="Verify Payment Signature">
    This is a mandatory step to confirm the authenticity of the details returned to the Checkout form for successful payments.

    To verify the `razorpay_signature` returned to you by the Checkout form:

    1. Create a signature in your server using the following attributes:
       * `order_id`: Retrieve the `order_id` from your server. Do not use the `razorpay_order_id` returned by Checkout.
       * `razorpay_payment_id`: Returned by Checkout.
       * `client_secret`: Available in your server. The `client_secret` that was generated from the [RazorpayDashboard](/docs/api/authentication#generate-api-keys).

    2. Use the SHA256 algorithm, the `razorpay_payment_id` and the `order_id` to construct a HMAC hex digest as shown below:

    ```html HMAC Hex Digest theme={null}
    generated_signature = hmac_sha256(order_id + "|" + razorpay_payment_id, client_secret);

      if (generated_signature == razorpay_signature) {
        payment is successful
      }
    ```

    3. If the signature you generate on your server matches the `razorpay_signature` returned to you by the Checkout form, the payment received is from an authentic source.

    #### Generate Signature on Your Server

    Given below is the sample code for payment signature verification:

    <CodeGroup>
      ```java Java theme={null}
      RazorpayClient razorpay = new RazorpayClient("[CLIENT_KEY_ID]", "[CLIENT_KEY_SECRET]");

      String secret = "EnLs21M47BllR3X8PSFtjtbd";

      JSONObject options = new JSONObject();
      options.put("razorpay_order_id", "order_IEIaMR65cu6nz3");
      options.put("razorpay_payment_id", "pay_IH4NVgf4Dreq1l");
      options.put("razorpay_signature", "0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50f");

      boolean status =  Utils.verifyPaymentSignature(options, secret);
      ```

      ```ruby Ruby theme={null}
      require "razorpay"
      Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

      payment_response = {
            razorpay_order_id: 'order_IEIaMR65cu6nz3',
            razorpay_payment_id: 'pay_IH4NVgf4Dreq1l',
            razorpay_signature: '0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50f'
          }
      Razorpay::Utility.verify_payment_signature(payment_response)
      ```

      ```csharp .NET theme={null}
      RazorpayClient client = new RazorpayClient("[CLIENT_KEY_ID]", "[CLIENT_KEY_SECRET]");

      Dictionary<string, string> options = new Dictionary<string, string>();
      options.Add("razorpay_order_id", "order_IEIaMR65");
      options.Add("razorpay_payment_id", "pay_IH4NVgf4Dreq1l");
      options.Add("razorpay_signature", "0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50");

      Utils.verifyPaymentSignature(options);
      ```
    </CodeGroup>

    #### Post Signature Verification

    With this, your integration is complete. Test the integration before going live. Replace the test key with the live key and integrate with other [APIs](/docs/api).
  </Accordion>
</AccordionGroup>

## List of Available Payment Products

Below is a list of Razorpay products available to you to accept payments.

| Product and Use                                                                                                                                                                                                                                 |
| ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [Payment Gateway](/docs/payments/payment-gateway): Integrate our Payment Gateway with your website or app to accept payments from customers.                                                                                                    |
| [Magic Checkout](/docs/payments/magic-checkout): Integrate Razorpay Magic Checkout to help customers complete prepaid and cash-on-delivery (COD) transactions on your website/app and reduce your COD RTOs.                                     |
| [Payment Links](/docs/payments/payment-links): Share payment link via an email, SMS, messenger or chatbot and get paid immediately.                                                                                                             |
| [Invoices](/docs/payments/invoices): Create and send GST-compliant invoices that your customers can pay online instantly. Get paid faster and improve your cash flow.                                                                           |
| [Subscriptions](/docs/payments/subscriptions): Offer your customers subscription plans with automated recurring transactions on various payment modes.                                                                                          |
| [Smart Collect](/docs/payments/smart-collect): Generate virtual bank accounts and UPI IDs on demand and accept payments using NEFT, RTGS, IMPS and UPI. Get notified for each incoming payment and automate the tedious reconciliation process. |