1. Build Integration for UPI Collect

Available in🇮🇳 India

In case of UPI collect flow there is no redirect involved when the customer completes the payment, you will have to poll the Razorpay APIs to get the latest status of the payment.

UPI Collect Flow DeprecatedAccording to NPCI guidelines, the UPI Collect flow is being deprecated effective 28 February 2026. Customers can no longer make payments or register UPI mandates by manually entering VPA/UPI id/mobile numbers.Exemptions: UPI Collect will continue to be supported for:

MCC 6012 & 6211 (IPO and secondary market transactions).
iOS mobile app and mobile web transactions.
UPI Mandates (execute/modify/revoke operations only)
eRupi vouchers.
PACB businesses (cross-border/international payments).

Action Required:

If you are a new Razorpay user, use UPI Intent.
If you are an existing Razorpay user not covered by exemptions, you must migrate to UPI Intent or UPI QR code to continue accepting UPI payments. For detailed migration steps, refer to the migration documentation.

Collect Flow Integration

Follow the steps below to integrate S2S JSON API and accept payments using UPI Collect Flow. 1.1 Create an Order
1.2 Create a Payment
1.3 Handle Payment Success and Error Events
1.4 Verify Payment Signature
1.5 Integrate Payments Rainy Day Kit
1.6 Verify Payment Status

Watch Out!Do not hardcode the URL returned in the API responses.

1.1 Create an Order

Order is an important step in the payment process.

An order should be created for every payment.
You can create an order using the Orders API. It is a server-side API call. Know how to authenticate Orders API.
The order_id received in the response should be passed to the checkout. This ties the order with the payment and secures the request from being tampered.

Watch Out!Payments made without an order_id cannot be captured and will be automatically refunded. You must create an order before initiating payments to ensure proper payment processing.

You can create an order:

Using the sample code on the Razorpay Postman Public Workspace.
By manually integrating the API sample codes on your server.

Razorpay Postman Public Workspace

You can use the Postman workspace below to create an order:

Handy TipsUnder the Authorization section in Postman, select Basic Auth and add the Key Id and secret as the Username and Password, respectively.

API Sample Code

Use this endpoint to create an order using the Orders API. POST /orders

curl -X POST https://api.razorpay.com/v1/orders
-U [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-H 'content-type:application/json'
-d '{
 "amount": 500,
 "currency": "INR",
 "receipt": "qwsaq1",
 "partial_payment": true,
 "first_payment_min_amount": 230,
 "notes": {
   "key1": "value3",
   "key2": "value2"
 }
}'

RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject orderRequest = new JSONObject();
orderRequest.put("amount",50000);
orderRequest.put("currency","INR");
orderRequest.put("receipt", "receipt#1");
JSONObject notes = new JSONObject();
notes.put("notes_key_1","Tea, Earl Grey, Hot");
notes.put("notes_key_1","Tea, Earl Grey, Hot");
orderRequest.put("notes",notes);

Order order = instance.orders.create(orderRequest);

import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.order.create({
 "amount": 50000,
 "currency": "INR",
 "receipt": "receipt#1",
 "partial_payment": False,
 "notes": {
   "key1": "value3",
   "key2": "value2"
 }
})

$api = new Api($key_id, $secret);

$api->order->create(array('receipt' => '123', 'amount' => 100, 'currency' => 'INR', 'notes'=> array('key1'=> 'value3','key2'=> 'value2')));

RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary<string, object> orderRequest = new Dictionary<string, object>();
orderRequest.Add("amount", 50000);
orderRequest.Add("currency", "INR");
orderRequest.Add("receipt", "receipt#1");
Dictionary<string, object> notes = new Dictionary<string, object>();
notes.Add("notes_key_1", "Tea, Earl Grey, Hot");
notes.Add("notes_key_2", "Tea, Earl Grey, Hot");
orderRequest.Add("notes", notes);

Order order = client.Order.Create(orderRequest);

require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
 "amount": 50000,
 "currency": "INR",
 "receipt": "receipt#1",
 "notes": {
   "key1": "value3",
   "key2": "value2"
 }
}

Razorpay::Order.create(para_attr)

var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.orders.create({
 "amount": 50000,
 "currency": "INR",
 "receipt": "receipt#1",
 "partial_payment": false,
 "notes": {
   "key1": "value3",
   "key2": "value2"
 }
})

import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
 "amount": 50000,
 "currency": "INR",
 "receipt": "some_receipt_id",
 "partial_payment": false,
 "notes": map[string]interface{}{
     "key1": "value1",
     "key2": "value2",
   },
}
body, err := client.Order.Create(data, nil)

{
 "id": "order_IluGWxBm9U8zJ8",
 "entity": "order",
 "amount": 5000,
 "amount_paid": 0,
 "amount_due": 5000,
 "currency": "INR",
 "receipt": "rcptid_11",
 "offer_id": null,
 "status": "created",
 "attempts": 0,
 "notes": [],
 "created_at": 1642662092
}

{
 "error": {
   "code": "BAD_REQUEST_ERROR",
   "description": "Order amount less than minimum amount allowed",
   "source": "business",
   "step": "payment_initiation",
   "reason": "input_validation_failed",
   "metadata": {},
   "field": "amount"
 }
}

Request Parameters

amount mandatory : integer Payment amount in the smallest currency subunit. For example, if the amount to be charged is ₹299, then pass 29900 in this field. In the case of three decimal currencies, such as KWD, BHD and OMR, to accept a payment of 295.991, pass the value as 295990. And in the case of zero decimal currencies such as JPY, to accept a payment of 295, pass the value as 295.

Watch Out!As per payment guidelines, you should pass the last decimal number as 0 for three decimal currency payments. For example, if you want to charge a customer 99.991 KD for a transaction, you should pass the value for the amount parameter as 99990 and not 99991.

currency mandatory : string The currency in which the transaction should be made. See the list of supported currencies. Length must be 3 characters.

Handy TipsRazorpay has added support for zero decimal currencies, such as JPY and three decimal currencies, such as KWD, BHD and OMR, allowing businesses to accept international payments in these currencies. Know more about Currency Conversion (May 2024).

receipt optional : string Your receipt id for this order should be passed here. Maximum length is 40 characters.notes optional : json object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.partial_payment optional : boolean Indicates whether the customer can make a partial payment. Possible values:

true: The customer can make partial payments.
false (default): The customer cannot make partial payments.

first_payment_min_amount optional : integer Minimum amount that must be paid by the customer as the first partial payment. For example, if an amount of ₹7000 is to be received from the customer in two installments of #1 - ₹5000, #2 - ₹2000 then you can set this value as 500000. This parameter should be passed only if partial_payment is true.Know more about Orders API.

Response Parameters

Descriptions for the response parameters are present in the Orders Entity parameters table.

Error Response Parameters

The error response parameters are available in the API Reference Guide.

1.2 Create a Payment

Once an order is created, your next step is to create a payment. The following API will create a payment with upi as the payment method: POST /payments/create/json

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/payments/create/json \
-H "Content-Type: application/json" \
-d '{
  "amount": 100,
  "currency": "INR",
  "order_id": "order_Ky7GhR2EgoKxOE",
  "email": "gaurav.kumar@example.com",
  "contact": "9090909090",
  "method": "upi",
  "upi":{
      "flow":"collect",
      "vpa":"gauravkumar@okhdfcbank"
  },
  "ip": "192.168.0.103",
  "referer": "http",
  "user_agent": "Mozilla/5.0",
  "description": "Test payment",
  "notes": {
    "note_key": "value1"
  }
}'

RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");
JSONObject paymentRequest = new JSONObject();
paymentRequest.put("amount", 500);
paymentRequest.put("currency", "INR");
paymentRequest.put("order_id", "order_JZluwjknyWdhnU");
paymentRequest.put("email", "gaurav.kumar@example.com");
paymentRequest.put("contact", "9123456789");
paymentRequest.put("method", "upi");
paymentRequest.put("customer_id", "cust_EIW4T2etiweBmG");
paymentRequest.put("ip", "192.168.0.103");
paymentRequest.put("referer", "http");
paymentRequest.put("user_agent", "Mozilla/5.0");
paymentRequest.put("description", "Test flow");
JSONObject notes = new JSONObject();
notes.put("note_key", "value1");
JSONObject upi = new JSONObject();
upi.put("flow", "collect");
upi.put("vpa", "gauravkumar@exampleupi");
paymentRequest.put("notes", notes);
paymentRequest.put("upi", upi);

Payment payment = instance.payments.createJsonPayment(paymentRequest);

$api = new Api($key_id, $secret);

$api->payment->createPaymentJson([
    "amount" => 200,
    "currency" => "INR",
    "order_id" => "order_Jhgp4wIVHQrg5H",
    "email" => "gaurav.kumar@example.com",
    "contact" => "9123456789",
    "method" => "upi",
    "customer_id" => "cust_EIW4T2etiweBmG",
    "ip" => "192.168.0.103",
    "referer" => "http",
    "user_agent" => "Mozilla/5.0",
    "description" => "Test flow",
    "notes" => [
        "note_key" => "value1"
    ],
    "upi" => [
        "flow" => "collect",
        "vpa" => "gauravkumar@exampleupi"
    ]
]);

var instance = new Razorpay({
  key_id: "YOUR_KEY_ID",
  key_secret: "YOUR_SECRET",
});

instance.payments.createUpi({
  amount: 200,
  currency: "INR",
  order_id: "order_GAWRjlWkVcRh0V",
  email: "gaurav.kumar@example.com",
  contact: "9123456789",
  method: "upi",
  customer_id: "cust_EIW4T2etiweBmG",
  ip: "192.168.0.103",
  referer: "http",
  user_agent: "Mozilla/5.0",
  description: "Test flow",
  notes: {
    note_key: "value1",
  },
  upi: {
    flow: "collect",
    vpa: "gauravkumar@exampleupi"
  },
});

import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))
client.payment.createPaymentJson(
  {
      "amount": 200,
      "currency": "INR",
      "order_id": "order_GAWRjlWkVcRh0V",
      "email": "gaurav.kumar@example.com",
      "contact": "9123456789",
      "method": "upi",
      "customer_id": "cust_EIW4T2etiweBmG",
      "ip": "192.168.0.103",
      "referer": "http",
      "user_agent": "Mozilla/5.0",
      "description": "Test flow",
      "notes": {"note_key": "value1"},
      "upi": {
        "flow": "collect", 
        "vpa": "gauravkumar@exampleupi"
      },
  }
)

RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary < string, object > paymentRequest = new Dictionary < string, object > ();
paymentRequest.Add("amount", 100);
paymentRequest.Add("currency", "INR");
paymentRequest.Add("order_id", "order_MSd9LNbSEB2Gnv");
paymentRequest.Add("email", "gaurav.kumar@example.com");
paymentRequest.Add("contact", "9999999999");
paymentRequest.Add("method", "upi");
paymentRequest.Add("customer_id", "cust_Z6t7VFTb9xHeOs");
paymentRequest.Add("ip", "192.168.0.103");
paymentRequest.Add("referer", "http");
paymentRequest.Add("user_agent", "Mozilla/5.0");
paymentRequest.Add("description", "Test flow");
Dictionary < string, object > notes = new Dictionary < string, object > ();
notes.Add("note_key", "value1");
Dictionary < string, object > upi = new Dictionary < string, object > ();
upi.Add("flow", "collect");
upi.Add("vpa", "gauravkumar@exampleupi");
paymentRequest.Add("notes", notes);
paymentRequest.Add("upi", upi);

Payment payment = client.Payment.CreateUpi(paymentRequest);

require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')
para_attr = {
  "amount": 200,
  "currency": "INR",
  "order_id": "order_GAWRjlWkVcRh0V",
  "email": "gaurav.kumar@example.com",
  "contact": "9123456789",
  "method": "upi",
  "customer_id": "cust_EIW4T2etiweBmG",
  "ip": "192.168.0.103",
  "referer": "http",
  "user_agent": "Mozilla/5.0",
  "description": "Test flow",
  "notes": {
    "note_key": "value1"
  },
  "upi": {
    "flow": "collect",
    "vpa": "gauravkumar@exampleupi"
  }
}

Razorpay::Payment.create_upi(para_attr)

import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")
para_attr: = map[string] interface {} {
    "amount": 200,
    "currency": "INR",
    "order_id": "order_GAWRjlWkVcRh0V",
    "email": "gaurav.kumar@example.com",
    "contact": "9123456789",
    "method": "upi",
    "customer_id": "cust_EIW4T2etiweBmG",
    "ip": "192.168.0.103",
    "referer": "http",
    "user_agent": "Mozilla/5.0",
    "description": "Test flow",
    "notes": map[string] interface {} {
            "note_key": "value1",
        },
        "upi": map[string] interface {} {
            "flow": "collect",
            "vpa": "gauravkumar@exampleupi",
        },
}
body, err: = client.Payment.CreatePaymentJson(para_attr, nil)

Response

{
  "razorpay_payment_id": "pay_ERGVHAXaLNV1y5",
    "next": [
      {
        "action": "poll",
        "url": "https://api.razorpay.com/v1/payments/pay_ERGVHAXaLNV1y5"
      }
    ]
}

Once the payment is successfully created, you will receive a response containing the next array. This array tells you the next steps that you should take to process the payment: action : string The action that you need to perform further. In this case, the value is poll url : string Contains the URL that you must poll to fetch the status of the payment, either authorized or failed.

Request Parameters

The payment request for each of the supported payment methods will slightly vary. Know more about the relevant payment request fields.

Watch Out!The email field is mandatory by default. However, you can contact the support team to make it optional using a feature flag.

1.3 Handle Payment Success and Error Events

Once the payment is completed by the customer, a POST request is made to the callback_url provided in the payment request. The data contained in this request will depend on whether the payment was a success or a failure.

Success Callback

If the payment made by the customer is successful, the following fields are sent:

razorpay_payment_id
razorpay_order_id
razorpay_signature

Callback Example

{
  "razorpay_payment_id": "pay_29QQoUBi66xm2f",
  "razorpay_order_id": "order_9A33XWu170gUtm",
  "razorpay_signature": "9ef4dffbfd84f1318f6739a3ce19f9d85851857ae648f114332d8401e0949a3d"
}

Failure Callback

If the payment has failed, the callback will contain details of the error. Refer to Errors for details.

1.4 Verify Payment Signature

Signature verification is a mandatory step to ensure that the callback is sent by Razorpay. The razorpay_signature contained in the callback can be regenerated by your system and verified as follows. Create a string to be hashed using the razorpay_payment_id contained in the callback and the Order ID generated in the first step, separated by a |. Hash this string using SHA256 and your API Secret.

generated_signature = hmac_sha256(order_id + "|" + razorpay_payment_id, secret);

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

Generate Signature on your Server

/**
* This class defines common routines for generating
* authentication signatures for Razorpay Webhook requests.
*/
public class Signature
{
    private static final String HMAC_SHA256_ALGORITHM = "HmacSHA256";
    /**
    * Computes RFC 2104-compliant HMAC signature.
    * * @param data
    * The data to be signed.
    * @param key
    * The signing key.
    * @return
    * The Base64-encoded RFC 2104-compliant HMAC signature.
    * @throws
    * java.security.SignatureException when signature generation fails
    */
    public static String calculateRFC2104HMAC(String data, String secret)
    throws java.security.SignatureException
    {
        String result;
        try {

            // get an hmac_sha256 key from the raw secret bytes
            SecretKeySpec signingKey = new SecretKeySpec(secret.getBytes(), HMAC_SHA256_ALGORITHM);

            // get an hmac_sha256 Mac instance and initialize with the signing key
            Mac mac = Mac.getInstance(HMAC_SHA256_ALGORITHM);
            mac.init(signingKey);

            // compute the hmac on input data bytes
            byte[] rawHmac = mac.doFinal(data.getBytes());

            // base64-encode the hmac
            result = DatatypeConverter.printHexBinary(rawHmac).toLowerCase();

        } catch (Exception e) {
            throw new SignatureException("Failed to generate HMAC : " + e.getMessage());
        }
        return result;
    }
}

use Razorpay\Api\Api;
$api = new Api($key_id, $key_secret);
$attributes  = array('razorpay_signature'  => '23233',  'razorpay_payment_id'  => '332' ,  'razorpay_order_id' => '12122');
$order  = $api->utility->verifyPaymentSignature($attributes)

require 'razorpay'
Razorpay.setup('key_id', 'key_secret')
payment_response = {
  'razorpay_order_id': '12122',
  'razorpay_payment_id': '332',
  'razorpay_signature': '23233'
}

Razorpay::Utility.verify_payment_signature(payment_response)

import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.utility.verify_payment_signature({
   'razorpay_order_id': razorpay_order_id,
   'razorpay_payment_id': razorpay_payment_id,
   'razorpay_signature': razorpay_signature
   })

 Dictionary<string, string> attributes = new Dictionary<string, string>();

            attributes.Add("razorpay_payment_id", paymentId);
            attributes.Add("razorpay_order_id", Request.Form["razorpay_order_id"]);
            attributes.Add("razorpay_signature", Request.Form["razorpay_signature"]);

            Utils.verifyPaymentSignature(attributes);

var { validatePaymentVerification } = require('./dist/utils/razorpay-utils');

validatePaymentVerification({"order_id": razorpayOrderId, "payment_id": razorpayPaymentId }, signature, secret);

import (
	"crypto/hmac"
	"crypto/sha256"
	"crypto/subtle"
	"encoding/hex"
	"fmt"
)

func main()  {
	signature := "477d1cdb3f8122a7b0963704b9bcbf294f65a03841a5f1d7a4f3ed8cd1810f9b"
	secret := "qp3zKxwLZxbMORJgEVWi3Gou"
	data := "order_J2AeF1ZpvfqRGH|pay_J2AfAxNHgqqBiI"
	//fmt.Printf("Secret: %s Data: %s\n", secret, data)
	
	// Create a new HMAC by defining the hash type and the key (as byte array)
	h := hmac.New(sha256.New, []byte(secret))
	
	// Write Data to it
	_, err := h.Write([]byte(data))
	
	if err != nil {
		panic(err)
	}
	
	// Get result and encode as hexadecimal string
	sha := hex.EncodeToString(h.Sum(nil))
	
	fmt.Printf("Result: %s\n", sha)
	
	if subtle.ConstantTimeCompare([]byte(sha), []byte(signature)) == 1 {
		fmt.Println("Works")
	}
}

1.5 Integrate Payments Rainy Day Kit

Use Payments Rainy Day kit to overcome payments exceptions such as:

1.6 Verify Payment Status

Handy TipsOn the Razorpay Dashboard, ensure that the payment status is captured. Refer to the payment capture settings page to know how to capture payments automatically.

You can track the payment status in three ways:

Verify Status from Dashboard
Subscribe to Webhook Events
Poll APIs

To verify the payment status from the Razorpay Dashboard:

Log in to the Razorpay Dashboard and navigate to Transactions → Payments.
Check if a Payment Id has been generated and note the status. In case of a successful payment, the status is marked as Captured.

Next Steps

Step 2: Test Integration

​Collect Flow Integration

​1.1 Create an Order

​Razorpay Postman Public Workspace

​API Sample Code

​1.2 Create a Payment

​Request Parameters

​1.3 Handle Payment Success and Error Events

​Success Callback

​Failure Callback

​1.4 Verify Payment Signature

​Generate Signature on your Server

​1.5 Integrate Payments Rainy Day Kit

​1.6 Verify Payment Status

​Example

​Next Steps

Collect Flow Integration

1.1 Create an Order

Razorpay Postman Public Workspace

API Sample Code

1.2 Create a Payment

Request Parameters

1.3 Handle Payment Success and Error Events

Success Callback

Failure Callback

1.4 Verify Payment Signature

Generate Signature on your Server

1.5 Integrate Payments Rainy Day Kit

1.6 Verify Payment Status

Example

Next Steps