> ## 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. # TPV S2S Integration - Netbanking > Know how we support Third-Party Validation (TPV) on S2S Integration with the netbanking payment method.
Available in 🇮🇳 India
In the TPV integration flow, Razorpay maps the customer's bank accounts so that the payment is processed only from their registered bank accounts. ## Prerequisites * Contact our [Support Team](https://razorpay.com/support/#raise-a-request) to get this feature enabled for your account. * Keep the API key (combination of `Key_Id` and `Key_Secret`) handy for integration. * [Generate API Keys from the Dashboard](/docs/api/authentication#generate-api-keys) if you have not done already. * Configure the [payment capture settings](/docs/payments/payments/capture-settings) on the Dashboard. ## Integration Given below are the steps: 1. [Collect Customer Bank Account Details](#step-1-collect-customer-bank-account-details) 2. [Create an Order](#step-2-create-an-order) 3. [Create a Payment](#step-3-create-a-payment) 4. [Store Fields in Your Server](#step-4-store-fields-in-your-server) 5. [Verify the Signature](#step-5-verify-the-signature) ### Step 1: Collect Customer Bank Account details Collect the customer's bank details or UPI ID at the time of registration. ### Step 2: Create an Order Pass the bank account details to the `bank_account` array of the Orders API: `POST /orders` Given below is the sample code when `method` is `netbanking`. ```bash Curl theme={null} curl -u : \ -X POST https://api.razorpay.com/v1/orders \ -H "Content-Type: application/json" \ -d '{ "amount": 100, "method": "netbanking", "receipt": "BILL13375649", "currency": "INR", "bank_account": { "account_number": "765432123456789", "name": "Gaurav Kumar", "ifsc": "HDFC0000053" } }' ``` ```java Java theme={null} RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]"); JSONObject orderRequest = new JSONObject(); orderRequest.put("amount", 100); // amount in the smallest currency unit orderRequest.put("currency", "INR"); orderRequest.put("receipt", "BILL13375649"); orderRequest.put("method", "netbanking"); JSONObject bank_account = new JSONObject(); bank_account.put("account_number", "765432123456789"); bank_account.put("name", "Gaurav Kumar"); bank_account.put("ifsc, "HDFC0000053"); orderRequest.put("bank_account", bank_account); Order order = razorpayclient.orders.create(orderRequest); System.out.print(order); ``` ```python Python theme={null} import razorpay client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET")) client.order.create({ { "amount": 100, "method": "netbanking", "receipt": "BILL13375649", "currency": "INR", "bank_account": { "account_number": "765432123456789", "name": "Gaurav Kumar", "ifsc": "HDFC0000053" } }) ``` ```php PHP theme={null} $api = new Api($key_id, $secret); $api->order->create(array('amount' => 100, 'receipt' => 'BILL13375649', 'method' => 'netbanking', 'currency' => 'INR', 'bank_account'=> array('account_number'=> '765432123456789','name'=> 'Gaurav Kumar','ifsc'=>'HDFC0000053'))); ``` ```csharp .NET theme={null} RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]"); Dictionary orderRequest = new Dictionary(); orderRequest.Add("amount", 100); orderRequest.Add("method", "netbanking"); orderRequest.Add("currency", "INR"); orderRequest.Add("receipt", "receipt#1"); Dictionary bankAccount = new Dictionary(); bankAccount.Add("account_number","765432123456789"); bankAccount.Add("name","Gaurav Kumar"); bankAccount.Add("ifsc","HDFC0000053"); orderRequest.Add("bank_account", bankAccount); Order order = client.Order.Create(orderRequest); ``` ```ruby Ruby theme={null} require "razorpay" Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET') para_attr = { "amount": 100, "method": "netbanking", "receipt": "BILL13375649", "currency": "INR", "bank_account": { "account_number": "765432123456789", "name": "Gaurav Kumar", "ifsc": "HDFC0000053" } } Razorpay::Order.create(para_attr) ``` ```javascript Node.js theme={null} var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' }) instance.orders.create({ "amount": 100, "method": "netbanking", "receipt": "BILL13375649", "currency": "INR", "bank_account": { "account_number": "765432123456789", "name": "Gaurav Kumar", "ifsc": "HDFC0000053" } }) ``` ```go Go theme={null} import ( razorpay "github.com/razorpay/razorpay-go" ) client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET") data := map[string]interface{}{ "amount": 100, "method": "netbanking", "receipt": "BILL13375649", "currency": "INR", "bank_account": map[string]interface{}{ "account_number": "765432123456789", "name": "Gaurav Kumar", "ifsc": "HDFC0000053", }, } body, err := client.Order.Create(data, nil) ``` ```json Response theme={null} { "id": "order_GAWN9beXgaqRyO", "entity": "order", "amount": 100, "amount_paid": 0, "amount_due": 500, "currency": "INR", "receipt": "BILL13375649", "offer_id": null, "status": "created", "attempts": 0, "notes": [], "created_at": 1573044247 } ``` If the user selects the payment method within the Razorpay UI, there is no need to include the `method` field. Below is a sample code for reference. ```bash Curl theme={null} curl -u : \ -X POST https://api.razorpay.com/v1/orders \ -H "Content-Type: application/json" \ -d '{ "amount": 100, "receipt": "BILL13375649", "currency": "INR", "bank_account": { "account_number": "765432123456789", "name": "Gaurav Kumar", "ifsc": "HDFC0000053" } }' ``` ```java Java theme={null} RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]"); JSONObject orderRequest = new JSONObject(); orderRequest.put("amount",100); 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); ``` ```python Python theme={null} import razorpay client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET")) client.order.create({ "amount": 100, "currency": "INR", "receipt": "receipt#1", "partial_payment":False, "notes": { "key1": "value3", "key2": "value2" } }) ``` ```php PHP theme={null} $api = new Api($key_id, $secret); $api->order->create(array('receipt' => '123', 'amount' => 100, 'currency' => 'INR', 'notes'=> array('key1'=> 'value3','key2'=> 'value2'))); ``` ```csharp .NET theme={null} RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]"); Dictionary orderRequest = new Dictionary(); orderRequest.Add("amount", 100); orderRequest.Add("currency", "INR"); orderRequest.Add("receipt", "receipt#1"); Dictionary notes = new Dictionary(); 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); ``` ```ruby Ruby theme={null} require "razorpay" Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET') para_attr = { "amount": 100, "currency": "INR", "receipt": "receipt#1", "notes": { "key1": "value3", "key2": "value2" } } Razorpay::Order.create(para_attr) ``` ```javascript Node.js theme={null} var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' }) instance.orders.create({ "amount": 100, "currency": "INR", "receipt": "receipt#1", "partial_payment": false, "notes": { "key1": "value3", "key2": "value2" } }) ``` ```go Go theme={null} import ( razorpay "github.com/razorpay/razorpay-go" ) client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET") data := map[string]interface{}{ "amount": 100, "currency": "INR", "receipt": "some_receipt_id", "partial_payment": false, "notes": map[string]interface{}{ "key1": "value1", "key2": "value2", }, } body, err := client.Order.Create(data, nil) ``` ```json Response theme={null} { "id": "order_GAWRjlWkVcRh0V", "entity": "order", "amount": 100, "amount_paid": 0, "amount_due": 100, "currency": "INR", "receipt": "BILL13375649", "offer_id": null, "status": "created", "attempts": 0, "notes": [], "created_at": 1573044206 } ``` `amount` *mandatory* : `integer` The transaction amount expressed in paise (currency supported is INR). For example, for an actual amount of ₹1, the value of this field should be `100`. `currency` *mandatory* : `string` The currency in which the transaction should be made. You can create orders in **INR** only. `receipt` *optional* : `string` Receipt number that corresponds to this order, set for your internal reference. 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”`. `method` *mandatory* : `string` The payment method used to make the payment. If this parameter is not passed, investors will be able to make payments using both netbanking and UPI payment methods. Possible values: * `netbanking`: Investors can make payments only using netbanking. * `card`: Investors can make payments using debit card. * `upi`: Investors can make payments only using UPI. `bank_account` *mandatory* : `object` Details of the bank account that the investor has provided at the time of registration. `account_number` *mandatory* : `string` The bank account number from which the investor should make the payment. For example, `765432123456789` Payments will not be processed for an incorrect account number. `name` *mandatory* : `string` The name linked to the bank account. For example, `Gaurav Kumar`. `ifsc` *mandatory* : `string` The bank IFSC. For example, `HDFC0000053`. ### Step 3: Create a Payment `POST /payments/create/json` ```bash Curl theme={null} curl -u : \ -X POST https://api.razorpay.com/v1/payments/create/json \ -H "Content-Type: application/json" \ -d '{ "amount": "100", "currency": "INR", "email": "gaurav.kumar@example.com", "contact": "9000090000", "order_id": "order_GAWN9beXgaqRyO", "method": "netbanking", "bank": "HDFC" }' ``` ```java Java theme={null} RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]"); JSONObject paymentRequest = new JSONObject(); paymentRequest.put("amount", 100); paymentRequest.put("currency", "INR"); paymentRequest.put("email", "gaurav.kumar@example.com"); paymentRequest.put("contact", "9000090000"); paymentRequest.put("order_id", "order_GAWN9beXgaqRyO"); paymentRequest.put("method", "netbanking"); paymentRequest.put("bank", "HDFC"); Payment payment = instance.payments.createJsonPayment(paymentRequest); ``` ```python Python theme={null} import razorpay client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET")) client.payment.createPaymentJson({ 'amount': '100', 'currency': 'INR', 'email': 'gaurav.kumar@example.com', 'contact': '9000090000', 'order_id': 'order_GAWN9beXgaqRyO', 'method': 'netbanking', 'bank': 'HDFC', }) ``` ```php PHP theme={null} $api = new Api($key_id, $secret); $api->payment->createPaymentJson(array('amount' => 100,'currency' => 'INR','email' => 'gaurav.kumar@example.com','contact' => '9000090000','order_id' => 'order_GAWN9beXgaqRyO','method' => 'netbanking', 'bank'=>'HDFC')); ``` ```csharp .NET theme={null} RazorpayClient client = new RazorpayClient(your_key_id, your_secret); Dictionary paymentRequest = new Dictionary(); paymentRequest.Add("amount",100); paymentRequest.Add("currency","INR"); paymentRequest.Add("email", "gaurav.kumar@example.com"); paymentRequest.Add("contact", "9000090000"); paymentRequest.Add("order_id", "order_GAWN9beXgaqRyO"); paymentRequest.Add("method", "netbanking"); paymentRequest.Add("bank", "HDFC"); Payment payment = client.Payment.CreateJsonPayment(paymentRequest); ``` ```ruby Ruby theme={null} require "razorpay" Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET') param_attr = { "amount": "100", "currency": "INR", "email": "gaurav.kumar@example.com", "contact": "9000090000", "order_id": "order_GAWN9beXgaqRyO", "method": "netbanking", "bank": "HDFC" } Razorpay::Payment.create_json_payment(param_attr) ``` ```javascript Node.js theme={null} var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' }) instance.payments.createPaymentJson({ "amount": "100", "currency": "INR", "email": "gaurav.kumar@example.com", "contact": "9000090000", "order_id": "order_GAWN9beXgaqRyO", "method": "netbanking", "bank": "HDFC" }); ``` ```go Go theme={null} import ( razorpay "github.com/razorpay/razorpay-go" ) client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET") para_attr: = map[string] interface {} { "amount": "100", "currency": "INR", "email": "gaurav.kumar@example.com", "contact": "9000090000", "order_id": "order_GAWN9beXgaqRyO", "method": "netbanking", "bank": "HDFC", } body, err: = client.Payment.CreatePaymentJson(para_attr, nil) ``` ```json Response theme={null} { "razorpay_payment_id": "pay_GAWOYqPlvrtPSi", "next": [ { "action": "redirect", "url": "https://api.razorpay.com/v1/payments/pay_GAWOYqPlvrtPSi/authorize" } ] } ``` #### Request Parameters `amount` *mandatory* : `integer` The transaction amount expressed in paise (currency supported is INR). For example, for an actual amount of ₹1, this field's value should be `100`. `currency` *mandatory* : `string` The currency in which the transaction should be made. You can create Orders in **INR** only. `order_id` *mandatory* : `string` Unique identifier of the order created in the previous step. `method` *mandatory* : `string` The payment method used to make the payment. Possible value: `netbanking` `bank` *mandatory* : `string` The customer's bank code. For example, `HDFC`. `email` *mandatory* : `string` The customer's email address. `contact` *mandatory* : `string` The customer's phone number. #### Response Parameters If the payment request is valid, the response contains the following fields: `razorpay_payment_id` : `string` Unique identifier of the payment. Present for all responses. `next` : `array` A list of action objects available to you to continue the payment process. Present when the payment requires further processing. `action` : `string` An indication of the next step available to you to continue the payment process. Possible values: * `redirect` - Use this URL to redirect the customer to the bank page. * `poll` - A payment request notification is sent to the customer's UPI PSP app. `url` : `string` URL to be used for the action indicated. ### Step 4: Store Fields in Your Server A successful payment returns the following fields to the Checkout form. * You need to store these fields in your server. * You can confirm the authenticity of these details by verifying the signature in the next step. ```json Success Callback theme={null} { "razorpay_payment_id": "pay_29QQoUBi66xm2f", "razorpay_order_id": "order_9A33XWu170gUtm", "razorpay_signature": "9ef4dffbfd84f1318f6739a3ce19f9d85851857ae648f114332d8401e0949a3d" } ```
`razorpay_payment_id` : `string` Unique identifier for the payment returned by Checkout **only** for successful payments. `razorpay_order_id` : `string` Unique identifier for the order returned by Checkout. `razorpay_signature` : `string` Signature returned by the Checkout. This is used to verify the payment. ### Step 5: Verify the Signature This is a mandatory step to confirm the authenticity of the details returned to the Checkout form for successful payments. 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. * `key_secret`: Available in your server. The `key_secret` that was generated from the [Dashboard](/docs/payments/dashboard/account-settings/api-keys#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, 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. Given below is the sample code for payment signature verification: ```java Java theme={null} RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_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); ``` ```php PHP theme={null} $api = new Api($key_id, $secret); $api->utility->verifyPaymentSignature(array('razorpay_order_id' => $razorpayOrderId, 'razorpay_payment_id' => $razorpayPaymentId, 'razorpay_signature' => $razorpaySignature)); ``` ```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) ``` ```python Python theme={null} 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 }) ``` ```c .NET theme={null} RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]"); Dictionary options = new Dictionary(); options.Add("razorpay_order_id", "order_IEIaMR65cu6nz3"); options.Add("razorpay_payment_id", "pay_IH4NVgf4Dreq1l"); options.Add("razorpay_signature", "0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50f"); Utils.verifyPaymentSignature(options); ``` ```javascript Node.js theme={null} var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' }) var { validatePaymentVerification, validateWebhookSignature } = require('./dist/utils/razorpay-utils'); validatePaymentVerification({"order_id": razorpayOrderId, "payment_id": razorpayPaymentId }, signature, secret); ``` ```go Go theme={null} import ( razorpay "github.com/razorpay/razorpay-go" ) client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET") params := map[string]interface{}{ "razorpay_order_id": "order_IEIaMR65cu6nz3", "razorpay_payment_id": "pay_IH4NVgf4Dreq1l", } signature := "0d4e745a1838664ad6c9c9902212a32d627d68e917290b0ad5f08ff4561bc50f"; secret := "EnLs21M47BllR3X8PSFtjtbd"; utils.VerifyPaymentSignature(params, signature, secret) ``` After you have completed the integration, you can [set up webhooks](/docs/webhooks/setup-edit-payments), make test payments, replace the test key with the live key and integrate with other [APIs](/docs/api). ### Payment Capture Settings After payment is `authorized`, you need to capture it to settle the amount to your bank account as per the settlement schedule. Payments that are not captured are auto-refunded after a fixed time. **Watch Out** * You should deliver the products or services to your customers only after the payment is captured. Razorpay automatically refunds all the uncaptured payments. * You can track the payment status using our [Fetch a Payment API](/docs/api/payments#fetch-a-payment) or webhooks. Authorized payments can be automatically captured. You can auto-capture all payments [using global settings](/docs/payments/payments/capture-settings#auto-capture-all-payments) on the Razorpay Dashboard. Know more about [capture settings for payments](/docs/payments/payments/capture-settings). **Watch Out!** Payment capture settings work only if you have integrated with Orders API on your server side. Know more about the [Orders API](/docs/api/orders/create). Each authorized payment can also be captured individually. You can manually capture payments using [Payment Capture API](/docs/api/payments/capture) or [Dashboard](/docs/payments/payments/dashboard#manually-capture-payments). Know more about [capture settings for payments](/docs/payments/payments/capture-settings). ### Related Information * [Webhooks](/docs/webhooks) (Recommended) * [Error Codes](/docs/errors) (Recommended) * [How Payment Gateway Works](/docs/payments/payment-gateway/how-it-works) * [Payment States](/docs/payments/payments) * [Settlements](/docs/payments/settlements) * [Refunds](/docs/payments/refunds)