Payment api v2.

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CONTENTS

1 Overview ..................................................................................................................................... 3
1.1 Related Documentation ......................................................................................................... 3
2 Implementation Details ................................................................................................................ 3
2.1 Accept Payment .................................................................................................................... 3
2.1.1 Request .......................................................................................................................... 3
2.1.2 Response ........................................................................................................................ 7
2.2 Process Payment ................................................................................................................... 9
2.2.1 Request .......................................................................................................................... 9
2.2.2 Response ...................................................................................................................... 14
2.3 Browser Redirect Response ................................................................................................. 17
2.3.1 Form Post Response Payload ....................................................................................... 17
3 Master codes.............................................................................................................................. 21
3.1.1 Net banking codes ........................................................................................................ 21
3.1.2 Wallet codes ................................................................................................................. 22
3.1.3 Payment Modes............................................................................................................ 22
3.1.4 Transaction Status ........................................................................................................ 22

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1 Overview

This document explains how to integrate the Pine Labs edge payment gateway in redirect or seamless
mode.

1.1 Related Documentation

This guide should be used together with the additional documents as described below.

Document Description
HashGeneration Describes about hash generation
algorithm
ResponseCodeList Listing of transaction response codes

2 Implementation Details

Below apis are need to be integrated.

2.1 Accept Payment

It initiates the transaction. Merchant has to pass unique merchant txn reference number, amount and
other parameters.

2.1.1 Request

2.1.1.1 Content Type & URL’s

Content Type application/json

UAT https://uat.pinepg.in/api/v2/accept/payment
Production https://pinepg.in/api/v2/accept/payment

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 2.1.1.2 Request Headers

HEADERS:

Header name Header value

Content-Type application/json
X-VERIFY SHA256of (Base64 request encoded
payload)

2.1.1.3 Body Param

Parameter Name Type Description Mandatory(M)/Optional

merchant_data Object It contains merchant data M
payment_data Object It contains payment related M
data
txn_data Object It contains transaction M
related data
customer_data Object It contains information O
about customer data.

Merchants who are on

aggregator model must
pass this data
udf_data Object It contains user defined O
fields. Merchant can pass
it transaction specific data
in these fields

merchant_data

Parameter Name Type Description

Mandatory(M)/Optional/Conditional
merchant_id int Merchant id M
provided by pine
labs
merchant_access_code string Merchant access M
code provided by
pine labs
unique_merchant_txn_id string Unique M
transaction id
maintained by
merchant for
each transaction
merchant_return_url string Merchant return C
url on which
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 browser response
will be sent.

Mandatory in the
case of EMI,
Cards,
Netbanking

payment_data

Parameter Name Type Description

Mandatory(M)/Optional
amount_in_paisa long Transaction amount in M
paise

txn_data

Parameter Name Type Description

Mandatory(M)/Optional
navigation_mode int Navigation mode M
2 for Redirect
7 for Seamless
payment_mode String It will contain csv of M
valid payment mode
Ids.
In case of seamless
mode only single
payment mode to be
specified.
transaction_type Integer 1 for ‘Purchase’, M
8 for ‘PreAuth
time_stamp Long Unix timestamp O

customer_data

Parameter Name Type Description

Mandatory(M)/Optional
email_id string Customer email id O
first_name string Customer first name O
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last_name string Customer last name O
customer_id string Customer id O
maintained at
merchant end
mobile_no string 10 digit mobile O
number
billing_data Object Customer billing O
address details
shipping_data Object Customer Shipping O
address details

udf_data

Parameter Name Type Description

Mandatory(M)/Optional
udf_field_1 string User defined Fields O
udf_field_2 string User defined Fields O
udf_field_3 string User defined Fields O
udf_field_4 string User defined Fields O
udf_field_5 string User defined Fields O

billing_data

Parameter Name Type Description

Mandatory(M)/Optional
address1 string Address 1 O
address2 string Address 2 O
address3 string Address 3 O
pincode string Pin code O
city string City name O
state string State name O
country string Country name O

shipping_data

Parameter Name Type Description

Mandatory(M)/Optional
first_name String First name entered in O
shipping address
last_name String Last name entered in O
shipping address
mobile_no string Mobile number O
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 entered in shipping
address
address1 string Address 1 O
address2 string Address 2 O
address3 string Address 3 O
pincode string Pin code O
city string City name O
state string State name O
country string Country name O

2.1.1.4 Sample Request

Json Payload
{
"merchant_data": {
"merchant_id": 3473,
"merchant_access_code": "57e39383-b053-4db9-a708-26d8971886e7",
"unique_merchant_txn_id": "testorder786",
"merchant_return_url": "http://localhost:53132/ChargingResp.aspx"
},
"payment_data": {
"amount_in_paisa": 1100000
},
"txn_data": {
"navigation_mode": "7",
"payment_mode": "4",
"transaction_type": "1",
"time_stamp": 157588000000
}
}

BASE 64 encoded request

{

"request": "ewogICJtZXJjaG-
FudF9kYXRhIjogewogICAgIm1lcmNoYW50X2lkIjogMzQ3MywKICAgICJtZXJjaGFudF9hY2Nlc3NfY29kZSI6ICI1N
2UzOTM4My1iMDUzLTRkYjktYTcwOC0yNmQ4OTcxODg2ZTciLAogICAgInVuaXF1ZV9tZXJjaGFudF90eG5faWQiOiAi
dGVzdG9yZGVyNzg2IiwKICAgICJtZXJjaGFudF9yZXR1cm5fdXJsIjogImh0dHA6Ly9sb2NhbGhvc3Q6NTMxMzIvQ2h
hcmdpbmdSZXNwLmFzcHgi-
gi-
CiAgfSwKICAicGF5bWVudF9kYXRhIjogewogICAgImFtb3VudF9pbl9wYWlzYSI6IDExMDAwMDAKICB9LAogICJ0eG5
fZGF0YSI6IHsKICAgICJuYXZpZ2F0aW9uX21vZGUiOiAiNyIsCiAgICAicGF5bWVudF9tb2RlIjogIjQiLAogICAgIn
RyYW5zYWN0aW9uX3R5cGUiOiAiMSIsCiAgICAidGltZV9zdGFtcCI6IDE1NzU4ODAwMDAwMAogIH0KfQo= "

2.1.2 Response

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 2.1.2.1 Params

Parameter Name Type Description

response_code int It notifies the result of api

processing. Value 1 denotes
success.
response_message string It denotes the message
corresponding to above code
token string It is the token created for a
transaction. You need to pass it in
the subsequent calls.
redirect_url String Redirect url on which customer
needs to be redirected. This
parameter will be present only in
redirect mode.

2.1.2.2 Sample Response

Redirect mode
{
"token": "ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4%3d",
"response_code": 1,
"response_message": "SUCCESS",
"redirect_url":
"http://hostname:port/api/v2/process/payment?token=ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4%
3d "

In redirect mode api will return a url on which customer needs to be redirected. Pine Labs
payment page will get open after redirection.

Seamless mode

{
"token": "ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4%3d",
"response_code": 1,
"response_message": "SUCCESS"
}
In seamless mode api will not a redirect url and subsequent api needs to be called.

Failure response

{
"response_code": -1,
"response_message": "FAILURE",
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 }

2.2 Process Payment

Payment data against transaction will be passed in this call. This api will be called in seamless
mode.

Token receieved in previous call needs to be part of this call.

api/v2/process/payment?token= ubrjAgbVaJVrGz67y%2fZCjCveYWNymE7ULAlOO7FCbz4%3d "

2.2.1 Request

Content Type application/json

UAT https://uat.pinepg.in/api/v2/process/payment?token=BJ5Dj5o
5dh6jZaWCTAv%2fnwJj0h%2f3Eiq2HgY14%2fMOP7k%3d

Production https://pinepg.in/api/v2/process/payment?token=BJ5Dj5o5dh
6jZaWCTAv%2fnwJj0h%2f3Eiq2HgY14%2fMOP7k%3d

2.2.1.1 Body Params

Parameter Name Type Description Mandatory/Optional/Cond

itional
card_data Object It contains card data. C
It is mandatory for cards and
EMI transaction
emi_data Object It contains EMI data. C

Mandatory for EMI

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 transaction
netbanking_data Object It contains net banking C
codes.
Mandatory for net banking
transaction
wallet_data Object It contains wallet C
information.
Mandatory for wallet
transaction
additional_data Object Reserved for Future Use C
card_data

Parameter Name Type Description Mandatory/Optional/Con

ditional
card_number String Card number M
card_expiry_year String Card expiry year having M
format YYYY
card_expiry_month String Card expiry month having M
format MM
card_holder_name String Card holder name M
cvv String Card CVV M

netbanking_data

Parameter Name Type Description Mandatory/Optional/Conditional

pay_code String Net banking Codes M

wallet_data

Parameter Name Type Description Mandatory/Optional/Conditional

wallet_code String Wallet codes M

mobile_number String Mobile number C
associated with wallet

upi_data

Parameter Name Type Description Mandatory/Optional/Conditional

vpa String Customer VPA C

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mobile_no String Mobile number C
associated with Gpay
upi_option String It will have values M
 UPI
 GPAY

nbfc_data

Parameter Name Type Description Mandatory/Optional/Conditional

bfl_data Object Object will contain C

bfl parameter
zestMoney_data Object Object will contain C
zest money parameter

bfl_data

Parameter Name Type Description Mandatory/Optional/Conditional

Scheme_code String Scheme code M

provided by bfl for
a particular tenure
card_number String Card number M
registered with
NBFC vendor
tenure_in_months int EMI tenure M
is_terms_conditions_agreed bool Customer need to M
agree with terms &
condition. Its value
must be true

zestMoney_data

Parameter Name Type Description Mandatory/Optional/Conditional

mobile_no String 10 digit mobile M

number registered
with NBFC

additional_data

Parameter Name Type Description

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mobile_number string 10 digit mobile number

emi_data

Parameter Name Type Description

offer_scheme Object It contains information about offer

applicable on each product
tenure_id Int Tenure Id specified at pine labs end
tenure_in_month String Tenure name specified at pine labs
end
monthly_installment Long Emi amount in paise
bank_interest_rate Long Interest rate for which bank emi is
calculated. Its value is percentage
multiplied by 10000
interest_pay_to_bank Long Interest pay to bank in paise
total_offerred_discount_cashback_amount Long Total sum of discount applicable on
cart. It is in paise.
loan_amount Long Amount in paise on which loan will
be booked
auth_amount Long Bank authorization amount in paise

offer_scheme

Parameter Name Type Description

product_details Array of It contains information about

objects product.
emi_scheme Object It contains information about bank
EMI scheme.

product_details

Parameter Name Type Description

product_code String Product code

product_amount Long Product amount in paise
subvention_cashback_discount Long Subvention discount cashback
amount in paise. Only applicable
when subvention is present.
product_discount Long Product discount amount in paise.
Only applicable if product
discount is present
subvention_cashback_discount_percentage Long Subvention discount cashback
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 percentage. Its value is percentage
multiplied by 10000.
product_discount_percentage Long Product discount cashback
percentage. Its value is percentage
multiplied by 10000.
subvention_type Int It tells offer type.
1-No cost EMI
2-Low cost EMI
3-Standard EMI
additional_cashback String Additional cashback text
bank_interest_rate Long Amount in paise
bank_interest_rate_percentage Long Percentage multiplied by 10000
schemes Array of It contains list of program
objects applicable on product.

emi_scheme
Parameter Name Type Description
scheme_id Long It tells scheme id applicable on
product
program_type Int It tells scheme of which type.
105-Bank EMI
108-Product discount
112-Subvention discount
is_scheme_valid Bool Is scheme is valid

Schemes

Parameter Name Type Description

scheme_id Long It tells scheme id applicable on
product
program_type Int It tells scheme of which type.
105-Bank EMI
108-Product discount
112-Subvention discount
is_scheme_valid Bool Is scheme is valid

2.2.1.2 Sample request

2.2.1.2.1 EMI Sample Request

{"card_data":{"card_number":"4012001037141112","card_expiry_year":"2020","card_expiry_month":"09","card_holder_
name":"harsh","cvv":"123"},"emi_data":{"offer_scheme":{"product_details":[{"schemes":[{"scheme_id":1682,"program_t
ype":112,"is_scheme_valid":true}],"product_code":"SM-
G975FCWG","product_amount":550000,"subvention_cashback_discount":60209,"product_discount":0,"subvention_cashb
ack_discount_percentage":0,"product_discount_percentage":0,"subvention_type":1},{"schemes":[],"product_code":"40","p
roduct_amount":550000,"subvention_cashback_discount":0,"product_discount":0,"subvention_cashback_discount_percent
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age":0,"product_discount_percentage":0}],"emi_scheme":{"scheme_id":1683,"program_type":105,"is_scheme_valid":true
}},"tenure_id":"18","tenure_in_month":"18","monthly_installment":64867,"bank_interest_rate":150000,"interest_pay_to_b
ank":127815,"total_offerred_discount_cashback_amount":60209,"loan_amount":1039791,"auth_amount":1039791}}

2.2.1.2.2 Card Sample Request

{"card_data":{"card_number":"4012001037141112","card_expiry_year":"2019","card_expiry_month":"12","card_holder_
name":"harsh","cvv":"123"}}

2.2.1.2.3 Net banking Sample Request

{"netbanking_data":{"pay_code":"NB1033"}}

2.2.1.2.4 Wallet Sample Request

{"wallet_data":{"wallet_code":"payzapp","mobile_number":"9899189287"}}

2.2.1.2.5 UPI/GPay Sample Request

2.2.1.2.5.1 UPI
{ "upi_data": { "vpa": "test@upi", "upi_option": "UPI " } }

2.2.1.2.5.2 GPAY

{ "upi_data": { "mobile_no": "9999999999", " upi_option": "GPAY" } }

2.2.1.2.6 NBFC Sample Request

2.2.1.2.6.1 BFL

{ "nbfc_data": { "vendor_name": "BFL", "bfl_data": { "scheme_code": "1234455", "card_number": "

2030400291114454", "tenure_in_months": 3, "is_terms_conditions_agreed":true } } }

2.2.1.2.6.2 Zest Money

{ "nbfc_data": { "vendor_name": "ZEST", "zestMoney_data": { "mobile_no": "9999999999" } } }

2.2.2 Response

2.2.2.1 Params

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Parameter Name Type Description

response_code int It notifies the result of api

processing. Value 1 denotes
success.
response_message string It denotes the message
corresponding to above code
redirect_url String Customer should be redirected to
below url.
api_url String Api url on which you need to make
subsequent request
offer_scheme Object It contains information about offer
applicable on each product

offer_scheme

Parameter Name Type Description

product_details Array of It contains information about

objects product.
emi_scheme Object It contains information about bank
EMI scheme.

product_details

Parameter Name Type Description

product_code String Product code

product_amount Long Product amount in paise
subvention_cashback_discount Long Subvention discount cashback
amount in paise. Only applicable
when subvention is present.
product_discount Long Product discount amount in paise.
Only applicable if product
discount is present
subvention_cashback_discount_percentage Long Subvention discount cashback
percentage. Its value is percentage
multiplied by 10000.
product_discount_percentage Long Product discount cashback
percentage. Its value is percentage
multiplied by 10000.
subvention_type Int It tells offer type.
1-No cost EMI
2-Low cost EMI
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 3-Standard EMI
additional_cashback String Additional cashback text
schemes Array of It contains list of program
objects applicable on product.

emi_scheme
Parameter Name Type Description
scheme_id Long It tells scheme id applicable on
product
program_type Int It tells scheme of which type.
105-Bank EMI
108-Product discount
112-Subvention discount
is_scheme_valid Bool Is scheme is valid

Schemes

Parameter Name Type Description

scheme_id Long It tells scheme id applicable on
product
program_type Int It tells scheme of which type.
105-Bank EMI
108-Product discount
112-Subvention discount
is_scheme_valid Bool Is scheme is valid
reasons Array of Description for failure of schemes
object

Reasons

Parameter Name Type Description

reason_code int It denotes the reason code
reason_message String It denotes the reason message
again the code

2.2.2.2 Sample Response

2.2.2.2.1 Successful response for Cards, EMI, Netbanking and Wallets for process payment api

{ "response_code": 1, "response_message": "SUCCESS", "redirect_url":

"http://hostname:port/pinepg/v2/process/payment?token=848RFsu%2bRnNcSsaZdzEgkeosvCc2o5lK
TV4uKJF%2fcjE%3d" }

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Merchant application needs to redirect to url received in response.

2.2.2.2.2 Successful response for UPI for process payment api

{ "response_code": 1, "response_message": "SUCCESS", }

After receving successful response, customer will receive payment notification on his/her PSP app.

Final response of transaction will be posted as a S2S response on merchant’s callback url.

2.2.2.2.3 Successful response for NBFC(BFL & Zest Money)

{ "api_url":
"http://environment/api/v2/validate/otp?token=Ml25pp7jQ87lWWlUpILdAa1yn
3LGjXPA%2fvNQk1A68uw%3d", "response_code": 1, "response_message":
"SUCCESS" }
2.2.2.2.4 Failure Response

{ "offer_scheme": { "product_details": [ { "schemes": [ { "scheme_id": 8055, "program_type": 112, "is_scheme_valid":

true }, { "scheme_id": 8042, "program_type": 108, "is_scheme_valid": false, "reasons": [ { "reason_code": -298, "rea-
son_message": "OUTDATED_SCHEME_PRESENT" } ] } ], "product_code": "SM-G950FZKDINS", "product_amount":
550000, "subvention_cashback_discount": 9675, "product_discount": 100000, "subven-
tion_cashback_discount_percentage": 21500, "product_discount_percentage": 100000, "subvention_type": 1 }, {
"schemes": [], "product_code": "6504", "product_amount": 4500000, "subvention_cashback_discount": 0, "prod-
uct_discount": 0, "subvention_cashback_discount_percentage": 0, "product_discount_percentage": 0 } ], "emi_scheme": {
"scheme_id": 8056, "program_type": 105, "is_scheme_valid": true } }, "response_code": -289, "response_message":
"SCHEME VALIDATION FAILED" }

2.3 Browser Redirect Response

2.3.1 Form Post Response Payload

Key Value Details

merchant_id Integer In response you can see the merchant

id which you have sent as one of the
parameter in Pine Labs payment
gateway API request parameters.

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merchant_access_code String In response you can find the merchant
access code which you have sent as
one of the parameter.

unique_merchant_txn_id String. Max In response you can find the merchant

length 99 unique transaction Id which you have
sent as one of the parameter.

pine_pg_txn_status Integer Transaction status

txn_completion_date_time DateTime The date-time of the

transaction completion at
Pine Labs payment gateway server.

amount_in_paisa Long It is the amount for which payment

transaction is being done.

txn_response_code Integer Represent the response of the API

request and response code is
returned based on the transaction
result.

txn_response_msg String Transaction response

acquirer_name String Acquirer Bank

pine_pg_transaction_id Long Unique transaction id generated by

Pine Labs

payment_mode Integer Payment mode chosen at landing

page.

dia_secret String Hash of response

parameters. Please refer to
HashGeneration document.

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 Pine Labs payment gateway creates
the
hash of the
response parameters and
sends this information in
response in tag
dia_secret
Merchant should use this
hash value returned in response to
match
with new secret
generated at its side
using other response
Parameters. If these
two secrets do not match then data is
not authentic.

dia_secret_type String ‘SHA256’ or ‘MD5’ and will

be the same which is
passed in
dia_secret_type
parameter of request

is_bank_emi_txn Bool Flag to indicate Bank EMI

transaction

Flag to indicate Brand EMI

is_brand_emi_txn Bool transaction

emi_tenure_month Integer Tenure month of EMI transaction

emi_principal_amount_in_p Long Principal EMI amount in

aisa Paise

emi_amount_payable_each Monthly Installment

_month_in_paisa Long

Integer Interest rate charged by

bank multiplied by 10000
emi_interest_rate_percent

emi_cashback_type Integer Its value will be 0 or 1

0- Pre cash back
1- Post cash back

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emi_total_discount_cashabc Long Total discount or cashback amount
k_amount_in_paisa applicable in EMI transaction in paise

emi_total_discount_cashbac Integer Total discount or cashback percent

k_percent applicable in EMI transaction
multiplied by 10000

emi_merchant_discount_ca Integer Merchant discount or cashback

shabck_perecent percent applicable in EMI
tranasction multiplied by 10000

emi_merchant_discount_ca Long Merchant fixed discount or

shback_fixed_amount_in_p cashback amount applicable in
aisa EMI transaction in paise

emi_issuer_discount_casha Integer Issuer discount or cashback percent

bck_perecent applicable in EMI transaction
multiplied by 10000

emi_issuer_discount_cashb Long Issuer fixed discount or cashback

ack_fixed_amount_in_paisa amount applicable in EMI
transaction in paise

txn_additional_info String Base64 encoded string

merchant_return_url String Merchant return url
emi_processing_fee long Processing fee amount in paise.
captured_amount_in_paisa long Captured amount for a transaction
refund_amount_in_paisa long Refund amount for a transasction
parent_txn_status Integer Parent txn status
parent_txn_response_code Integer Parent txn response code
parent_txn_response_mess String
age Parent txn response message
issuer_name String Issuing bank name .

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3 Master codes

3.1.1 Net banking codes

Below codes are to be passed in process payment request for seamless integration

PAYMENT_CODE BANK_NAME
NB1001 AXIS Bank
NB1002 HDFC Bank
NB1003 JK Bank
NB1004 ICICI Bank
NB1005 Federal Bank
NB1006 State Bank of India
NB1007 State Bank of Bikaner and Jaipur
NB1008 State Bank of Hyderabad
NB1009 State Bank of Patiala
NB1010 State Bank of Mysore
NB1011 State Bank of Travancore
NB1012 Karnataka Bank
NB1013 Corporation Bank
NB1014 Indian Bank
NB1015 Yes Bank
NB1016 Central Bank
NB1017 Kotak Bank
NB1018 Oriental Bank of Commerce
NB1019 ING Vysya Bank (now Kotak)
NB1020 United Bank Of India
NB1021 Indian Overseas Bank
NB1022 Bank of India
NB1023 City Union Bank
NB1024 Union Bank of India
NB1025 Canara Bank
NB1026 Bank of Maharashtra
NB1027 Catholic Syrian Bank
NB1028 Dhanalakshmi Bank
NB1029 Andhra Bank
NB1030 Vijaya Bank
NB1031 Punjab National Bank
NB1032 UCO Bank
NB1033 IDBI Bank

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3.1.2 Wallet codes

CODE Wallet Name

OXY Oxygen
PAYTM Paytm
PAYZAPP Payzapp
PHONEPE PhonePe

3.1.3 Payment Modes

PAYMENT_MODE_ID PAYMENT_MODE_NAME
1 CREDIT/DEBIT CARD
3 NET BANKING
4 EMI
5 REWARDS
6 EZECLICK
7 THIRD PARTY EMI
8 SI
9 E-MANDATE
10 UPI
11 WALLET
12 BHARAT QR CODE
13 DEBIT+PIN
14 DEBIT EMI

3.1.4 Transaction Status

TXN_STATUS_ID TXN_STATUS_NAME DESCRIPTION

-10 Cancelled when the user cancels the

transaction.

-9 Auth Cancelled Authorisation transaction

has cancelled due to some
reasons e.g.bank session
time out, capture
transaction failed.

-8 Velocity Check Failed Velocity check failed for EMI

transactions

-7 Failure Transaction has failed due

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 to some reasons e.g. bank
session time out,
insufficient funds. Payer
needs to re-
initiate the transaction.

-6 Rejected Transaction has been

rejected.

1 Initiated Pine Labs payment gateway

has not received response
from Payment
Provider/Bank. For all
such transactions, We will
retry the transaction, post
which the transaction status
will be updated to
‘Captured‘ or‘AuthReceived’
or
‘Rejected’.

3 Auth Complete Transaction is now eligible

for 'Capture'. It can be 'Auto-
Captured' by Pine Labs
payment gateway. Or
Merchant can 'Capture' it
using merchant console
post-delivery confirmation.
Transaction which is not
captured within predefined
auth expiry days will be
cancelled.

4 Captured 'Captured' call is successful.

Funds will be transferred to
merchant account.

6 Refunded Refund of the transaction

is successful.

7 Query Complete Query of the transaction is

successful.

8 Partially Captured Auth transaction is partially

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 captured

9 Partially Refunded Transaction is partially

refuned

10 Refund Initiated When refund of aggregator

transaction is initiated

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