Gateways & Aggregators

Gateways supported

Before proceeding to integrate with Juspay, you will have to ensure that the backend PG/Aggregator that you use is ready for this. There are two kinds of payment service providers - bank gateways and aggregators. Banks like HDFC & ICICI provide PG accounts to make your site accept Visa/MasterCard issued cards. Aggregators work with Banks and provide you with the ability to accept Cards & NetBanking as well.

We support both bank gateways and aggregators. The supported list of payment service providers are:

  • Bank Gateways
    • Axis (MIGS & Cybersource)
    • HDFC (FSS)
    • ICICI (IPG)
    • Citi
    • Amex (Amex cards only)
  • Aggregators
    • EBS
    • PayU
    • Citrus
    • CCAvenue_V2
    • Tech Process (TPSL)
    • PayTM
    • Razorpay
    • FSS_ATM_PIN (Debit cards only)
    • EBS_V3
    • HDFC IVR
    • ZAAKPAY

All of these service providers will provide you with an account where Card Details can only be entered in their page. Such an arrangement is to ensure that Security of the Card data is not compromised. In order to be able to use our iFrame to accept card data, these service providers will have to approve of such an integration. This requires some amount of paperwork - mostly digital in nature. Different providers approach this differently and we have tried to compile the steps involved in getting your PG account upgraded.

MIGS

SSL PG account of AXIS must be converted to VPC account. The following steps could help achieve this:

  1. Write to your Relationship Manager asking to upgrade your account to VPC Enabled. Mention that you are using Juspay as the technology company to handle sensitive card data.
  2. Copy us in the email and we will share the required documentation from our side
  3. Axis will enable VPC for your account
  4. Once you have the confirmation from Axis, configure the Axis PG credentials in Juspay Merchant Portal for your merchant account
  5. Do a transaction with real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded

Time taken: 1 - 3 weeks

HDFC

HDFC Bank would give you SSL Gateway by default. In order to use Express Checkout with HDFC, the SSL account must be converted to a TranPortal account. This entails the following:

  1. Write to your Relationship Manager in this regard
  2. Copy us in the email and we will share the required documentation from our side
  3. HDFC might ask for a Tripartite Agreement. This is similar to the Merchant Services Agreement that you signed with HDFC. Three copies of this agreement must be executed. Any changes required in this agreement would take a long time for consensus. So, we recommend that you sign this agreement as it is.
  4. Post signing this, HDFC PG would give you a test TranPortal account.
  5. There are about 14 test scenarios that have to be cleared.
  6. Once they are cleared, HDFC will initiate security testing. They call it Paladion testing.
  7. You need to expose your integration environment for HDFC team to test.
  8. If the above activity results in them identifying issues with your site, you will need to fix them to move ahead.
  9. Once Paladion testing successfully completes, HDFC will now provide you with production PG credentials.
  10. Configure the TranPortal ID & TranPortal password in the Merchant Portal of Juspay and you are ready to start driving transactions.

Time taken: 4 - 6 weeks

PS: Getting an HDFC TranPortal PG is not an easy task. We recommend that you exercise lot of patience throughout the process.

Citi

CITI PG must be converted from redirect model to direct model. The following steps could help achieve this:

  1. Write to your RM to enable direct model for your ME code released.
  2. Configure the following url as Response URL for your ME code : https://api.juspay.in/pay/response-citi
  3. Configure the CITI account details in Juspay Portal in your account. The following details are required.
    • ME Code (Merchant Code)
    • Checksum (Merchant Key)
  4. Do a transaction with real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded successfully

Time taken: 1 - 2 weeks

Amex

Contact us

EBS

Note: EBS has upgraded their APIs. So, most new accounts will get their latest APIs and the gateway will be EBS_V3. Skip this and scroll down to check the steps for EBS_V3.

  1. The PG account must have VPC/Direct option enabled to use Express Checkout
    • Write to your Relationship Manager asking to enable VPC/Direct mode for your account. Mention that you are using JusPay as the technology company to handle sensitive cardholder data.
    • Copy us in the email and we will share the required documentation from our side
    • EBS will now enable VPC/Direct mode for your account
  2. Domain api.juspay.in must be whitelisted at their end for your PG account. Again, you will have to write to EBS support (support@ebs.in) to make this happen.
    • Note: If you are testing this configuration in our sandbox environment, then you should have sandbox.juspay.in whitelisted also.
  3. Configure the EBS account details in JusPay Merchant Portal for your account. The following details are required.
    • AccountID
    • Hash
    • Backend Gateway
  4. Do a transaction with real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded successfully
  5. If you complete the above transaction, then this should appear correctly in EBS dashboard too.

Time taken - 2 working days

PayU

  1. The PG account must have Seamless option enabled to use Express Checkout
    • Write to your Relationship Manager asking to upgrade your account to Seamless Enabled. Mention that you are using Juspay as the technology company to handle sensitive card data.
    • Copy us in the email and we will share the required documentation from our side
    • PayU will enable Seamless for your account
  2. Once you have the confirmation from PayU, configure the PayU account details in Juspay Merchant Portal for your merchant account. The following are the required details:
    • PayU merchant key
    • PayU salt
  3. Do a transaction with real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded
  4. You should be able to see the above transaction in your PayU dashboard too

Time taken: 2 working days

CCAvenue

Note: CCAvenue has upgraded their APIs. So, most new accounts will get their latest APIs. Skip this section and scroll down to CCAVenue V2.

Citrus

Citrus PG has merged with PAYU. Please get an account from PayUBiz and checkout the integration steps for PAYU.

CCAvenue V2

  1. The PG account must have seamless option enabled to use Express Checkout
    • Write to your Relationship Manager asking to enable seamless mode for your account. Mention that you are using JusPay as the technology company to handle sensitive cardholder data.
    • Copy us in the email and we will share the required documentation from our side
  2. Write to your RM to whitelist the URLs https://api.juspay.in and https://sandbox.juspay.in for your PG account.
  3. Configure the CCAvenue account details in JusPay Merchant Portal for your account. The following details are required.
    • Merchant Id
    • Access Code
    • Secret Key
  4. Do a transaction with real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded successfully
  5. If you complete the above transaction, then this should appear correctly in CCAvenue dashboard too.

Time Taken: 1 week

Tech Process (TPSL)

TPSL Account must be converted to seamless account. The following steps could help achieve this:

  1. Write to your Relationship Manager in this regard
  2. Copy us in the email and we will share the required documentation from our side
  3. TPSL will migrate your account to seamless. The following will be required to commence integration:
    • MerchantID
    • Scheme Code
    • Encryption Key
    • Encryption IV
  4. Once you have all these three, configure this PG account in Juspay Merchant Portal for your merchant account
  5. Once these steps are completed, you are now ready to test the TPSL.

Time Taken: 1 - 2 days

PayTM

  1. Enable Seamless integration for your account.
    • Write to your Relationship Manager asking to upgrade your account to support Seamless transaction. Mention that you are using JusPay as the technology company to handle sensitive card data.
    • Copy us (support@juspay.in) in the email and we will share the required PCI documents from our side.
    • PayTM will then enable Seamless for your account.
  2. Your PG account must be configured to receive callback_url as part of the payment URL parameters. This can be achieved by emailing your Relationship Manager.
  3. Configure the following details in the Juspay Merchant portal:
    • MID
    • Website
    • Merchant Key
    • Channel ID
    • Industry Type ID
  4. Setup the priority for the PayTM account
  5. Once these steps are completed, you are now ready to test the PayTM seamless integration.

Time taken: 2 - 3 days

Razorpay

  1. Write to your Relationship Manager asking to upgrade your account to enable S2S. Mention that you are using Juspay as the technology company to handle sensitive card data.
  2. Configure the following details in the Juspay Merchant portal:
    • Id
    • Secret Key (both can be obtained from Razorpay Dashboard > API Keys > Download the file which contains both)
  3. For doing test transactions, set the Test Mode to Yes and use Razorpay provided test card details.
  4. For doing real transactions, use the real credit/debit card and set the Test Mode to No in merchant settings for RAZORPAY.
  5. Once these steps are completed, you are now ready to test the Razorpay.

Time taken: 1 - 2 days

FSS_ATM_PIN

  1. Configure the following details in the Juspay Merchant portal:
    • Tranportal Id
    • Password
    • Aggregator Id
  2. For doing test transactions, set the Test Mode to Yes and use FSS provided test card details.
  3. For doing real transactions, use the real credit/debit card and set the Test Mode to No in merchant settings for FSS_ATM_PIN.
  4. Setup the priority for the FSS_ATM_PIN account.
  5. Once these steps are completed, you are now ready to test the FSS_ATM_PIN integration.

Note: For FSS_ATM_PIN, Refunds are not support through Juspay Express Checkout. You need to do refunds directly through FSS.

EBS_V3

  1. The PG account must have Direct Mode enabled to use Express Checkout.
  2. Write to your Relationship Manager asking to upgrade your account to Direct Mode. Mention that you are using Juspay as the technology company to handle sensitive card data.
  3. Copy us in the email and we will share the required documentation from our side.
  4. EBS will enable Direct Mode for your account.
  5. You also need to ask EBS to white list the following URL: https://api.juspay.in/
  6. Once you have the confirmation from EBS, configure the EBS_V3 account details in Juspay Merchant Portal for your merchant account. The following are the required details:
    • Account ID
    • Secret Key
    • Page ID
  7. You need to create a page in EBS portal and use that page's ID in the above field.
  8. Configure hashing algorithm to SHA512 in EBS portal for above Page ID.
  9. Set HTTP Method for Response Data to POST for above Page ID.
  10. Ask EBS to enable AutoCapture for your account. If you don't do this, the amount will be refunded back to the customer after few days.
  11. For doing test transactions, set the Test Mode to Yes in merchant settings and use EBS provided test card details.
  12. For doing real transactions, set the Test Mode to No in merchant settings and use the real credit/debit card details.
  13. Setup the priority for the EBS_V3 account.
  14. Once these steps are completed, you are now ready to test the EBS_V3 Direct Mode integration.

Time taken: 3 - 4 days

HDFC IVR

Contact us

ZAAKPAY

ZAAKPAY must be configured for seamless account. The following steps could help achieve this:

  1. Write to your RM to enable seamless for your account.
  2. Configure the ZAAKPAY account details in Juspay Portal in your account. The following details are required.

    • Merchant Identifier
    • Key (Secret Key)
    • Public Key (Public key for RSA)
    • Encryption Key (Encryption Key Id)

    The above details can be obtained from the following:
    - Go to developer section > Get MerchantId/SecretKey
    - Go to https://www.zaakpay.com/generatemykey.do & click Generate New Key to obtain Public Key and Encryption Key

  3. Update the following in zaakpay console. Go to Developer Section > Customize Your Zaakpay Integration

    • URLs
      • Add Domain Name - https://api.juspay.in
      • Add Transaction API return URL - https://api.juspay.in/pay/response-final
    • Transaction Limits
      • Set minimum and maximum amount and other limits as required
      • Remember to set them correctly otherwise ZaakPay will return ERROR
    • Logo
      • Update your company Logo
  4. Do a transaction with real credit/debit card to ensure that this feature is working fine. If you directly land on the 3D secure page, then the account has been upgraded successfully

Time Taken: 1 - 2 weeks