One-time Payments via Netbanking/UPI

To facilitate seamless payment collection from investors, we provide the Create payment , which enables the generation of a one-time payment URL. This URL allows investors to conveniently make payments using Netbanking and UPI methods. Below are the key details and considerations when using this API:

Generating the Payment:

To generate a payment, you need to use the Create payment and provide one or more purchase AMC order IDs created through the Create MF Purchase . Once the payment is generated for the specified purchase order IDs, the API response will return a token_url. This token_url redirects the investor to their respective bank's netbanking page to make the payment.

// Request
{
  "amc_order_ids": [
    70251
  ],
  "payment_postback_url": "https://tenanturl.com/payment-response-page",
  "method": "NETBANKING",
  "bank_account_id": 925,
  "provider_name": "ONDC"
}

// Response:
{
    "id": 1885,
    "token_url": "https://tenant.s.finprim.com/api/pg/payments/netbanking/razorpay?txnId=de9152d18d08b44&txnType=1"  
}

Usage and Validity of Token URL:

Key considerations regarding the usage and validity of the token_url include:

• Each token_url is designed for single-use only. If an attempt to complete the payment using a token_url fails, it is recommended to generate a new payment and obtain a fresh URL.
• It's important to note that a token_url has a validity period of 15 minutes. After this timeframe, the URL will expire and will throw "Invalid token" error.
• For ONDC as provider, please ensure that the order is confirmed before the payment token_url is utilised.

Notifying the Payment Status:

Once a payment is completed, FP provides notification of the payment status as follows:

• FP will post the payment status to the payment_postback_url provided. This allows you to receive real-time updates on the payment status, so that the Investor can be notified accordingly.
• Payment status can be fetched either by using the Events or by subscribing to the Webhook notifications

Payment States

One-time payment progresses through various statuses, each representing a specific stage in its life cycle.

Payment Lifecycle