Accept payments with PhonePe

PhonePe's payment gateway is UPI-first, with cards and net banking too — a familiar checkout for most Indian shoppers. It takes payments in INR only, and refunds can be issued from your admin.

What you need#

A PhonePe Business account with the payment gateway enabled. PhonePe gives you sandbox (test) credentials first and production credentials after it has approved your business and website.

1. Get your credentials#

In the PhonePe Business dashboard, go to Developer settings → API keys. Note:

• Client ID
• Client secret
• Client version — usually 1; the sandbox also uses 1.

2. Add PhonePe to your store#

1. Go to Payments → Add gateway → PhonePe. Its settings open.
2. Set Environment to Test / sandbox while you use sandbox credentials.
3. Fill in Client ID, Client secret and Client version.
4. Select Save changes.

3. Add the webhook#

1. On the PhonePe method, Copy the Webhook / callback URL from URLs for PhonePe's dashboard.
2. In the PhonePe dashboard, add a webhook with that URL. PhonePe asks you to choose a username and password for it.
3. Back in your admin, enter the same Webhook username and Webhook password, and Save changes.

The webhook lets PhonePe confirm a payment even when the customer does not come back to your store after paying.

4. Test, then go live#

1. Set Switch it on to Admins only and place a test order while signed in as an admin. See Test before going live.
2. When PhonePe gives you production credentials, set Environment to Live, replace the credentials, update the webhook in the production dashboard, and set Switch it on to Live.

More in Payment gateway errors.