India

Accept UPI, PayTM, NetBanking, and digital wallets in India with Onerway.

India has a massive and rapidly evolving digital payment ecosystem. has become the backbone of digital transactions, while digital wallets like PayTM and PhonePe dominate the mobile payment landscape.

Payment service policies may change at any time and may vary by region. This page is for reference only and will be updated periodically.

At a Glance

Country

India (IN)

Currency

Indian Rupee (INR)

Minimum Amount

1 INR

Refunds

✅

Chargeback

—

Document Required

Document Requirements

Indian transactions require PAN (Permanent Account Number) for regulatory compliance.

Document	Format	Description
	10 characters (5 letters + 4 digits + 1 letter)	Tax identification

The identityNumber field is required for all Indian payment transactions. Full PAN validation is performed automatically.

Local Payment Methods (LPMS)

UPI (Unified Payments Interface) is India's most popular instant payment method, supporting over 207 banks with 100M+ monthly active users. It's recommended as the primary local payment option.

Quick Comparison

Method	Type	Confirmation	Max Processing	Refund	Best For
UPI	Bank Transfer	Immediate	Up to 5 days	✅	Instant interbank payments
PayTM	Wallet	Immediate	Up to 5 days	✅	Digital wallet users
NetBanking	Bank Transfer	Immediate	Up to 5 days	✅	Traditional banking users
Other Wallets	Wallet	Immediate	10 minutes	✅	PhonePe, MobiKwik users

Confirmation indicates when the payment status is confirmed. Max Processing refers to the maximum time for edge cases or refund processing.

Integration Details

Field	Type	Description
`orderAmount`	string	Payment amount
`orderCurrency`	string	INR
`country`	string	IN
`lpmsInfo`	string	Method-specific JSON
`firstName`	string	Consumer's given name
`lastName`	string	Consumer's family name
`email`	string	Consumer's email
`identityNumber`	string	PAN (10 characters)

Method	lpmsInfo
UPI	`{"lpmsType":"UPI"}`
PayTM	`{"lpmsType":"PayTM_Wallet"}`
NetBanking	`{"lpmsType":"NetBanking"}`
Other Wallets	`{"lpmsType":"OtherWallets"}`

The specific wallets available under Other Wallets depend on your merchant configuration. Contact Onerway support to enable specific wallet options.

Type	API	User Flow
DIRECT	Payment API	Merchant → Payment Page
REDIRECT	Checkout API	Merchant → Onerway Checkout → Payment Page

DIRECT for custom checkout UI with full control.
REDIRECT for quick integration with Onerway's hosted payment selection.

Payment Method Details

Best for: Instant payments, mobile-savvy customers, interbank transfers.

UPI (Unified Payments Interface) is an instant real-time payment system that enables inter-bank transactions through mobile phones. It supports over 207 local banks and has more than 100 million monthly active users in India.

Major supported banks: State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, Punjab National Bank, Bank of Baroda, and 200+ other banks.

UPI payment redirect flow showing VPA input and bank authentication

Feature	Value
Confirmation	Immediate
Max Processing	Up to 5 days (for edge cases)
Refund	✅

Best for: Digital wallet users, mobile payments, wide merchant acceptance.

PayTM is one of India's largest digital payment platforms, operating as a semi-closed wallet system. Users can top up their PayTM wallet and make payments at merchants with PayTM partnerships, making it an integral part of India's digital payment ecosystem.

PayTM wallet authentication and payment confirmation flow

Feature	Value
Confirmation	Immediate
Max Processing	Up to 5 days (for edge cases)
Refund	✅

Indonesia

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Philippines

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