Payment Locking

How does it works?

By default, Juspay payment page will show all the payment methods which is configured on Juspay dashboard. We have a efficient control to show/hide the payment methods based on the merchant preference without changing anything from existing integration using Payment Locking.

It contains two steps,

1. Defining Payment Rules: Merchants can pass payment rules to block or allow specific payment methods (e.g., cards, UPI, net banking, wallets) directly from the Juspay payment page. These rules are flexible and can be tailored based on granular levels of payment method and payment method type depending upon merchant usecase.

2. Validation at Checkout: During the payment process, the Juspay system validates the user's selected payment method against the passed rules in the Juspay request payload. If the blocked criteria is not matched, the user will not be allowed to proceed with transaction.

Key Highlights of the Payment locking Feature:

  1. Payment Locking Structure

    Payment locking rules can be included in the Juspay request payload with the parameter payment_filter. Payment_filter parameter includes mainly 3 fields

    • allowDefaultOptions

      • A field that specifies whether to display all available payment options by default or limit the display to those defined in the options block conditions.

    • options

      • Defines the filters and rules for specific payment methods or groups which includes paymentMethodType and paymentMethods types.

    • emiOptions

      • Field that control all the EMI based options to be displayed on the payment page.

  2. Payment Locking Dimensions

    • Payment Locking is supported on all payment methods

      • Online payments: Cards, Netbanking, UPI, Wallets,EMI

      • Offline payments: Cash On Delivery

    • Dimensions available for Payment locking rules

      • Payment locking rules can be applied across the following granular dimensions as per your business requirement

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        Filter Type
        Filter Dimensions
        Payment Method based
        Payment Method Type(Cards/Netbanking/..), Payment Method(CREDIT/SBI/UPI INTENT)
        Card based
        cardBrands(VISA/RUPAY/..), cardBins(459000/460000/..),cardTypes(DEBIT/CREDIT),cardSubTypes(EMPLOYEE_CARD/BUSINESS/..),cardBanks(SBI/ICICI/..)
        EMI based
        EMI(exclusive), EMI Type(Card/cardless), EMI Plan Types(Standard/Low-cost/No-cost),Issuer-Specific Filtering(HDFC Debit Card EMI/..), EMI Tenure(3/6/9/..)
        UPI Based
        UPI Instrument Type(COLLECT/ INTENT/ QR), APP based(Googlepay/Paytm/..)
        Netbanking Based
        Only Banks(SBI/ICICI/..)
        Wallet Based
        Specific wallets(Paytm/Airtelmoney/..)

  3. Logics and Eligibility checks:

    During Payment locking, Juspay ensures:

    • User Eligibility checks:

      • Before displaying a payment instrument, eligibility checks are performed for wallets and BNPL (Buy Now, Pay Later) options. These checks verify user eligibility and ensure sufficient balance for the specific order.

      • For UPI apps, the app's availability on the user's device is verified. Only eligible and accessible payment instruments are displayed on the pop-up, ensuring a seamless payment experience

    • Offers and Mandates: Relevant messages will be displayed to users if the chosen payment instrument supports offers or mandates.

    • Surcharge: If the payment locking specified payment method includes additional charges, the same surcharge logic will be applied, with a clear description of the extra charges displayed to the user.

    • Downtime or Fluctuation: Payment methods experiencing downtime or technical fluctuations will be greyed out/display the errored message to the user when the payment locking is applied on the payment page, preventing users from selecting options that may result in further delays or failures.

Sample UIs:

The following design variations are available for Payment locking feature using Juspay HyperCheckout (payment page),

  1. Customizing the reason for disabling the payment option

    Disabling Kotak debit card with custom message
    Disabling Kotak debit card with custom message

  2. EMI filter to show specific card with tenure filter

    EMI filter to show only HDFC card with 3 months tenure
    EMI filter to show only HDFC card with 3 months tenure

  3. Payment page with payment locking on UPI option

    Image 1

  4. Payment locking applied on specific Netbanking

    Payment page with SBI netbanking filter
    Payment page with SBI netbanking filter

Last updated 1 year ago