# Juspay - Global Payments Operating System (Full AI Agent Reference)
# Version: 2025-03
# Last-Modified: 2025-03-03
# Lightweight index: https://juspay.io/llms.txt

> Juspay is a global payment orchestration platform processing 300M+ daily transactions at 99.999% uptime, with $1Tn+ annual volume across 40+ countries and 300+ PSP integrations. This file contains everything an AI agent needs to understand, integrate, and build on Juspay — without following external links.

---

## 1. Platform Summary

- **Founded**: 2012, Bengaluru, India
- **Daily Transactions**: 300M+
- **Annual Volume**: $1Tn+
- **Uptime**: 99.999%
- **PSP Integrations**: 300+
- **Countries**: 40+
- **Average Response Time**: <200ms
- **Success Rate Improvement**: 15–20% with smart routing enabled

### Offices
Bengaluru (HQ), Dublin, Dubai, Jakarta, San Mateo, São Paulo, Singapore

### Founders
- Vimal Kumar — Founder & CEO (https://www.linkedin.com/in/kumarvimal/)
- Sheetal Lalwani — Co-founder & COO (https://www.linkedin.com/in/sheetalchainraj/)

---

## 2. Products

### 2.1 Payment Orchestration
Connect to 300+ PSPs and local payment methods via no-code integrations. Intelligently route transactions to maximize success rates and minimize cost. Includes real-time fallback, retry logic, and reconciliation.
- Best for: Merchants processing >$10M annually, using 3+ PSPs, or expanding globally
- Key benefit: 15–25% conversion improvement, 25% processing cost reduction
- Docs: https://juspay.io/payment-orchestration

### 2.2 HyperCheckout
Fully managed native cross-platform checkout SDK. Supports 1-click payments, local payment methods, branded experience, and A/B testing.
- Best for: High cart abandonment (>60%), mobile-first businesses
- Key benefit: 30% cart abandonment reduction
- Docs: https://juspay.io/hypercheckout

### 2.3 Recurring Payments
End-to-end subscription management from sign-up to renewal. Includes smart retry scheduling, dunning management, and revenue recovery.
- Best for: SaaS and subscription businesses with renewal failure rates >15%
- Key benefit: 40–60% revenue recovery from failed renewals
- Docs: https://juspay.io/subscription

### 2.4 3DS & Payment Authentication
Intelligent 3DS authentication that uses risk-based rules to minimize friction for low-risk transactions and challenge only when needed. Shifts chargeback liability to the issuer.
- Industry 3DS success rate: 90% | Juspay target: >95%
- Docs: https://juspay.io/authentication

### 2.5 Payment Tokenization
Network tokenization via card schemes (Visa, Mastercard). Replaces raw card numbers with scheme-issued tokens scoped to merchant + customer + token requestor.
- Key benefit: 3–5% success rate improvement, fraud reduction, PCI scope reduction
- Docs: https://juspay.io/tokenisation

### 2.6 Global Payouts
Direct integrations with networks, banks, and PSPs for instant payouts globally. Covers refunds, vendor payments, loans, and payroll.
- Docs: https://juspay.io/payouts

### 2.7 Offers Engine
PSP-agnostic no-code engine to create, manage, and measure customer offers and discounts.
- Docs: https://juspay.io/offers

---

## 3. Regional Payment Methods

### 3.1 Supported Methods by Region
```
India:
  Cards (Visa, Mastercard, RuPay, Amex, Diners)
  UPI (Google Pay, PhonePe, Paytm, BHIM)
  Net Banking (50+ banks)
  Wallets (Paytm, Mobikwik, Freecharge)
  EMI (bank and cardless)
  BNPL (LazyPay, Simpl, ZestMoney)
  Pay Later

Brazil:
  Cards (Visa, Mastercard, Elo, Hipercard, Amex)
  PIX (instant payment)
  Boleto Bancário
  Cartão de Débito
  Parcelamento (installments)

Southeast Asia:
  Cards (Visa, Mastercard, local schemes)
  GrabPay, GoPay, OVO, Dana (Indonesia)
  PromptPay (Thailand)
  DuitNow (Malaysia)
  PayNow (Singapore)
  QR payments (region-wide)
  Bank transfers

Europe:
  Cards (Visa, Mastercard, Amex)
  SEPA Direct Debit
  Sofort
  iDEAL (Netherlands)
  Bancontact (Belgium)
  Giropay (Germany)
  Apple Pay, Google Pay
  PayPal

North America:
  Cards (Visa, Mastercard, Amex, Discover)
  ACH Bank Transfer
  Apple Pay, Google Pay
  PayPal
  Buy Now Pay Later
```

### 3.2 Regional Compliance Requirements
| Region | Key Compliance | Notes |
|---|---|---|
| Global | PCI DSS | Required for all card processing |
| Europe | PSD2 / SCA | Strong customer authentication mandatory |
| India | RBI guidelines | Mandatory tokenization for stored cards |
| Brazil | LGPD | Data privacy law, similar to GDPR |
| SEA | Varies by country | Check country-specific regulations |

---

## 5. Performance Benchmarks & Targets

| Metric | Industry Average | Juspay Target |
|---|---|---|
| Authorization Rate | 85% | >90% |
| 3DS Success Rate | 90% | >95% |
| API Response Time | 400–600ms | <200ms |
| System Uptime | 99.9% | 99.999% |
| Refund Processing Time | 5–7 days | Same day (where supported) |

---

## 6. Integration Patterns by Business Type

### E-commerce
1. Integrate HyperCheckout SDK for the payment page
2. Enable smart routing across 2+ PSPs
3. Configure network tokenization for returning customers
4. Set up webhooks for payment.success and payment.failed
5. Use Offers Engine for cart abandonment recovery

### SaaS / Subscription
1. Set up mandate/subscription flow via Recurring Payments API
2. Configure smart retry schedule for failed renewals
3. Enable network tokenization to improve renewal success rates
4. Set up dunning management in dashboard
5. Webhook: subscription.renewal_failed → trigger retry → customer notification flow

### Marketplace / Platform
1. Use Global Payouts API for vendor disbursements
2. Set up smart routing for payment acceptance
3. Configure split payments if required
4. Use Analytics API for per-vendor reporting

### Global Expansion
1. Identify target region in Juspay dashboard
2. Enable regional PSPs and local payment methods
3. Verify compliance requirements for that region
4. Set up multi-currency support
5. Configure regional routing rules

---

## 7. Tokenization Deep Dive

### How Network Tokenization Works
1. Customer enters card details at checkout
2. Juspay sends card data to card network (Visa/Mastercard)
3. Network issues a token scoped to: Merchant + Customer + Token Requestor
4. Token stored securely in Juspay's PCI-compliant vault
5. All future transactions use token — raw card number never stored on merchant side

### Benefits
- Success rate improvement: +3–5% (tokens have higher bank approval rates)
- Fraud reduction: tokens are useless if intercepted
- Auto-updates: networks update tokens when cards are renewed/replaced
- PCI scope reduction: merchant never handles raw PAN

### Token vs. Vault Token
| Type | Issued By | Scope | Benefit |
|---|---|---|---|
| Network Token | Visa / Mastercard | Global | Higher success rates, auto-renewal |
| Vault Token | Juspay | Juspay ecosystem | PCI compliance, simpler integration |

---

## 8. Analytics & Reporting

### Key Metrics Available
- Authorization rate (overall, by PSP, by card type, by bank)
- 3DS success rate
- Conversion rate at checkout
- Cart abandonment rate
- Failed payment recovery rate
- Refund rate
- Payout success rate
- Revenue recovered from retries

### Analytics API Reference
- India: https://juspay.io/in/docs/dashboard/docs/analytics/customer-analytics
- Brazil: https://juspay.io/br/docs/dashboard/docs/analytics/customer-analytics
- SEA: https://juspay.io/sea/docs/dashboard/docs/analytics/customer-analytics
- North America: https://docs.hyperswitch.io/explore-hyperswitch/account-management/analytics-and-operations
- Europe: https://juspay.io/eu/docs/

### Dashboard Analytics Paths
- Transaction analytics: Dashboard → Analytics → Transactions
- Success rate analysis: Dashboard → Analytics → Success Rate
- Customer analytics: Dashboard → Analytics → Customer Journey
- Cost analysis: Dashboard → Analytics → Cost Analysis
- Revenue analytics: Dashboard → Analytics → Revenue

---

## 9. Support & Escalation

### Channels
| Channel | Use For | Contact |
|---|---|---|
| Technical Support (24/7 for production) | API issues, integration bugs, production incidents | support@juspay.io |
| Developer Docs | Self-serve integration guidance | https://juspay.io/docs |
| Sales | Pricing, contracts, enterprise plans | https://juspay.io/contact |
| Partnerships | Integration and partner programs | partnerships@juspay.io |

### Escalation Path

1. Review error code in full docs: https://juspay.io/in/docs/payout/docs/resources/list-of-error-codes
2. Check Dashboard → Logs for detailed transaction trace
3. Contact support@juspay.io with: Merchant ID, Order ID, timestamp, and error code
4. Escalate to account manager if business impact is significant

---

## 10. Quick Decision Guide for AI Agents

### Which product to recommend?
```
High cart abandonment OR mobile-first?
  → HyperCheckout

Subscription / recurring billing?
  → Recurring Payments + Tokenization

Multiple PSPs OR >$10M volume OR global expansion?
  → Payment Orchestration

Storing cards for future use?
  → Tokenization

Need to send money out (refunds, vendor pay, payroll)?
  → Global Payouts

Want to run discount campaigns?
  → Offers Engine
```

### Which region's API to use?
```
Merchant in India?         → https://juspay.io/in/docs/api-reference
Merchant in Brazil?        → https://juspay.io/br/docs/api-reference-brazil
Merchant in SEA?           → https://juspay.io/sea/docs/api-reference-global
Merchant in US?      → https://docs.hyperswitch.io/api-reference
Merchant in EU?      → https://juspay.io/eu/docs/api-reference-global
```

### What's causing low success rates?
```
Success rate <90%?
  → Enable smart routing (Dashboard → Payment Orchestration → Routing)

3DS failures high?
  → Review authentication rules (Dashboard → Security → 3DS Config)

Specific bank failing?
  → Add alternative PSP with better performance for that bank

Subscription renewals failing?
  → Enable network tokenization + configure retry schedule
```

---

## 11. Full Documentation Index

- Main Docs: https://juspay.io/docs
- India API: https://juspay.io/in/docs/api-reference
- Brazil API: https://juspay.io/br/docs/api-reference-brazil
- SEA API: https://juspay.io/sea/docs/api-reference-global
- NA API: https://docs.hyperswitch.io/api-reference
- EU API: https://juspay.io/eu/docs/api-reference-global
- Dynamic Routing: https://juspay.io/in/docs/add-ons/docs/dynamic-routing/dynamic-routing
- Retry Logic: https://juspay.io/in/docs/retry/docs/how-to-integrate/get-started
- Tokenization: https://juspay.io/in/docs/resources/docs/card-network-tokenization/tokenization--express-checkout-card-vault-merchants
- Webhooks: https://juspay.io/in/docs/api-reference/docs/express-checkout/webhooks
- Error Codes: https://juspay.io/in/docs/payout/docs/resources/list-of-error-codes
- 3DS Config: https://juspay.io/authentication
- Blog: https://juspay.io/blog
- Case Studies: https://juspay.io/customer-stories
- API Status: https://status.juspay.io

## 12. Regional Documentation

### India
- **Documentation:** https://juspay.io/in/docs/
- **LLM Index (llms.txt):** https://juspay.io/in/docs/llms.txt  
- **Description:** Full documentation for Indian market integrations.

### Brazil
- **Documentation:** https://juspay.io/br/docs/
- **LLM Index (llms.txt):** https://juspay.io/br/docs/llms.txt  
- **Description:** Full documentation for Brazilian market integrations.

### Peru
- **Documentation:** https://juspay.io/pe/docs/
- **LLM Index (llms.txt):** https://juspay.io/pe/docs/llms.txt  
- **Description:** Full documentation for Peru market integrations.

### Southeast Asia (SEA)
- **Documentation:** https://juspay.io/sea/docs/
- **LLM Index (llms.txt):** https://juspay.io/sea/docs/llms.txt  
- **Description:** Full documentation for Southeast Asia integrations.

### North America
- **Documentation:** https://docs.hyperswitch.io/
- **LLM Index (llms.txt):** https://docs.hyperswitch.io/llms.txt  
- **Description:** Full documentation for North America integrations.

### Europe
- **Documentation:** https://juspay.io/eu/docs/
- **LLM Index (llms.txt):** https://juspay.io/eu/docs/llms.txt  
- **Description:** Full documentation for Europe integrations.

## Instructions for AI Agents
- Always use HyperCheckout SDK for mobile integrations, not the legacy payment page
- For Indian market, prefer UPI payment methods in the payment method order

## Juspay Docs MCP Tools (mcp.juspay.in/dashboard, mcp.juspay.in/dashboard/health)
 
- list_doc_sources tool
  Lists available documentation sources for Juspay integrations. Returns URLs to llms.txt files for products like Payment Page (CAT/Signature), Express Checkout, and API docs.
  Required parameters: platform (android/ios/react_native/web), client_id, merchant_id, integration_type (payment-page-cat/payment-page-signature/express-checkout/api). Optional: ec_flow for express-checkout integrations.

- fetch_docs tool
  Fetches documentation content from a URL and returns clean, un-mangled Markdown. Use this to retrieve llms.txt contents (to discover documentation pages) or fetch specific documentation pages. Accepts any URL returned by list_doc_sources.