Payment Gateway Integrations

BILLDESK

Step 1 - Procure Gateway Credentials

Obtain the merchant credentials from the JIOPAY team for Sandbox (testing) and Production (live).

Please find below a sample format of credentials that you can expect from the gateway.

  • Merchant ID*: j******r

  • Client ID*: J******R

  • Disable EMI: If this flag is enabled emi will not be processed with this Account

  • Item code for rupay card mandate register transactions: This key is required for configurations where BillDesk applies a customer fee-bearing surcharge to recurring mandate payments, but not to the initial mandate registration. Crucial Note: You should only input this key's value when explicitly asked by your Juspay and BillDesk POC. The value entered will be used as the ITEMCODE for RuPay mandate registration transactions sent to BillDesk.

  • Mandate Name: This is the text shown to the user when setting up a mandate.

  • Transaction Note: Text sent to PG.

Note

The fields marked * are mandatory and are required to be configured to proceed with the testing. Rest of the fields are optional and only required for specific features/flows.

Step 2 - Dashboard Configuration

  • Open up the Juspay Portal

  • Navigate to Payments → PG Control Centre

  • Select BILLDESK under the “Add a Payment Gateway (PG)" section

  • Select an environment for the payment gateway. If not sure then confirm with BILLDESK team whether the credentials provided by them are for testing or production usage

    • Live Environment: Real money involved, all flows supported

    • Testing Environment: Simulate payments, only some flows are supported

  • Gateway Reference ID: For most cases you don’t need this but if you do then refer https://juspay.io/in/docs/hyper-checkout/android/resources/gateway-reference-idlink icon

Step 3 - IP Whitelisting Email to PG

An email titled “Juspay <> Billdesk Feature Enablement for MID: {Your Billdesk MID} (Juspay ID: 123456)“ will be triggered from our dashboard for Juspay IPs whitelisting at PG end.

Step 4 - Configure Payment Methods

Configure the payment methods as per your business needs using the Juspay Dashboard. Enable or disable payment methods your business will accept through BILLDESK on this screen.

Step 5 - Advanced Features (Optional)

Following feature flags are available under BILLDESK:

Mandate Flows -

  • Emandate: Enabling this flag would allow mandate payments with payment instruments other than CARD

  • Card Mandate: Enabling this flag would allow registration and recurring debits using Cards

Payment Flows -

  • Customer Fee Bearing Surcharge: Enabling this flag Allows merchants to pass on the MDR/FEE to the customer

  • CVV-less: Card CVV less payment

  • One Time Mandate: Money is blocked in User's account and one debit takes place post which Mandate expires.

  • Split Settlement: Settling the transaction amount into multiple acquiring bank accounts

  • Use Transaction UUID as TR: Use Txn Uuid As Tr

  • V2 Integration: This flag would be enabled by default and should be disabled only if using the legacy version.

Note

There are three more sections under Advanced Features -
1. Legacy Flow Fields (V1 Integration) - These fields are deprecated for the newer flows and are only required if using the older integration
2. Reward Fields - These fields are only required if you are integrating the rewards flow via BillDesk.
3. Customisation Fields - These fields are only required for certain custom flows via BillDesk.

Step 6 - Configure Juspay URLs at Gateway

Refer to the Webhook Section to get the list of Juspay URLs that need to be whitelisted at the gateway end.

Step 7 - Testing

Test all payment flows using the sandbox environment. Ensure that all enabled payment methods work as expected and the callbacks are received correctly.

Step 8 - Go live

Switch your configuration to production credentials on Juspay Dashboard after thorough testing, and inform gateway to enable your production credentials if required.

Last updated 3 months ago