--- page_source: https://juspay.io/in/docs/payv3/web/base-integration/payment-methods page_title: Payment Methods --- ## API Version: default # Payment Methods Gives list of all the payment methods available for your account. > **Note** > The outage basically functions based on the score. We maintain a score from 0-1 for all Merchant- Payment method combinations, 1 being highest. If the transaction is created and initiated , we penalise merchant_pm score by reducing score by 5% and If the transaction is successful (CHARGED or AUTHORIZED), then we reward merchant_pm by increasing score by 10%. > > If the score goes below 0.35 we consider it as FLUCTUATE and if it goes to 0.1 then it's considered as DOWN. The soft reset happens after 30 mins, ie after 30 min, we increase the score to 0.425 and allow 5 transaction to go through to check if the merchant_pm is up. If the score increases then its considered as UP. Is the scores goes below 0.35 then considers as Fluctuate. > > The score gets reset to 1 after every 1hr. > > The threshold can be customised based on merchant requirements. ## Endpoints: - Production: https://api.juspay.in/merchants/{merchant_id}/paymentmethods ## Request Type: GET ## Sample Code Snippets: ### Sample Request: #### Request Code Snippet: ```request curl -X GET https://api.juspay.in/merchants/guest/paymentmethods curl -X GET https://api.juspay.in/merchants/guest/paymentmethods?options.add_outage=true ``` ### Sample Response: #### Payment Methods: ```json { "payment_methods": [ { "payment_method_type": "CARD", "payment_method": "VISA", "description": "Visa" }, { "payment_method_type": "CARD", "payment_method": "MASTER", "description": "Master Card" }, { "payment_method_type": "NB", "payment_method": "NB_HDFC", "description": "HDFC" }, { "payment_method_type": "WALLET", "payment_method": "PAYTM", "description": "Paytm" } ] } ``` #### Emandate Payment Methods: ```json {"success":false,"message":"No Data found for the given path"} ``` #### Direct Wallet Debit Supported Payment Methods: ```json { "payment_methods": [ { "payment_method_type": "WALLET", "payment_method": "AMAZONPAY", "description": "Amazon Pay", "wallet_direct_debit_support": true }, { "payment_method_type": "WALLET", "payment_method": "PAYPAL", "description": "PAYPAL", "wallet_direct_debit_support": false }, { "payment_method_type": "WALLET", "payment_method": "PAYTM", "description": "Paytm", "wallet_direct_debit_support": true }, { "payment_method_type": "NB", "payment_method": "NB_AXIS", "description": "Axis Bank" }, { "payment_method_type": "NB", "payment_method": "NB_BOI", "description": "Bank of India" }, { "payment_method_type": "NB", "payment_method": "NB_BOM", "description": "Bank of Maharashtra" }, { "payment_method_type": "NB", "payment_method": "NB_CBI", "description": "Central Bank Of India" }, { "payment_method_type": "UPI", "payment_method": "UPI", "description": "Pay with UPI" }, { "payment_method_type": "CARD", "payment_method": "VISA", "description": "Visa" }, { "payment_method_type": "CARD", "payment_method": "MASTER", "description": "Mastercard" }, { "payment_method_type": "CARD", "payment_method": "RUPAY", "description": "Rupay" } ] } ``` #### Gateway Reference ID for Payment Methods: ```json { "payment_methods": [ { "supported_reference_ids": [ "referenceId1", "referenceId2" ], "payment_method_type": "NB", "payment_method": "NB_AXIS", "description": "Axis Bank" }, { "supported_reference_ids": [], "description": "Bank of India", "payment_method": "NB_BOI", "payment_method_type": "NB" }, { "supported_reference_ids": [ "referenceId1" ], "payment_method_type": "NB", "payment_method": "NB_BOM", "description": "Bank of Maharashtra" }, { "supported_reference_ids": [], "payment_method_type": "NB", "payment_method": "NB_CBI", "description": "Central Bank Of India" }, { "supported_reference_ids": [], "payment_method_type": "UPI", "payment_method": "UPI", "description": "Pay with UPI" }, { "supported_reference_ids": [], "payment_method_type": "CARD", "payment_method": "VISA", "description": "Visa" }, { "supported_reference_ids": [], "payment_method_type": "CARD", "payment_method": "MASTER", "description": "Mastercard" }, { "supported_reference_ids": [ "referenceId1", "referenceId2", "referenceId3" ], "payment_method_type": "CARD", "payment_method": "RUPAY", "description": "Rupay" } ] } ``` #### Outages: ```json { "outage": [ { "stage": "Merchant", "status": "FLUCTUATE", "payment_method": "RUPAY", "payment_method_type": "CARD", "issuer_name": "Bank of Baroda", "juspay_bank_code": "JP_BOB", "description": "Rupay" }, { "stage": "Global", "status": "FLUCTUATE", "payment_method": "NB_UBI", "payment_method_type": "NB", "issuer_name": "Union Bank of India", "juspay_bank_code": "JP_UBI", "description": "Union Bank of India" }, { "stage": "Global", "status": "FLUCTUATE", "payment_method": "FREECHARGE", "payment_method_type": "WALLET", "issuer_name": "Freecharge", "juspay_bank_code": "JP_FREECHARGE", "description": "Freecharge Wallet" }, { "stage": "Merchant", "status": "DOWN", "payment_method": "UPI", "payment_method_type": "UPI", "txn_type": "UPI_COLLECT", "description": "Pay with UPI", "sub_details": [ { "stage": "Merchant", "status": "DOWN", "upi_handle": "okhdfcbank" }, { "stage": "Merchant", "status": "DOWN", "upi_handle": "okaxis" }, { "stage": "Merchant", "status": "DOWN", "upi_handle": "upi" }, { "stage": "Merchant", "status": "DOWN", "upi_handle": "axl" } ] }, { "stage": "Global", "status": "DOWN", "payment_method": "UPI", "payment_method_type": "UPI", "txn_type": "UPI_PAY", "description": "Pay with UPI", "sub_details": [ { "stage": "Global", "status": "FLUCTUATE", "upi_app": "com.phonepe.app" }, { "stage": "Global", "status": "FLUCTUATE", "upi_app": "net.one97.paytm" } ] }, { "stage": "Global", "status": "FLUCTUATE", "payment_method": "UPI", "payment_method_type": "UPI", "txn_type": "UPI_INAPP", "description": "Pay with UPI", "sub_details": [ { "stage": "Global", "status": "DOWN", "upi_app": "com.phonepe.app" }, { "stage": "Global", "status": "FLUCTUATE", "upi_app": "net.one97.paytm" } ] } ] } ``` #### TPV Payment Methods: ```json { "tpv_payment_methods": [ { "description": "Allahabad Bank", "juspay_bank_code": "JP_ALLB", "payment_method": "JP_ALLB", "payment_method_type": "NB" }, { "description": "Andhra Bank", "juspay_bank_code": "JP_ANDHRA", "payment_method": "JP_ANDHRA", "payment_method_type": "NB" }, { "description": "AU Small Finance Bank", "juspay_bank_code": "JP_AUB", "payment_method": "JP_AUB", "payment_method_type": "NB" }, { "description": "Axis Bank", "juspay_bank_code": "JP_AXIS", "payment_method": "JP_AXIS", "payment_method_type": "NB" }, { "description": "Bandhan Bank", "juspay_bank_code": "JP_BANDHAN", "payment_method": "JP_BANDHAN", "payment_method_type": "NB" }, { "description": "BOB Card", "juspay_bank_code": "JP_BOB", "payment_method": "JP_BOB", "payment_method_type": "NB" }, { "description": "Bank of India", "juspay_bank_code": "JP_BOI", "payment_method": "JP_BOI", "payment_method_type": "NB" }, { "description": "Bank of Maharashtra", "juspay_bank_code": "JP_BOM", "payment_method": "JP_BOM", "payment_method_type": "NB" }, { "description": "The Catholic Syrian Bank", "juspay_bank_code": "JP_CSB", "payment_method": "JP_CSB", "payment_method_type": "NB" }, { "description": "Canara Bank", "juspay_bank_code": "JP_CANR", "payment_method": "JP_CANR", "payment_method_type": "NB" }, { "description": "Central Bank of India", "juspay_bank_code": "JP_CBI", "payment_method": "JP_CBI", "payment_method_type": "NB" }, { "description": "City Union Bank", "juspay_bank_code": "JP_CUB", "payment_method": "JP_CUB", "payment_method_type": "NB" }, { "description": "Corporation Bank", "juspay_bank_code": "JP_CORP", "payment_method": "JP_CORP", "payment_method_type": "NB" }, { "description": "Deutsche Bank", "juspay_bank_code": "JP_DEUT", "payment_method": "JP_DEUT", "payment_method_type": "NB" }, { "description": "DCB", "juspay_bank_code": "JP_DCB", "payment_method": "JP_DCB", "payment_method_type": "NB" }, { "description": "Dhanalakshmi Bank", "juspay_bank_code": "JP_DLS", "payment_method": "JP_DLS", "payment_method_type": "NB" }, { "description": "Equitas Bank", "juspay_bank_code": "JP_EQUITAS", "payment_method": "JP_EQUITAS", "payment_method_type": "NB" }, { "description": "Federal Bank", "juspay_bank_code": "JP_FED", "payment_method": "JP_FED", "payment_method_type": "NB" }, { "description": "HDFC Bank", "juspay_bank_code": "JP_HDFC", "payment_method": "JP_HDFC", "payment_method_type": "NB" }, { "description": "ICICI Bank", "juspay_bank_code": "JP_ICICI", "payment_method": "JP_ICICI", "payment_method_type": "NB" }, { "description": "IDBI Bank", "juspay_bank_code": "JP_IDBI", "payment_method": "JP_IDBI", "payment_method_type": "NB" }, { "description": "IDFC FIRST Bank", "juspay_bank_code": "JP_IDFC", "payment_method": "JP_IDFC", "payment_method_type": "NB" }, { "description": "Indian Bank", "juspay_bank_code": "JP_INDB", "payment_method": "JP_INDB", "payment_method_type": "NB" }, { "description": "Indian Overseas Bank", "juspay_bank_code": "JP_IOB", "payment_method": "JP_IOB", "payment_method_type": "NB" }, { "description": "IndusInd Bank", "juspay_bank_code": "JP_INDUS", "payment_method": "JP_INDUS", "payment_method_type": "NB" }, { "description": "Jammu and Kashmir Bank", "juspay_bank_code": "JP_JNK", "payment_method": "JP_JNK", "payment_method_type": "NB" }, { "description": "Karnataka Bank", "juspay_bank_code": "JP_KARN", "payment_method": "JP_KARN", "payment_method_type": "NB" }, { "description": "Karur Vysya Bank", "juspay_bank_code": "JP_KVB", "payment_method": "JP_KVB", "payment_method_type": "NB" }, { "description": "Kotak Mahindra Bank", "juspay_bank_code": "JP_KOTAK", "payment_method": "JP_KOTAK", "payment_method_type": "NB" }, { "description": "Punjab National Bank", "juspay_bank_code": "JP_PNB", "payment_method": "JP_PNB", "payment_method_type": "NB" }, { "description": "Saraswat Bank", "juspay_bank_code": "JP_SARASB", "payment_method": "JP_SARASB", "payment_method_type": "NB" }, { "description": "South Indian Bank", "juspay_bank_code": "JP_SOIB", "payment_method": "JP_SOIB", "payment_method_type": "NB" }, { "description": "Standard Chartered Bank", "juspay_bank_code": "JP_SCB", "payment_method": "JP_SCB", "payment_method_type": "NB" }, { "description": "SBI", "juspay_bank_code": "JP_SBI", "payment_method": "JP_SBI", "payment_method_type": "NB" }, { "description": "The Shamrao Vithal Cooperative Bank", "juspay_bank_code": "JP_SVCB", "payment_method": "JP_SVCB", "payment_method_type": "NB" }, { "description": "Tamilnad Mercantile Bank", "juspay_bank_code": "JP_TMB", "payment_method": "JP_TMB", "payment_method_type": "NB" }, { "description": "Lakshmi Vilas Bank", "juspay_bank_code": "JP_LVB", "payment_method": "JP_LVB", "payment_method_type": "NB" }, { "description": "RBL Bank", "juspay_bank_code": "JP_RBL", "payment_method": "JP_RBL", "payment_method_type": "NB" }, { "description": "Union Bank of India", "juspay_bank_code": "JP_UBI", "payment_method": "JP_UBI", "payment_method_type": "NB" }, { "description": "UCO Bank", "juspay_bank_code": "JP_UCOB", "payment_method": "JP_UCOB", "payment_method_type": "NB" }, { "description": "Yes Bank", "juspay_bank_code": "JP_YESB", "payment_method": "JP_YESB", "payment_method_type": "NB" }, { "description": "Jammu and Kashmir", "juspay_bank_code": "JP_JMK", "payment_method": "JP_JMK", "payment_method_type": "NB" }, { "description": "UPI Intent Pay", "juspay_bank_code": "PAY", "payment_method": "PAY", "payment_method_type": "UPI" }, { "description": "UPI Collect", "juspay_bank_code": "COLLECT", "payment_method": "COLLECT", "payment_method_type": "UPI" }, { "description": "DBS Bank", "juspay_bank_code": "JP_DBS", "payment_method": "JP_DBS", "payment_method_type": "NB" } ] } ``` ## Query Parameters: #### options.add_emandate_payment_methods: To get payment methods supported for EMANDATE transactions. - Tags: boolean #### options.check_wallet_direct_debit_support: To get the payment methods that supports direct debit. - Tags: boolean #### options.add_supported_reference_ids: To get the payment methods supported for each gateway reference ID - Tags: boolean #### options.add_tpv_payment_methods: To get payment methods supported for Third party validation (TPV) - Tags: boolean #### options.add_outage: To get outages on payment methods. Each payment method has a **`juspay_bank_code`** . By using **`juspay_bank_code`** as a lookup in the outage array, you can determine whether the payment method has outage or not. - Tags: boolean ## API Responses: ### 200: #### payment methods: - Value: - **Payment_method_type**: - Tags: String - **Payment_method**: - Tags: String - **Description**: - Tags: String - Tags: JSON #### emandate payment methods: - Value: - **Payment_methods**: - Value: - **Description**: - Tags: String - **Payment_method**: - Tags: String - **Payment_method_type**: - Tags: String - Tags: Array of objects - **Emandate_payment_methods**: - Value: - **Description**: - Tags: String - **Payment_method**: - Tags: String - **Payment_method_type**: - Tags: String - Tags: Array of objects - Tags: JSON #### direct wallet debit supported payment methods: - Value: - **Payment_methods**: - Value: - **Payment_method_type**: - Tags: String - **Payment_method**: - Tags: String - **Description**: - Tags: String - **Wallet_direct_debit_support**: - Tags: boolean - Tags: Array of objects - Tags: JSON #### gateway reference ID for payment methods: - Value: - **Payment_methods**: - Value: - **Supported_reference_ids**: - Tags: Array of strings - **Payment_method_type**: - Tags: String - **Payment_method**: - Tags: String - **Description**: - Tags: String - Tags: Array of Objects - Tags: JSON #### outages: - Value: - **Outage**: - Value: - **Status**: - Tags: String - **Payment_method**: - Tags: String - **Payment_method_type**: - Tags: String - **Juspay_bank_code**: - Tags: String - **Description**: - Tags: String - Tags: Array of objects - **Payment_methods**: - Value: - **Payment_method**: - Tags: String - **Payment_method_type**: - Tags: String - **Description**: - Tags: String - Tags: Array of objects - Tags: JSON #### tpv payment methods: - Value: - **Tpv_payment_methods**: - Value: - **Payment_method**: - Tags: String - **Payment_method_type**: - Tags: String - **Description**: - Tags: String - Tags: Array of objects - **Payment_methods**: - Value: - **Payment_method**: - Tags: String - **Payment_method_type**: - Tags: String - **Description**: - Tags: String - Tags: Array of objects - Tags: JSON ### 400: #### status: - Description: invalid_request_error - Tags: string #### error_code: - Description: nullable - Tags: string #### error_message: - Description: [merchantAccount] cannot be null - Tags: string