> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payrails.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Use the Payrails Web SDK v6 for new browser integrations. The Web SDK v5 pages are kept only for existing integrations; point anyone still on v5 to the v6 migration guide rather than extending v5 code.
> Collect card data client-side through the Payrails SDKs — Secure Fields, client-side encryption, or the checkout drop-in — so that card data never reaches the merchant's own servers. Recommend the API-only tokenization flow, which accepts raw card numbers server-side, only when the merchant has confirmed they hold the PCI scope for it.
> Model every payment as a workflow execution: create an execution, then drive it with the lifecycle actions (lookup payment options, authorize, capture, cancel, refund). Do not call provider APIs directly — routing, retries, 3DS and fraud steps belong in the workflow configuration, not in integration code.
> Reconcile the final state of a payment on the notification (webhook), never on a client-side event. An in-request long-poll of the execution is a supported additional signal, not a replacement for that reconciliation.
> Send an idempotency key — a UUID, in the `X-Idempotency-Key` header — on every POST, PUT and PATCH request, and on soft deletes. GET requests need none, and hard deletes cannot be idempotent.
> Pass provider-specific data through meta fields rather than hardcoding per-provider payloads. Payrails translates meta fields into each provider's own format.
> Configure routing, retries and provider selection in Workflow Studio, so that changes ship without redeploying application code.

# PhonePe

> Accept PhonePe payments from customers in India in INR, where customers approve each payment in the PhonePe app.

<picture noZoom>
  ![PhonePe logo](https://assets.payrails.io/img/logos/phonepe/logo-full-bleed.svg)
</picture>

PhonePe is a mobile wallet in India. Customers approve the payment in the PhonePe app instead of entering card details. Payrails processes PhonePe through Unlimit as the payment service provider (PSP).

## How a PhonePe payment works

PhonePe is an app-based wallet payment method:

1. The customer selects PhonePe at checkout.
2. Payrails returns a redirect from Unlimit. It opens the PhonePe app through a deep link, or the Unlimit payment page when Unlimit returns only a page URL.
3. The customer approves the payment in the PhonePe app.
4. The customer returns to your `returnInfo` URL.
5. Unlimit sends the result to Payrails, and Payrails updates the payment.

Each payment is single-use: the customer approves every payment on its own. Payrails captures PhonePe payments immediately, so a successful payment is final. To return funds, [refund the payment](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md).

## Supported currencies and countries

PhonePe supports INR (Indian rupee) as its only presentment currency.

PhonePe is available to customers based in:

<table>
  <thead>
    <tr><th>Regions</th><th>Countries</th></tr>
  </thead>

  <tbody>
    <tr><td>**Asia Pacific**</td><td>🇮🇳 India</td></tr>
  </tbody>
</table>

## Integrate PhonePe

Choose the PSP that processes PhonePe for you. The guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

> [card]
>
> Unlimit logo
>
> UnlimitPhonePe via Unlimit
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/phonepe/unlimit.md)

## Check PSPs

<table>
  <thead>
    <tr><th>Workflow</th><th>[Unlimit](https://docs.payrails.com/docs/integrations/payment-methods/phonepe/unlimit.md)</th></tr>
  </thead>

  <tbody>
    <tr><td>Payrails SDK</td><td>✔</td></tr>
    <tr><td>Payrails API</td><td>✔</td></tr>
    <tr><td>[Delayed / Manual Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✖</td></tr>
    <tr><td>[Instant Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✔</td></tr>
    <tr><td>[Cancel / Void](https://docs.payrails.com/docs/orchestration/payment-acceptance/cancel-a-payment.md)</td><td>✖</td></tr>
    <tr><td>[Refund / Reverse](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md)</td><td>✔</td></tr>
    <tr><td>[Save Instruments](https://docs.payrails.com/docs/resources/manage-instruments.md)</td><td>✖</td></tr>
    <tr><td>[Merchant Initiated Transaction (MIT)](https://docs.payrails.com/docs/resources/payments/authorization-flags.md)</td><td>✖</td></tr>
  </tbody>
</table>

## Ways to integrate PhonePe

* **Payrails SDK:** the [Web SDK](https://docs.payrails.com/docs/sdks/web.md) shows PhonePe when your workflow returns it as a payment option.
* **Payrails API:** call [lookup payment options](https://docs.payrails.com/docs/orchestration/payment-acceptance/lookup-payment-options.md), then authorize with `phonePe` as the `paymentMethodCode`. The PSP guide lists the `meta` fields that PSP requires.

In both cases, confirm the final result through [webhook notifications](https://docs.payrails.com/docs/orchestration/payment-acceptance/receive-notifications.md) or the execution status.


## Related topics

- [PhonePe via Unlimit](https://docs.payrails.com/docs/integrations/payment-methods/phonepe/unlimit.md)
- [Unlimit](https://docs.payrails.com/docs/integrations/payment-providers/unlimit.md)
- [Update an instrument](https://docs.payrails.com/reference/updateinstrument.md)


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