PhonePe via Unlimit

Accept PhonePe payments with Unlimit as the payment service provider (PSP).

Supported workflows

Workflow	Supported
Payrails SDK	✔
Payrails API	✔
Delayed / Manual Capture	✖
Instant Capture	✔
Cancel / Void	✖
Refund / Reverse	✔
Save Instruments	✖
Merchant Initiated Transaction (MIT)	✖

The response redirects to an app deep link, so integrate PhonePe through the Payrails API and handle the redirect in your own checkout.

Before you begin

Complete these steps before you send your first PhonePe payment through Unlimit:

Set up an Unlimit integration in your workspace. Follow the Unlimit integration setup guide if you don’t have one yet.
Ask Unlimit to enable PhonePe on your Unlimit terminal.
In the Payrails Portal, go to Settings → Integrations, open your Unlimit integration, and turn on Processing payments in India. Select PhonePe under Payment methods, and save.
Add PhonePe as a payment option in your workflow.

Payrails rejects PhonePe payments on an Unlimit integration that doesn’t have Processing payments in India turned on.

Request fields for Unlimit

Send these fields in the authorize request, in addition to the standard authorize fields. Required fields must be present for the payment to succeed. Payrails sends Optional fields to the PSP when you include them.

Field	Status	Description
`amount.currency`	Required	Send `INR`. Payrails passes the currency to Unlimit unchanged.
`returnInfo.success`	Required	The URL the customer returns to after a successful payment.
`meta.order.description`	Required	Sent to Unlimit as the order description.
`meta.customer.email`	Required	Sent to Unlimit as the customer email.
`meta.customer.phone.number`	Required	The customer’s PhonePe mobile number. Sent to Unlimit as the wallet account and the customer phone.
`meta.clientContext.ipAddress`	Required	Sent to Unlimit as the customer’s IP address.
`meta.customer.reference`	Optional	Sent to Unlimit as your customer ID.
`meta.customer.language`	Optional	Sent to Unlimit as the customer locale, as a two-letter language code.
`meta.clientContext.userAgent`	Optional	Sent to Unlimit as the customer’s user agent.

Authorize a PhonePe payment

Call authorize a payment with phonePe as the paymentMethodCode. The response includes the redirect to the PhonePe app or the Unlimit payment page.

Authorize request

{
  "amount": {
    "value": "500.00",
    "currency": "INR"
  },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "phonePe",
      "amount": {
        "value": "500.00",
        "currency": "INR"
      }
    }
  ],
  "meta": {
    "customer": {
      "email": "priya.nair@example.com",
      "reference": "customer-1234",
      "phone": {
        "countryCode": "91",
        "number": "9876543210"
      }
    },
    "order": {
      "description": "Wallet top-up"
    },
    "clientContext": {
      "ipAddress": "203.0.113.10"
    }
  },
  "returnInfo": {
    "success": "https://example.com/success",
    "error": "https://example.com/error"
  }
}

The customer approves the payment in the PhonePe app, and Unlimit sends the result to Payrails asynchronously. Confirm the result through webhook notifications or the execution status before you fulfill the order.

How Unlimit handles PhonePe

Unlimit charges PhonePe payments directly and reports only the completed payment. Payrails records the authorization and the capture from that single notification.
To return funds after a successful payment, refund it.
Unlimit doesn’t return acquirer reference, retrieval reference or authorization code values for PhonePe payments.
Merchant-initiated transactions (MIT) through Unlimit work only with cards, Apple Pay, and Google Pay. Payrails returns an error for a PhonePe MIT.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Supported workflows

Before you begin

Request fields for Unlimit

Authorize a PhonePe payment

How Unlimit handles PhonePe

​Supported workflows

​Before you begin

​Request fields for Unlimit

​Authorize a PhonePe payment

​How Unlimit handles PhonePe

Supported workflows

Before you begin

Request fields for Unlimit

Authorize a PhonePe payment

How Unlimit handles PhonePe