Pine Labs Payment Gateway

Introduction

Pine Labs Payment Gateway brings the rich set of payment offerings to the online world.

This includes multi-acquiring, Brand EMI along with many other features.

This page will explain how to integrate merchant's website with Pine Labs Payment Gateway and use the payment gateway service. It is intended for users who want to carry out integration with payment gateway. It covers the steps in the payment process and the information that needs to be passed from merchant's server to Pine Labs Payment Gateway, to enable payment processing.

Getting Started

Pine Labs Payment Gateway is a secure website, where customer is redirected from merchant's website to make a payment. The payment gateway collects customer card details to process the payment transaction.

After the payment is complete, the customer is returned to merchant's website along with payment details.

Transaction Flow

Pine Labs Payment Gateway will enable your website to receive payment from customers via multiple modes such as card, net banking, wallets, UPI and others.

When customer selects Make Payment at your website, it redirects to the Pine Labs Payment Gateway page. During redirection, your page needs to submit information about the payment, such as your merchant id (MID), amount to be paid and other relevant information.

A simplified illustration of the transaction flow is shown in Figure 1 below.

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Payment Process

Figure 2 below provides a more detailed view of the interaction between customer, merchant and Pine Labs Payment Gateway in a typical transaction

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Steps of the Payment

Payment details are collected from the customer and you are notified of the results in the following steps:

  1. Customer selects the product and proceeds to pay, your website redirects the customer to Pine Labs Payment Gateway.
  2. The customer selects the payment mode and enters card details to initiate the transaction.
  3. The customer will be re-directed to 3DES authentication page and will be verified by Visa / MasterCard SecureCode / Amex Safe key. On successful authentication Pine Labs Payment Gateway seeks authorisation of the payment.

Payment Models

Pine Labs Payment Gateway supports the following payment models:

  • Purchase
  • Pre-Auth & Capture

The Merchant can be enrolled for pre-auth & capture payment model or purchase payment model.

A merchant cannot have both the payment models on a single MID.

Transaction Types

This section provides the details regarding the transaction types that are supported.

Payment Gateway supports the following transaction types:

  • Purchase
  • Pre-Auth
  • Capture
  • Refund
  • Enquiry

Purchase

In purchase transaction the authorization by issuing bank and debit from customer account takes place in a single step.
Visit our GitHub page for integration details and test data.

Pre-Auth & Capture

Pre-Auth (commonly referred to as Authorization) transaction, wherein the transaction value of the goods or services is sent to the issuing bank to verify the funds availability in the customer card account and to block the (Open To Buy -OTB) funds until the Capture transaction is initiated by the merchant.

The Pre-Auth transaction blocks the funds in the card account for a pre-defined period of time as determined by the issuing bank

The Pre-Auth transaction should be followed by Capture transaction independently.

The Capture transaction refers to the initial Pre-Auth transaction. Issuing bank transfers the funds from customer card account through the acquiring bank to the merchant's bank account. Visit our GitHub page for integration details and test data.

Dependent Transactions

For every authorized transaction, there may be a number of associated supporting financial transactions.

Example:

  • Enquiry to know the status of the transaction.
  • Refund for Purchase transaction.
  • Refund for Pre-Auth/Capture transaction.

Refund and Enquiry

The Refund API gives the convenience of automating customer refunds.

If for some reason you didn't receive a response from Pine Labs Payment Gateway for a Sale or Refund transaction (maybe the user abandoned the transaction midway or there was a network/timeout issue when Pine Labs Payment Gateway sent the response to callback URL).

Merchant can use the Enquiry API to confirm the final status of the transaction. This transaction can be initiated from Pine Labs Payment Gateway API.

Integration Modes

Following integration modes are supported:

  • Redirect
  • Seamless

Merchant redirects a customer to Pine Labs Payment Gateway landing page. This is called re-direct mode.

Capturing customer card details at merchant page is called seamless mode. In this case, merchant needs to be PCI DSS certified.

Redirect

Merchant redirects customer to Pine Labs Payment Gateway landing page along with merchant and other specific details.

Customer enters card details on Pine Labs Payment Gateway page.

Pine Labs Payment Gateway processes transactions by communicating with Acquirer in turn scheme and then Issuer banks.

After transaction completion, Pine Labs Payment Gateway maps transaction with Merchant and order specific details and redirects customer to merchant page along with the response of the transaction.

In redirect mode, landing page can be customized for a merchant.

Fonts, logo and color scheme of Pine Labs Payment Gateway page can be merchant specific. So that when a customer gets redirected from merchant site to Pine Labs Payment Gateway page, seamless experience is offered in terms of look and feel of website.

Seamless

In this integration mode, merchant captures card details of the customer at his/her page and calls Pine Labs Payment Gateway API passing encrypted card details along with merchant and other specific fields.

Pine Labs Payment Gateway processes this transaction, maps transaction with merchant and order specific details and sends response back.

Credit/Debit Card

Merchant will take the card details on his/her website and generates the encrypted card data. Post encryption, the merchant is required to pass this data in the transaction packet.

Once correct request is posted to Pine Labs Payment Gateway, the customer will be redirected to the 3D secure page for a password or OTP authentication. Post payment completion, the customer will be redirected back to merchant's return URL to show the transaction/order status.

Net Banking

Merchant will take the bank selection on his/her page. Bank code for the selected bank will be passed in the transaction request.

Once correct request is posted to Pine Labs Payment Gateway, the customer will be redirected to net banking page of the respective bank. Post payment completion, the customer will be redirected back to merchant's return URL to show the transaction/order status.

EMI

Pine Labs helps the merchant to offer no-cost, low-cost EMI on their products by bringing issuing bank and OEMs on the same platform.

We offer two types of EMI program :

  • Bank EMI
  • Brand EMI

Following steps are involved in the seamless integration of the EMI transactions:

  • EMI calculator API
  • Scheme validation API
  • Transaction request
  • IMEI validation ( applicable only for Brand EMI )

EMI calculator API

Merchant is required to integrate this API to show applicable EMI plans for the transaction.

Scheme Validation API

Merchant is required to integrate this API to check the applicability of EMI plans on a customer card.

Transaction Request

Merchant will take the card details on their website and generate the encrypted card data.

Once the encrypted value is generated, the merchant is required to pass encrypted card data along with the scheme parameters in transaction packet.

Once correct request is posted to Pine Labs Payment Gateway, the customer will be redirected to the 3D secure page for a password or OTP authentication. Post payment completion, the customer will be redirected back to merchant's return URL to show the transaction/order status.

IMEI Validation

IMEI validation is a process to ensure that the product belongs to the OEM who is subventing the EMI transaction.

Miscellaneous Features

Pay via Link

Merchant asks for customer mobile/email and initiates a transaction. Customer gets a short payment gateway URL via SMS/email on the mobile/email provided to merchant.

Customer clicks on the link and payment gateway page opens. Customer opts for one of the many payment options listed out of credit card / debit card / Netbanking etc.

Customer enters card data and after successful submission, payment status is displayed to customer.

Merchant also gets confirmation about payment along with transaction details.

Brand EMI Calculator

Merchant website can integrate this API to show the latest EMI/Offers applicable on products.

Requesting a test setup

Merchant will need this setup to test the integration with Pine Labs Payment Gateway. Test setup works similar to live environment, however funds transfer between accounts will not take place. To request for test setup or any query email at developer.support@pinelabs.com

References

Test card data

  • Card Number : 4012001037141112
  • Expiry : 11/23
  • Name : HDFC TEST
  • CVV : 123

For API references: Click here

Github link for code samples: Click here

Github link for Purchase and Pre-Auth transaction types: Click here