NetBanking

How to use NetBanking to submit a payin in India.

Payin by NetBanking

This endpoint allows you to submit a payin by NetBanking in India.

NetBanking payins in India support refund. The payment amount supports decimals.

The supported payment amount range is 1 to 500000 INR.

POST https://gateway.pagsmile.com/trade/pay

Request Body

Parameter	Type	Required	Constraints	Description
app_id	string	Yes	-	The merchant application ID assigned by Pagsmile.
timestamp	string	Yes	Format: yyyy-MM-dd HH:mm:ss	Request timestamp.
method	string	Yes	Fixed value: NetBanking	Payment method.
version	string	Yes	Fixed value: 2.0	API version.
order_amount	number	Yes	Range: 1 to 500000; supports decimals	Payment amount.
order_currency	string	Yes	Fixed value: INR	Payment currency.
out_trade_no	string	Yes	Must be unique	The merchant-side order ID.
subject	string	Yes	-	Order title or product name.
notify_url	string	No	Valid URL	The URL used to receive asynchronous payment notifications.
return_url	string	No	Valid URL	The URL to redirect the customer after payment.
buyer_id	string	No	-	The unique customer ID in the merchant system.
bank	string	Yes	Example: IDFB	Bank code.
customer.name	string	Yes	-	Customer name.
customer.email	string	Yes	Valid email address	Customer email address.
customer.phone	string	Yes	Valid phone number	Customer phone number.
address.zip_code	string	Yes	-	Customer ZIP code.

Request Sample

{
  "app_id": "162************43",
  "timestamp": "2026-06-23 16:56:29",
  "method": "NetBanking",
  "version": "2.0",
  "order_amount": 1.26,
  "order_currency": "INR",
  "out_trade_no": "ou7********375",
  "subject": "subject",
  "notify_url": "http://demo.gemini-tiger.cn/callback/success",
  "return_url": "https://pagsmile.com/",
  "buyer_id": "51175",
  "bank": "IDFB",
  "customer": {
    "name": "test user",
    "email": "[e-mail]",
    "phone": "91********49"
  },
  "address": {
    "zip_code": "303503"
  }
}

Response

{
  "code": "10000",
  "msg": "Success",
  "prepay_id": "VTdx********9ca77",
  "trade_no": "20260********695",
  "out_trade_no": "out_5********75",
  "web_url": "",
  "pay_url": "https://api.razorpay.com/pg_router/v1/payments/T5znFl/authenticate",
  "trade_status": "PROCESSING"
}