Create payment

POST api/v2/paygate/payment/wallet/
Create a payment by wallet

Request Body schema

application/json

Field	Type	Required	Description	Example
endpoint	string	Yes	Api key	"1dc4441f-38d5-42b5-a705-81958f928462"
amount	integer	Yes	Amount in minor units	1000
currency	integer	Yes	Number code	356
buyer	object	Yes	Buyer at the endpoint in JSON format	{"remote_id": "string", "ip": "string"}
payment_method	string	Yes	Payment method. May be: upi, imps	"upi"
description	string	No	Description	"string"
client_id	string	No	Transaction id at the endpoint. Max 255 chars	"string"
success_url	string or null	No	Redirect URL after success result	"http://example.com"
fail_url	string or null	No	Redirect URL after fail result	"http://example.com"
notify_url	string or null	No	Notification URL of changed status	"http://example.com"
name	string	No	The customer's name	"John Smith"
email	string	No	The customer's email	"user@example.com"
phone	string	No	International phone number of the customer, without the '+'	"911123456789"
country	string	No	The customer's country code (ISO 3166-1 alpha-2)	"IN"
account_number	string	Yes	Payer account: UPI VPA for upi, bank account number for imps. This is not the post-payment UTR.	"payer@bank"

For Pay247 UPI/IMPS payments, the merchant must send a non-empty account_number in the creation request. When this value is supplied, the PayPlanet P2P form skips the repeated payer-account entry step. If it is missing, the form may request it as a compatibility fallback. This requirement is specific to this flow, not all wallet providers.

After transferring the funds, the payer must still enter the UTR (transaction reference from the payment receipt). It is submitted separately as document_info to the P2P confirmation endpoint; do not send the UTR as account_number when creating a payment.

Pay247 returns p2p_wallet_data.valid_till as the transaction creation time plus 15 minutes, in UTC (YYYY-MM-DD HH:MM:SS), for both UPI and IMPS. Refreshing the form does not extend this deadline.

Request sample

{
    "endpoint": "1dc4441f-38d5-42b5-a705-81958f928462",
    "amount": 1000,
    "currency": 356,
    "buyer": {
        "remote_id": "string",
        "ip": "string"
    },
    "payment_method": "upi",
    "description": "string",
    "client_id": "string",
    "success_url": "http://example.com",
    "fail_url": "http://example.com",
    "notify_url": "http://example.com",
    "name": "string",
    "email": "user@example.com",
    "phone": "911123456789",
    "country": "IN",
    "account_number": "payer@bank"
}

Response sample

STATUS 201

{
    "redirect_url": "http://example.com",
    "info": {
        "tx": "f17d7f5c-6b4a-47fd-95eb-08086e250473",
        "payment": {},
        "status": "create",
        "currency": {
          "id": 0,
          "title": "Indian Rupee",
          "char_code": "INR",
          "num_code": 356
        },
        "amount": 1000,
        "created_at": "2000-01-01T00:00:00Z",
        "errors": {},
        "parts_tx": [],
        "additional_data": {},
        "endpoint_logo": "string"
    },
    "qr_code": {
        "qrcode": "string",
        "beneficiary": "string",
        "format": "string",
        "copypaste": "string"
    },
    "p2p_wallet_data": {
        "target_account_number": "string",
        "bank_name": "string",
        "holder": "string",
        "valid_till": "2000-01-01 00:15:00"
    },
    "p2p_card_data": {
        "target_card_number": "string",
        "bank_name": "string",
        "holder": "string",
        "valid_till": "2000-01-01T00:15:00Z",
        "tll": "00:15:00Z"
    },
    "pay_data": [{
            "title": "paytm",
            "img": "string",
            "upi": {
                "android": "string",
                "ios": "string"
            }
        },
            {
            "title": "googlepay",
             "img": "string",
             "upi": {
                "android": "string",
                "ios": "string"
            }
        },
            {
            "title": "phonepe",
            "img": "string",
            "upi": {
                "android": "string",
                "ios": "string"
            }
        },
            {
            "title": "other",
            "img": "string",
            "upi": {
                "android": "string",
                "ios": "string"
            }
        }]
}