Payment Methods

The Razorpay Android Custom SDK lets you integrate the supported payment methods on your Android app’s Checkout form.

Fetch Payment Methods

Use the Fetch Payment Methods API to fetch the payment methods available for your account.

Below are the sample payloads for each payment method.

Bank Transfer

This payment method allows you to display your Customer Identifier details on checkout. Your customers can make online bank transfers to this account.

Feature Request

This is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.

to get this feature activated on your account.

There are no specific request parameters to be passed. Instead, you must pass the fetchVirtualAccount method for your Customer Identifier to get created and the details to appear on the checkout. Know more about integrating bank transfer with Custom Checkout.

Debit and Credit Card

For Card payments, method should be specified as card. Other required fields:

• card[name]
• card[number]
• card[cvv]
• card[expiry_month]
• card[expiry_year]

Sample Code

The sample code shown below allows the checkout to accept a card payment of 299.35.

Java

JSONObject data = new JSONObject();
data.put("amount", 29935);
data.put("currency", "INR");
data.put("order_id", "order_DgZ26rHjbzLLY2");//sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]");
data.put("contact", "[phone]");
data.put("method", "card");
data.put("card[name]", "Gaurav Kumar");
data.put("card[number]", "4628 9499 7226 2986");
data.put("card[expiry_month]", "12");
data.put("card[expiry_year]", "30");
data.put("card[cvv]", "100");
```kotlin: Kotlin
val data = JSONObject()
data.put("amount", 29935)
data.put("amount", "INR")
data.put("order_id", "order_DgZ26rHjbzLLY2") //sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]")
data.put("contact", "[phone]")
data.put("method", "card")
data.put("card[name]", "Gaurav Kumar")
data.put("card[number]", "4628 9499 7226 2986")
data.put("card[expiry_month]", "12")
data.put("card[expiry_year]", "30")
data.put("card[cvv]", "100")

Check the list of supported cards.

If you want to securely store customer’s card details as network tokens, know about Saved Cards feature.

EMI on Debit and Credit Cards

For EMI, method should be specified as emi. Add an additional field, emi_duration, corresponding to the number of months for EMI. After a customer selects the desired plan, pass the corresponding value in the emi_duration field.

Sample Code

The sample code below allows checkout to accept a card payment of ₹3999.35:

Java

JSONObject data = new JSONObject();
data.put("amount", 399935);
data.put("order_id", "order_DgZ26rHjbzLLY2");//sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]");
data.put("contact", "[phone]");
data.put("method", "emi");
data.put("emi_duration", 2); //defines the number of months for the EMI.
data.put("card[name]", "Gaurav Kumar");
data.put("card[number]", "4628 9499 7226 2986");
data.put("card[expiry_month]", "12");
data.put("card[expiry_year]", "30");
data.put("card[cvv]", "100");
```kotlin: Kotlin
val data = JSONObject()
data.put("amount", 399935)
data.put("order_id", "order_DgZ26rHjbzLLY2") //sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]")
data.put("contact", "[phone]")
data.put("method", "emi")
data.put("emi_duration", 2) //defines the number of months for the EMI.
data.put("card[name]", "Gaurav Kumar")
data.put("card[number]", "4628 9499 7226 2986")
data.put("card[expiry_month]", "12")
data.put("card[expiry_year]", "30")
data.put("card[cvv]", "100")

Check the list of supported debit card and credit card EMI providers.

Cardless EMI

Cardless EMI is a payment method that allows customers to convert their payment amount to EMIs. The customer does not require a debit or credit card. They can make payments via credits approved by the supported Cardless EMI payment provider. For Cardless EMI, method should be specified as cardless_emi and an additional field provider must specify the provider with its respective provider code.

Feature Request

This is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.

to get this feature activated on your account.

Watch Out!

The customer should be registered with the cardless EMI payment provider before making the payment.

Sample Code

The sample code below allows checkout to accept a card payment of ₹5999.35:

Java

JSONObject payload = new JSONObject("{\"currency\":\"INR\"}");
payload.put("amount", 599935);
payload.put("contact", "[phone]");
payload.put("order_id", "order_9A33XWu170gUtm");
payload.put("email", "[e-mail]");
payload.put("method", "cardless_emi");
payload.put("provider", "walnut369");
```kotlin: Kotlin
val payload = JSONObject("{\"currency\":\"INR\"}")
payload.put("amount", 599935)
payload.put("contact", "[phone]")
payload.put("order_id", "order_9A33XWu170gUtm")
payload.put("email", "[e-mail]")
payload.put("method", "cardless_emi")
payload.put("provider", "walnut369")

Check the list of supported Cardless EMI providers.

Netbanking

For Netbanking, method should be specified as netbanking and an additional field bank must specify the bank with its respective bank code.

Sample Code

The sample code shown below allows the checkout to perform a netbanking transaction for a payment of ₹299.35:

Java

JSONObject data = new JSONObject();
data.put("amount", 29935);
data.put("order_id", "order_DgZ26rHjbzLLY2");//sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]");
data.put("contact", "[phone]");
data.put("method", "netbanking");
data.put("bank", "SBIN");
```kotlin: Kotlin
val data = JSONObject()
data.put("amount", 29935)
data.put("order_id", "order_DgZ26rHjbzLLY2") //sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]")
data.put("contact", "[phone]")
data.put("method", "netbanking")
data.put("bank", "SBIN")

Check the list of supported banks.

Pay Later

You can enable your customers to make payments using the Pay Later service offered by various third-party providers. For pay later, method should be specified as paylater and an additional field provider must specify the provider with its respective provider code.

Sample Code

Use the sample code given below:

Java

JSONObject payload = new JSONObject("{\"currency\":\"INR\"}");
payload.put("amount",5000);
payload.put("contact","[phone]");
payload.put("order_id","order_9A33XWu170gUtm");
payload.put("email", "[e-mail]");
payload.put("method", "paylater");
payload.put("provider", "lazypay");
```kotlin: Kotlin
val payload = JSONObject("{\"currency\":\"INR\"}")
payload.put("amount", 5000)
payload.put("contact", "[phone]")
payload.put("order_id", "order_9A33XWu170gUtm")
payload.put("email", "[e-mail]")
payload.put("method", "paylater")
payload.put("provider", "lazypay")

Check the list of Pay Later providers.

Wallet

For Wallet payments, method should be specified as wallet.

Sample Code

The sample code shown below allows the checkout to perform a wallet transaction for a payment of 299.35 :

Java

JSONObject data = new JSONObject();
data.put("amount", 29935);
data.put("order_id", "order_DgZ26rHjbzLLY2");//sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]");
data.put("contact", "[phone]");
data.put("method", "wallet");
data.put("wallet", "mobikwik");
```kotlin: Kotlin
val data = JSONObject()
data.put("amount", 29935)
data.put("order_id", "order_DgZ26rHjbzLLY2") //sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]")
data.put("contact", "[phone]")
data.put("method", "wallet")
data.put("wallet", "mobikwik")

Check the list Wallets supported by Razorpay.

UPI

For UPI payments, method should be specified as upi. The SDK supports two flows:

1. Intent
2. Collect

UPI Collect Flow Deprecated

According to NPCI guidelines, the UPI Collect flow is being deprecated effective 28 February 2026. Customers can no longer make payments or register UPI mandates by manually entering VPA/UPI id/mobile numbers.

Exemptions: UPI Collect will continue to be supported for:

• MCC 6012 & 6211 (IPO and secondary market transactions).
• iOS mobile app and mobile web transactions.
• UPI Mandates (execute/modify/revoke operations only)
• eRupi vouchers.
• PACB businesses (cross-border/international payments).

Action Required:

• If you are a new Razorpay user, use UPI Intent.
• If you are an existing Razorpay user not covered by exemptions, you must migrate to UPI Intent or UPI QR code to continue accepting UPI payments. For detailed migration steps, refer to the migration documentation.

Intent Flow

Handy Tips

If your application targetSdkVersion is 30 or above, add the following code in your app’s manifest file to support the UPI Intent flow.

AndroidManifest.xml

In Intent Flow, the SDK invokes a UPI intent, which is handled by the UPI apps installed on the Android device.

To implement this flow:

1. Fetch a list of apps on the customer’s device that support UPI payments and Autopay using the sample codes given below:

   • Fetch list of UPI Supported Apps

     Java

     Razorpay.getAppsWhichSupportUpi(this, new RzpUpiSupportedAppsCallback() {
         @Override
         public void onReceiveUpiSupportedApps(List list) {
             // List of upi supported app
         }
     });
     ```kotlin: Kotlin
     Razorpay.getAppsWhichSupportUpi(this) { appList->{ // List of upi supported app
         }
     }
     

   • Fetch list of UPI Autopay Supported Apps

     Java

     Razorpay.getAppsWhichSupportAutopayIntent(this, new RzpUpiSupportedAppsCallback() {
         @Override
         public void onReceiveUpiSupportedApps(List applicationDetailsList) {
         }
     });
     ```kotlin: Kotlin
     Razorpay.getAppsWhichSupportAutopayIntent(this) { appList->{
         //List of autopay supported Apps
         }
     }
     

2. Override the onActivityResult() of your activity and pass the same to our SDK:

   Java

   @Override
   protected void onActivityResult(int requestCode, int resultCode, Intent data){
   super.onActivityResult(requestCode, resultCode, data);
       if(razorpay!=null){
       razorpay.onActivityResult(requestCode,resultCode,data);
       }
   }
   ```kotlin: Kotlin
   override fun onActivityResult(requestCode: Int, resultCode: Int, data: Intent?) {
       super.onActivityResult(requestCode, resultCode, data)
       if (razorpay != null) {
           razorpay.onActivityResult(requestCode, resultCode, data)
       }
   }
   

3. Invoke the UPI and UPI Autopay Intent with the sample codes given below. This will enable the customer to select the desired application.

   • Invoke UPI Intent

     Java

     JSONObject data = new JSONObject();
     data.put("amount", 29935);
     data.put("order_id", "order_DgZ26rHjbzLLY2");//sample order_id. Generate orders using Orders API
     data.put("email", "[e-mail]");
     data.put("contact", "[phone]");
     data.put("method", "upi");
     data.put("_[flow]", "intent");
     data.put("upi_app_package_name", "in.org.npci.upiapp"); //For BHIM app
     ```kotlin: Kotlin
     val data = JSONObject()
     data.put("amount", 29935)
     data.put("order_id", "order_DgZ26rHjbzLLY2") //sample order_id. Generate orders using Orders API
     data.put("email", "[e-mail]")
     data.put("contact", "[phone]")
     data.put("method", "upi")
     data.put("_[flow]", "intent")
     data.put("upi_app_package_name", "in.org.npci.upiapp") //For BHIM app
     

   • Invoke UPI Autopay Intent (Default)

     Java

     JSONObject data = new JSONObject("{currency: 'INR'}");
     data.put("amount", "10000");
     data.put("contact", "[phone]");
     data.put("email", "[e-mail]");
     data.put("order_id", "order_DgZ26rHjbzLLY2");// mandatory for UPI Autopay payments
     data.put("customer_id", "cust_805c8oBQdBGPwS");// mandatory for UPI Autopay payments
     data.put("recurring", "1");
     data.put("description","Credits towards consultation");
     data.put("method", "upi");
     data.put("_[flow]", "intent");
     data.put("upi_app_package_name","com.google.android.apps.nbu.paisa.user"); // pass package name that is returned in getAppsWhichSupportUpi and/or getAppsWhichSupportUpiAutopay
     ```kotlin: Kotlin
     val data = JSONObject("{currency: 'INR'}")
     data.put("amount", "10000")
     data.put("contact", "[phone]")
     data.put("email", "[e-mail]")
     data.put("order_id", "order_DgZ26rHjbzLLY2") // mandatory for UPI Autopay payments
     data.put("customer_id", "cust_805c8oBQdBGPwS") // mandatory for UPI Autopay payments
     data.put("recurring", "1")
     data.put("description", "Credits towards consultation")
     data.put("method", "upi")
     data.put("_[flow]", "intent")
     data.put("upi_app_package_name", "com.google.android.apps.nbu.paisa.user") // pass package name that is returned in getAppsWhichSupportUpi and/or getAppsWhichSupportUpiAutopay
     

   • Preferred Payload for Recurring: In the sample code below, recurring is passed as preferred. It initiates a flow in SDK where, if a selected app supports Autopay payments, the payment passes via the Autopay payment route. If it does not, then it passes via the one-time payment route.

     Java

     JSONObject data = new JSONObject("{currency: 'INR'}");
     data.put("amount", "10000");
     data.put("contact", "[phone]");
     data.put("email", "[e-mail]");
     data.put("order_id", "order_DgZ26rHjbzLLY2");// mandatory for UPI Autopay payments
     data.put("customer_id", "cust_805c8oBQdBGPwS");// mandatory for UPI Autopay payments
     data.put("recurring", "preferred");
     data.put("description","Credits towards consultation");
     data.put("method", "upi");
     data.put("_[flow]", "intent");
     data.put("upi_app_package_name","com.google.android.apps.nbu.paisa.user"); // pass package name that is returned in getAppsWhichSupportUpi and/or getAppsWhichSupportUpiAutopay
     ```kotlin: Kotlin
     val data = JSONObject("{currency: 'INR'}")
     data.put("amount", "10000")
     data.put("contact", "[phone]")
     data.put("email", "[e-mail]")
     data.put("order_id", "order_DgZ26rHjbzLLY2") // mandatory for UPI Autopay payments
     data.put("customer_id", "cust_805c8oBQdBGPwS") // mandatory for UPI Autopay payments
     data.put("recurring", "preferred")
     data.put("description", "Credits towards consultation")
     data.put("method", "upi")
     data.put("_[flow]", "intent")
     data.put("upi_app_package_name", "com.google.android.apps.nbu.paisa.user") // pass package name that is returned in getAppsWhichSupportUpi and/or getAppsWhichSupportUpiAutopay
     

Check the complete list of UPI supported apps and their package names.

Customise Order of Apps

In the Intent Flow, you can customise the order in which UPI apps appear at the Checkout. There are two sections within the app: Preferred Apps and Other Apps.

To define the order in which apps appear under these sections of the app chooser, two lists that contain the application package names must be passed to the SDK within options.

1. Preferred apps list
2. Other apps list

PREFERRED APPS Section

This section displays the list of applications specified using the key preferred_apps_order within options. If no application exists for this key, this section is not displayed.

OTHER APPS Section

The list of applications specified using the key other_apps_order within options is displayed under this section. Any unspecified app (which supports UPI intent) appears subsequent to the list passed in the options.

Sample Code

In the sample code below, BHIM (in.org.npci.upiapp) is passed in the preferred apps list and Google Pay(com.google.android.apps.nbu.paisa.user) in other apps list. As a result, BHIM is shown in the PREFERRED APPS SECTION. Google Pay is shown at the top in the OTHER APPS SECTION followed by other apps present in the device:

Java

JSONArray prefAppsJArray = new JSONArray();
prefAppsJArray.put("in.org.npci.upiapp");

JSONArray otherAppsJArray = new JSONArray();
otherAppsJArray.put("com.google.android.apps.nbu.paisa.user");

payload.put("method", "upi");
payload.put("_[flow]", "intent");
payload.put("preferred_apps_order", prefAppsJArray);
payload.put("other_apps_order", jArray);

Collect Flow

Customers enter their vpa or phone number on your UI and complete the payments on their respective UPI apps in collect flow.

You can now pass the vpa parameter in the upi array as shown below.

Sample Code

The sample code below sends a collect request to gaurav.kumar@exampleupi handle.

Java

JSONObject data = new JSONObject();
data.put("amount", 29935);
data.put("order_id", "order_DgZ26rHjbzLLY2");//sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]");
data.put("contact", "[phone]");
data.put("method", "upi");
data.put("vpa", "gaurav.kumar@exampleupi");
```kotlin: Kotlin
val data = JSONObject()
data.put("amount", 29935)
data.put("order_id", "order_DgZ26rHjbzLLY2") //sample order_id. Generate orders using Orders API
data.put("email", "[e-mail]")
data.put("contact", "[phone]")
data.put("method", "upi")
data.put("vpa", "gaurav.kumar@exampleupi")

UPI Payments Using Phone Number

You can accept UPI payments using phone number for the collect flow. Follow the steps given below:

1. You must collect the customer’s phone number from your end.
2. Check if any vpa is associated with the given number and get the vpa_token for that number using the sample code given below:
   Java

   razorpay.isValidVpa("[phone]", new ValidateVpaCallback() {
       @Override
       public void onResponse(JSONObject response) {
           if (response.has("error")) {
               // Error: no VPA associated with the given number
           } else if (response.has("success")) {
               // VPA Validation Successful
               // Get and store response.vpa_token for initiating payment
               // You will get response.masked_vpa in this response which you can show to the end user
           }
       }
   
       @Override
       public void onFailure() {
           // Called in cases where the number is empty or when the device is not connected to data to make the validation
       }
   });
   ```kotlin: Kotlin
   razorpay.isValidVpa("[phone]", object : ValidateVpaCallback {
       override fun onResponse(response: JSONObject?) {
           response?.let {
               if (it.has("error")) {
                   // Error: no VPA associated with the given number
               } else if (it.has("success")) {
                   // VPA Validation Successful
                   // Get and store response.vpa_token for initiating payment
                   // You will get response.masked_vpa in this response which you can show to the end user
               }
           }
       }
   
       override fun onFailure() {
           // Called in cases where the number is empty or when the device is not connected to data to make the validation
       }
   })
   
3. Pass the vpa_token parameter in the upi array as shown below:
   Java

   JSONObject data = new JSONObject();
   data.put("amount", 29935);
   data.put("order_id", "order_DgZ26rHjbzXXXX");//sample order_id. Generate orders using Orders API
   data.put("email", "[e-mail]");
   data.put("contact", "[phone]");
   data.put("method", "upi");
   data.put("vpa_token", "f731951149df8903d374b117f921ab41");
   ```kotlin: Kotlin
   val data = JSONObject()
   data.put("amount", 29935)
   data.put("order_id", "order_DgZ26rHjbzXXXX") //sample order_id. Generate orders using Orders API
   data.put("email", "[e-mail]")
   data.put("contact", "[phone]")
   data.put("method", "upi")
   data.put("vpa_token", "f731951149df8903d374b117f921ab41")
   

Turbo UPI

Make UPI payments a faster, 2-step experience for your customers with Razorpay’s Turbo UPI SDK.

1. Turbo UPI Headless Integration
2. Turbo UPI UI Integration

Know more about the Customer Onboarding.

CRED

Customers can make payments on your Android app using their CRED Coins as well as the credit cards saved on CRED. The SDK supports two flows:

1. Intent
2. Collect

Handy Tips

Ensure you have integrated with Razorpay Android SDK version 3.9.0 or higher.

Prerequisites

You need to pass the app_offer parameter in the Orders API.

/orders

Curl

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/orders \
-H "content-type: application/json" \
-d '{
  "amount": 1000,
  "currency": "INR",
  "receipt": "receipt#1",
  "app_offer": true
}'
```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.order.create({
  "amount": 1000,
  "currency": "INR",
  "receipt": "receipt#1",
  "app_offer": true
 })
```php: PHP 
$api = new Api($key_id, $secret);

$api->order->create(array('receipt' => 'receipt#1', 'amount' => 1000, 'currency' => 'INR', 'app_offer'=> true));

```csharp: .NET 
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary options = new Dictionary();
options.Add("amount", 1000); // amount in the smallest currency unit
options.Add("receipt", "receipt#1");
options.Add("currency", "INR");
options.Add("app_offer", true);
Order order = client.Order.Create(options);

```js: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.orders.create({
  amount: 1000,
  currency: "INR",
  receipt: "receipt#1",
  app_offer: true
})

```go: go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
  "amount": 1000,
  "currency": "INR",
  "receipt": "receipt#1",
  "app_offer": true
}
body, err := client.Order.Create(data, nil)

```ruby: Ruby 
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

order = Razorpay::Order.create amount: 1000, currency: 'INR', receipt: 'receipt#1', app_offer: true

```java: Java
RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject orderRequest = new JSONObject();
orderRequest.put("amount", 1000); // amount in the smallest currency unit
orderRequest.put("currency", "INR");
orderRequest.put("receipt", "receipt#1");
orderRequest.put("app_offer", true);

Order order = razorpay.orders.create(orderRequest);

```json: Response
{
  "id": "order_FNPoKwCtPyhJOt",
  "entity": "order",
  "amount": 1000,
  "amount_paid": 0,
  "amount_due": 1000,
  "currency": "INR",
  "receipt": null,
  "status": "created",
  "attempts": 0,
  "notes": [],
  "created_at": 1596703420
}

Request Parameters

amount mandatory : integer The transaction amount, expressed in the currency subunit, such as paise (in case of INR). For example, for an actual amount of ₹299.35, the value of this field should be 29935.

currency mandatory : string The currency in which the transaction should be made. See the list of supported currencies. Default is INR.

app_offer optional : boolean Allow/do not allow customers to use CRED coins to make payments. This is used to prevent double discounting scenarios where customers have already availed discounts using voucher/coupon, and you do not want them to redeem Coins as well. Possible values:

• true: Customer not allowed to use CRED coins to make payment.
• false (default): Customer can use CRED coins to make payment.

receipt optional : string Your receipt id for this order should be passed here. Maximum length is 40 characters.

notes optional : object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

Intent Flow

The Android SDK performs the following functions to invoke the intent on the Android device:

• Handles the intent response from CRED
• Opens the CRED app
• Process the payment
• Send success or failure response back to your app

To use this flow:

1. Step 1

   Detect presence of CRED app on customer’s Android device.

2. Step 2

   Create a payment.

3. Step 3

   Implement PaymentResultWithDataListener Method.

1. Detect Presence of CRED App

Use the below code to check if the CRED app is present in the customer’s Android device. Razorpay.isCredAppInstalled(activity) returns a boolean value, disclosing whether the app is present on the device or not.

Java

if (Razorpay.isCredAppInstalled(PaymentOptions.this)) {
  payWithCredBtn.setText("CRED Pay (Intent Flow)");
} else {
    payWithCredBtn.setText("CRED Pay (Collect Flow)");
}
```kotlin: Kotlin
if (Razorpay.isCredAppInstalled(this@PaymentOptions)) {
    payWithCredBtn.setText("CRED Pay (Intent Flow)");
} else {
    payWithCredBtn.setText("CRED Pay (Collect Flow)");
}

2. Create Payment

After you receive the customer’s app information, send it to the Razorpay API to complete the creation step of the payment flow. Below is the payload(JSON Object) to be sent:

Java

razorpay.submit(payload,activityObject)

JSONObject data = new JSONObject("{currency:'INR'}");
data.put("amount", 29935);
data.put("order_id", "order_DgZ26rHjbzLLY2");
data.put("email", "[e-mail]");
data.put("contact", "9000090000");
data.put("method", "app");
data.put("provider", "cred");
data.put("app_present", true);
```kotlin: Kotlin
val data = JSONObject("{currency:'INR'}")
data.put("amount", 29935)
data.put("order_id", "order_DgZ26rHjbzLLY2")
data.put("email", "[e-mail]")
data.put("contact", "9000090000")
data.put("method", "app")
data.put("provider", "cred")
data.put("app_present", true)

Request Parameters

method mandatory : string The method used to make the payment. Here, it must be app.

provider mandatory if method=app : string Name of the PSP app. Here, it must be cred.

app_present mandatory if app=cred : boolean Based upon response from the app present function, pass the value in this field. Possible values:

• true: Opens the CRED app on customer’s device.
• false (default): Sends a push notification to customer’s device.

3. Implement PaymentResultWithDataListener Method

The PaymentResultListener or PaymentResultWithDataListener methods can be implemented the way shown in the above function or directly globally to the activity class. The functions will be implemented based on the method chosen.

Sample Code for PaymentResultListener

Below are the sample codes for PaymentResultListener method.

Java

razorpay.submit(data, new PaymentResultListener() {
		@Override
		public void onPaymentSuccess(String razorpayPaymentId) {
			// Razorpay payment ID is passed here after a successful payment
		}

		@Override
		public void onPaymentError(int code, String description) {
			// Error code and description is passed here
		}
	});

} catch (Exception e) {
	Log.e(TAG, "Error in submitting payment details", e);
}
```kotlin: Kotlin
razorpay.submit(payload, object : PaymntResultListener {
    override fun onPaymentSuccess(razorpayPaymentId: String?) {
        // razorpay payment ID and PaymentData passed here after a successful payment
    }

    override fun onPaymentError(p0: Int, p1: String?) {
        // Error code and description is passed here
    }
})

Sample Code for PaymentResultWithDataListener

Below are the sample codes for PaymentResultWithDataListener method.

Java

razorpay.submit(data, new PaymentResultWithDataListener() {
      @Override
      public void onPaymentSuccess(String razorpayPaymentId, PaymentData paymentData) {
          // razorpay payment ID and PaymentData passed here after a successful payment
      }

      @Override
      public void onPaymentError(int code, String description) {
          // Error code and description is passed here
      }
  });

} catch (Exception e) {
    Log.e(TAG, "Error in submitting payment details", e);
}
```kotlin: Kotlin
razorpay.submit(payload, object : PaymentResultWithDataListener {
    override fun onPaymentSuccess(p0: String?, p1: PaymentData?) {
        // Razorpay payment ID and PaymentData passed here after a successful payment
    }

    override fun onPaymentError(p0: Int, p1: String?, p2: PaymentData?) {
        // Error code and description is passed here
    }
})

Collect Flow

In Collect Flow, the SDK sends a push notification to the contact number passed in the create request. Pass the following parameters to initiate a collect payment.

JSONObject data = new JSONObject();
data.put("amount", 29935);
data.put("order_id", "order_DgZ26rHjbzLLY2");
data.put("email", "[e-mail]");
data.put("contact", "9000090000");
data.put("method", "app");
data.put("provider", "cred ");
data.put("app_present", "false")
```kotlin: Kotlin
val data = JSONObject()
data.put("amount", 29935)
data.put("order_id", "order_DgZ26rHjbzLLY2")
data.put("email", "[e-mail]")
data.put("contact", "9000090000")
data.put("method", "app")
data.put("provider", "cred ")
data.put("app_present", "false")

Request Parameters

method mandatory : string The method used to make the payment. Here, it must be app.

provider mandatory if method=app : string Name of the PSP app. Here, it must be cred.

app_present mandatory if app=cred : boolean Sets the payment flow as collect. Possible values:

• true: Opens the Cred app on customer’s device.
• false (default): Sends a push notification to customer’s device.

UPI Collect Flow Deprecated

According to NPCI guidelines, the UPI Collect flow is being deprecated effective 28 February 2026. Customers can no longer make payments or register UPI mandates by manually entering VPA/UPI id/mobile numbers.

Exemptions: UPI Collect will continue to be supported for:

• MCC 6012 & 6211 (IPO and secondary market transactions).
• iOS mobile app and mobile web transactions.
• UPI Mandates (execute/modify/revoke operations only)
• eRupi vouchers.
• PACB businesses (cross-border/international payments).

Action Required:

• If you are a new Razorpay user, use UPI Intent.
• If you are an existing Razorpay user not covered by exemptions, you must migrate to UPI Intent or UPI QR code to continue accepting UPI payments. For detailed migration steps, refer to the migration documentation.