Payment Methods

You can use the Razorpay Flutter Custom SDK to integrate the supported payment methods on your Flutter app’s Checkout form.

Debit and Credit Card

For card payments, method should be specified as card.

Sample Code

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

Card

var options = {
                "key": key,
                "amount": 29935,
                "currency": "INR",
                "contact": "[phone]",
                "email": "[e-mail]",
                "order_id": "order_EMBFqjDHEEn80l", // Generate order_id using Orders API,
                "description": "Fine T-Shirt"
                "method": "card",
                "card[name]": "Test User",
                "card[number]": "card number",
                "card[expiry_month]": 11,
                "card[expiry_year]": 30,
                "card[cvv]": ,
                "display_logo": "0"
            };
        _razorpay.submit(options);

Netbanking

For netbanking, method should be specified as netbanking and an additional field bank must specify the bank with its respective bank code. Use getPaymentMethods to retrieve the list of supported bank codes.

Sample Code

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

Netbanking

netBankingOptions = {
      "key": key,
      "amount": 29935,
      "currency": "INR",
      "email": "[e-mail]",
      "order_id": "",
      "contact": "9009009009",
      "method": "netbanking",
      "bank": "icic"
    };
_razorpay.submit(netBankingOptions!);

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

UPI Intent

 
final supportedUpiApps = _razorpay.getAppsWhichSupportUpi();
 
var options = {
       "key": key,
       "amount": 29935,
       "currency": "INR",
       "email": "[e-mail]",
       "contact": "9009009009",
       "method": "upi",
       "_[flow]": "intent",
       "upi_app_package_name": "paytm",
       "order_id": ""
};
_razorpay.submit(options);

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

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

Collect Flow

In Collect Flow, the collect request will be sent to the UPI app for the specified vpa.

Sample Code

The sample code below will send collect request to gaurav.kumar@exampleupi handle:

UPI Collect

 
var options = {
       "key": key,
       "amount": 29935,
       "currency": "INR",
       "email": "[e-mail]",
       "order_id": "",
       "contact": "9009009009",
       "method": "upi",
       "_[flow]": "collect",
       "vpa": "gauravkumar@exampleupi"
};
_razorpay.submit(options);

CRED

Given below is the sample code when the payment method is app and provider is cred.

Intent Flow

• Check if the Cred app is installed on the customer’s phone. This can be detected by calling isCredAppAvailable method.

Flow

onPressed: () {
   final credAppInstalled = _razorpay.isCredAppAvailable();   
var options = {
           "key": key,
           "amount": 29935,
           "currency": "INR",
           "email": "[e-mail]",
           "contact": "9009009009",
           "app_present": true,
           "method": "app",
           "provider": "cred",
           "order_id": ""
           if (credAppInstalled) {
             'callback_url': 'flutterCustomUI://'
           }
       };
_razorpay.payWithCred(options); 
}

• Handle the Cred app callback in the AppDelegate. To do this:
  1. Open Runner.xcworkspace.
  2. Go to AppDelegate.swift.
  3. Add the open url: method as given below:

Open URL

override func application(_ app: UIApplication, open url: URL, options: [UIApplication.OpenURLOptionsKey : Any] = [:]) -> Bool {
        DispatchQueue.main.asyncAfter(deadline: .now() + 2.0) {
            NotificationCenter.default.post(name: NSNotification.Name(rawValue: "CRED_CALLBACK_NOTIFICATION"), object: nil, userInfo: ["response":url.absoluteString])
    }
        return false
    }

Collect Flow

Check if the Cred app is installed on the customer’s phone. This can be detected by calling isCredAppAvailable method.

Collect Flow

var options = {
           "key": key,
           "amount": 29935,
           "currency": "INR",
           "email": "[e-mail]",
           "contact": "9009009009",
           "app_present": false,
           "method": "app",
           "provider": "cred",
           "order_id": ""
       };
_razorpay.submit(options); 

Pay Later

Given below is the sample code for the payment method paylater. Know more about paylater.

Paylater

var options = {
      "key": key,
      "amount": 29935,
      "currency": "INR",
      "email": "[e-mail]",
      "contact": "9009009009",
      "method": "paylater",
      "provider": "",
      "order_id": ""
    };
_razorpay.submit(options!);

Cardless EMI

Given below is the sample code for the payment method cardless_emi. Know more about Cardless EMI.

Cardless EMI

var options = {
      "key": key,
      "amount": 29935,
      "currency": "INR",
      "email": "[e-mail]",
      "contact": "9009009009",
      "method": "cardless_emi",
      "provider": "",
      "order_id": ""
    };
_razorpay.submit(netBankingOptions!);

EMI

Given below is the sample code for the payment method emi.

EMI

var options = {
       "key": key,
       "amount": 100,
       "card[cvv]": 123,
       "card[expiry_month]": 11,
       "card[expiry_year]": 25,
       "card[name]": "Test User",
       "card[number]": "4386289407660153",
       "contact": "9900990099",
       "currency": "INR",
       "display_logo": "0",
       "email": "[e-mail]",
       "description": "Fine T-Shirt",
       "method": "emi",
       "emi_duration": 9,
       "order_id": ""
};
_razorpay.submit(options);