CRED Pay

Your customers can make payments on your website or app using a combination of CRED Coins and Credit Cards saved on CRED.

For example, if a customer has shopped on your website for ₹10, they can choose to redeem CRED Coins worth say, ₹2 and pay the rest ₹8 using credit cards saved on CRED.

Advantages

• Customers can redeem their CRED Coins on websites.

• Customers can access the cards they have saved on CRED to make payments on your website or app.

• CRED recommends which credit card customers can use based on the credit limit, due date and reward points.

Workflow

This diagram explains the workflow:

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.

Prerequisite

• Sign up for a Razorpay account.

• Generate API Keys

• Follow the Razorpay S2S Integration documentation.

Integrate CRED

To add CRED Pay as a payment method, you need to:

• Pass the app_offer parameter in Orders API.
• Pass the method and provider parameters in Create Payments API.

Pass app_offer Parameter in Order

You must create an order using Orders API. In the response, you obtain an order_id which you must pass to Checkout.

/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 sub-unit, 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/disallow customers from using 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”.

Pass method and provider Parameters in Create Payments API

Create Payment

curl -X POST https://api.razorpay.com/v1/payments/create/json \
-u [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-H 'content-type: application/json'
-d '{
  "amount": 1000,
  "currency": "INR",
  "contact": 9900988990,
  "email": "[e-mail]",
  "order_id": "order_4xbQrmEoA5WJ0G",
  "method": "app",
  "provider": "cred",
  "app_present": "false"
}'
```json: Response
{
  "razorpay_payment_id": "pay_xxxx",
  "next": [
    {
      "action": "poll",
      "url": "https://api.razorpay.com/v1/payments/pay_xxx/status"
    }
  ]
}

Request Parameters

Along with the other Create Payment API request parameters, you must pass:

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