PhonePey Gateway Integration Guide

Merchant Integration & API Docs

Accept 0% commission UPI payments directly into your PhonePe Business or UPI account with real-time automated verification.

1. Quick Overview & Authentication

Integrating PhonePey requires only a single parameter: your user_token (API Token). You don't need complicated public/private key pairs or mandatory webhooks.

Authentication Pass user_token in JSON body or Bearer Header

Direct Settlements 0% Commission straight to your Bank / PhonePe

2. JavaScript Embed Modal (2-Line Integration)

Recommended for Websites

Include the PhonePey JavaScript SDK in your website and trigger the popup modal with a single function call:

HTML / FRONTEND CODE

<!-- 1. Include PhonePey SDK -->
<script src="https://www.phonepey.lushai.dev/assets/phonepey.js"></script>

<!-- 2. Trigger Payment Button -->
<button onclick="checkout()">Pay ₹499 with UPI</button>

<script>
function checkout() {
  PhonePey.pay({
    user_token: "YOUR_API_USER_TOKEN",
    amount: 499.00,
    order_id: "ORD_" + Date.now(),
    title: "Pro Monthly License",
    customer_name: "John Doe",
    customer_mobile: "9876543210",
    onSuccess: function(data) {
      alert("Payment Successful! UTR: " + data.utr);
      window.location.reload();
    },
    onFailure: function(err) {
      alert("Payment Failed or Cancelled");
    }
  });
}
</script>

3. Create Order / Payment Link (Backend API)

POST /api/v1/create_link

Create a payment session from your backend server (PHP, Node.js, Python, WordPress, Laravel, etc.).

Field	Type	Required	Description
`user_token`	string	REQUIRED	Your Merchant API Token from Dashboard.
`amount`	float	OPTIONAL	Order amount in INR (₹). If null, customer enters amount.
`title`	string	OPTIONAL	Product name or Order ID (e.g. `Order #1024`).
`redirect_url`	string (URL)	OPTIONAL	Redirect destination URL after payment is captured.

cURL

curl -X POST "https://www.phonepey.lushai.dev/api/v1/create_link" \
  -H "Content-Type: application/json" \
  -d '{
    "user_token": "YOUR_USER_TOKEN",
    "amount": 499.00,
    "title": "Order #1024",
    "redirect_url": "https://yourstore.com/thankyou"
  }'