Enkash APIs
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  1. Payment Gateway
  • Explore Our Product Suite
  • Payment Gateway
    • Payment Gateway Overview
    • Getting Started
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        • Search Settlement Payouts
      • Split Settlement
        • Create Split Settlement Account
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      • E-Commerce Plugins
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  • Payouts
    • Payouts Overview
    • Payouts Sign Up
    • Payout Methods
    • Payout API Response Codes
    • Payouts Integration Steps
    • Encrypting and Decrypting Payload
    • Payouts Status Codes
    • Get Authentication Token
      • Get Authentication Token
    • Beneficiary Apis
      • Create Beneficiary
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    • Transfer Apis
      • Create Payout
      • Search Payouts
      • Create Batch Payout
    • Payout Account Apis
      • Get Balance
      • Get Source Bank Account Details
      • Add Source Bank Account
      • Fetch Bank Statement
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  • Prepaid Cards
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      • Card Usage Controls
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      • Get Card Details
      • Get Transaction Details
      • Get All Transaction details
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      • webhook-invoice
        • Webhook Create Invoice Request
        • Webhook Create Invoice Response
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      • webhook-payments
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        • Webhook Send CdNote Request
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        • Webhook Status Change CdNote Request
        • Webhook Status Change CdNote Response
      • Webhook Purchase Order
        • Webhook Send Purchase Order Request
        • Webhook Send Purchase Order Response
        • Webhook Confirm Purchase Order Request
        • Webhook Confirm Purchase Order Response
        • Webhook Edit Purchase Order Request
        • Webhook Edit Purchase Order Response
        • Webhook Status Change Purchase Order Request
        • Webhook Status Change Purchase Order Response
    • Bill Payments
      • Bill Payments Overview
      • Utility API Response Handling
      • Get Authentication Token
      • Get BillerTypes
      • Get Billers
      • Fetch Bill
      • Create Bill API
      • Create Bill Without Bill Fetch
      • Bill Payment
      • Utility Bill Approval API
      • Get Utility Bill Status
      • Get Utility Bill by Reference Id
      • Get Utility Bills Detail
      • Bill Payment Webhook
  • Accounts Payable
    • About AP Management Tool
    • Vendor Management
      • Create Vendor
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      • Get Beneficiaries (V1)
      • Get Beneficiaries
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    • Invoice Management
      • Payout Apis
        • validateInvoices
        • initiate
        • Search Payouts V1
        • bulkCreatePayout
        • Create Payout
        • Update Payouts
        • Search Payouts
        • createBulkPayoutForPartnerIntegration
        • Update Bulk Payouts
        • Update Approval Status
        • Get Invoice Data
        • Delete Payout
    • Bharat Connect 2.0 AP
      • Confirm Invoice Request
      • Payment Request
    • Update Beneficiary
  • Account Receivable
    • Accounts Receivable Overview
    • Get Authentication Token Copy
      • Get Authentication Token
    • Customer Management
      • Customer Apis
        • Activate customer
        • createBulkCustomer
        • bulkUpdate
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        • deleteCustomerByCustomerId
        • updateCustomer
    • Customer Contacts Management
      • Customer Apis
        • getCustomerContactDetails
    • Invoice Management
      • invoice-controller
        • createInvoice
        • invoiceBulkUpload
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        • searchCollectionInvoices
        • getInvoice
        • updateInvoice
    • Payment Reminders
      • customer-reminder-controller
        • createCustomerReminder
        • getCustomerReminders
        • getCustomerReminder
        • deleteReminder
        • updateCustomerReminder
    • Bharat Connect 2.0 AR
      • Payment Confirmation Request
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      • Bulk Create Invoice
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      • Incentive Allocation
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        • Get Incentive Transaction details
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      • Redemption
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        • Get Cart for User
        • Search Catalog
        • Get Product Catalog Details
        • Get Product Configs (Denominations)
        • Add to cart
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        • Create Order
        • Order Search
        • create order
        • Fetch Order Info by Partner order Reference id
      • Point Management
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        • Allocate Coins
        • Get Balance
  • Verification Suite
    • Verification Suite Overview
    • Bank Account Verification
      • Bank Account Verification PennyLess/PennyDrop
    • GSTN Verification
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    • PAN Verification
      • Pan Verification
    • UPI(VPA) Verification
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  1. Payment Gateway

Supported Features with Enkash Payment Gateway

Cards
UPI
Netbanking
Wallets
Enkash offers robust and flexible card payment solutions tailored to meet diverse business needs. Here's an overview of the key features and benefits:

Card Acceptence#

Card Networks: Visa, Mastercard, Rupay, Amex, and Diners.
Card Type: Credit, Corporate, Debit and Prepaid Cards, catering to individual and business users.
Configurable Acceptence: Choose to accept specific card types, such as only debit cards or credit cards.

Preauthorization On Cards#

Preauthorization enables you to block funds temporarily without capturing them immediately.

Use Case:#

Ideal for businesses requiring flexibility in order management, such as marketplace, hotels, car rentals and many more.

How It Works:#

1
Authorization
Funds are blocked on the customer’s card during order placement.
2
Order Modification or Cancellation
Adjust the order or cancel the transaction.
3
No Extra Cost
If the transaction is canceled within a specific timeframe, the blocked funds are released to the customer without any payment gateway transaction cost (MDR).

3D Secure 2.0 (3DS 2.0) Authentication Protocol#

3DS 2.0 combines advanced protection with a smoother payment experience, giving cardholders the confidence to shop securely and conveniently online.

Here’s how it benefits cardholders#

Fraud Prevention: Verifies card holder's identity during transactions to reduce unauthorized card use.
Dynamic Authentication: Uses advanced methods like biometrics faceID or OTPs for secure payments.
Frictionless Transactions: Lets the cardholder Authorise payment by useing biometrics, faceID and other preferences for a tailored experience.
Faster Checkout: Reduces delays, making online shopping quick and easy.
Device-Friendly: Works seamlessly on smartphones and in mobile apps, desktops, tablets, and more.
Global Security Standards:
Meets global regulations like Strong Customer Authentication (SCA) to ensure secure, compliant payments.

Tokenization#

Compliant with RBI Tokenization Guidelines, tokenization ensures secure and seamless Payments for Cardholders
Tokenization enhances payment security and simplifies the shopping experience.

Here are the key benefits for cardholders#

Reduced Risk of Data Breaches: Replaces sensitive card details with unique, non-reversible tokens, minimizing fraud risks.
Sensitive Data Protection: Card information isn’t stored on merchant systems, keeping it safe from cyberattacks.
Protection in Case of Theft: Compromised tokens are useless outside the specific transaction or merchant, safeguarding card details.
Fraud Mitigation: Tokens are transaction-specific, limiting misuse potential.
Faster Checkout: Secure transactions without re-entering card details for every purchase.
Improved Convenience: Safely use the "save card" feature with merchants.
Minimized Data Exposure: Tokens keep the card details private, even if a the merchant system is hacked.

Payment Acceptance from Specific Card BINs#

Enkash allows merchants to restrict transactions based on specific card BINs or cards issued by particular banks.

Use Cases:#

1.
Card-Issuing Merchants: Restrict payments to cards issued by your business to foster loyalty and engagement.
2.
Exclusive Bank Partnerships: Limit transactions to partner bank cards for streamlined operations and user targeting.
For more information, contact sales@enkash.com
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