# Enkash Payment Gateway - Features & Payment Options


<Tabs>
  <Tab title="Cards">

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

## <span style="color:#7b2cbf">Card Acceptence</span>  

- **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.  

## <span style="color:#7b2cbf">Preauthorization On Cards</span>  
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**:
      
<Steps>
  <Step title="Authorization">
    Funds are blocked on the customer’s card during order placement.
  </Step>
  <Step title="Order Modification or Cancellation">
    Adjust the order or cancel the transaction.  
  </Step>
  <Step title="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).  
  </Step>
</Steps>


## <span style="color:#7b2cbf">3D Secure 2.0 (3DS 2.0) Authentication Protocol</span>  
       
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.  

## <span style="color:#7b2cbf">Tokenization</span>   

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.  
      
## <span style="color:#7b2cbf">Payment Acceptance from Specific Card BINs</span>  
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.  
 </Tab>
  <Tab title="UPI">

The Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). It enables seamless inter-bank transactions, allowing instant fund transfers between two bank accounts via mobile platforms. UPI has transformed payments in India, providing an efficient, secure, and user-friendly platform for individuals and businesses alike.

#### **Key Features**:
- **UPI Intent:** Enable direct payment via UPI apps from merchant platforms.
- **UPI Collect:** Facilitate payment collection via Virtual Payment Addresses (VPAs).
- **UPI QR Codes:** Generate QR codes for simple and secure payments.
      
## <span style="color:#7b2cbf"> UPI Intent</span>
      
UPI Intent allows customers to complete payments directly through their preferred UPI apps, ensuring a smooth and intuitive transaction experience. Merchants can integrate this functionality to streamline the checkout process on their websites or apps.

#### **How It Works**:
      
<Steps>
  <Step title="Checkout Selection">
    Customers choose UPI as their payment method at checkout
  </Step>
  <Step title="Intent Creation">
    The merchant's platform creates an intent request containing UPI payment details
  </Step>
  <Step title="UPI App Launch">
    Customers tap the intent link, launching their chosen UPI app with pre-filled payment details
  </Step>
    <Step title="Authorization">
Customers review details and authorize the transaction by entering their UPI PIN
  </Step>
    <Step title="Redirection">
    Upon successful payment, customers are redirected back to the merchant’s platform
  </Step>
</Steps>
      
**Alternatively**, merchants can display a QR code at checkout, enabling customers to scan and pay using any UPI app.
      
## <span style="color:#7b2cbf"> UPI Collect</span>  

UPI Collect allows merchants to receive payments by initiating a collect request to the customer’s UPI VPA. This method is ideal for scenarios where customers prefer to input their VPA details manually.

#### **How It Works**:    
<Steps>
  <Step title="Checkout Selection">
Customers select UPI as the payment method and enter their VPA
  </Step>
  <Step title="VPA Verification">
The merchant verifies the provided VPA before sending the collect request
  </Step>
  <Step title="Approval Request">
A payment authorization request is sent to the customer’s UPI app linked to the provided VPA
  </Step>
    <Step title="Authorization">
Customers review the details and approve the transaction by entering their UPI PIN
  </Step>
    <Step title="Redirection">
After successful payment, customers are redirected to the merchant’s platform
  </Step>
</Steps>
      
## <span style="color:#7b2cbf">UPI Intent vs. UPI Collect </span>  
      
| **UPI Intent** | **UPI Collect** |
|----------------|-----------------|
| Customers use a pre-filled link to launch their UPI app. | Customers manually enter their VPA. |
| Faster checkout experience. | Suitable for manual VPA entry workflows. |
| UPI app opens with payment details pre-filled. | Collect request is sent to the customer’s UPI app. |
| Customer reviews and authorizes payment via UPI PIN. | Customer approves payment via UPI PIN in their UPI app. |
| Redirection post-transaction. | Redirection post-transaction. |

## <span style="color:#7b2cbf">UPI QR Codes</span>  

Merchants can generate and share UPI QR codes to receive payments seamlessly. The QR code can be created via:
- **Enkash Dashboard:** Generate and manage QR codes through the user-friendly interface.
- **Enkash APIs:** Automate QR code generation programmatically for seamless integration.

#### **Customer Journey**:
      
<Steps>
  <Step title="Share QR Code">
    Merchant shares the QR code (digitally or physically)
  </Step>
  <Step title="Scan QR Code">
    Customers scan the QR code using any UPI app
  </Step>
  <Step title="Payment">
    Payment details auto-populate; customers authorize using their UPI PIN
  </Step>
    <Step title="Payment Confirmation">
    Payment confirmation is sent to the merchant
  </Step>
</Steps>
  
## <span style="color:#7b2cbf">Supported Platforms</span>  
The UPI Intent and Collect flows are supported for:
- **Mobile Checkout Integration**
- **Web Checkout Integration**

</Tab>
  <Tab title="Netbanking">
      
Netbanking allows customers to make payments directly from their bank accounts by logging in with their Netbanking credentials. It provides a secure and convenient payment method for both merchants and customers.

#### **Features and Benefits**:  
- **Wide Bank Coverage:** Supports payments from 65+ banks across India.  
- **Secure Transactions:** Ensures data protection and transaction integrity.  
- **Customer-Friendly:** Offers a familiar payment method for seamless user experience.  

#### **How It Works**:  
      
<Steps>
  <Step title="Payment Selection">
Customers choose **Netbanking** as the payment method at checkout.
  </Step>
  <Step title="Bank Selection">
Customers select their bank from the list of supported banks.  
  </Step>
  <Step title="Login & Authorization">
Customers are redirected to their bank's Netbanking portal to log in using their credentials.  
  </Step>
    <Step title="Payment Confirmation">
After successful payment, customers are redirected back to the merchant’s platform with a payment confirmation.
  </Step>
</Steps>

## <span style="color:#7b2cbf">Integration Options </span>   
 
- **Hosted Payment Page:** Let Enkash handle the entire payment flow.  
- **API Integration:** Build a customized Netbanking payment flow on your platform using our APIs.
      
## <span style="color:#7b2cbf">Supported Banks</span>   
  
Enkash supports Netbanking payments with 65+ banks across India. Below is the Full List of Supported Banks and Payment Codes to configure and enable Netbanking for your customers.
      
    | Sr. No. | Bank Code | Bank Name                                    | Type      |
|---------|-----------|----------------------------------------------|-----------|
| 1       | NB002     | Airtel Payments Bank                         | Retail    |
| 2       | NB073     | Andhra Pragathi Grameena Bank                | Retail    |
| 3       | NB066     | AU Small Finance Bank                        | Retail    |
| 4       | NB008     | Axis Bank - Corporate Banking                | Corporate |
| 5       | NB007     | Axis Bank - Retail Banking                   | Retail    |
| 6       | NB009     | Bandhan Bank                                 | Retail    |
| 7       | NB010     | Bank of Baharin and Kuwait                   | Retail    |
| 8       | NB012     | Bank of Baroda - Corporate Banking           | Corporate |
| 9       | NB011     | Bank of Baroda - Retail Banking              | Retail    |
| 10      | NB013     | Bank of India                                | Both      |
| 11      | NB014     | Bank of Maharashtra                          | Retail    |
| 12      | NB074     | Bassien Catholic Coop Bank                   | Retail    |
| 13      | NB075     | BNP Paribas                                  | Corporate |
| 14      | NB015     | Canara Bank                                  | Retail    |
| 15      | NB016     | Catholic Syrian Bank                         | Retail    |
| 16      | NB017     | Central Bank of India                        | Retail    |
| 17      | NB019     | City Union Bank                              | Both      |
| 18      | NB021     | Cosmos Bank                                  | Retail    |
| 19      | NB022     | DBS Bank                                     | Retail    |
| 20      | NB076     | DCB - Corporate Banking                      | Corporate |
| 21      | NB023     | DCB - Retail Banking                         | Retail    |
| 22      | NB024     | Deutsche Bank                                | Both      |
| 23      | NB025     | Dhanlaxmi Bank                               | Retail    |
| 24      | NB078     | Equitas Small Finance Bank                   | Retail    |
| 25      | NB079     | ESAF Small Finance Bank                      | Retail    |
| 26      | NB026     | Federal Bank                                 | Retail    |
| 27      | NB080     | Fincare Bank                                 | Retail    |
| 28      | NB027     | HDFC Bank - Retail Banking                   | Retail    |
| 29      | NB071     | HSBC                                         | Retail    |
| 30      | NB029     | ICICI Bank - Corporate Banking               | Corporate |
| 31      | NB028     | ICICI Bank - Retail Banking                  | Retail    |
| 32      | NB030     | IDBI Bank                                    | Retail    |
| 33      | NB031     | IDFC First Bank                              | Retail    |
| 34      | NB032     | Indian Bank                                  | Retail    |
| 35      | NB033     | Indian Overseas Bank                         | Both      |
| 36      | NB034     | Indusind Bank                                | Retail    |
| 37      | NB035     | Jammu & Kashmir Bank                         | Retail    |
| 38      | NB042     | Jana Small Finance Bank                      | Retail    |
| 39      | NB036     | Janata Sahakari Bank                         | Retail    |
| 40      | NB082     | Kalyan Janata Sahakari Bank                  | Retail    |
| 41      | NB037     | Karnataka Bank                               | Retail    |
| 42      | NB081     | Karnataka Gramin Bank                        | Retail    |
| 43      | NB083     | Karnataka Vikas Grameena Bank                | Retail    |
| 44      | NB038     | Karur Vysya Bank                             | Retail    |
| 45      | NB039     | Kotak Mahindra Bank                          | Retail    |
| 46      | NB084     | Mehsana Urban Co-op Bank                     | Retail    |
| 47      | NB085     | NKGSB Co-op Bank                             | Retail    |
| 48      | NB086     | Nutan Nagarik Sahakari Bank Limited          | Retail    |
| 49      | NB069     | Punjab and Sind Bank                         | Retail    |
| 50      | NB044     | Punjab National Bank - Corporate Banking     | Corporate |
| 51      | NB043     | Punjab National Bank - Retail Banking        | Retail    |
| 52      | NB045     | RBL Bank                                     | Retail    |
| 53      | NB046     | Saraswat Bank                                | Retail    |
| 54      | NB048     | Shamrao Vithal Bank                          | Retail    |
| 55      | NB087     | Shivalik Mercantile Cooperative Bank Ltd     | Retail    |
| 56      | NB049     | South Indian Bank                            | Retail    |
| 57      | NB050     | Standard Chartered Bank                      | Retail    |
| 58      | NB047     | State Bank Of India                          | Both      |
| 59      | NB057     | Suryoday Small Finance Bank Ltd              | Retail    |
| 60      | NB091     | Tamil Nadu State Co-operative Bank           | Retail    |
| 61      | NB059     | Tamilnad Mercantile Bank                     | Retail    |
| 62      | NB088     | Thane Bharat Sahakari Bank Ltd               | Retail    |
| 63      | NB090     | The Kalupur Commercial Co-Operative Bank     | Retail    |
| 64      | NB089     | TJSB Bank                                    | Retail    |
| 65      | NB060     | UCO Bank                                     | Retail    |
| 66      | NB061     | Ujjivan Small Finance Bank                   | Retail    |
| 67      | NB062     | Union Bank of India                          | Both      |
| 68      | NB063     | United Bank of India                         | Retail    |
| 69      | NB065     | YES Bank                                     | Retail    |
| 70      | NB092     | Zoroastrian Co-Operative Bank Ltd            | Retail    |
</Tab>
  <Tab title="Wallets">
   
Enkash enables merchants to accept payments through a wide range of digital wallets, offering customers a fast and convenient payment option.  

#### **Features and Benefits**:  
- **Multiple Wallet Support:** Integrate with popular digital wallets to cater to diverse customer preferences.  
- **Seamless Integration:** Add wallet payments effortlessly via Enkash's APIs or hosted payment page.  
- **Customer Convenience:** Provides a quick and familiar payment method for wallet users.  

#### **How It Works**:  
      
<Steps>
  <Step title="Payment Selection">
Customers choose **Wallet** as their payment method at checkout.  
  </Step>
  <Step title="Wallet Selection">
Customers select their preferred wallet from the list of supported options.  
  </Step>
  <Step title="Authorization">
Customers complete the payment using their wallet credentials or linked account. 
  </Step>
    <Step title="Payment Confirmation">
Upon successful payment, customers are redirected back to the merchant’s platform.  
  </Step>
</Steps>

 ## <span style="color:#7b2cbf">Supported Wallets </span>

Enkash supports a comprehensive range of digital wallets. For a complete list of supported wallets and their codes, refer to the table blow

    | Sr. No. | Name            | Code |
|---------|-----------------|-------------|
| 1       | Airtel Money    | WA001       |
| 2       | Amazon Pay      | WA002       |
| 3       | Bajaj Pay Wallet| WA003       |
| 4       | Google Pay      | WA004       |
| 5       | JioMoney        | WA005       |
| 6       | Mobikwik        | WA006       |
| 7       | Paytm           | WA007       |
| 8       | Phonepe         | WA008       |
  </Tab>
</Tabs>

For more information, contact sales@enkash.com