Payment Methods

## Card Payment Features with Enkash Payment Gateway

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:

Funds are blocked on the customer’s card during order placement. Adjust the order or cancel the transaction. 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:

Card-Issuing Merchants: Restrict payments to cards issued by your business to foster loyalty and engagement.
Exclusive Bank Partnerships: Limit transactions to partner bank cards for streamlined operations and user targeting.

Unified Payments Interface (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.

UPI Intent

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:

Customers choose UPI as their payment method at checkout The merchant's platform creates an intent request containing UPI payment details Customers tap the intent link, launching their chosen UPI app with pre-filled payment details Customers review details and authorize the transaction by entering their UPI PIN Upon successful payment, customers are redirected back to the merchant’s platform

Alternatively, merchants can display a QR code at checkout, enabling customers to scan and pay using any UPI app.

UPI Collect

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:

Customers select UPI as the payment method and enter their VPA The merchant verifies the provided VPA before sending the collect request A payment authorization request is sent to the customer’s UPI app linked to the provided VPA Customers review the details and approve the transaction by entering their UPI PIN After successful payment, customers are redirected to the merchant’s platform

UPI Intent vs. UPI Collect

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.

UPI QR Codes

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:

Merchant shares the QR code (digitally or physically) Customers scan the QR code using any UPI app Payment details auto-populate; customers authorize using their UPI PIN Payment confirmation is sent to the merchant

Supported Platforms

The UPI Intent and Collect flows are supported for:

Mobile Checkout Integration
Web Checkout Integration

Enkash payment gateway provides simple integration options for enabling Netbanking on your platform

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:

Customers choose **Netbanking** as the payment method at checkout. Customers select their bank from the list of supported banks. Customers are redirected to their bank's Netbanking portal to log in using their credentials. After successful payment, customers are redirected back to the merchant’s platform with a payment confirmation.

Integration Options

Hosted Payment Page: Let Enkash handle the entire payment flow.
API Integration: Build a customized Netbanking payment flow on your platform using our APIs.

Supported Banks

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 |

Accept payments through a wide range of digital 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:

Customers choose **Wallet** as their payment method at checkout. Customers select their preferred wallet from the list of supported options. Customers complete the payment using their wallet credentials or linked account. Upon successful payment, customers are redirected back to the merchant’s platform.

Supported Wallets

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 |

For more information, contact sales@enkash.com

Last modified: 5 days ago