Paytm Auto-Debit Payment

Auto-debit is a one-click payment experience for your website or mobile app enabling payments via Paytm Wallet and Paytm Postpaid. Your customers need to authorize and link their Paytm account with your application once and enjoy superfast checkout every time after that. Auto-debit also enables adding money to user’s Paytm account within your application itself ensuring higher payment success rates.

Please note: Paytm Auto-Debit is only available to select enterprise customers with high transaction volumes and established businesses. Get in touch to request access to Paytm Auto-Debit payment solution.

Demo of Paytm Auto-Debit


Overview of payment processing via Paytm Auto-Debit


  1. User visits your website or mobile application
  2. You ask the user to link her Paytm account for seamless payments
  3. You initiate the account linking process using Send OTP API and Validate OTP API
  4. Once user account is successfully linked, Paytm shares the user SSO_TOKEN with you
  5. User adds goods/services into the shopping/order cart
  6. You calculate the total amount and call the Paytm Check Balance API
  7. Paytm returns if the user has sufficient balance for the transaction. If not, you initiate the Add Money process with the differential amount
  8. Call the Auto Debit API to withdraw the money from user's Paytm account
  9. Call the Transaction Status API to verify the transaction response
  10. Notify the payment status to user and proceed with the order/service fulfillment

Steps in processing payments via Paytm Auto-Debit


STEP 1: Get your authentication keys

Please note: Paytm Auto-Debit is only available to select enterprise customers with high transaction volumes and established businesses. Get in touch to request access to Paytm Auto-Debit payment solution.
  1. Client ID: a unique alphanumeric identifier issued by Paytm for your account
  2. Client Secret: a unique alphanumeric key issued by Paytm for your account
  3. MID: A unique merchant identifier issued by Paytm for your account
  4. Merchant Key: A 16-digit unique identifier issued by Paytm for your account

Note: Client Secret and Merchant Key are secret keys used for encryption so never share these with anyone


STEP 2: Link a user’s Paytm account with your application

Demo of Paytm Account Linking


Use the following APIs to link a paytm account, validate the linked account and remove linked account

Link user’s Paytm Account

  • Send OTP API: Send user’s email ID or 10-digit mobile number to Paytm. We will send an OTP to the user’s mobile number to continue with authorization
  • Verify OTP API: Accept the OTP entered by user, verify it and receive the user token. The validity of the token will always be verified by your Paytm Client ID that is provided by Paytm

Validate account linking

Remove account linking

  • Revoke Access API: Used for expiring user’s token. This is required when a customer deletes/delink his/her account or logs in with a new mobile number in your application


STEP 3: Check Balance and Add Money

You must ensure user has enough balance to pay for the order by calling the Check Balance API.

  1. Call the check balance API with the amount required for the order

  2. Paytm validates if given amount exists in any Paytm proprietary payment instrument (Paytm Balance and Paytm Postpaid)

  3. If any of the proprietary payment instruments don’t have sufficient balance then API returns the differential Amount.

    For example: A user has Rs. 100 in her Paytm Wallet, Rs. 150 in Paytm Postpaid and transaction amount for the order is Rs. 220. In this case, no payment method has sufficient funds so the API returns the differential amount (transaction amount - wallet amount), Rs. 120 that is. You have to prompt the user to add money in her Wallet.
  4. In case user needs to add money to pay for an order, you initiate the Add Money process


STEP 4: Debit amount from user's Paytm account and confirm the transaction

Now that you have ensured that your customer has enough balance to pay for the order, you can debit the amount using the Auto Debit API and confirm the transaction using Transaction Status API


STEP 5: Managing Refunds

If you need to cancel or refund a successful transaction, you can do so by simply sending a Refund API request and ensuring success using the Refund Status API.


On completion of your integration -


Post completion of integration on your staging environment, do a complete transaction from order summary page on your website or mobile app

  1. Attempt a test transaction using test paymodes credentials

  2. Ensure you re-verify transaction response with Transaction Status API via server to server call in payment flow and not separately as a one time activity

  3. See the transaction details in “Test Data” mode on your dashboard

Once the test transaction is complete, move your code to live environment with production account details, which you would have received from Paytm.

Lastly, it's recommended that you read about Managing Refunds and late payment notifications

In case of any issues with integration, please get in touch