Intelligent Router

Are you using or planning to use multiple payment providers? Do you want to improve your payment success rates? Are you worried that your technical team will have to spend efforts to integrate multiple payment providers instead of developing actual business requirements?

Paytm’s AI Powered Router helps you route payment transactional traffic between multiple payment providers using our proven routing engine that helps you achieve high payment success rates. All this can be achieved with only one developer friendly integration providing you quicker time to market and let us handle the integrations with multiple payment providers.

This also comes bundled with our flagship product Paytm Assist which helps to boost success rates by providing a quick checkout experience. Some of the features of Assist include -

  1. Auto Read / Submit OTP
  2. Saved Cards across all providers
  3. Optimizing netbanking login screens for mobile
  4. Remembering netbanking login username

Get in touch to request access to this payment router solution.

Demo of Intelligent Router

Supported Gateways and Payment Methods

We provide you powerful Paytm Dashboard where not only you can view advanced analytics on transactions, sales and success rates but can also manage different payment providers in “Manage Gateways” section. As a default option, Paytm payment gateway will be added and enabled. Below are different payment providers and payment methods we support as part of our product offering today.

  • Paytm - Wallet, Credit Cards, Debit Cards, Netbanking, UPI Collect
  • CCAvenue - Credit Cards, Debit Cards, Netbanking
  • BillDesk - Credit Cards, Debit Cards, Netbanking
  • PayU - Credit Cards, Debit Cards, Netbanking

We are constantly working to add payment providers and payment methods to this list based on business requirements. Are you interested in this product and do not see payment provider/method you are looking for in above list? Get in touch to request and we will be happy to discuss and integrate the same for your business.

Overview of payment processing via Paytm Intelligent Router

  1. User visits your website or mobile application
  2. User adds goods/services into the shopping/order cart and proceeds to checkout
  3. You call the Initiate Transaction API
  4. Paytm shares a Transaction Token with you
  5. Your website or mobile application calls Fetch Payment Option API
  6. Paytm returns all supported Payment Options for that transaction
  7. You render the payment page with these options on your website or mobile app
  8. User selects a payment option to complete payment
  9. You call the respective API to validate and get the details of payment option
  10. Once user submit the details (like card number and CVV for card payments), call Process Transaction API
  11. Paytm processes the transaction with customer’s bank and returns transaction response
  12. Call the Transaction Status API to verify the transaction response
  13. Notify the payment status to user and proceed with the order/service fulfillment

Steps in processing payments 1-4

STEP 1: Get your authentication keys

This can be retrieved from API Keys section on Paytm Dashboard.

  • MID: A unique merchant identifier issued by Paytm for your account
  • Merchant Key: This is a unique secret key used to secure encryption of every request. This needs to be kept on server side and should not be shared with anyone.


STEP 2: Get Transaction Token

  • When user clicks Pay on your website or mobile app, create an order in your backend system and call Initiate Transaction API
  • Paytm validates your details and return the TXN_Token
  • Send this TXN_Token to your website or mobile app


STEP 3: Create Payment Page

  • Your website or mobile app uses this TXN_Token to call Fetch Payment Option API
  • Paytm validate the TXN_Token and returns all available payment options for this transaction
  • You render the payment page with these options on your website or mobile app



STEP 4: Get Payment Instrument Details

After your customer selects an option on the payment page, call respective payment instrument API to get further details -

Customer selects following options for Payments:

Customer selects saved cards for payment: If your user has saved cards, calling Fetch Payment Option API will return all the saved debit and credit cards user has with Paytm with following details

  • Card network type (VISA, Master, AMEX etc.)
  • Card issuing bank
  • First 6 and last 4 digits of card no
  • CVV required

for maestro cards CVV and expiry is not required for transaction

  • CVV length
  • Current success rate of payments on this card

you can consume the same and display the message to end consumer so he can choose any other payment method


STEP 5: Process Payment

  • After your user has selected a payment option, call the process transaction API
  • Paytm validates the details of your request and returns the response as per the payment mode.

    Note: Paytm will use it’s intelligent routing algorithm and also configured routing rules (if any) to determine the payment gateway provider to route a particular transaction in real time.

    • Paytm Wallet, Other Wallets, Net Banking, BHIM UPI Collect: Paytm returns the bank redirection URL using which you redirect the user to bank page to complete payment. After payment, bank redirects user back to Paytm and we redirect user back to your payment confirmation page


  • Saved and new Credit/Debit/Prepaid cards
    • You redirect the user to bank page
    • User completes the transaction on bank page
    • Bank redirects user back to Paytm
    • Paytm Redirects the user back on your payment confirmation page



STEP 6: Verifying Payment

You should always validate transaction response via server side request using Transaction status API . This API requires checksumhash in request and its verification in response. The status should be treated as the final status of the transaction in all cases.

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

Lastly, it's recommended that you read about Managing Refunds.


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