Create Payment

Endpoint

POST /api/merchant/inr/create

Headers

Header	Required	Description
`x-api-key`	Yes	Your CWMPay API key
`Content-Type`	Yes	Must be `application/json`

Request Body

Field	Type	Required	Description
`amount`	`integer`	Yes	Payment amount in INR (e.g. `499`)
`currency`	`string`	Yes	Must be `"INR"`
`customer`	`object`	No	Customer details
`customer.name`	`string`	No	Customer name (max 50 chars)
`customer.email`	`string`	No	Customer email
`customer.phone`	`string`	No	Customer phone (Indian 10-digit)
`redirectUrl`	`string`	No	HTTPS URL to redirect after payment
`webhookUrl`	`string`	No	HTTPS URL to receive payment notifications. Overrides dashboard webhook URL if provided.

Example Request

curl -X POST https://api.cwmpay.in/api/merchant/inr/create \
  -H "Content-Type: application/json" \
  -H "x-api-key: YOUR_API_KEY" \
  -d '{
    "amount": 499,
    "currency": "INR",
    "customer": {
      "name": "Rahul Sharma",
      "email": "rahul@example.com",
      "phone": "9876543210"
    },
    "webhookUrl": "https://yoursite.com/webhook"
  }'

Response

{
  "success": true,
  "message": "Payment created successfully!",
  "data": {
    "orderId": "CWMPay_1784798312415_04575dc339d7",
    "amount": 499,
    "finalAmount": 499.37,
    "currency": "INR",
    "upiString": "upi://pay?pa=bharatpe@fbpe&pn=CWMPay&am=499.37&tn=CWMPay_1784798312415",
    "qrCode": "https://qr-code-url....",
    "status": "pending",
    "expiresAt": 1784798913288
  }
}

Response Fields

Field	Type	Description
`orderId`	`string`	CWMPay generated order ID
`amount`	`integer`	Original amount you passed
`finalAmount`	`float`	Unique decimal amount for payment fingerprinting
`currency`	`string`	`"INR"`
`upiString`	`string`	Deep link to open UPI app directly (mobile)
`qrCode`	`string`	URL serving QR Code image directly
`status`	`string`	`"pending"`
`expiresAt`	`integer`	Unix timestamp — payment expires after 10 minutes

Displaying to Customer

// Desktop — show QR code
const img = document.createElement('img');
img.src = response.data.qrCode;
document.getElementById('qr-container').appendChild(img);

// Mobile — open UPI app directly
const btn = document.createElement('a');
btn.href = response.data.upiString;
btn.innerText = 'Pay with UPI';
document.getElementById('pay-btn').appendChild(btn);

Always display amount (₹499) to the customer — never finalAmount (₹499.37). The QR code already has the correct amount encoded. Showing finalAmount will confuse customers.

Payment expires in 10 minutes. After expiry, create a new payment order. Use expiresAt to show a countdown timer to your customer. Hide QR after expiry — ImportantUPI QR codes cannot be technically invalidated after expiry. If a customer scans an expired QR and pays, the payment will go through on the UPI network but cannot be matched to any order.Always hide the QR code and UPI link when expiresAt is reached:

  const { qrCode, upiString, expiresAt } = response.data;
  const timeLeft = expiresAt - Date.now();

  // Show QR
  document.getElementById('qr-image').src = qrCode;

  // Hide QR after expiry
  setTimeout(() => {
      document.getElementById('qr-container').style.display = 'none';
      document.getElementById('expired-message').style.display = 'block';
  }, timeLeft);

If you suspect a customer paid after expiry, contact them directly and issue a manual refund. CWMPay cannot automatically process or refund post-expiry payments.

Payment Flow

Create Payment

Call this endpoint to get QR code and UPI string.

Show to Customer

Display QR code on desktop. Show UPI deep link button on mobile.

Customer Pays

Customer scans QR or clicks the UPI button and completes payment.

Verify Payment

Call Verify Payment with the UTR number, or wait for the automatic webhook.

Next Steps

Verify Payment

Verify payment with UTR number

Webhooks

Receive automatic payment notifications

Get Started

INR Payments

Webhooks

Help

Create Payment

Endpoint

Headers

Request Body

Example Request

Response

Response Fields

Displaying to Customer

Payment Flow

Next Steps

Verify Payment

Webhooks

​Endpoint

​Headers

​Request Body

​Example Request

​Response

​Response Fields

​Displaying to Customer

​Payment Flow

​Next Steps

Verify Payment

Webhooks

Endpoint

Headers

Request Body

Example Request

Response

Response Fields

Displaying to Customer

Payment Flow

Next Steps