Paytm Instruments

After login into the Paytm account via the AI Router checkout page, users can choose Wallet as a payment option to complete their transaction. The wallet journey could be of 2 types depending on the available wallet balance in the user's account: 

Sufficient Balance:

1. If the transaction amount is less than or equal to the available wallet balance, the user can click on the Pay button to proceed with the payment.
2. Merchant's app / browser calls the Pay API of AI Router with paymentMode as WALLET and paymentFlow as PAY in the API request body.
3. In the case of Paytm payment instruments, AI Router by default selects Paytm PG as a valid gateway to route the transaction. 
4. Paytm PG processes the transaction and returns the status to the AI Router, which then returns the status to the merchant's app / browser. 
5. Merchants can call the Transaction Status API to verify the payment status. AI Router will return the final payment status back to the merchant. 
6. Merchant then displays this status to the user on its app / browser. 

    

   

Insufficient Wallet Balance: 

1. User can still complete their payment even if they have insufficient balance in their wallet. In this case, AI Router will display all the available payment options through which users can add the remaining transaction amount to their wallet and make the transaction. This flow of AI Router is called Add and Pay flow. 
2. Users can then select any other payment method such as new cards, saved cards, netbanking, etc, to add the remaining amount and make the payment. (To know more in-depth on how the payment journey looks like for each of these payment methods please click here: 
   • New Card
   • Saved Card
   • Netbanking
3. Once the user selects a payment option and clicks on Pay, AI Router's Payment API is called to process the transaction. In the case of Add and Pay, a merchant needs to pass paymentMode as WALLET and paymentFlow as ADDNPAY. 

    Note: Here, internally the amount is first deducted from Add and Pay source and is added to the user's wallet and then the final transaction is made with wallet as a payment instrument. However, for the user, it would appear as a seamless wallet journey with direct payment after clicking on Pay. 

4. Paytm PG processes the transaction and returns the status to AI Router, which then sends the status back to the merchant's app / browser. 
5. Merchants can call the Transaction Status API to verify the payment status. AI Router will return the final payment status back to the merchant. 
6. Merchant then displays this status to the user on its app / browser.

    

   

After login into the Paytm account via the AI Router checkout page, users can choose Postpaid as a payment option to complete their transaction. Below is the transaction journey for Postpaid payment via AI Router:

1. User selects Postpaid as a Payment option and clicks on Pay to complete the transaction. 
2. Merchant's app / browser calls the Pay API of the AI Router. In the case of Paytm payment instruments, AI Router by default selects Paytm PG as a valid gateway to route the transaction. 
3. Paytm PG processes the transaction and returns the status to AI Router, which then sends the status back to the merchant's app / browser. 
4. Merchant can call the Transaction Status API to verify the payment status. AI Router will return the final payment status back to the merchant. 
5. Merchant then displays this status to the user on its app / browser. 

    

   

After login into the Paytm account via AI Router checkout page, user can choose Paytm Payments Bank (PPBL) as a payment option to complete their transaction. Below is the transaction journey for PPBL payment via AI Router:

1. Users can choose Paytm Payments Bank as a payment option.
2. Once the user clicks on the Pay button, the merchant's app / browser will call the Pay API with paymentMode as PPBL in the request body. 
3. The Payment API will return a bank form in response where the user can enter their PPBL passcode to complete their transaction. 
4. In the case of Paytm payment instruments, AI Router by default selects Paytm PG as a valid gateway to route the transaction. 
5. Paytm PG processes the transaction and returns the status to AI Router, which then sends the status back to the merchant's app / browser. 
6. Merchant can call the Transaction Status API to verify the payment status. AI Router will return the final payment status back to the merchant. 
7. Merchant then displays this status to the user on its app / browser.