PhonePe, one of India’s most widely used digital payment platforms, allows businesses to accept payments through UPI, cards, net banking, and wallets. Its secure APIs, real-time status tracking, and strong developer support make it a great option for modern web and mobile applications. In this blog, we’ll explore how to integrate PhonePe in your app, highlight its key features, and list the benefits of choosing PhonePe as your payment gateway.
Start by encoding your payment request in base64, signing it with SHA256, and sending it to PhonePe’s `/pg/v1/pay` endpoint. You’ll need your merchant credentials, salt key, and salt index.
PhonePe will return a redirect URL which you can use to take the user to PhonePe’s secure payment page. This ensures a seamless experience and high conversion rates.
After payment, PhonePe will call your callback URL. You should validate the `transactionId` and `status`, and optionally use their `/status` API to verify the payment status server-side.
PhonePe provides a powerful, secure, and developer-friendly payment gateway solution for Indian businesses. Whether you are building a mobile app or a web platform, PhonePe’s seamless integration and extensive features make it a top choice for accepting digital payments. By integrating PhonePe, you’re not only improving user experience but also strengthening your business’s credibility and conversion rates.
How Digital Lending Platforms Are Evolving in India: Beyond the App-Only Approach
Three years ago, most digital lending conversations in India started and ended with one question: “Kitni jaldi loan disburse ho sakta hai?” Speed was the entire pitch. Today, when we sit down with NBFCs, banks, and fintech founders at Speqto Technologies, the conversation looks completely different. Speed is now table stakes. What decision-makers actually ask […]
What a Smart Contract Security Audit Actually Checks For
Every fintech founder we talk to has heard of the Poly Network hack, the Euler Finance exploit, or the Ronin Bridge breach. What fewer people know is that most of these incidents weren’t caused by some exotic zero-day nobody could have predicted. They came from issues that a competent audit would have flagged in the […]
Why WBS and Sprint Planning Prevent Project Delays (And Save Your Compliance Deadlines Too)
Last year, a mid-sized NBFC came to us with a loan origination system that was three months behind schedule. Their previous vendor had started coding on day one, no work breakdown, no sprint cadence, just “we’ll figure it out as we go.” By the time they called Speqto, nobody could tell them what percentage of […]
Building Secure Client Portals for Wealth Management Firms: What Actually Works
A few months back, a wealth management client walked into a conversation with us at Speqto Technologies with a fairly common complaint: their existing client portal looked fine in a demo, but their compliance officer refused to sign off on it for production. The reason? It stored session tokens in local storage without expiry, had […]
How to Reduce Technical Debt in a Growing SaaS Product Without Slowing Down Your Roadmap
If you’re running a fintech or BFSI SaaS platform, you already know the tension. Your compliance team wants faster audit trails. Your sales team wants a new payment gateway integration by next quarter. And somewhere in the middle, your engineering lead is quietly telling you that the codebase is starting to push back every time […]
.webp "send-email")