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Lazypay Paylater

Prerequisites

Please write to Lazypay account manager at Lazypay to get the Lazypay credentials. Just like any other payment method, Lazypay can be enabled directly by the merchant using the dashboard.

Juspay Dashboard

Ensure that you are using the latest Juspay Express Checkout dashboard. Links below for reference

Sandbox(Testing Environment)

Production(Live Environment)

API Reference

Create Customer

The merchant has to first call the create customer API from their server to create a customer at Juspay. Mobile number is mandatory for creating customer.

For specific details, please refer the documentation provided here.

Get Customer

Get customer API will return all the customer-related information for previously added customers.

For specific details, please refer the documentation provided here.

Create Order

Create an order that is a representation of your shopping cart. The order contains important information like amount, customer details, shipping address, billing address, etc. Only after an order is created, payment can be started.

For specific details, please refer the documentation provided here.

Check eligibility

Eligibility API is required to check if the user is eligible for using the respective wallet. Based on the response from Eligibility API, the merchant can show the wallet option in the UI. The operation checks the eligibility for the number present in the create customer API. Order id or amount is mandatory for eligibility check.

For specific details, please refer the documentation provided here.

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Scenario	User experience handling
When the user has LazyPay account with the contact number provided, there is a success response	LazyPay should be shown on UI
When the user doesn’t have LazyPay account with the contact number provided, there is a failure response	Disable Lazypay option with appropriate user messaging
When the user try to do a transaction with the amount more than credit limit	Disable LazyPay option with appropriate user messaging

Refresh wallet balances

Use the refreshWalletBalances call to get the list of wallets available for the user. The response shall provide information on:

Whether LazyPay wallet is already linked for the customer
The direct wallet token obtained in the response shall be used in the walletTxn call.

For specific details, please refer the documentation provided here.

SDK Calls

Create Wallet

This is to be called when the response received in the eligibility call is Success. It will also authenticate the user and send the OTP to the mobile number that is passed during the create customer API call. the customer will receive the OTP which has to be passed while calling the link wallet API in the next step.

This can be a SDK call. Please find the Payload on the Payload section.

Link Wallet

The OTP that the customer has received needs to be passed while calling this API. The linked = True in the response field says that the wallet has been linked and the token has been generated which will be used to make the transaction.

This can be a SDK call. Please find the Payload on the Payload section.

Transaction initiation

If a wallet account is present, obtain the wallet direct debit token from the refreshWalletBalances call response and call the operation walletTxn. Refer code snippets on the right for reference.
First time users where the wallet account is not created at Juspay, there won’t be any wallets listed in refreshWalletBalances. Then call the transaction without the direct debit token. Refer code snippets on the right for reference.

Note

If the wallet account exists and the direct debit token is not passed then the transaction fails.

The user will now be redirected to the SIMPL page where the user has to link the account by entering the OTP as shown below. Now the transaction would be Successful and redirects back to the merchant app.

Wallet Management