--- page_title: BharatX Pay in 3 product: Payment Method Integrations platform: Express Checkout SDK page_source: https://juspay.io/in/docs/payment-method-integrations/express-checkout-sdk/consumer-finance/bharatx-pay-in-3 llms_txt: https://juspay.io/in/docs/llms.txt product_llms_txt: https://juspay.io/in/docs/payment-method-integrations/llms.txt --- # BharatX Pay In 3 ## Gateway Configuration: 1. Configure the sandbox gateway credentials on your Sandbox environment / Configure and enable Production Credentials on your Production Environment > **Note** > Sandbox URL : [https://sandbox.portal.juspay.in](https://sandbox.portal.juspay.in%EF%BF%BCProduction)Production URL : [https://portal.juspay.in](https://portal.juspay.in) ### Step 1.1 Configuring a new gateway account for BHARATX on the Juspay Dashboard Merchant needs to get credentials for Bharatx Pay in 3 from BHARATX and configure it in Juspay dashboard under section “PG CONTROL CENTER” in already existing gateway “BHARATX” ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/payment-method-integrations/BharatX_1.png) *BharatX Gateway* ### Step 1.2 Adding Gateway Credentials 1. For configuring sandbox credentials select test credentials and for production credentials select live credentials 2. Assign a gateway reference id (if you have to configure gateway more than once) 3. Update the credentials received by the gateway (test or live) ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/payment-method-integrations/BharatX_2.png) *Select Environment* ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/payment-method-integrations/BharatX_3.png) *Assigning Gateway Ref Id (Skip if there's no requirement for flow based Checks)* ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/payment-method-integrations/BharatX_5.png) *Update Credentials* ### Step 1.3 Saving the gateway credentials and proceeding to add payment method Select BHARATX Pay in 3 payment method ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/payment-method-integrations/BharatX_4.png) * Select BHARATX Pay in 3* 2. Push the latest bundle supported for BharatX via Studio to CUG 3. Point your app/website to CUG ([Guide to CUG](https://docs.juspay.in/resources/docs/merchant-testing/cug-testing)) 4. Complete a set of internal testing on Sandbox environment to understand the flow 5. Initiate a staggered release with the changes from CUG to be pushed to Production ## Sample Requests and Responses ### Merchant Payment Methods: **getPaymentMethods Sample Request:** #### Shell Code Snippet: ```shell { "payload": { "action": "paymentMethod", "add_default_reference_id": "true", "add_nick_name": "true", "add_supported_features": "true", "add_surcharge_logic": "false", "onlyLoadFile": false, "refresh": "true" }, "requestId": "510e7715-d27d-4408-9e68-22dfd0730eef", "service": "in.juspay.ec" } ``` **getPaymentMethods Sample Response:** #### Shell Code Snippet: ```shell { "description": "BharatX Pay In 3", "juspayBankCode": "BharatX", "nickName": "BharatX Pay In 3", "paymentMethod": "BHARATX", "paymentMethodSubType": "CF_EMI", "paymentMethodType": "CONSUMER_FINANCE", "supportedFeatures": [ { "featureName": "eligibility", "supportedReferenceIds": ["toothsi"] } ], "supportedGateways": [ { "gateway": "BHARATX", "gatewayId": 275, "supportedReferenceIds": ["toothsi"] } ], "supportedReferenceIds": ["toothsi"] } ``` ### Eligibility: **Sample Request:** #### Shell Code Snippet: ```shell { "version": "2024-02-23", "signature": , "showLoader": false, "shipping_address": null, "requestId": null, "order_details": "", "orderId": "", "merchant_params": null, "merchant_key_id": , "items": null, "environment": , "device_params": null, "data": { "wallets": [ { "mobileNumber": null, "mobile": "9742144874", "gatewayReferenceId": "", "email": "", "customerId": , "checkType": [ "simpl", "twid" ] } ], "loanMarketplace": null, "cards": [], "apps": [] }, "clientAuthToken": "", "amount": "", "action": "eligibility" } ``` **Sample Response:** #### Shell Code Snippet: ```shell { "payment_methods_eligibility": [ { "status": "SUCCESS", "payment_method": "BHARATX", "payment_method_type": "CONSUMER_FINANCE", "is_eligible": true, "description": "BharatX Pay In 3" }, { "status": "NOT_ACCESSIBLE", "payment_method": "BHARATXPAYLATER", "payment_method_type": "CONSUMER_FINANCE", "is_eligible": true, "description": "BHARATX Paylater" } ] } ``` ### Note If Gateway Ref ID based logic is enabled * If you have configured the BharatX gateway with a gateway_ref_id based logic, then you need to pass the gateway_ref_id(s) that is/are enabled for this gateway in the order_create request payload. * E.g., —> * For one gateway alone —> metadata.<_gateway_ >:gateway_reference_id":"<_gateway_ref_id_ > * For all possible gateways —> metadata._JUSPAY_ :gateway_reference_id":"<_gateway_ref_id_ > * Follow these links to know more about Gateway_Ref_ID based routing * [Order Create](https://docs.juspay.in/ec-headless/android/base-sdk-integration/create-order-api) * [Gateway Ref Id](https://docs.juspay.in/resources/docs/common-resources/gateway-reference-id) ### Transaction Create: **Sample Curl:** #### Shell Code Snippet: ```shell { "payload": { "action": "consumerFinanceTxn", "additionalPaymentDetails": [], "amount": "11000", "clientAuthToken": "tkn_2b940a6a8afe41a4ac52104eb0884d54", "endUrls": [ "" ], "isEmi": false, "isNewTabFlow": false, "isPopupView": false, "orderId": "ord_C17JTSjnBNmUep", "paymentMethod": "BHARATX", "retry_suggestion_used": false }, "requestId": "75ef520c-b290-4cf7-8a11-25a9b0ba8731", "service": "in.juspay.ec" } ``` **Sample Response:** #### Shell Code Snippet: ```shell { "ended": { "error": false, "errorCode": "", "errorMessage": "", "payload": { "action": "consumerFinanceTxn", "orderId": "ord_C17JTSjnBNmUep", "status": "redirected", "txnUuid": "mozmLSD1UXJm2D1pBd6" }, "requestId": "75ef520c-b290-4cf7-8a11-25a9b0ba8731", "service": "in.juspay.ec" } } ``` ### Order Status **Sample curl:** #### Shell Code Snippet: ```shell curl --location --request POST 'https://api.juspay.in/session' \ --header 'x-merchantid: yourMerchantId' \ --header 'Authorization: Basic base64encodedkey==' \ --header 'Content-Type: application/json' \ --data-raw '{ "amount":"10.00", "order_id":"yourUniqueOrderId", "customer_id":"dummyCustId", "customer_phone":"9876543210", "customer_email":"dummyemail@gmail.com", "payment_page_client_id":"", "action":"paymentPage" }' ``` Note: options.add_full_gateway_response=true' can be set for receiving the PG response for reference **Sample Response** #### JSON Code Snippet: ```json "customer_email": "success@eligibility.com", "customer_phone": "8123894779", "customer_id": "cth_v3983WvKa6qZrQzc", "status_id": 21, "status": "CHARGED", "id": "ordeh_062761c8ee57432083c5d63b6a770f68", "merchant_id": "global_sandbox", "amount": 5, "currency": "INR", "order_id": "order_1689161867", "date_created": "2023-07-12T11:37:47Z", "return_url": "https://juspay.in", "product_id": "Shocks", "payment_links": { "iframe": "https://sandbox.juspay.in/orders/ordeh_062761c8ee57432083c5d63b6a770f68/payment-page", "web": "https://sandbox.juspay.in/orders/ordeh_062761c8ee57432083c5d63b6a770f68/payment-page", "mobile": "https://sandbox.juspay.in/orders/ordeh_062761c8ee57432083c5d63b6a770f68/payment-page" }, "udf1": "", "udf2": "", "udf3": "", "udf4": "", "udf5": "", "udf6": "", "udf7": "", "udf8": "", "udf9": "", "udf10": "", "txn_id": "global_sandbox-order_1689161867-1", "payment_method_type": "CONSUMER_FINANCE", "auth_type": "", "payment_method": "BHARATX", "refunded": true, "amount_refunded": 5, "effective_amount": 5, "refunds": [ { "id": "100000003478", "amount": 5, "unique_request_id": "refund_1689162794", "ref": "7867", "created": "2023-07-12T11:53:15Z", "status": "SUCCESS", "error_message": "", "sent_to_gateway": true, "initiated_by": "API", "refund_source": "BHARATX", "refund_type": "STANDARD" } ], "resp_code": null, "resp_message": null, "bank_error_code": "", "bank_error_message": "", "txn_uuid": "mozoMsSVz4EXeJ2ajTu", "txn_detail": { "txn_id": "global_sandbox-order_1689161867-1", "order_id": "order_1689161867", "status": "CHARGED", "error_code": null, "net_amount": 5, "surcharge_amount": null, "tax_amount": null, "txn_amount": 5, "offer_deduction_amount": null, "gateway_id": 275, "currency": "INR", "express_checkout": false, "redirect": true, "txn_uuid": "mozoMsSVz4EXeJ2ajTu", "gateway": "BHARATX", "error_message": "", "created": "2023-07-12T11:37:58Z", "txn_flow_type": "REDIRECT_DEBIT" }, "payment_gateway_response": { "resp_code": "SUCCESS", "rrn": null, "created": "2023-07-12T11:39:03Z", "epg_txn_id": "global_sandbox-order_1689161867-1", "resp_message": "SUCCESS", "auth_id_code": null, "txn_id": "global_sandbox-order_1689161867-1", "gateway_response": { "configuration": null, "transaction": { "status": "SUCCESS", "amount": 500, "partnerId": "testPartnerId", "url": "https://web-v2.bharatx.tech/redirect/814539", "refund": null, "createTimestamp": 1689161881, "emis": [ { "amount": 167, "dueTimestamp": 1689161881, "isPaid": true }, { "amount": 167, "dueTimestamp": 1691773681, "isPaid": false }, { "amount": 166, "dueTimestamp": 1694365681, "isPaid": false } ], "id": "global_sandbox-order_1689161867-1", "notes": { "description": "" } }, "user": null } }, "gateway_id": 275, "gateway_reference_id": "suyash_bharatx", "offers": [], "maximum_eligible_refund_amount": 0 } ``` ### Order Refund **Sample Request** #### Shell Code Snippet: ```shell curl --location --request POST 'https://api.juspay.in/session' \ --header 'x-merchantid: yourMerchantId' \ --header 'Authorization: Basic base64encodedkey==' \ --header 'Content-Type: application/json' \ --data-raw '{ "amount":"10.00", "order_id":"yourUniqueOrderId", "customer_id":"dummyCustId", "customer_phone":"9876543210", "customer_email":"dummyemail@gmail.com", "payment_page_client_id":"", "action":"paymentPage" }' ``` **Sample Response** #### Shell Code Snippet: ```shell curl --location --request POST 'https://api.juspay.in/session' \ --header 'x-merchantid: yourMerchantId' \ --header 'Authorization: Basic base64encodedkey==' \ --header 'Content-Type: application/json' \ --data-raw '{ "amount":"10.00", "order_id":"yourUniqueOrderId", "customer_id":"dummyCustId", "customer_phone":"9876543210", "customer_email":"dummyemail@gmail.com", "payment_page_client_id":"", "action":"paymentPage" }' ``` --- ## See Also - [Snapmint ](https://juspay.io/in/docs/payment-method-integrations/express-checkout-sdk/consumer-finance/snapmint) - [Simpl Pay after Delivery](https://juspay.io/in/docs/payment-method-integrations/express-checkout-sdk/consumer-finance/simpl-pay-after-delivery)