Third Party Validation

Learn how to verify if the customer is paying through a specific bank account. This flow is mandatory for mutual funds and other financial services companies.

For merchants with bank account verification enabled, we confirm that each payment is made from an existing, verified bank account associated with the customer. You can view the list of supported banks.

Please reach out to your account manager to enable the this feature.

To process a TPV payment through Cashfree, include specific customer details in the Create Order API request. During payment authorization, we will verify these details against the actual payment instrument used by the customer. Required fields include customer_bank_account_number and customer_bank_ifsc, where the IFSC is an alphanumeric code (e.g., SBIN000001) that uniquely identifies a bank branch in India.

Implement TPV enabled order

To process a payment with bank account check (TPV), you must pass the customer account number (customer_bank_account_number) and IFSC (customer_bank_ifsc) with every create order request. If you want the order to be processed through NetBanking, then you must pass the customer_bank_code as well.

Curl Request

curl --request POST \
  --url https://sandbox.cashfree.com/pg/orders \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: 2022-09-01' \
  --header 'x-client-id: xxxx' \
  --header 'x-client-secret: xxxx' \
  --data '{
    "customer_details": {
        "customer_email": "[e-mail]",
        "customer_id": "LD09755CSCON10092021",
        "customer_name": "Rohit",
        "customer_phone": "9999911111",
        "customer_bank_ifsc": "CITI0000001",
        "customer_bank_account_number": "1518121112",
        "customer_bank_code": "3044"
    },	  
    "order_amount": 1,
	  "order_currency": "INR"
}'

Pre-Built UI

To process a TPV payment using pre-built UI, open checkout using the payment_session_id parameter generated from the response of the create order API. Using this the customer can make a payment only through their linked account.
If the customer tries to complete the payment through a different account, the payment will fail and the order will remain in an ACTIVE state.

Custom UI

To process TPV payments with your own UI. You will have to either integrate the javascript elements SDK or use the /orders/sessions API. There is no change in this api request and you can read about the API contract here.

TPV with Payment Links

If you want to process a TPV payment using Payment Links, you can either use the Payment Link API or the upload a file to bulk create Payment Links or through Dashboard as well.

Bulk Upload

When using a file upload to create payment links, you can pass on the customer bank information to us in the CSV file being uploaded. You will use the Notes columns to fill in the specific values. You can use the Notes 1 columns for bank code, Notes 2 for customer bank account number and Notes 3 for IFSC. Here is an example of a sample file. In the below file Note 1 Title is set customer_bank_code and the value is in Note 1 Description.

CSV

Link Id,Expiry Time,Currency,Amount,Min Amount,Description,Customer Name,Customer Phone,Customer Email,Note 1 Title,Note 1 Description,Note 2 Title,Note 2 Description,Note 3 Title,Note 3 Description,Webhook URL

Order-12zzsa,2023-02-11,INR,22.5,10,Payment for order,John Doe,9999999999,[e-mail],customer_bank_code,3044,customer_bank_account_number,37866911583,customer_bank_ifsc,SBIN0001882,https://cashfree.com/callback-webhook
Order-12zsdca,2023-02-11,INR,22.5,10,Payment for order,John Doe,9999999999,[e-mail],customer_bank_code,3026,customer_bank_account_number,6633835901,customer_bank_ifsc,IDIB000V018,https://cashfree.com/callback-webhook

Payment Link API

To use TPV with Payment Link API, you need to pass on the customer bank information in the customer_details object. See the below request and response for reference.

Curl Request

curl --request POST \
  --url https://api.cashfree.com/pg/links \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: 2023-08-01' \
  --header 'x-client-id: xxxx' \
  --header 'x-client-secret: xxxx' \
  --data '{
     "customer_details": {
          "customer_phone": "9908734803",
          "customer_email": "[e-mail]",
          "customer_name": "Rohit",
          "customer_bank_account_number": "78123123",
          "customer_bank_ifsc": "SBIN0000001",
          "customer_bank_code": "3044"
     },
		"link_notify": {
          "send_sms": true
     },     
		 "link_id": "testlink12354",
     "link_amount": 4,
     "link_currency": "INR",
     "link_purpose": "Test for TPV"
}'

Supported banks

List of supported Net banking banks

Sr	Bank Code	Bank Name
1	3003	Axis Bank
2	3005	Bank of Baroda - Retail Banking
3	3006	Bank of India
4	3007	Bank of Maharashtra
5	3009	Canara Bank
6	3010	CSB Bank Limited
7	3011	Central Bank of India
8	3012	City Union Bank
9	3016	Deutsche Bank
10	3019	Dhanlakshmi Bank
11	3020	Federal Bank
12	3021	HDFC Bank
13	3022	ICICI Bank
14	3023	IDBI Bank
15	3024	IDFC FIRST Bank
16	3026	Indian Bank
17	3027	Indian Overseas Bank
18	3028	IndusInd Bank
19	3029	Jammu and Kashmir Bank
20	3030	Karnataka Bank Ltd
21	3031	Karur Vysya Bank
22	3032	Kotak Mahindra Bank
23	3037	Punjab & Sind Bank
24	3038	Punjab National Bank Retail Banking
25	3039	RBL Bank
26	3040	Saraswat Bank
27	3042	South Indian Bank
28	3043	Standard Chartered Bank
29	3044	State Bank Of India
30	3052	Tamilnad Mercantile Bank Ltd
31	3054	UCO Bank
32	3055	Union Bank of India
33	3058	Yes Bank Ltd
34	3060	Bank of Baroda - Corporate
35	3086	Shivalik Small Finance Bank
36	3087	AU Small Finance Bank
37	3088	Bandhan Bank - Retail Banking
38	3089	Utkarsh Small Finance Bank
39	3090	The Surat Peoples Co-operative Bank Limited
40	3091	Gujarat State Co-operative Bank Limited
41	3092	HSBC Retail NetBanking
42	3097	Cosmos Bank
43	3098	Capital Small Finance Bank
44	3102	Jana Small Finance Bank
45	3115	SBM Bank India
46	3117	The Sutex Co-op Bank Ltd
47	3126	Ujjivan Small Finance Bank
48	3123	Airtel Payments Bank

List of supported UPI apps

All UPI apps support bank account validation.