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H2H (Host-to-Host) Payments

The H2H API allows merchants to process payments directly in their applications without redirecting customers to hosted payment pages. This provides a seamless payment experience where customers stay on the merchant's website throughout the payment process.

H2H Payment Flow

  1. Initiate H2H Payment: Create a payment and receive payment credentials (varies by payment method)
  2. Display Payment Data: Render payment credentials and instructions on your page (or collect card details for card payments)
  3. Customer Pays: The flow differs significantly per payment method:
    • Card Payments: Customer enters card details directly → instant processing with 3DS authentication
    • India (UPI): Customer scans QR code or clicks deeplink → completes in their preferred UPI app
    • Bangladesh (Mobile Wallets): Customer redirected to official wallet payment page (BKASH or NAGAD)
  4. Payment Confirmed. The merchant receives IPN and can see the successful status in status polling

Info

  • Card payments are confirmed instantly when the client completes the payment and never require manual verification
  • Local payments (UPI, Bangladesh wallets) are usually confirmed automatically in ~60 seconds, but some may require manual verification

Manual Verification Flow

Card Payments Only

Manual verification is not applicable to card payments. Cards are either approved or declined instantly. This flow applies only to local payment methods (UPI, Bangladesh wallets).

This is only required for the local payments that were not confirmed automatically in reasonable time. You may choose any time you want to wait for auto-confirmation. We recommend ~60 seconds.

  1. Submit Proof: Customer uploads proof of payment – a screenshot of operation with payment ID visible
  2. Send Proof Of Payment: Merchant sends proof of payment to the platform via designated H2H API endpoint
  3. Manual Verification: Payment is verified and confirmed

Proof of payment can be uploaded automatically via the H2H API. There is no need for the Client to leave Merchant's payment page at any moment – all process is designed to be as smooth as possible.

What To Expect

  • The normal time for the automatic payment confirmation is up to 60 seconds. However, you may choose how long you want to wait before requesting proof of payment from the client.
  • The share of payments that require proof of payment varies depending on the country, payment method and the risk level of the merchant's business. Contact support to learn the relevant statistics for your specific case.

Tip

  • For UPI India the average amount of automatic confirmation is between 70 and 95 %.
  • In Bangladesh almost all payments are confirmed automatically, but proof of payment endpoint is still available as a fallback option.
  • The average processing time for proof of payment is 5 – 30 minutes.

Available Payment Methods

Payment Method Geographic Coverage Currency Integration Guide
Card Payments (VISA, Mastercard) Global Multi-currency (USD, EUR, GBP, etc.) Card Payments Integration
UPI (Unified Payments Interface) India INR India (UPI) Integration
Mobile Wallets (BKASH, NAGAD) Bangladesh BDT Bangladesh Integration

Common H2H Endpoints

Endpoint Description Applies To
POST /h2h/initiate Create a new H2H payment All payment methods (parameters vary)
POST /h2h/confirm Submit payment proof for verification Local payments only (UPI, Bangladesh)
POST /h2h/status Query the current status of a payment All payment methods

Key Differences by Payment Method

Card Payments - Multi-Currency

  • Integration: Direct card data collection on your website
  • Cards Supported: VISA, Mastercard, American Express
  • User Flow: Customer enters card details → instant processing
  • 3DS Authentication: Optional based on risk assessment
  • Confirmation: Instant
  • Geographic Coverage: Global
  • Full Integration Guide →

India (UPI) - INR

  • Integration: QR codes for desktop, deeplinks for mobile
  • Apps Supported: Generic UPI, PayTM, PhonePe, GPay
  • User Flow: Customer stays on your site, scans/clicks → pays in their app
  • Confirmation: ~95% automatic (60 seconds), ~5% require proof
  • Geographic Coverage: India only
  • Full Integration Guide →

Bangladesh (Mobile Wallets) - BDT

  • Integration: Payment URLs with wallet selection
  • Wallets: BKASH, NAGAD
  • Languages: Bengali (BN), English (EN)
  • User Flow: Customer redirected to official wallet page
  • Confirmation: Varies by wallet, may require proof
  • Geographic Coverage: Bangladesh only
  • Full Integration Guide →

Getting Started

Choose your payment method:

  1. For International Card Payments: Card Payments Integration Guide
  2. For India: India (UPI) Integration Guide
  3. For Bangladesh: Bangladesh Mobile Wallets Guide
  4. Review Common Endpoints: Status Check, IPN Webhooks

Next Steps