May 25 2025
Ccavenue Payment Gateway Integration-India Payment Gateway Integration Checklist

India Payment Gateway Integration Checklist

Here’s a comprehensive Payment Gateway Integration Checklist for India to ensure smooth and secure integration:

1. Business & Legal Requirements

✅ Business Registration – Ensure your business is registered (Private Ltd, LLP, Sole Proprietorship, etc.).
✅ GST Registration – Required if applicable to your business model.
✅ Bank Account – Open a current account in the name of the business.
✅ PCI-DSS Compliance – Ensure compliance if storing card data (otherwise rely on gateway’s tokenization).
✅ RBI Guidelines Compliance – Follow RBI’s rules for auto-debit mandates (eMandate/NACH) and recurring payments.

2. Choose the Right Payment Gateway

🔹 Compare fees (setup cost, transaction %, AMC) from top providers:

  • Razorpay
  • PayU
  • CCAvenue
  • Instamojo (for small businesses)
  • PayPal (for international payments)

🔹 Check supported payment methods:

  • Credit/Debit Cards (Visa, Mastercard, RuPay)
  • UPI/QR Payments (PhonePe, Google Pay)
  • Net Banking
  • Wallets (Paytm, Amazon Pay)
  • EMI Options
  • BNPL Services

🔹 Verify settlement time (T+1/T+2 days) and payout frequency.

3. Technical Integration

🛠️ Select integration method:

  • API/SDK-based integration
  • Hosted Payment Page (easier but less customizable)
  • Plugins for platforms like WooCommerce/Magento

📌 Key API features needed:
✔️ Success/Callback URLs handling ✔️ Webhook setup ✔️ Error handling ✔️ Refund processing

⚙ Test in Sandbox Mode before going live.

4. Security & Fraud Prevention

🔒 Implement mandatory security measures:

  • Tokenization as per RBI norms (no raw card storage).
  • SSL Certificate (HTTPS mandatory)
    – Enable two-factor authentication if required.
    – Use fraud detection tools provided by gateway.

⚠ Avoid storing CVV/post-transaction card details.

5.User Experience Optimization
📱 Mobile-friendly checkout flow with minimal steps.
💳 Saved cards feature via tokens for returning users.
🌐 Local language support if targeting regional users.
⏱ Fast-loading payment page (<3 sec).

6.Testing & Go-Live

🧪 Test all scenarios:
✔ Successful/failed transactions ✔ Partial refunds ✔ UPI deep links ✔ International cards

🚀 After testing:
– Submit documents for KYC verification with gateway provider.
– Activate live account.
– Monitor first few transactions manually.

7.Post-Launch Monitoring

📊 Track key metrics:
• Transaction success rates
• Failed payment reasons
• Dispute/chargeback ratio\

🔄 Reconcile daily settlements with bank statements.

Pro Tip: For subscription models,\ensure compliance with RBI’s eMandate requirements(auto-debit registration process).

Would you like recommendations based on your specific platform(WordPress/iOS/etc.)?

当然！以下是 续接部分，涵盖更多深度细节和进阶优化建议，帮助您完善支付网关集成流程：

8. Advanced Compliance & Regulatory Checks

🔹 RBI’s Tokenization Rules (2022)

  • Ensure no card data is stored on your server; use gateway-provided tokens for recurring payments.
  • Implement FASTag-like token flows for subscriptions/eMandates.

🔹 Dynamic Currency Conversion (DCC)

  • If accepting international payments, allow users to pay in INR or their local currency (with clear fee disclosures).

🔹 Tax Deducted at Source (TDS)

  • For marketplaces splitting payments between sellers, comply with TDS under Section 194-O (1% deduction).

9. Optimizing Checkout Conversions

🚀 Reduce Drop-offs:

  • Offer 1-click checkout via UPI Autopay or saved cards.
  • Display trusted badges (PCI-DSS, Razorpay/CCAvenue logos).

📱 Mobile-Specific Tips:

  • Deep link directly to UPI apps like PhonePe/GPay via upi://pay links.
  • Use lightweight SDKs (<100KB) for faster app integrations.

🌍 Regional Adaptations:

  • Support vernacular languages (Hindi, Tamil, etc.) in payment pages if targeting Tier 2/3 cities.

10.Handling Failures & Disputes

🔄 Automate Retries: For failed UPI/card transactions, trigger automatic retries with user consent before showing errors.

⚖️ Chargeback Management:

  • Document evidence of service delivery (OTP logs/Signed invoices) to contest disputes via the gateway’s dashboard within RBI’s 45-day window.

💡 Pro Tip: Use tools like Razorpay’s Smart Collect or PayU’s Retry Logic APIs to recover pending payments.

11.Scalability & Edge Cases
📈 Plan for traffic spikes during sales (Big Billion Days/Black Friday) by:

  • Pre-confirming PG’s rate limits and scaling capacity.
  • Implementing queue-based fallbacks if APIs timeout.

⚠️ Handle edge cases:

# Example API error handling snippet

try:

    payment = razorpay.payment.capture(amount, receipt_id)

except RazorpayError as e:

    if e.code == 'BAD_REQUEST':

        notify_user("Payment failed due to bank decline")

    elif e.code == 'GATEWAY_TIMEOUT':

        log_retry_attempt(user_id)

12.Analytics & Continuous Improvement

📉 Track beyond success rates:
| Metric | Tool Example | Action |
|———————-|—————————|——————————–|
| Payment Method Mix | Google Analytics | Promote top-used methods |
| Checkout Abandonment | Hotjar Session Recording | Fix UX bottlenecks |
| Fraud Rate | Gateway Dashboard | Tighten CVV checks if >0.5% |

🛠 A/B Test variations like:
✔️ Placing COD option last ✔️ Defaulting to UPI over cards.

13.Backup & Redundancy
♻️ Multi-Gateway Fallback – Integrate a secondary PG (e.g., JusPay as backup if primary fails).

💾 Daily Reconciliation Automation – Use tools like QuickBooks/Zoho Books to match settlements against orders without manual effort.

14.Emerging Trends To Watch
🧩 Embedded Finance – Explore "Pay-in-3" BNPL options through gateways like Simpl/Lazypay APIs.
🤖 AI Fraud Detection – Adopt gateways with machine learning-based risk scoring(e.g., Razorpay Risk Shield).

Final Checklist Before Launch ✅
1️⃣ [ ] All RBI mandates implemented?
2️⃣ [ ] Tested on Jio/Nokia KaiOS devices? (For Bharat users)
3️⃣ [ ] SMS/Email receipts configured post-payment?

需要针对您的行业（电商/SaaS/教育等）定制建议吗？或者具体技术栈（Node.js/Django等）的代码示例？

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