Net Banking is an online banking payment method in India that allows users to make transactions directly from their bank accounts. It holds approximately 12% of the market share of online payment methods in India.

Properties

The following table lists the product properties supported by Net Banking:

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following screenshots show the user experience of paying with Net Banking:

1. The buyer selects Net Banking to pay.
2. The buyer is redirected to PayU's bank list page.
3. The buyer selects a bank to proceed with the payment.
4. The buyer is redirected to the bank's login page and completes the payment.
5. The buyer is redirected to the merchant result page.

Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

Integration considerations

Please note the following integration suggestions to ensure a smooth payment process and provide the best experience for your buyers:

Buyer information prefilling

It is strongly recommended that you pass the following buyer information parameters when calling the pay (One-time Payments) API. This allows buyers to directly enter the payment process without any additional steps. Otherwise, Net Banking will display an additional intermediate page to collect this information:

• order.buyer.buyerName.firstName
• order.buyer.buyerName.lastName
• order.shipping.shippingAddress.zipCode (Due to integration requirements, this parameter must be provided together with order.shipping.shippingAddress.region)

The following code shows a request example:

{
  "productCode": "CASHIER_PAYMENT",
  "paymentRequestId": "antom_123456",
  "paymentAmount": {
    "currency": "INR",
    "value": 1000000
  },
  "paymentMethod": {
    "paymentMethodType": "ONLINEBANKING_NETBANKING"
  },
  "paymentRedirectUrl": "https://www.google.com",
  "paymentNotifyUrl": "https://test.net:8080/amsdemote/result",
  "order": {
    "referenceOrderId": "123456",
    "orderAmount": {
      "currency": "INR",
      "value": 1000000
    },
    "orderDescription": "Coins",
    "buyer": {
      "referenceBuyerId": "123456789",
      "buyerName": {
        "firstName": "******",
        "lastName": "Devi Joshi"
      }
    },
    "shipping": {
      "shippingAddress": {
        "region": "**",
        "zipCode": "413501"
      }
    }
  },
  "env": {
    "terminalType": "APP",
    "osType": "ANDROID"
  },
  "settlementStrategy": {
    "settlementCurrency": "USD"
  }
}

Travel industry considerations

If you are in the travel industry, please be aware of India's Liberalised Remittance Scheme (LRS) regulations. These regulations set limits on individual cross-border transactions, and the payment method will perform pre-validation to avoid transaction failures.

It is strongly recommended that you pass the following buyer information parameters when calling the pay (One-time Payments) API to pre-fill the relevant information on the Net Banking intermediate page, eliminating the need for buyers to manually enter it. Otherwise, the Net Banking intermediate page will require re-collection and validation of this information:

• order.buyer.buyerName.firstName
• order.buyer.buyerName.lastName
• order.shipping.shippingAddress.zipCode (Due to integration requirements, this parameter must be provided together with order.shipping.shippingAddress.region)
• paymentMethod.paymentMethodMetaData.dateOfBirth

The following code shows a request example:

{
  "productCode": "CASHIER_PAYMENT",
  "paymentRequestId": "antom_123456",
  "paymentAmount": {
    "currency": "INR",
    "value": 1000000
  },
  "paymentMethod": {
    "paymentMethodType": "ONLINEBANKING_NETBANKING",
    "paymentMethodMetaData": {
      "dateOfBirth": "xxx"
    }
  },
  "paymentRedirectUrl": "https://www.google.com",
  "paymentNotifyUrl": "https://test.net:8080/amsdemote/result",
  "order": {
    "referenceOrderId": "123456",
    "orderAmount": {
      "currency": "INR",
      "value": 1000000
    },
    "orderDescription": "Coins",
    "buyer": {
      "referenceBuyerId": "123456789",
      "buyerName": {
        "firstName": "******",
        "lastName": "Devi Joshi"
      }
    },
    "shipping": {
      "shippingAddress": {
        "region": "**",
        "zipCode": "413501"
      }
    }
  },
  "env": {
    "terminalType": "APP",
    "osType": "ANDROID"
  },
  "settlementStrategy": {
    "settlementCurrency": "USD"
  }
}