PhonePe website screenshot

PhonePe

PhonePe is India's largest UPI payments network, owned by Walmart. Its PhonePe Business / Developer platform exposes the PhonePe Payment Gateway (PG) APIs for collecting payments, refunds, and status checks across UPI, cards, netbanking, and wallets, alongside in-store solutions (Static QR, Dynamic QR, Collect Call, Integrated EDC). Backend integrations are wrapped in official Java, Python, Node.js, and PHP server SDKs, with mobile SDKs for Android, iOS, Flutter, React Native, and Ionic. PhonePe also operates the Indus AppStore, a developer platform for native app distribution in India.

PhonePe publishes 3 APIs on the APIs.io network: Checkout API, Order Status API, and Refunds API. Tagged areas include Payments, Payment Gateway, UPI, QR, and EDC.

PhonePe’s developer surface includes authentication, documentation, GitHub presence, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub
32.5/100 thin ▬ flat Agent 22/100 agent aware Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
AccessFreeSelf serve⚡ Free to try
1 APIs
PaymentsPayment GatewayUPIQREDCApp StoreFintechIndia

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 32.5/100 · thin
Contract Quality 10.5 / 19
Developer Ergonomics 3.2 / 15
Access Clarity 4.3 / 15
Operational Transparency 2.6 / 10
Contract Governance 0.0 / 9
Discoverability 4.7 / 8
Regulatory Posture 4.2 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 22/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/phonepe: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 21

Individual APIs this provider publishes, each with its own machine-readable definition.

PhonePe Payment Gateway API

Server-to-server REST API for creating PhonePe checkout orders, kicking off UPI / card / wallet / netbanking flows, and retrieving payment status. Issues redirect or intent URLs...

PhonePe Refunds API

Initiates refunds against completed PhonePe transactions and retrieves refund status. Supports partial and full refunds.

PhonePe Check Payment Status API

Polling endpoint to retrieve the current status of a payment order by merchant order ID. Used to reconcile in-store and online flows after buyer authorisation.

PhonePe S2S Callback / Webhook

Server-to-server callback that PhonePe POSTs to a merchant-configured URL on terminal payment events. Payloads are signed (X-VERIFY) so the merchant can verify authenticity befo...

PhonePe Dynamic QR Solution

Generates per-order dynamic QR codes for in-store collection, with order-linked status retrieval and callbacks. Targeted at retail counters and quick-service merchants.

PhonePe Integrated Static QR

Onboards a merchant store with a static PhonePe QR code that maps collected funds to the merchant account. Lower-touch alternative to dynamic QR for fixed-price kiosks and stalls.

PhonePe Collect Call Solution

Merchant-initiated UPI collect-request flow: the merchant raises a payment request to a customer's UPI handle, the customer approves in their UPI app, and the merchant is notifi...

PhonePe Integrated EDC Solution

Integration with PhonePe's EDC (Electronic Data Capture / POS) terminals, allowing merchant systems to push order amounts to the terminal and receive completion events.

PhonePe Android SDK

Native Android SDK that embeds the PhonePe checkout experience inside a merchant app, supporting the full PG flow across UPI and other payment methods.

PhonePe iOS SDK

Native iOS SDK that embeds the PhonePe checkout experience inside a merchant iOS app.

PhonePe Flutter SDK

Flutter plugin wrapping the PhonePe Android and iOS SDKs for cross-platform mobile checkout.

PhonePe React Native SDK

React Native plugin wrapping the PhonePe Android and iOS SDKs for cross-platform mobile checkout.

PhonePe Ionic SDK

Ionic plugin wrapping the PhonePe Android and iOS SDKs for hybrid mobile checkout.

PhonePe Java Backend SDK

Server-side Java SDK that wraps the PhonePe PG REST API, handling X-VERIFY signing, request modelling, and response parsing.

PhonePe Python Backend SDK

Server-side Python SDK wrapping the PhonePe PG REST API.

PhonePe Node.js Backend SDK

Server-side Node.js SDK wrapping the PhonePe PG REST API.

PhonePe PHP Backend SDK

Server-side PHP SDK wrapping the PhonePe PG REST API.

Indus AppStore Developer Platform

PhonePe's Indus AppStore is an India-first native Android app marketplace with a developer console for app submission, listings, releases, and analytics, positioning itself as a...

PhonePe Checkout API

Create payment orders.

PhonePe Order Status API

Retrieve the status of a payment order.

PhonePe Refunds API

Initiate and track refunds.

Scroll for all 21

Open Collections 5

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

PhonePe Payment Gateway Checkout API

OPEN COLLECTION

PhonePe Payment Gateway Checkout Order Status API

OPEN COLLECTION

PhonePe Payment Gateway Checkout Refunds API

OPEN COLLECTION

PhonePe Payment Gateway API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Phonepe Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Phonepe Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Phonepe Finops

FINOPS

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Phonepe Authentication

apiKey · 1 scheme

SECURITY

Phonepe Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Phonepe Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Phonepe Agentic Access

4 operations · 2 acting

4 operations · 2 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub
GitHub

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Authentication
Authentication

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Other 1

Properties that don't map to a standard resource type

AppStore
AppStore

Source (apis.yml)

apis.yml Raw ↑ 
aid: phonepe
name: PhonePe
description: PhonePe is India's largest UPI payments network, owned by Walmart. Its PhonePe Business / Developer platform
  exposes the PhonePe Payment Gateway (PG) APIs for collecting payments, refunds, and status checks across UPI, cards, netbanking,
  and wallets, alongside in-store solutions (Static QR, Dynamic QR, Collect Call, Integrated EDC). Backend integrations are
  wrapped in official Java, Python, Node.js, and PHP server SDKs, with mobile SDKs for Android, iOS, Flutter, React Native,
  and Ionic. PhonePe also operates the Indus AppStore, a developer platform for native app distribution in India.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/phonepe.png
access: 3rd-Party
position: Producing
created: '2026-05-23'
modified: '2026-05-23'
tags:
- Payments
- Payment Gateway
- UPI
- QR
- EDC
- App Store
- Fintech
- India
url: https://raw.githubusercontent.com/api-evangelist/phonepe/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis:
- aid: phonepe:pg
  name: PhonePe Payment Gateway API
  description: Server-to-server REST API for creating PhonePe checkout orders, kicking off UPI / card / wallet / netbanking
    flows, and retrieving payment status. Issues redirect or intent URLs for the buyer to authorize and returns settlement-ready
    transaction state on completion.
  humanURL: https://developer.phonepe.com/v1/docs/intro
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - Payments
  - Checkout
  - Payment Gateway
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/intro
- aid: phonepe:refunds
  name: PhonePe Refunds API
  description: Initiates refunds against completed PhonePe transactions and retrieves refund status. Supports partial and
    full refunds.
  humanURL: https://developer.phonepe.com/v1/docs/refund-api
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - Refunds
  - Payments
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/refund-api
- aid: phonepe:status
  name: PhonePe Check Payment Status API
  description: Polling endpoint to retrieve the current status of a payment order by merchant order ID. Used to reconcile
    in-store and online flows after buyer authorisation.
  humanURL: https://developer.phonepe.com/v1/docs/check-status-api
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - Status
  - Reconciliation
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/check-status-api
- aid: phonepe:webhook
  name: PhonePe S2S Callback / Webhook
  description: Server-to-server callback that PhonePe POSTs to a merchant-configured URL on terminal payment events. Payloads
    are signed (X-VERIFY) so the merchant can verify authenticity before acting on the result.
  humanURL: https://developer.phonepe.com/v1/docs/webhook
  baseURL: customer-configured
  tags:
  - Webhook
  - Callbacks
  - Event
  tags_raw:
  - Webhooks
  - Callbacks
  - Events
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/webhook
- aid: phonepe:dynamic-qr
  name: PhonePe Dynamic QR Solution
  description: Generates per-order dynamic QR codes for in-store collection, with order-linked status retrieval and callbacks.
    Targeted at retail counters and quick-service merchants.
  humanURL: https://developer.phonepe.com/v1/docs/dynamic-qr
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - QR
  - In-Store
  - UPI
  tags_raw:
  - QR
  - In Store
  - UPI
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/dynamic-qr
- aid: phonepe:static-qr
  name: PhonePe Integrated Static QR
  description: Onboards a merchant store with a static PhonePe QR code that maps collected funds to the merchant account.
    Lower-touch alternative to dynamic QR for fixed-price kiosks and stalls.
  humanURL: https://developer.phonepe.com/v1/docs/static-qr
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - QR
  - In-Store
  - Static
  tags_raw:
  - QR
  - In Store
  - Static
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/static-qr
- aid: phonepe:collect-call
  name: PhonePe Collect Call Solution
  description: 'Merchant-initiated UPI collect-request flow: the merchant raises a payment request to a customer''s UPI handle,
    the customer approves in their UPI app, and the merchant is notified on completion.'
  humanURL: https://developer.phonepe.com/v1/docs/collect-call
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - UPI
  - Collect
  - In-Store
  tags_raw:
  - UPI
  - Collect
  - In Store
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/collect-call
- aid: phonepe:edc
  name: PhonePe Integrated EDC Solution
  description: Integration with PhonePe's EDC (Electronic Data Capture / POS) terminals, allowing merchant systems to push
    order amounts to the terminal and receive completion events.
  humanURL: https://developer.phonepe.com/v1/docs/edc
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - EDC
  - Point-of-Sale
  - In-Store
  tags_raw:
  - EDC
  - POS
  - In Store
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/edc
- aid: phonepe:android-sdk
  name: PhonePe Android SDK
  description: Native Android SDK that embeds the PhonePe checkout experience inside a merchant app, supporting the full PG
    flow across UPI and other payment methods.
  humanURL: https://developer.phonepe.com/v1/docs/android-pg-sdk
  baseURL: https://developer.phonepe.com/v1/docs/android-pg-sdk
  tags:
  - SDK
  - Android
  - Mobile
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/android-pg-sdk
- aid: phonepe:ios-sdk
  name: PhonePe iOS SDK
  description: Native iOS SDK that embeds the PhonePe checkout experience inside a merchant iOS app.
  humanURL: https://developer.phonepe.com/v1/docs/ios-pg-sdk
  baseURL: https://developer.phonepe.com/v1/docs/ios-pg-sdk
  tags:
  - SDK
  - iOS
  - Mobile
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/ios-pg-sdk
- aid: phonepe:flutter-sdk
  name: PhonePe Flutter SDK
  description: Flutter plugin wrapping the PhonePe Android and iOS SDKs for cross-platform mobile checkout.
  humanURL: https://developer.phonepe.com/v1/docs/flutter-pg-sdk
  baseURL: https://developer.phonepe.com/v1/docs/flutter-pg-sdk
  tags:
  - SDK
  - Flutter
  - Mobile
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/flutter-pg-sdk
- aid: phonepe:react-native-sdk
  name: PhonePe React Native SDK
  description: React Native plugin wrapping the PhonePe Android and iOS SDKs for cross-platform mobile checkout.
  humanURL: https://developer.phonepe.com/v1/docs/react-native-pg-sdk
  baseURL: https://developer.phonepe.com/v1/docs/react-native-pg-sdk
  tags:
  - SDK
  - React Native
  - Mobile
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/react-native-pg-sdk
- aid: phonepe:ionic-sdk
  name: PhonePe Ionic SDK
  description: Ionic plugin wrapping the PhonePe Android and iOS SDKs for hybrid mobile checkout.
  humanURL: https://developer.phonepe.com/v1/docs/ionic-pg-sdk
  baseURL: https://developer.phonepe.com/v1/docs/ionic-pg-sdk
  tags:
  - SDK
  - Ionic
  - Mobile
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/ionic-pg-sdk
- aid: phonepe:java-sdk
  name: PhonePe Java Backend SDK
  description: Server-side Java SDK that wraps the PhonePe PG REST API, handling X-VERIFY signing, request modelling, and
    response parsing.
  humanURL: https://developer.phonepe.com/v1/docs/java-backend-sdk
  baseURL: https://developer.phonepe.com/v1/docs/java-backend-sdk
  tags:
  - SDK
  - Java
  - Backend
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/java-backend-sdk
- aid: phonepe:python-sdk
  name: PhonePe Python Backend SDK
  description: Server-side Python SDK wrapping the PhonePe PG REST API.
  humanURL: https://developer.phonepe.com/v1/docs/python-backend-sdk
  baseURL: https://developer.phonepe.com/v1/docs/python-backend-sdk
  tags:
  - SDK
  - Python
  - Backend
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/python-backend-sdk
- aid: phonepe:node-sdk
  name: PhonePe Node.js Backend SDK
  description: Server-side Node.js SDK wrapping the PhonePe PG REST API.
  humanURL: https://developer.phonepe.com/v1/docs/node-backend-sdk
  baseURL: https://developer.phonepe.com/v1/docs/node-backend-sdk
  tags:
  - SDK
  - Node.js
  - Backend
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/node-backend-sdk
- aid: phonepe:php-sdk
  name: PhonePe PHP Backend SDK
  description: Server-side PHP SDK wrapping the PhonePe PG REST API.
  humanURL: https://developer.phonepe.com/v1/docs/php-backend-sdk
  baseURL: https://developer.phonepe.com/v1/docs/php-backend-sdk
  tags:
  - SDK
  - PHP
  - Backend
  properties:
  - type: Documentation
    url: https://developer.phonepe.com/v1/docs/php-backend-sdk
- aid: phonepe:indus-appstore
  name: Indus AppStore Developer Platform
  description: PhonePe's Indus AppStore is an India-first native Android app marketplace with a developer console for app
    submission, listings, releases, and analytics, positioning itself as a local alternative to Google Play in India.
  humanURL: https://www.indusappstore.com/developer/
  baseURL: https://www.indusappstore.com/developer/
  tags:
  - App Store
  - Distribution
  - Android
  properties:
  - type: Website
    url: https://www.indusappstore.com/developer/
- aid: phonepe:phonepe-checkout-api
  name: PhonePe Checkout API
  description: Create payment orders.
  humanURL: https://developer.phonepe.com/v1/docs/intro
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/phonepe-checkout-api-openapi.yml
- aid: phonepe:phonepe-order-status-api
  name: PhonePe Order Status API
  description: Retrieve the status of a payment order.
  humanURL: https://developer.phonepe.com/v1/docs/intro
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - Order Status
  properties:
  - type: OpenAPI
    url: openapi/phonepe-order-status-api-openapi.yml
- aid: phonepe:phonepe-refunds-api
  name: PhonePe Refunds API
  description: Initiate and track refunds.
  humanURL: https://developer.phonepe.com/v1/docs/intro
  baseURL: https://api.phonepe.com/apis/pg
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/phonepe-refunds-api-openapi.yml
common:
- type: AgenticAccess
  url: agentic-access/phonepe-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/phonepe-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/phonepe-domain-security.yml
- type: Authentication
  url: authentication/phonepe-authentication.yml
- type: Website
  url: https://www.phonepe.com/business-solutions/
- type: Documentation
  url: https://developer.phonepe.com/
- type: LinkedIn
  url: https://www.linkedin.com/company/phonepe
- type: GitHub
  url: https://github.com/PhonePe
- type: AppStore
  url: https://www.indusappstore.com/
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com

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