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

34.1/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessFreeSelf serve⚡ Free to try

21 APIs

PaymentsPayment GatewayUPIQREDCApp StoreFintechIndia

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 34.1/100 · thin

Contract Quality 15.2 / 25

Developer Ergonomics 3.9 / 20

Commercial Clarity 5.8 / 20

Operational Transparency 3.4 / 13

Governance 0.0 / 12

Discoverability 6.9 / 10

Agent readiness — 31/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 21

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

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.

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

Other 1

Properties that don't map to a standard resource type

AppStore

AppStore

Source (apis.yml)

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
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/phonepe.png
access: 3rd-Party
position: Producer
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: '0.20'
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:
  - 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
  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
  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
  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
  - 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