# PhonePe

**Canonical:** https://apis.io/providers/phonepe/  
**Website:** https://www.phonepe.com/business-solutions/  
**APIs profiled:** 21

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.

## Kin Score — 34.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 34.1).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 57.8 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 28.1 (matched via tags).

## Agent readiness — 31.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (21)

- **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.

## Agentic access (1)

- **Phonepe Agentic Access** — 4 operations · 2 acting

## Security (3)

- **Phonepe Authentication** — apiKey · 1 scheme
- **Phonepe Domain Security** — TLSv1.3 · HSTS · DMARC
- **Phonepe Vulnerability Disclosure** — security.txt · contact published

## Plans (1)

- **Phonepe Plans Pricing**

## Tags

Payments, Payment Gateway, UPI, QR, EDC, App Store, Fintech, India

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/phonepe/). Scores are computed from the provider's own public artifacts under a published rubric.