RuPay payer authentication allows you to authenticate RuPay cardholders before initiating a RuPay payment. The payer will be redirected via the RuPay PaySecure network to a site hosted by the issuer to enter a One-Time-Password (OTP). You receive the authentication result that will enable you to decide whether you want to proceed with the payment or not.
RuPay payment authentication is only available in India.
The gateway supports the following integration options for RuPay authentication.
FAQs
How do I retrieve the authentication results?
If you wish to retrieve the authentication results at any stage, use the Retrieve Transaction operation. Note that fields that are only used during the authentication, for example, authentication.redirectHtml, are not persisted in the gateway hence not returned.
Retrieve Transaction API Reference
[REST]
[NVP]
How do I determine the authentication status?
The gateway provides the authentication status in the transaction.authenticationStatus field. This field may return one of the following values depending on the authentication stage:
AUTHENTICATION_ATTEMPTED: Payer authentication was attempted and a proof of authentication attempt was obtained.AUTHENTICATION_AVAILABLE: Payer authentication is available for the payment method provided.AUTHENTICATION_FAILED: The payer was not authenticated. You should not proceed with this transaction.AUTHENTICATION_NOT_SUPPORTED: The requested authentication method is not supported for this payment method.AUTHENTICATION_PENDING: Payer authentication is pending completion of a challenge process.AUTHENTICATION_REJECTED: The issuer rejected the authentication request and requested that you do not attempt authorization of a payment.AUTHENTICATION_REQUIRED: Payer authentication is required for this payment, but was not provided.AUTHENTICATION_SUCCESSFUL: The payer was successfully authenticated.AUTHENTICATION_UNAVAILABLE: The payer was not able to be authenticated due to a technical or other issue.
How do I view authentication details in Merchant Administration?
You can view authentication details for both individual RuPay authentications and authentications that proceeded with the payment in Merchant Administration. Search for the order or transaction in the search page and view the authentication details.