enStage has created an internet payment – ACCOSA-PG that offers payment services to Billers, Merchants and Consumers.

This part of the document describes how to integrate with enStage’s ACCOSA-PG – Rupay API Service.

For Rupay PG transactions merchant has to integrate five API

Transaction flow for Rupay

The following steps are involved for a Rupay Card Transaction:

Wibmo calls Check BIN for Rupay Card API API of Accossa PG with certain details mentioned below in request format for Rupay Transaction.
The Check BIN for Rupay Card API & Authorize Rupay Card Transaction API request/responce format remains same for both Redirection and seamless flow.
Based on the response received as part of Check BIN for Rupay Card API request , merchant calls Initiate Tranasaction API / Generate OTP for Rupay Card API call to Accosa PG.
After receiving request from the merchant/wibmo, Accossa-PG communicates with NPCI and gets details of authentication (RedirectionURL using Initiate Tranasaction API / Generate OTP for Rupay Card API) and responds back to the merchant.
ACCOSA-PG disassembles the transaction information to confirm transaction origination and stores details of the transaction into its databases
In case of redirection flow, merchant redirects to the ACS URL received as part of Initiate Tranasaction API response from AccosaPG along with all the required parameters. Accosa PG will share all required parameters to redirect to the ACS URL as part of Initiate2 response.
AccosaPG will validate the response received from redirection and send back the response to merchant . Merchant can initiate the authorization request post successful redirection response.
Verify OTP for Rupay Card API request along with request ID and otp is initiated by merchant which is in turn sent back to the NPCI by ACCOSA-PG and based on the otp verification response , if failure – is intimated back to the merchant by PG using status values and description as per Response format for Rupay Transaction, if Success – the same is intimated back to merchant
Authorize Rupay Card Transaction API is initiated by merchant to PG to NPCI to finally send back the authorize response to merchant.
Transaction Status Code of 50020 and pg_error_code of 0 means authentication of this transaction was successful and any other status code or error code means it failed. For more information, refer to Transaction Status Codes.