How to Integrate PhonePe V2 Standard Checkout in PHP

In today’s digital age, providing users with a quick, secure, and seamless payment experience is critical for any online business. PhonePe, one of India’s most popular digital payment platforms, now includes a robust Standard Checkout system in its V2 API version. This standard checkout system aims to simplify the payment process for customers while adhering to industry standards and optimizing transaction security.

In this article, we will walk you through the steps required to integrate the PhonePe V2 Standard Checkout into your PHP-based website or web application. From generating authentication tokens to initiating transactions and handling payment responses, you’ll learn how to build a secure, production-ready integration that meets PhonePe’s most recent standards.

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Table of Contents

Integrate PhonePe V2 Standard Checkout in PHP

Step 1: Generate Authorization Token

If you’re integrating PhonePe’s payment gateway into your application, you must ensure that communication between your server and PhonePe’s backend is secure. To achieve this, you must first generate an Auth Token, which is used to authorize all coming API requests.

An auth token is a security signature that authorizes requests from your backend to PhonePe. It is generated based on your client_id, client_version, client_secret, and grant_type.

To get this details

Login to your PhonePe Business Account
Go To “Developer Settings” -> API Keys

PhonePe Standard Checkout - Authorization Token Generation

Create a file named “accessToken.php” and copy and paste the below code


<?php

$client_id="YOUR_CLIENT_ID";
$client_version=1;
$client_secret="YOUR_SECRET_ID";
$grant_type="client_credentials";
    
$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api-preprod.phonepe.com/apis/pg-sandbox/v1/oauth/token',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => 'client_id='.$client_id.'&client_version='.$client_version.'&client_secret='.$client_secret.'&grant_type='.$grant_type,
  CURLOPT_HTTPHEADER => array(
    'Content-Type: application/x-www-form-urlencoded'
  ),
));

$response = curl_exec($curl);

curl_close($curl);
$getToken=json_decode($response, true) ;

//echo $getToken['access_token'];
if(isset($getToken['access_token']) && $getToken['access_token'] !=''){
    $accessToken=$getToken['access_token'];
    $expires_at=$getToken['expires_at'];
// Save this details in the database to use access token and check expiry

}else{
    $accessToken='';
    $expires_at='';
}

?>

<?php

$client_id="YOUR_CLIENT_ID";

$client_version=1;

$client_secret="YOUR_SECRET_ID";

$grant_type="client_credentials";

$curl = curl_init();

curl_setopt_array($curl, array(

CURLOPT_URL => 'https://api-preprod.phonepe.com/apis/pg-sandbox/v1/oauth/token',

CURLOPT_RETURNTRANSFER => true,

CURLOPT_ENCODING => '',

CURLOPT_MAXREDIRS => 10,

CURLOPT_TIMEOUT => 0,

CURLOPT_FOLLOWLOCATION => true,

CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,

CURLOPT_CUSTOMREQUEST => 'POST',

CURLOPT_POSTFIELDS => 'client_id='.$client_id.'&client_version='.$client_version.'&client_secret='.$client_secret.'&grant_type='.$grant_type,

CURLOPT_HTTPHEADER => array(

'Content-Type: application/x-www-form-urlencoded'

));

$response = curl_exec($curl);

curl_close($curl);

$getToken=json_decode($response, true) ;

//echo $getToken['access_token'];

if(isset($getToken['access_token']) && $getToken['access_token'] !=''){

$accessToken=$getToken['access_token'];

$expires_at=$getToken['expires_at'];

// Save this details in the database to use access token and check expiry

}else{

$accessToken='';

$expires_at='';

}

Note: Don’t forget to replace your authentication details and also for production mode, must need to replace UAT Host URL with Production Host URL. Check here

Step-2: Initiate Payment Request

When you will receive the access token from step-1, then now we need to create payment and initiate the payment request.

Create a page named “index.php” and copy-paste the below code.


<?php
include 'accessToken.php';

$morderid=uniqid(); 

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api-preprod.phonepe.com/apis/pg-sandbox/checkout/v2/pay',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS =>'{
    "merchantOrderId": "'.$morderid.'",
    "amount": 1000,
    "expireAfter": 1200,
    "metaInfo": {
        "udf1": "test1",
        "udf2": "new param2",
        "udf3": "test3",
        "udf4": "dummy value 4",
        "udf5": "addition infor ref1"
    },
    "paymentFlow": {
        "type": "PG_CHECKOUT",
        "message": "Payment message used for collect requests",
        "merchantUrls": {
            "redirectUrl": "https://www.tutorialswebsite.com/"
        }
    } 
}',
  CURLOPT_HTTPHEADER => array(
    'Content-Type: application/json',
    'Authorization: O-Bearer '.$accessToken
  ),
));

$response = curl_exec($curl);

curl_close($curl);

$getPaymentInfo=json_decode($response,true);

    if(isset($getPaymentInfo['redirectUrl']) && $getPaymentInfo['redirectUrl'] !=''){
        $orderid=$getPaymentInfo['orderId'];
        $redirectTokenurl=$getPaymentInfo['redirectUrl'];
    
    
?>

<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>PhonePe Payment</title>
    <script src="https://mercury.phonepe.com/web/bundle/checkout.js"></script>
</head>
<body>

    <h4>PhonePe Payment Integration</h4>
    <button id="payButton">Pay Now</button>

    <script>
        document.getElementById('payButton').addEventListener('click', function () {
            // Manually enter your PhonePe payment URL here
           var tokenUrl = '<?php echo $redirectTokenurl;?>' 

            function paymentCallback(response) {
                if (response === 'USER_CANCEL') {
                    alert('Payment was cancelled by the user.');
                } else if (response === 'CONCLUDED') {
                    alert('Payment done successfully.');
                    window.location.href='/payment_success.php?orderid=<?php echo $orderid;?>&moid=<?php echo $morderid;?>';
                }
            }

            if (window.PhonePeCheckout && window.PhonePeCheckout.transact) {
                window.PhonePeCheckout.transact({
                    tokenUrl: tokenUrl,
                    callback: paymentCallback,
                    type: 'IFRAME'
                });
            } else {
                alert('PhonePeCheckout is not available.');
            }
        });
    </script>

</body>
</html>
<?php } ?>

<?php

include 'accessToken.php';

$morderid=uniqid();

$curl = curl_init();

curl_setopt_array($curl, array(

CURLOPT_URL => 'https://api-preprod.phonepe.com/apis/pg-sandbox/checkout/v2/pay',

CURLOPT_RETURNTRANSFER => true,

CURLOPT_ENCODING => '',

CURLOPT_MAXREDIRS => 10,

CURLOPT_TIMEOUT => 0,

CURLOPT_FOLLOWLOCATION => true,

CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,

CURLOPT_CUSTOMREQUEST => 'POST',

CURLOPT_POSTFIELDS =>'{

"merchantOrderId": "'.$morderid.'",

"amount": 1000,

"expireAfter": 1200,

"metaInfo": {

"udf1": "test1",

"udf2": "new param2",

"udf3": "test3",

"udf4": "dummy value 4",

"udf5": "addition infor ref1"

"paymentFlow": {

"type": "PG_CHECKOUT",

"message": "Payment message used for collect requests",

"merchantUrls": {

"redirectUrl": "https://www.tutorialswebsite.com/"

}

}',

CURLOPT_HTTPHEADER => array(

'Content-Type: application/json',

'Authorization: O-Bearer '.$accessToken

));

$response = curl_exec($curl);

curl_close($curl);

$getPaymentInfo=json_decode($response,true);

if(isset($getPaymentInfo['redirectUrl']) && $getPaymentInfo['redirectUrl'] !=''){

$orderid=$getPaymentInfo['orderId'];

$redirectTokenurl=$getPaymentInfo['redirectUrl'];

<!DOCTYPE html>

<head>

<title>PhonePe Payment</title>

</head>

<body>

<h4>PhonePe Payment Integration</h4>

document.getElementById('payButton').addEventListener('click', function () {

// Manually enter your PhonePe payment URL here

var tokenUrl = '<?php echo $redirectTokenurl;?>'

function paymentCallback(response) {

if (response === 'USER_CANCEL') {

alert('Payment was cancelled by the user.');

} else if (response === 'CONCLUDED') {

alert('Payment done successfully.');

window.location.href='/payment_success.php?orderid=<?php echo $orderid;?>&moid=<?php echo $morderid;?>';

}

if (window.PhonePeCheckout && window.PhonePeCheckout.transact) {

window.PhonePeCheckout.transact({

tokenUrl: tokenUrl,

callback: paymentCallback,

type: 'IFRAME'

});

} else {

alert('PhonePeCheckout is not available.');

}

});

</script>

</body>

</html>

<?php } ?>

Output:

When the user clicks the Pay button, the PhonePe Standard Checkout will open in an iframe.

Upon completing the payment, the user will be redirected to the success page defined in the code above.

Test Card Details:

“card_number”: “4242424242424242”,

“Name”: “Test”

“card_type”: “DEBIT_CARD”,

“expiry_month”: 12,

“expiry_year”: 2027,

“cvv”: “936”

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Step 3: Handle Payment Response

Next, we’ll create a payment_success.php page to handle the payment response, display a success message to the customer, and store the transaction details in the database.

Copy and paste the below code to handle the transaction response and validate it. Checkout PhonePe API Document


// fetch token from database and use here to validate the transaction status

$accessToken="GET_FROM_DATABASE";

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => 'https://api-preprod.phonepe.com/apis/pg-sandbox/checkout/v2/order/'.$_GET["moid"].'/status',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'GET',
  CURLOPT_HTTPHEADER => array(
    'Content-Type: application/json',
    'Authorization: O-Bearer '.$accessToken
  ),
));

$response = curl_exec($curl);

curl_close($curl);
$getInfo=json_decode($response,true);

print_r($getInfo);

// fetch token from database and use here to validate the transaction status

$accessToken="GET_FROM_DATABASE";

$curl = curl_init();

curl_setopt_array($curl, array(

CURLOPT_URL => 'https://api-preprod.phonepe.com/apis/pg-sandbox/checkout/v2/order/'.$_GET["moid"].'/status',

CURLOPT_RETURNTRANSFER => true,

CURLOPT_ENCODING => '',

CURLOPT_MAXREDIRS => 10,

CURLOPT_TIMEOUT => 0,

CURLOPT_FOLLOWLOCATION => true,

CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,

CURLOPT_CUSTOMREQUEST => 'GET',

CURLOPT_HTTPHEADER => array(

'Content-Type: application/json',

'Authorization: O-Bearer '.$accessToken

));

$response = curl_exec($curl);

curl_close($curl);

$getInfo=json_decode($response,true);

print_r($getInfo);

Transaction details:

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Wrapping Words

Once you’ve configured token generation, payment creation, and response handling, it’s easy to integrate PhonePe V2 Standard Checkout with PHP. Always test in a sandbox before going live.

Related Article:

Pradeep Maurya

Pradeep Maurya is the Professional Web Developer & Designer and the Founder of “Tutorials website”. He lives in Delhi and loves to be a self-dependent person. As an owner, he is trying his best to improve this platform day by day. His passion, dedication and quick decision making ability to stand apart from others. He’s an avid blogger and writes on the publications like Dzone, e27.co