Payments overview
The Payment Gateway is the largest surface area of the Omniware API. It covers everything from a one-line redirect to a full PCI-DSS seamless integration, plus refunds, splits, vendor management, and settlement reconciliation.
Pick an integration shape
Send the customer to pgbiz.omniware.in, they pay, Omniware redirects back. Lowest compliance burden — recommended default.
Same redirect flow, but the request body is AES-256-CBC encrypted. Use when you have intermediaries you don't trust between your server and Omniware.
Generate a one-time payment URL on your server and hand it to your mobile app or webview. Avoids exposing the salt on-device.
Get a UPI deep-link (and optionally a base64 QR) you can launch into Google Pay / PhonePe / Paytm directly.
Collect card details on your own UI. Requires PCI-DSS certification — Omniware can help you get there.
Send the customer a one-click payment URL by email and SMS, pre-filled with name / mobile / amount.
After the payment
| You want to... | API |
|---|---|
| Pull authoritative status by order ID | Payment Status |
| Issue a refund | Refund request |
| Check a refund's progress | Refund status |
| Split a payment across vendors | Split settlement |
| Manage vendor records | Vendor APIs |
| Reconcile bank settlements | Settlements |
| Listen for events | S2S webhooks |
Supported payment modes
The hosted page renders any combination of:
- Credit cards (Visa, Mastercard, RuPay, Amex, Diners)
- Debit cards (with PIN)
- Net banking (200+ banks — see bank codes)
- UPI — Collect and Intent
- Wallets
- EMI (cardless and card-based, configurable tenures)
- Standing instruction on cards
- e-NACH (account direct debit)
- BharatQR
- e-Collect (virtual account)
- Integrated NEFT/RTGS
Control which methods appear with the payment_options parameter on Payment Request.