Every way to pay
Customers pay invoices by UPI, cards, netbanking or wallets on HDFC’s secure page.
HDFC SmartGateway Integration
How to Connect
HDFC SmartGateway
Connect your HDFC Bank SmartGateway merchant account — customers pay invoices by UPI, cards, netbanking or wallets on HDFC’s hosted page, confirmed with HDFC before they settle.
- Your own HDFC merchant account
- UPI, cards, netbanking & wallets
- Verified with HDFC
01Connect
Connect your SmartGateway keys
The Merchant ID comes from HDFC Bank; create the API Key in the SmartGateway dashboard → Payments → Settings → Security → API Keys. In the app, open Modules → Integrations → HDFC, enter them with your webhook username and password, and click Connect.
- Payment Page Client ID set automatically
- Sandbox with the test account, Live with production keys
- Secrets encrypted, never shown again
Connect HDFC SmartGateway
Merchant IDSG••••
API Key••••••••••
Payment Page Client IDLeave blank — set automatically
Response Key••••••••
Webhook Usernamespeedohooks
Webhook Password••••••••
ModeSandbox (testing)Live
A new production account is capped at 200 payments a day of up to ₹10 each until HDFC’s QA sign-off. Customers need an email address and mobile number on file.
CancelConnect
02Webhook setup
Set the webhook in SmartGateway
HDFC makes the webhook mandatory. In the SmartGateway dashboard → Payments → Settings → Webhook, paste the Webhook URL shown in the app, choose a username and password, and enter the same pair in Speedo One — webhooks without this pair are rejected.
- Order and refund events in one webhook
- Optional signed response for every return
- Auto refund for double charges, as HDFC recommends
Webhook — set this in the SmartGateway dashboard
- Dashboard → Payments → Settings → Webhook.
- Webhook URL:
https://…/api/payments/hdfc/webhook - Choose a username (letters and digits only) and a password, and enter the same pair in Speedo One.
- Enable the order and refund events: Order SucceededOrder FailedOrder RefundedOrder Refund FailedRefund Manual Review Needed
- Optional: create a Response Key and set “Use signed response” to Yes — every return is then signature-checked.
- Recommended by HDFC: turn on auto refund for multiple-charged and late-success transactions.
03Hosted payment page
Customers pay on HDFC’s own page
When a customer pays an invoice, they’re taken to HDFC’s own secure payment page — UPI, cards, netbanking and wallets in one flow. The money lands in your own HDFC SmartGateway merchant account.
- UPI, cards, netbanking and wallets
- Secure page hosted by HDFC
- Paid into your own merchant account
Secure hosted payment page
Sharma Furnishings₹18,400Invoice INV-1187
UPIUPI
CARDCards
NBNetbanking
WWallets
Pay ₹18,400
04Verified with HDFC
Settled only after HDFC confirms
The return redirect is never trusted — every payment is confirmed with HDFC’s Order Status API (order and amount) before the invoice is settled, and posted to accounting once. Update or disconnect the gateway any time — recorded payments are kept.
- Order and amount both checked
- Posted to accounting exactly once
- Disconnect without losing payments
Payment · INV-1187Paid
✓Payment on HDFC’s page₹18,400 by UPI
×Return redirectNever trusted on its own — nothing settles yet.
✓Order Status APIOrder and amount confirmed with HDFC.
✓Invoice settledPosted to accounting once.
Verified with HDFC
Every payment is confirmed with HDFC’s Order Status API before the invoice settles.
Straight to accounting
Confirmed payments settle the invoice and are posted to accounting exactly once.
Protected webhook
Only webhooks carrying your username and password pair are accepted — the rest are rejected.
Collect invoice payments through HDFC
Get Started Today- Your own HDFC merchant account
- UPI, cards, netbanking & wallets
- Verified with HDFC