Dynamic QR Based Payments

Dynamic QR API helps you create a QR code on the fly that you can use on bills, invoices and receipts. This lets you collect payments from customers offline when someone scans the QR via any UPI app.

Scan the QR code below from any UPI app (Google Pay, Bhim, MobiKwik, Phonepe, Paytm, etc) to see it in action.

This flow is to understand the integration process of Dynamic QR Based Payments of Mobikwik PG

Try it out in the API explorer

Getting Started With Dynamic QR API

Curl Request for API

curl -X POST \
  https://api.zaakpay.com/api/payments/v1/upi/qr \
  -H 'Cache-Control: no-cache' \
  -H 'Content-Type: application/json' \
  -H 'Postman-Token: 0747d079-ab40-45c1-8a1d-ff452201aa60' \
  -d '{
"merchantIdentifier":"b19e8f103bce406cbd3476431b6b7973",
"orderId": "ZPUpiQrDirectTestv321",
"height":200,
"width":200,
"amount": 101,
"checksum" : "d51bd2966f2fa55316dc45105f5c0acffeed83e19f8671dac927e10ab997f4f2",
"productDescription": "bill Pay"
}'

{
    "success": true,
    "message": {
        "code": "208",
        "text": "Transaction in Processing state."
    },
    "data": {
        "orderId": "ZPUpiQrDirectTestv321",
        "zaakpayOrderId": "ZP5a81aa6777658",
        "qrDetails": {
            "url": "upi%3A%2F%2Fpay%3Fpa%3Dfinnovation.zaakpay%40hdfcbank%26pn%3Dnull%26tr%3DZP5a81aa6777658%26am%3D1.01%26cu%3DINR%26mode%3D01%26purpose%3D10%26orgid%3D-%26sign%3D-%26tn%3Dbill+Pay",
            "imgData": "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",
            "imgUrl": "https://api.zaakpay.com/api/payments/v1/upi/qr/image?mid=b19e8f103bce406cbd3476431b6b7973&width=200&height=200&data=upi%3A%2F%2Fpay%3Fpa%3Dfinnovation.zaakpay%40hdfcbank%26pn%3Dnull%26tr%3DZP5a81aa6777658%26am%3D1.01%26cu%3DINR%26mode%3D01%26purpose%3D10%26orgid%3D-%26sign%3D-%26tn%3Dbill+Pay&checksum=2f8d5ebf96faa8dfb06ba5fe859222adc3ef7efe4069958b7118c3a67713b590"
        }
    }
}

{
    "success": false,
    "message": {
        "code": "128",
        "text": "Order Id already processed."
    },
    "data": {
        "orderId": "ZPUpiQrDirectTestv321",
        "zaakpayOrderId": "ZP5a81aa6777658",
        "qrDetails": {
            "url": "upi%3A%2F%2Fpay%3Fpa%3Dfinnovation.zaakpay%40hdfcbank%26pn%3Dnull%26tr%3DZP5a81aa6777658%26am%3D1.01%26cu%3DINR%26mode%3D01%26purpose%3D10%26orgid%3D-%26sign%3D-%26tn%3Dbill+Pay",
            "imgData": "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",
            "imgUrl": "https://api.zaakpay.com/api/payments/v1/upi/qr/image?mid=b19e8f103bce406cbd3476431b6b7973&width=200&height=200&data=upi%3A%2F%2Fpay%3Fpa%3Dfinnovation.zaakpay%40hdfcbank%26pn%3Dnull%26tr%3DZP5a81aa6777658%26am%3D1.01%26cu%3DINR%26mode%3D01%26purpose%3D10%26orgid%3D-%26sign%3D-%26tn%3Dbill+Pay&checksum=2f8d5ebf96faa8dfb06ba5fe859222adc3ef7efe4069958b7118c3a67713b590"
        }
    }
}

For duplicate order id, API fails to return the new QR data and the same QR data based on provided order id will be returned.

Request Parameters

Member Name	Type	Description
orderId	String	Order Id for requested payment.
amount	Integer	Amount for the transaction in Paisa.
buyerEmail	String	Buyer email [Optional].
width	Integer	Width of QR [Optional default = 200]
height	Integer	Height of QR [Optional default = 200]
productDescription	String	Product Description for the payment
checksum	string	Checksum generated on request json field values in the order[merchantIdentifier,orderId,amount, productDescription]

Staging Credentials

Merchant Identifier : b19e8f103bce406cbd3476431b6b7973
Secret key : 0678056d96914a8583fb518caf42828a

Checksum Calculation Process

For both integrity & data-authenticity verification before sending data to the API, you need to
calculate a checksum of all the data that you send to MobiKwik Payment Gateway. We use an
HMACSHA-256 algorithm to calculate the checksum of ALL data that is posted to the API.

You need to calculate check on merchantIdentifier, orderId, amount and productDescription in below-provided format.

"b19e8f103bce406cbd3476431b6b7973"+"ZPUpiQrDirectTestv321"+"101"+"bill Pay"

"b19e8f103bce406cbd3476431b6b7973ZPUpiQrDirectTestv321101bill Pay"

d51bd2966f2fa55316dc45105f5c0acffeed83e19f8671dac927e10ab997f4f2

Response Parameters

Member Name	Type	Description
url	String	The API generated intent_url for the requested payment.
imgUrl	String	The API endpoint to show QR Code of the payment request on the browser
imgData	String	A base64 data of the generated QR Image. This can be used if you don’t require the API for showing QR.
orderId	String	Order Id of payment sent from your end.
zaakpayOrderId	String	The system generated transaction number for the requested orderId. There will be one to one mapping between orderId and zaakpayOrderId.
responseCode	Integer	Response code for the API Request
responseDescription	String	Response Description of the API Request