Introduction

The Server-to-Server (S2S) Net Banking integration lets you initiate net banking payments entirely from your backend. EximPe returns an ACS (Access Control Server) template that you render in the customer’s browser, which automatically redirects them to their bank’s net banking portal to authorise the payment.

18+ Banks Supported

SBI, HDFC, ICICI, Axis, Kotak and many more

ACS Redirect

Seamlessly redirect customers to their bank’s portal via Base64-encoded HTML

Real-time Callbacks

Receive instant payment status updates via server-to-server webhooks

Prerequisites

Before you begin, ensure you have:

Credentials: Your Client ID and Client Secret
Domain Whitelist: Whitelisted your website domain in the EximPe dashboard
Webhook URL: A secure endpoint to receive payment status updates
Callback URL: A publicly accessible URL configured in your EximPe dashboard for server-to-server callbacks
HTTPS Endpoint: All S2S endpoints must be served over HTTPS

The following steps allow you to integrate S2S net banking payments:

Initiate payment with the customer’s selected bank code
Render the ACS template to redirect the customer to their bank
Check payment transaction status
EximPe sends Server-to-Server callback response

Step 1: Initiate Payment

Send a POST request to the Create Order endpoint with collection_mode set to "s2s" and mop_type set to "net_banking". Include the customer’s chosen bank code in netbanking_details.

POST /pg/orders/

{
  "amount": "1000.00",
  "currency": "INR",
  "reference_id": "S2SNB_REF123",
  "return_url": "https://yoursite.com/payment/callback/",
  "collection_mode": "s2s",
  "mop_type": "net_banking",
  "netbanking_details": {
    "bank_name": "Axis Bank"
  },
  "buyer": {
    "name": "John Doe",
    "email": "[email protected]",
    "phone": "+919876543210",
    "address": {
      "line_1": "123 Main Street",
      "line_2": "Apt 4B",
      "city": "Mumbai",
      "state": "Maharashtra",
      "postal_code": "400001"
    },
    "ip_address": "192.168.1.100",
    "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36"
  },
  "product": {
    "name": "Sample Product",
    "description": "This is a sample product description",
    "hs_code": "98051000",
    "hs_code_description": "Portable automatic data processing machines",
    "type_of_goods": "physical_goods"
  },
  "invoice": {
    "number": "INV_NB001",
    "date": "2025-09-04"
  }
}

Required parameters for S2S Net Banking:

collection_mode: must be "s2s"
mop_type: must be "net_banking"
netbanking_details.bank_name: name of the selected bank (see Supported Banks)
buyer.ip_address: customer’s device IP address (used for fraud prevention)
buyer.user_agent: customer’s browser user-agent string (used for fraud prevention)

Request Headers

X-Client-ID: YOUR_CLIENT_ID
X-Client-Secret: YOUR_CLIENT_SECRET
X-Merchant-ID: YOUR_MERCHANT_ID   # Required for PSP merchants
X-API-Version: 3.0.0
Content-Type: application/json

Response

{
  "success": true,
  "message": "S2S Net Banking Payment Request created successfully",
  "data": {
    "order_id": "OD9123456789",
    "acs_template": "PGh0bWw+PGJvZHk+PGZvcm0gbmFtZT0icGF5bWVudF9wb3N0..."
  }
}

order_id: Unique order identifier for tracking the transaction
acs_template: Base64-encoded HTML form that redirects the customer to their bank’s net banking portal

Step 2: Render ACS Template

Decode the Base64 acs_template and render it in the customer’s browser. The embedded form auto-submits and takes the customer directly to their bank’s authentication page.

function handleACSTemplate(acsTemplate) {
  // Decode Base64 HTML
  const decodedHTML = atob(acsTemplate);

  // Open in a new window or write into the current page
  const authWindow = window.open('', 'NetBanking_Auth', 'width=800,height=600');
  authWindow.document.write(decodedHTML);
  authWindow.document.close();

  // Poll for window close (customer completed / cancelled payment)
  const checkClosed = setInterval(() => {
    if (authWindow.closed) {
      clearInterval(checkClosed);
      checkPaymentStatus();
    }
  }, 1000);
}

Always decode and render the ACS template in a secure HTTPS context. Never modify the decoded HTML before rendering — doing so may break the bank redirect.

Step 3: Check Payment Transaction Status

Use the Order Status API to retrieve the current payment status:

curl -X GET https://api-pacb.eximpe.com/pg/orders/{order_id}/status/ \
  -H "X-Client-ID: YOUR_CLIENT_ID" \
  -H "X-Client-Secret: YOUR_CLIENT_SECRET" \
  -H "X-Merchant-ID: YOUR_MERCHANT_ID" \
  -H "X-API-Version: 3.0.0"

For detailed parameters and response formats, see the Get Order API

Payment Status Values

Status	Description
`payment_pending`	Payment initiated, awaiting completion
`payment_successful`	Payment completed successfully
`failed`	Payment failed or was declined

Step 4: Server-to-Server Callback Response

EximPe sends real-time webhook notifications when payment status changes:

{
    "event_type": "PAYMENT_SUCCESSFUL",
    "event_time": "2024-02-15 16:53:15",
    "version": "1.0",
    "sequence_number": "e40552bf-ed12-4f35-9a97-162d97e6fa34",
    "data": {
        "status": "captured",
        "message": "Payment successful",
        "mop_type": "net_banking",
        "order_id": "OD9123456789",
        "payment_id": "PR6938527534",
        "bank_ref_num": "OD9123456789-PR6938527534",
        "payment_completed_at": "2025-06-24T12:30:44.000000Z"
    }
}

For more webhook details, see:

Supported Banks

Axis Bank
Bank of India
Bank of Maharashtra
Central Bank Of India
Corporation Bank
Development Credit Bank
Federal Bank
HDFC Bank
ICICI Netbanking
Industrial Development Bank of India
Indian Bank
IndusInd Bank
Indian Overseas Bank
Jammu and Kashmir Bank
Karnataka Bank
Karur Vysya
State Bank of Bikaner and Jaipur
State Bank of Hyderabad
State Bank of India
State Bank of Mysore
State Bank of Travancore
South Indian Bank
Union Bank of India
United Bank Of India
Vijaya Bank
Yes Bank
CityUnion
Canara Bank
State Bank of Patiala
Citi Bank NetBanking
Deutsche Bank
Kotak Bank
Dhanalaxmi Bank
ING Vysya Bank
Andhra Bank
Punjab National Bank CORPORATE
Punjab National Bank
Bank of Baroda
Catholic Syrian Bank
Oriental Bank Of Commerce
Standard Chartered Bank
Tamilnad Mercantile Bank
Saraswat Bank
Syndicate Bank
UCO Bank
Bank of Baroda Corporate
Allahabad Bank
Bank of Bahrain and Kuwait
Janata Sahakari Bank
Lakshmi Vilas Bank Corporate
Lakshmi Vilas Bank Retail
North Kanara GSB
Punjab and Maharashtra Coop Bank
Punjab and Sind Bank
Ratnakar Bank
Royal Bank of Scotland
Shamrao Vithal Coop Bank
Tamil Nadu State Apex Coop Bank
DENA Bank
COSMOS Bank
DBS Bank Ltd
DCB BANK Business
SVC Cooperative Bank
Bharat Bank
Karur Vysya Corporate Banking
Union Bank Corporate Banking
IDFC Bank
The Nainital Bank
Airtel Payments Bank

Next Steps

Go Live: Switch to production credentials after thorough testing
Monitor: Track success rates and error patterns via your EximPe dashboard

For additional support, see the API Reference or contact our integration team.

Get Started

Payment Integration

S2S Net Banking Payment

Introduction

18+ Banks Supported

ACS Redirect

Real-time Callbacks

Prerequisites

Step 1: Initiate Payment

Request Headers

Response

Step 2: Render ACS Template

Step 3: Check Payment Transaction Status

Payment Status Values

Step 4: Server-to-Server Callback Response

Supported Banks

Next Steps

Get Started

Payment Integration

​Introduction

18+ Banks Supported

ACS Redirect

Real-time Callbacks

​Prerequisites

​Step 1: Initiate Payment

​Request Headers

​Response

​Step 2: Render ACS Template

​Step 3: Check Payment Transaction Status

​Payment Status Values

​Step 4: Server-to-Server Callback Response

​Supported Banks

​Next Steps

Introduction

Prerequisites

Step 1: Initiate Payment

Request Headers

Response

Step 2: Render ACS Template

Step 3: Check Payment Transaction Status

Payment Status Values

Step 4: Server-to-Server Callback Response

Supported Banks

Next Steps