1. Introduction

BillDesk enables a merchant to accept online payments. Accept online payments with our quick start low-code integration - Neo – Full Redirect. To add on, the UI (user interface) is responsive i.e. it automatically optimizes for the form factor, be it a desktop or mobile device allowing them to cater to a wide client base.

2. Salient Features

Low code integration - Accept payments with a few easy steps & minimal code with this offering
Customizations - Customize aspects such as merchant's company logo, payment methods as well as themes to give their customers an integrated experience

3. Experience the Product

To gain firsthand insight into the functionality of the Neo – Full Redirect, BillDesk invites merchants to explore the capabilities of BillDesk's API Playground.

🚧
API Playground
Experience Neo – Full Redirect

4. Integration Steps

Flow Diagram explaining this Workflow — Flow Diagram explaining this workflow

Step 1: Create an Order

An order needs to be created for every transaction initiated using the Neo – Full Redirect.

To create an order, use the Create Order API. The response of this API provides the bdorderId, href & rdata values (among other attributes) required to launch the Neo – Full Redirect (explained in Step 2).

Attribute	Description
mercid	Unique identifier provided by BillDesk for each merchant
href	This is the URL on which the required parameters need to be posted to BillDesk to launch the Neo – Full Redirect. The value is present in the “links” object in the Create Order API response. Please refer to the response of the Create Order API provided below. The links objects too is available separately. Note: The “links” object contains 2 href parameters. Please use the URL in the second href parameter.
rdata	Value generated by BillDesk in the “links” object of the Create Order API Please refer to the response of the Create Order API provided below. The links objects too is available separately.
bdorderid	Value generated by BillDesk in the Create Order API Response

{
  "objectid": "order",
  "orderid": "ORDERID280920230002",
  "bdorderid": "OAZY21S8GXAC",
  "mercid": "BDMERCID",
  "order_date": "2023-09-28T12:25:00+05:30",
  "amount": "2.00",
  "currency": "356",
  "ru": "https://www.merchanturl.com/response.jsp",
  "additional_info": {
    "additional_info1": "Details1",
    "additional_info2": "Details2",
    "additional_info3":"NA",
    "additional_info4":"NA",
    "additional_info5":"NA",
    "additional_info6":"NA",
    "additional_info7":"NA"
  },
  "itemcode": "DIRECT",
  "createdon": "2023-09-28T12:33:36+05:30",
  "next_step": "redirect",
  "links": [
    {
      "href": "https://www.domainname.com/pgi/ve1_2/orders/ORDERID280920230002",
      "rel": "self",
      "method": "GET"
    },
    {
      "href": "https://www.domainname.com/pgi/MerchantPayment/",
      "rel": "redirect",
      "method": "POST",
      "parameters": {
        "mercid": "BDMERCID",
        "bdorderid": "OAZY21S8GXAC",
        "rdata": "89fd934cf8ca5ad76b8efbcf1d56caf8546a28d5b7876ad0f4070d48fa9b6bc00d3d5c85cda042d681d4593a28dd4ecf19b97c4f15eddff452885653e3f08425d35868fc0b05dd1af21d6eec07364e13b9a3b8f4fd56bdc6983fa732a7ab5267c2708da2b41de3edbb05919787dd5f7c52d17b8e9522e0965164100632eda8575a59483f667255b1c4b0f63bb4ef61d.70675f706172616d5f656e6333"
      },
      "valid_date": "2023-09-28T13:03:36+05:30",
      "headers": {
        "authorization": "OToken 89fd934cf8ca5ad76b8efbcf1d56caf8546a28d5b7876ad0f4070d48fa9b6bc00d3d5c85cda042d681d4593a28dd4ecf19b97c4f15eddff452885653e3f08425d35868fc0b05dd1af21d6eec07364e13b9a3b8f4fd56bdc6983fa732a7ab5267c2708da2b41de3edbb05919787dd5f7c52d17b8e9522e0965164100632eda8575a59483f667255b1c4b0f63bb4ef61d.70675f706172616d5f656e6333"
      }
    }
  ],
  "status": "ACTIVE"
  }
}

{
  "links": [
    {
      "href": "https://www.domainname.com/pgi/ve1_2/orders/ORDERID280920230002",
      "rel": "self",
      "method": "GET"
    },
    {
      "href": "https://www.domainname.com/pgi/MerchantPayment/",
      "rel": "redirect",
      "method": "POST",
      "parameters": {
        "mercid": "BDMERCID",
        "bdorderid": "OAZY21S8GXAC",
        "rdata": "89fd934cf8ca5ad76b8efbcf1d56caf8546a28d5b7876ad0f4070d48fa9b6bc00d3d5c85cda042d681d4593a28dd4ecf19b97c4f15eddff452885653e3f08425d35868fc0b05dd1af21d6eec07364e13b9a3b8f4fd56bdc6983fa732a7ab5267c2708da2b41de3edbb05919787dd5f7c52d17b8e9522e0965164100632eda8575a59483f667255b1c4b0f63bb4ef61d.70675f706172616d5f656e6333"
      },
      "valid_date": "2023-09-28T13:03:36+05:30",
      "headers": {
        "authorization": "OToken 89fd934cf8ca5ad76b8efbcf1d56caf8546a28d5b7876ad0f4070d48fa9b6bc00d3d5c85cda042d681d4593a28dd4ecf19b97c4f15eddff452885653e3f08425d35868fc0b05dd1af21d6eec07364e13b9a3b8f4fd56bdc6983fa732a7ab5267c2708da2b41de3edbb05919787dd5f7c52d17b8e9522e0965164100632eda8575a59483f667255b1c4b0f63bb4ef61d.70675f706172616d5f656e6333"
      }
    }
  ]
}

💬
Preparing a request payload
Every API request needs to encrypted. Similarly, the response of each API is also returned in an encrypted format by BillDesk.
A step by step guide to prepare the request payload, transmit it and capture the response is available here.

💬
Pick and choose the flow
The Create Order API is modular and supports 2 additional workflows as add-ons:

Account Validation Service (AVS): - AVS can be used in case merchant wishes to permit the customer to complete the transaction with a pre-defined account. More details on AVS are available here.

Split Settlement: Applicable in case merchant wants the transaction settlements in multiple accounts. More details on Split Settlement are available here.

Note: If merchants would like to implement these flows, they would need to contact the designated BillDesk RM prior to initiating the integration.

💬
Validity of an order
Every order created with the Create Order API is valid for a period of 30 minutes. Thus the customer needs to complete a transaction within this timeframe.

Step 2: Launch the Neo – Full Redirect

To launch the page, merchant would need to POST a form with attributes received from the Create Order API (Step 1):

Sample Form

<html>
	<head></head>
	<body>
		<form name="sdklaunch" id="sdklaunch" action=action="<URL for UAT/ Production. Refer Step 1>" method="POST">
		<input type="hidden" id="merchantid" name="merchantid" value="BDMERCID" />
		<input type="hidden" id="bdorderid" name="bdorderid" value="OAVS21T9I8QL" />
    <input type="hidden" id="rdata" name="rdata" value= "89fd934cf8ca5ad76b8efbcf1d56c4.70675f706172616d5">
		<input name="submit" type="submit" value="Complete your Payment" />
		</form>
	</body>
</html>

💬
Customizations
Merchants can get their merchant logo added on the Neo – Full Redirect. Please contact your BillDesk RM for assistance with this.

📘
If you have integrated the Neo - Full Redirect in a WebView in your mobile application, you will need to handle UPI intent.

Step 3: Capture the transaction response

When the transaction is completed by the customer using a payment method of choice, the customer is returned to the "ru" ('ru' is a return url defined by merchant) an attribute provided in the Create Order API. BillDesk will also POST a response to this URL containing details of the transaction.

3.1 Capture and parse the transaction response
The transaction response provided depends on the payment method used by the customer. (Samples provided below)
The value after the transaction_response parameter till the next "&" character is the encrypted transaction response which provides more details about the transaction.

mercid=BDMERCID&terminal_state=Y&orderid=BDSDK1708425345321&bdcres=feda97f197e4af58c9c69f32fa0771f0e2a06e9036294032f366ee37f0273955121fa5f4abd5dadee293d9a7.4145535f55415431&transaction_response=eyJ4NXQjUzI1NiI6ImZlNllsbHUtQXB2Q1d0OXQwQ2VPdzg5dkJ1VFk5aG1aSVZYWEJraFZBYkkiLCJraWQiOiJBQkNEMTIzNCIsImFsZyI6IlBTMjU2In0.ZXlKNE5YUWpVekkxTmlJNkltWmxObGxzYkhVdFFYQjJRMWQwT1hRd1EyVlBkemc1ZGtKMVZGazVhRzFhU1ZaWVdFSnJhRlpCWWtraUxDSnJhV1FpT2lKQlFrTkVNVEl6TkNJc0ltVnVZeUk2SWtFeU5UWkhRMDBpTENKaGJHY2lPaUpTVTBFdFQwRkZVQzB5TlRZaWZRLkJQUHZhNTk4OGNwa2NuMS1sMGtBdTNncVpYRVNTdE04T2NUN0t5djBzc0VGYlV1bmlfYk9HbnJrb0VwUzR3Nm51NmNjeHRNZTFHYUdjTHIybnZzaGJiNTdEQkVEN3dqMDBLVlBDR3VLcXJKc3NFajFTNGxXZndnZ0ppZG9JYW91SEtYdmtuQWpxY1ZlT1NFWEJPVWZLa0FRa1ZQZ2RRTE4yNTA0WFFfWkJuZk5PSGlSTERpOFhzeFRFNS0yM1NKSlZ6c2NNT1QxaDRUbzdPVFBUN3FuNjNHd3JjZjNBV3lNTWVCZm1NVzlCRWxOMjlmSkhLTVk5MldSYWNkV0NCeFlHYzh2cmUwT2steDVYR0xnYmY5anBoeHg5aFB6MExXSnBESGp0dGU0OU1icFVZeUhWdzBYUVNteXA2TVJfaGlKTFNjRWNDYXlPYW9kbF9SSWZaYS1DZy5WMFhvRkJlRFFnOXF6dGhjLmVWZVNUYV96MGQ4YmVjOW1XUlhWZHhzUVlXaDJBUHZKNXdDWEZQcHhhSEVlNmg3eHlMTGNOYzJ6eDFkYWxaa2N5MkVCZ3lBN0t3QmdOekpRUlJkeUNoeVF6RVpESWZKdGFsVGk0X2ZJQXNjaklqTHpVZEs0YTdvYndjRHdScEJVUTAydkY1ejB1SlRTb3pzdW16ekw1RW84b29IVUlNbkNNWU5rbEhNVkZyck9FWms0VGlVODNlV0dTN19zcDdrUTZVWnBySk9RTVYtZV9SZDNZVlE4RGlQck5Ocnk1QldIUkR6bDctUVdmUkZkaXlwaTNYRTE2dFdDdjBnVS1PU0p4al9qejNWcklhSXMtM2x5UXVacFNVNVd3QUIwVko2WGpSLVR2ZXZfWjhnOS1LbkhIejZfdVlsNFZjbzlVS3J0d3lRMjdnQ0RFZUtBUVJ0TkdxSkNDR0VxUUs4b2llWUMyTm5rSVNFemtvZldBZlZRc3JUeXFnbW5ZTXl5eDlhdlVFcVduejl2THhHLUJCbjZwdlFFTFpFcVE4MWdVUGRHR0huRDlSM0p2QktLUUxlVndPbWlpX2FWSHB5b0hSbFNzeG1qd2t5MDhaUW5pUjQyUndkdWZmeUwxTmwyVkdnVDFBelltaENZdThHeXBGUGtTQVpERFgxUTVaZFByNDFSRWFhQi1RQmlCams0c1U4RWQyWDRNQjlFSGNfWGNkUFFYVWc1T0VpMVVnMnFZelJHNHRfek5xREFLYTFUU0FjRERmRFJlNjAzV09pZXRUWjBETUppdVlLclBlMC05SVNFdG8xMkM0X0s2Ql9GT0NFb2NZQ3Q1NC1jN1YtaXhYMUctYmhtU05iRU03T3Q1TzRZTEstZTRFV1Y4Wld3VHdaRXBLdjYxcDlKaHJ0eENIY2dhdU9fRnI0aHRHOW9WVlZDVmFEVm1CelZYSWFlSVJSOXM3S2pXbFRfbUd3MUZZdUNZTnRiZFg4ek5jQkJOZlVrNnhiX25LbmRBUDhCWlRiRDhZdGFZSklWeTMteXhzNjdZTlJ2RllZa1hIVTVBM1ltQllMN3FPZkpoOV9tRGlmUzNQVEFnZURJaTI0Mkt1MEl5enRUalVraUxUZnBIODVNWDZ4cHE3RzFHbE5XMVQ3SEFDQ2dxbVMxZ1lCbk9lMnRYN1VBbURYMlFuODVLR3A5RkZJMk9EY0JxcXhQR3ZKOXZTRlhKOVNtRU8tdmtVSHVKSEF3YS0zc29qaWpJUVVLZWNpWHJFajFEek1sWmU0ajNJVmNNNkUuaWdGWkxVUXlUSXUwdXhsQkdjYi1Kdw.R1dukafOsuf4b5mQI1F4rt_zrux14-mUiboNYHJO14p-bbO53e-NTCubCZU8TSFQzeK4tl3dCBqtMnsB9Vt8rqlgusr40gaoB1Yv3DyUYKwXOPrnkHqW2I58oWBNhOdlTUJl0F5Y3UzI81bjW0TE-AjFl_MDlAEAGlYfYPrbPoFlZaPqvfpHLKyu8R83M78OMzadQcUj_tOXX6z6OvgXpQHA8knl33kE02AYyKHPa1I8aK3pc__jFJ_2sUkgkEzYh-L7OdVRgxx4JRYYEsMbuTTWtpeerVjiX1n-3YVfO46wxA8Tom4hPTxpYdzr76ws4Pl4xhBULADj4unXsZ_wFw&return_url=https%3A%2F%2Fmercantuat.com%2F

transaction_response=eyJ4NXQjUzI1NiI6ImZlNllsbHUtQXB2Q1d0OXQwQ2VPdzg5dkJ1VFk5aG1aSVZYWEJraFZBYkkiLCJraWQiOiJBQkNEMTIzNCIsImFsZyI6IlBTMjU2In0.ZXlKNE5YUWpVekkxTmlJNkltWmxObGxzYkhVdFFYQjJRMWQwT1hRd1EyVlBkemc1ZGtKMVZGazVhRzFhU1ZaWVdFSnJhRlpCWWtraUxDSnJhV1FpT2lKQlFrTkVNVEl6TkNJc0ltVnVZeUk2SWtFeU5UWkhRMDBpTENKaGJHY2lPaUpTVTBFdFQwRkZVQzB5TlRZaWZRLmdKRDlyNThMZEpRb1k0SXJQSlhyeFBPa2dvcGVFZDUwSU9KQmdKb3ZfejF0REY0Z1lRWl9JNDBVVFFfZWdaWkJOWldSQ2tDT3gzVGFHMnpPbVhCWnJEMlhoajdORmx4b2tUcW4yRG1YVzZjR2xmQlZrNU13MXNtaTZyZjVaU2toV0h3REFubGFPcUV5QWlnNDZvNXBraGljclAyR0FZc2R1QmRCUEJGN1BwOEhzdTdDaEZ6bF9waF9QcFJkdUlrYmpob3lEZFhraEY1RDJVRjFWb2M0aGY2OTBXd0p4S3BtS2tOM2FqcTRNbkNfSC1pUG5mTGFPVW5nTEpqaUxSQ0lRZFZlWXpjSi0wdW5QMzFhWFpxbFYyNXFPSnZnOTJHQ1l6LVhGb3BHLWQwckszbVJKMDk1d0M5YmRWRDJQalB0X2E3OVNGTTFESU5aWWo5MXV5UkpRQS4zNEttN0JZSS1zcHZuYnNWLjJwTUpJSUZnLXBCS0pXOEl2bE56cTBWLUF4M3QwNUFBVXZWZzhaSzg0a0ZfeGVrWWRfSVQ1dGN0alF2SUZsNTYzT3N6Z29Lalc0SXhaaHJvNXRnckNZUlVZSGVrTHZ1My1SelpRYUhjU1FHNVJSM0cyTnFpWGQtMGdGV0piSzhoUXdPbzlSaElvUmQ5dXRCRkd2ZUhtTXRuSVhpTHlZMkZzZDFPdXV1RmxEdVBtS2Q0RC0xQ21JVjBQNl8wRzNjTlVNRVRWSGlCbU03ZHhQcU1CSGtIbjlvRjRWdHNiUWFQMGVPanQ2UXozLTJXQ2U1LWpOWnd3OUlXc3RUOHMwbF9hdjB1WUNTZzRfV0tuSThiTDhmUm1rV3p5ZE5tT2tCQkF2emhlRjI4cG9JRUlUY2I1RGxaaUE4ODVQYXQ1V2tkX014Y1hnWDhkWEZVeFFZNkFOYVg2eWdVQVBuZWxEeThMYUtVMDN6QVJsMXVWNzJ3eGV5NUdiNEJnSFBDcmlTWmlnUTZLUTMtUEZOMm15SjJLZjI5eW1tOURGU3NiT3NkOVNoTEJwTDZzQUdTWVJRNlNvdDZKdHlYTVEyZ3hjY05ZVVZvdDVYa2ZDcUI5UXBlS3FvbTktN0l4TEYxMndCUlhFYS1Bdm5sYVJfMlJBeDh3SEZjaXUwMlZIeU5IemFBT2locUdqMmgwcXVNanY4VHNTd2pVWnBtcmdLc2pEZnlYeFhGcEptelQ5cnphN2RrbXRzOFhGaFgwQmxSZklCdEVGYk5WMTNOR1lSR3BWTHI0cHh2cEFfWi1qLUdoZjl1d3hSUkR2Nk5DaGNhOTNkN0dHOVJjNHB0TjYxVVN6bWJiQ0hDbFRzWlVPVFBTUDRiSHBzejhZTFlqWlJKZnFBaF9jMGNlOGpJWndsZ3NKNGs1bnhSTHpKTGZYQWpPRUFVcGV5Mlg0YjREcmRyQ2JTZ1FibC12ZG5ZNEktMWdkQVBtS3F0aTVyVWNhOHR5Q05pYzNLcmxBUmFySjNxWnFPMjE4eXNlSDRUeDlNM05tX2FRWndPWVFJQXZBTVB2Y1d3dUZPaXViR0c3YlBhWFJ6eV9DVXBIWXZuNkF5VllUbXl4RTB6N01ZQ3JjQ1N6WmlaN2ZxQ1Q3TUV1MDNQTGlDU29TRGFuOUd2dkluc09BLWxxT3NtbmhjYlpLRGtNbVc5U3ZyMy5SUU50TXgwM1pRb3RyNTVOODlfZS1B.KfUmhrS3KMwm8t_Uihft-x9kG2iYarW85S1EuNNlgmcB7q1eKELmpJgjEGjtIkRr395jqzAh5b36Dsx2iVLKnYGvF107JSZfXQ50FN06Xytb3jA0gFzeNGXJ9bhORZ0N1OJzOmo2OnLsfikrdkeIj3Emz3ofP7XLCozm9ri8-gS4GsDvhUobvETjw5QMOcGn1zrfa_UPPwR_KUcF0Ar4HtXL6H8QyJ75UIGutAOFdo_PYW3D3hMXdd3okw7R1waTCdQ6GiLTeRRY0wo09Jf0VEIuzV8l2zcVlfYhrLK3ffwxykP8errxyWcpBQdhcHi3FiGOEtQyOJwQlVqPx0X4mQ

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{
   "objectid":"transaction",
   "mercid":"BDMERCID",
   "transaction_date":"2020-11-20T13:55:59+05:30",
   "surcharge":"2.00",
   "payment_method_type":"netbanking",
   "amount":"300.00",
   "ru":"https://example.com/pgresponse/modal/redirect",
   "orderid":"yukkq8hnxcrztea8op24bk",
   "transaction_error_type":"success",
   "discount":"0.00",
   "transactionid":"U1230000041968",
   "txn_process_type":"nb",
   "bankid":"123",
   "additional_info":{
    "additional_info1":"Details1",
    "additional_info2":"Details2",
    "additional_info3":"NA",
    "additional_info4":"NA",
    "additional_info5":"NA",
    "additional_info6":"NA",
    "additional_info7":"NA"
   },
   "itemcode":"DIRECT",
   "transaction_error_code":"TRS0000",
   "currency":"356",
   "auth_status":"0300",
   "transaction_error_desc":"Transaction Successful",
   "charge_amount":"302.00",
   "payment_category":"01"
}

Alternately, merchants can also use the orderid parameter and call the Retrieve Transaction API to query the status of the transaction.

3.2 Page closure response

A customer may choose to exit the Neo – Full Redirect by clicking on the cancel (cross button) on the top right corner of the Neo – Full Redirect . In this scenario the customer is redirected to the 'ru' and the below response is posted to the 'ru'. The order id passed here corresponds to the order id passed by the merchant in the Create Order API request.

terminal_state=111

5. Next Steps

Once the transaction is completed, the below 3 APIs are available to Create a Refund or Query the status of a transaction / refund.

💬
Transaction status check
Merchant can check the status of a transaction at any point using the Retrieve Transaction API.

💬
Refunds
Merchant can initiate a refund for any successful transaction using the Create Refund API.

💬
Refund status check
Merchant can check the status of a Refund at any point using the Retrieve Refund API.

6. See Also

💬
Review the associated add-on workflows
Here are quick links to access the Account Validation Service (AVS) and Split Settlement workflows elaborated in the sections above.