# Create Payment Intent Create a new payment intent to initiate a payment flow. ## Request ### Headers ### Body Parameters ```json { "amount": 100, "currency": "INR", "paymentMethod": "upi", "customerEmail": "test@example.com", "customerPhone": "+911234567890", "customerFirstName": "Test", "customerLastName": "Customer", "customerCountry": "IN", "description": "Test payment" } ``` ### Payment Methods | Value | Description | |-------|-------------| | `credit_card` | Credit card | | `upi` | UPI (India) | | `net_banking` | Net banking | | `crypto` | Cryptocurrency | :::note - `credit_card` is currently supported for TWD (Taiwan Dollar) payments. The `customerPhone` field must be a 10-digit number starting with `09` (e.g., `0912345678`). - `upi` is used for INR (Indian Rupee) payments. - For crypto payments (USDT, USDC, BTC, ETH, SOL, BNB), the `paymentMethod` field is optional — the system auto-detects the payment method from the crypto currency. ::: :::tip Try it out Test payment intent creation interactively using the [API Simulator](https://merchant-sample.zenpayz.com/). ::: ```json { "amount": 100, "currency": "INR", "paymentMethod": "upi", "customerEmail": "test@example.com", "customerPhone": "+911234567890", "customerFirstName": "Test", "customerLastName": "Customer", "customerCountry": "IN", "description": "Test payment" } ``` ## Response ### Success (201 Created) ```json { "success": true, "data": { "intentId": "pi_1771910100598_prckpcg01", "merchantId": "mer_3630198df5cb479b", "customerId": null, "amount": 100, "currency": "INR", "status": "requires_payment_method", "description": "Test payment", "expiresAt": "2026-02-24T05:20:00.598Z", "estimatedCompletionTime": 30000, "processingFee": 0, "createdAt": "2026-02-24T05:15:00.599Z", "metadata": {}, "paymentPageUrl": "https://checkout.zenpayz.com/pay/pi_1771910100598_prckpcg01?token=pi_1771910100598_secret_csit7h", "routingDecision": { "reason": "Initial routing - will be optimized with customer intelligence", "paymentMethods": ["UPI", "PIX", "FPS"], "supportedCountries": ["IN", "BR", "HK"] } } } ``` ### Error Responses ## Examples ```bash curl -X POST https://api.zenpayz.com/api/v1/payment-intents \ -H "Authorization: Bearer zp_test_xxxxx" \ -H "X-Timestamp: 2026-02-24T05:15:00.000Z" \ -H "X-Signature: a1b2c3d4e5f6..." \ -H "X-Secret-Salt: your_secret_salt" \ -H "Content-Type: application/json" \ -d '{ "amount": 100, "currency": "INR", "paymentMethod": "upi", "customerEmail": "test@example.com", "customerPhone": "+911234567890", "customerFirstName": "Test", "customerLastName": "Customer", "customerCountry": "IN", "description": "Test payment" }' ``` ```javascript const crypto = require('crypto'); const apiKey = process.env.ZENPAYS_API_KEY; const secretSalt = process.env.ZENPAYS_SECRET_SALT; const timestamp = new Date().toISOString(); const body = { amount: 100, currency: 'INR', paymentMethod: 'upi', customerEmail: 'test@example.com', customerPhone: '+911234567890', customerFirstName: 'Test', customerLastName: 'Customer', customerCountry: 'IN', description: 'Test payment', }; const signature = crypto .createHmac('sha256', secretSalt) .update(timestamp + JSON.stringify(body)) .digest('hex'); const response = await fetch('https://api.zenpayz.com/api/v1/payment-intents', { method: 'POST', headers: { 'Authorization': `Bearer ${apiKey}`, 'X-Timestamp': timestamp, 'X-Signature': signature, 'X-Secret-Salt': secretSalt, 'Content-Type': 'application/json', }, body: JSON.stringify(body), }); const result = await response.json(); console.log(result.data.intentId); // pi_1771910100598_prckpcg01 console.log(result.data.paymentPageUrl); // checkout URL ``` ```python import hmac import hashlib import json import os from datetime import datetime import requests api_key = os.environ["ZENPAYS_API_KEY"] secret_salt = os.environ["ZENPAYS_SECRET_SALT"] timestamp = datetime.utcnow().strftime("%Y-%m-%dT%H:%M:%S.000Z") body = { "amount": 100, "currency": "INR", "paymentMethod": "upi", "customerEmail": "test@example.com", "customerPhone": "+911234567890", "customerFirstName": "Test", "customerLastName": "Customer", "customerCountry": "IN", "description": "Test payment", } data = timestamp + json.dumps(body, separators=(",", ":")) signature = hmac.new( secret_salt.encode(), data.encode(), hashlib.sha256 ).hexdigest() response = requests.post( "https://api.zenpayz.com/api/v1/payment-intents", headers={ "Authorization": f"Bearer {api_key}", "X-Timestamp": timestamp, "X-Signature": signature, "X-Secret-Salt": secret_salt, "Content-Type": "application/json", }, json=body, ) result = response.json() print(result["data"]["intentId"]) # pi_1771910100598_prckpcg01 print(result["data"]["paymentPageUrl"]) # checkout URL ``` ```javascript // JavaScript SDK - handles authentication automatically const intent = await zenpays.payments.createPaymentIntent({ amount: 100, currency: 'INR', paymentMethod: 'upi', customerEmail: 'test@example.com', customerPhone: '+911234567890', customerFirstName: 'Test', customerLastName: 'Customer', customerCountry: 'IN', description: 'Test payment', }); console.log(intent.intentId); // pi_1771910100598_prckpcg01 console.log(intent.paymentPageUrl); // checkout URL ``` ## Payment Intent Status | Status | Description | |--------|-------------| | `requires_payment_method` | Awaiting payment method selection | | `processing` | Payment is being processed | | `succeeded` | Payment completed successfully | | `failed` | Payment failed | | `cancelled` | Payment was cancelled | | `expired` | Payment intent expired | ## Next Steps After creating a payment intent: 1. Redirect customer to checkout or confirm payment 2. [Get Payment Intent](/docs/rest-api/endpoints/payments/get-payment-intent) to check status 3. [Confirm Payment](/docs/rest-api/endpoints/payments/confirm-payment) with customer details 4. Set up [Webhooks](/docs/guides/webhooks) for async status updates