India Payments for WooCommerce — Razorpay, PhonePe and Paytm: UPI, cards and netbanking

India Payments is a WooCommerce plugin for shops in India that connects three payment gateways: Razorpay, PhonePe and Paytm. The buyer pays on the gateway page by UPI, card, netbanking or wallet, and the money goes to your own gateway account. Switch on one gateway or all three, and the buyer picks one at checkout.

The plugin’s main rule: an order becomes paid only when the gateway API has confirmed the payment. The return link and the webhook only start that check, so a forged return or a lost webhook never turns into a “paid” order without money.

What the buyer sees

At checkout the buyer sees the gateways you switched on, each with a short line: “Razorpay — UPI, cards, netbanking”, “PhonePe — UPI, cards, netbanking”, “Paytm — UPI, wallet, cards, netbanking”. After “Place order” Razorpay opens its payment window, while PhonePe and Paytm take the buyer to their page.

If a UPI payment is still processing, the thank-you page says the shop is waiting for confirmation and refreshes by itself. If the payment fails, the buyer is back on the order payment page with a plain message, the cart is intact and they can try again or pick another method. If the gateway does not answer, the buyer stays at checkout with a message free of technical codes.

What the admin gets

WooCommerce → India Payments shows all three gateways: on or off, the mode, the webhook address for the gateway dashboard and a “Check connection” button. In each gateway’s settings you enter the test and live keys, the webhook secret and the shop name shown in the payment window.

Every payment attempt leaves one order note with the gateway payment ID. If the amount or currency does not match, the order goes on hold with an explanation. In Pro a refund is one button on the order, and the plugin follows its status at the gateway and leaves a loud note if the refund fails.

How it works, step by step

1. Take the test-mode keys in your Razorpay, PhonePe or Paytm dashboard.
2. Enter them in the gateway settings and copy the webhook address to the gateway dashboard.
3. Press “Check connection” and make a test payment.
4. The buyer picks a gateway and pays on its page.
5. The plugin asks the gateway API about the payment and checks the amount and currency.
6. Only then the order becomes paid, with the payment ID in the notes.

Under the hood

• Razorpay: Orders API and Standard Checkout, HMAC signature on the return and the webhook, an authorised payment is captured by the plugin.
• PhonePe: PG Standard Checkout v2, the OAuth token renews itself, the webhook is checked by the SHA256 of the username and password.
• Paytm: initiateTransaction, an auto-submitted form to the Paytm page, checksum and status checked through the API.
• Every payment attempt has its own reference, so a retry after a decline is never mixed up with the earlier one.
• A database lock keeps two processes from marking one payment twice.
• Keys and secrets are stored encrypted and never written to the log.

How to install

1. Plugins → Add New → Upload Plugin: pick the zip and activate.
2. WooCommerce → India Payments: switch on the gateways you need and keep test mode.
3. Paste the keys and the webhook secret, copy the webhook address to the gateway dashboard.
4. Press “Check connection”, make a test payment, then switch to live mode.
5. For Pro: paste the key or start the 7-day trial.

The module is not on wordpress.org yet: the free version and Pro are one archive from this page. Without a key it works as the free version.