Razorpay, PhonePe & Paytm Payments for OpenCart 2.3, 3.x and 4.x — UPI, cards and netbanking in India

Razorpay, PhonePe & Paytm Payments is a payment module for OpenCart 4.x, 3.x and 2.3 that connects the Indian gateways Razorpay, PhonePe and Paytm with your own accounts. The buyer pays on the gateway page by UPI, card, netbanking or wallet, and the OpenCart order is confirmed only when the module has read the payment from the gateway API and checked the amount.

It is one OpenCart payment method with the gateway chosen inside it, so two gateways on one checkout never clash. The free version runs one main gateway, Pro runs up to three side by side.

What the buyer sees

At the payment step the buyer sees the “UPI, cards, netbanking” method with the gateway name. In Pro, with several gateways on, a choice appears under the method: Razorpay, PhonePe or Paytm. Then the buyer goes to the payment page: Razorpay opens its payment window, PhonePe and Paytm take the buyer to their own page.

If the shop runs in dollars or another currency, the buyer sees the amount in rupees at the OpenCart rate. If the payment fails, the buyer sees “The payment did not go through. You can try again.” with a button to pay again, and the order is not confirmed.

What the admin gets

In the module settings you pick the main gateway, enter the test and live keys, the webhook address for the gateway dashboard and the order statuses. The “Check connection” button checks the keys of all three gateways and shows the result right in the settings.

In Pro the order page has a module tab: re-check the payment at the gateway, make a full or partial refund. The payment journal lists every attempt: gateway, amount, gateway payment ID, refunds and the order state. The watchdog checks payments the buyer did not finish on the site, run by cron.

How it works, step by step

1. Pick the main gateway and enter the test keys.
2. Copy the webhook address to the gateway dashboard.
3. The buyer places the order and goes to the payment page.
4. The gateway takes UPI, a card or netbanking.
5. The module reads the payment from the gateway API and checks the amount and currency.
6. Only then the order gets its paid status, with the payment ID in the history.

Under the hood

• Razorpay: Orders API and Standard Checkout, HMAC signature, the payment is read from the order’s payment list.
• PhonePe: PG Standard Checkout v2, the OAuth token is cached until it expires.
• Paytm: initiateTransaction and an auto-submitted form, the checksum follows the official Paytm library.
• None of the three gateways lets a shop close an unpaid payment, so a late payment is never lost: the module takes it into the order or flags it for review.
• A webhook with a secret and a wrong signature is refused, and the decision always rests on the API answer.
• Keys are never written to the log.

How to install

1. Extensions → Installer: upload the archive for your version and keep the file name.
2. OpenCart 2.3: the Installer copies files only with FTP enabled. Without FTP copy the contents of upload/ to the shop root by hand.
3. OpenCart 2.3 and 3.x: Extensions → Modifications → Refresh.
4. Extensions → Payments → Razorpay, PhonePe & Paytm Payments → install button → Edit.
5. Extensions → Payments → Razorpay, PhonePe & Paytm: pick the main gateway and keep test mode.
6. Paste the keys, copy the webhook address to the gateway dashboard, press “Check connection”.
7. Make a test payment, then switch to live mode.
8. For Pro: paste the key or start the 7-day trial.