Smart Payment Gateway

What's in store for you?

Exclusive Benefits

  • A Unified Payment Platform Enabling merchants to accept 150+ payment methods including domestic & International ( credit/debit cards ), EMIs ( cardbased & cardless), BuynowPaylater (BNPL), Net-Banking , UPI & digital wallets

  • Built for performance: 99.99% uptime, robust scalability and highest level of security & compliance

  • Frictionless check-out experience for customers Payment retries, OTP auto-read & Skip CVV

  • Accelerated integration With robust developer tools and a dedicated tech buddy

  • Dedicated merchant helpdesk for faster query resolution

  • Insightful analytical dashboard To ease operations, track real time transaction performance and empower data-driven decisions

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Get Started

  • Keep these handy for a smooth sign-up:
  • Business Registration Proof: Business registration proof based on the constitution of your business are required.
  • KYC Documents: KYC documents (both identity proof and address proof) to verify your details.
  • To get started with the technical integration, please refer to our Developer Docs.
    a. For integration using kits, the supported backend languages are - Java, PHP, Dot Net, Node JS
    b. Integration using APIs is language agnostic.
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Know More About SmartGATEWAY

Holistic Payment Solutions

  • Collect payments from your customers on website/App and remote collection via payment links.
  • Solutions for all channels of payments such as Website, Apps, mWeb etc.
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Maximise your Conversions

  • Never lose a customer with over 150 payment methods, including all major cards, wallets, net banking, UPI, and QR-based payments.
  • International Card Acceptance, Multi-currency converter (MCC) with 22+ currencies.
  • Make high-value products/services accessible to customers with options like card EMIs and Cardless EMI.
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Security and compliance

  • Prevent fraud with a PCI-DSS compliant platform fortified to ensure secure transactions. 
  • Minimise chargebacks with 24/7 risk monitoring. 
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Efficient integration

  • Quick and reliable integration with secured APIs and super-light SDKs.
  • Intuitive, Plug-and-play solution and simple developer documentation make the integration process smooth and swift.
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Customer satisfaction

  • Minimal steps to complete card and UPI transactions that make payments journey delightful.
  • One-Click Card Payments powered by auto OTP reading for a fast and simple checkout for customers.
  • An intuitive checkout page, which displays preferred and saved payment modes, enhancing customer experience.
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Operational excellence

  • Best-in-class transaction success rates with dynamic routing between payment gateways.
  • Reduce customer drop-offs for failed transaction with a Payment retry features.
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Data-driven insights

  • Real-time transaction data and in-depth customer behavior insights with Machine Learning powered analytics dashboard.
  • Enhance business efficiency, improve success rates, and reduce costs, by informing strategic decisions with actionable insights.
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Remote payment flexibility

  • Collect payments remotely via SMS, email & WhatsApp and expand your business reach.
  • Get insights into customer engagement and conversion rates with detailed analytics on payment links.
  • Start collecting payments with smartly designed payment forms.
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Customer engagement

  • Run personalised and sponsor-driven Offers to drive user growth with configurable offer engine.
  • Support multiple languages and all devices to a diverse customer base, ensuring no customer is left behind due to language or device barriers.
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Merchant Benefits Customer Benefits
  • Dynamic routing between payment gateways ensures high success rates and payment retries convert failed transactions to successful.
  • SmartGATEWAY's developer portal has an easy, step-by-step guide to make integration smooth and fast. To access click here
  • SmartGATEWAY's PCI-DSS compliant platform comes with 24/7 risk monitoring, advanced fraud detection, and prevention tools, safeguarding each transaction
  • Quick and Reliable integration: SmartGATEWAY provides quick integration with secured APIs and super-Light SDKs, along with a simple developer portal so that your business can move fast.
  • Your Customers enjoy a frictionless checkout experience with single-click payments, auto OTP submission, and saved payment preferences.
  • The platform's extensive payment options, including EMIs and BNPL services provide customers with financial flexibility.
  • SmartGATEWAY's checkout interface supports multiple languages and device form factor compatible pages ensure that all customers can transact comfortably

 

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About SmartGATEWAY

HDFC Bank SmartGateway is a secure and efficient payment gateway designed to streamline digital transactions for businesses. It supports multiple payment methods, including cards, wallets, UPI, and net banking, ensuring high success rates. PCI-DSS compliance, fraud prevention, and real-time analytics enhance customer experience and operational efficiency.

Additional Features

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Merchant Benefits

  • Dynamic routing between payment gateways ensures high success rates and payment retries convert failed transactions to successful.
  • SmartGATEWAY's developer portal has an easy, step-by-step guide to make integration smooth and fast. To access click here -https://smartgateway.hdfcbank.com/docs/?category=checkout
  • SmartGATEWAY's PCI-DSS compliant platform comes with 24/7 risk monitoring, advanced fraud detection, and prevention tools, safeguarding each transaction
  • Quick and Reliable integration: SmartGATEWAY provides quick integration with secured APIs and super-Light SDKs, along with a simple developer portal so that your business can move fast.
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Customer Benefits

  • Your Customers enjoy a frictionless checkout experience with single-click payments, auto OTP submission, and saved payment preferences. 
  • The platform's extensive payment options, including EMIs and BNPL services provide customers with financial flexibility. 
  • SmartGATEWAY's checkout interface supports multiple languages and device form factor compatible pages ensure that all customers can transact comfortably
Card Reward and Redemption

Recur Pay Suite – UPI Auto Pay, SI On cards

Automate recurring payments using cards and UPI effortlessly

  • Enable automatic recurring payments on cards and UPI seamlessly.
  • Ideal for subscriptions, utility bills, and EMI collections.
  • Reduce churn with timely, uninterrupted payment schedules.
  • Fully compliant with RBI e-mandate guidelines
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Dynamic currency conversion

  • Let international customers pay in their local currency with complete transparency
  • Offer customers the choice to pay in their home currency at checkout.
  • Boost international conversion rates with transparent pricing.
  • Real-time FX rates for accurate and compliant transactions.
  • Enhance global user experience and drive higher sales.
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Payment Links

  • Quick and easy way to collect payments with or without website integration
  • Create and share payment links instantly—no website required.
  • Collect payments via SMS, email, or messaging apps with ease.
  • Real-time tracking and automated reminders for faster conversions.
  • Best suited for remote collections, social commerce, and on-demand payments.
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Payment Forms

  • Pre-built, customizable forms to collect payments instantly across all channels
  • Ready-to-use, customizable payment forms for quick merchant onboarding.
  • Accept payments via cards, UPI, NetBanking and more.
  • No-code integration that simplifies checkout setup for businesses.
  • Secure and responsive forms tailored for every device and use case.
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Offer Engine

  • Drive higher conversion with personalized and real time payment offers and discount
  • Create dynamic offers based on Bank, Card Type, UPI & More
  • Instantly configure discounts and No cost EMI campaigns
  • Target promotions by customer segments , transaction, size or channel
  • Real-time validation and redemption at checkout to boost conversion
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Native OTP Experience

  • Frictionless and secure in-app authentication to boost payment success rates
  • Enhance payment success rates with seamless in-app authentication.
  • Eliminate page redirections with OTP experience embedded in checkout.
  • Ensure higher security and faster checkouts through native flow.
  • Deliver a superior user experience that reduces transaction drop-offs.
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Frequently Asked Questions

The SmartGATEWAY platform is a unified solution that integrates various payment methods, including those from HDFC Bank and its partners, into a single, cohesive system. It simplifies processes for merchants by providing a single point of integration, making it easier to manage transactions, reporting, and analytics across multiple payment channels.

SmartGATEWAY supports 150+ payment methods, including Domestic and International Cards (Debit/Credit), EMIs, BNPL, NetBanking, UPI, and wallets. Built for 99.99% uptime with PCI-DSS security, it ensures reliable transactions. Customers enjoy frictionless checkout with OTP auto-read, skip-CVV, and payment retries, while merchants benefit from quick integration, a dedicated tech buddy, responsive support, and real-time analytics to drive smarter decisions.

The SmartGATEWAY platform offers numerous benefits, including streamlined payment processes, enhanced transaction security, comprehensive reporting, and increased flexibility to support a variety of payment methods. These features contribute to improved customer satisfaction, reduced operational costs, and enhanced overall efficiency.

The SmartGATEWAY platform supports over 150 payment methods, including HDFC Bank’s own payment options, as well as additional methods offered by its partners. This ensures that you are able to provide your customers with their preferred payment options.

Integration with the HDFC Bank Payment Gateway platform is straightforward. Detailed documentation, APIs, and SDKs are provided to assist your technical team. Additionally, our support team is available to guide you through each step of the integration process, ensuring a smooth implementation.

Yes, security is a top priority. The platform is built with advanced security features, including encryption, fraud detection mechanisms, and compliance with industry standards such as PCI-DSS.

By consolidating multiple payment systems into a single platform, the HDFC Bank Payment Gateway significantly reduces the complexity and time required to manage various payment channels. This leads to faster transaction processing, simplified reconciliation, and streamlined reporting.

The HDFC Bank Payment Gateway platform offers comprehensive reporting and analytics tools, providing real-time insights into your transactions. You can monitor key performance indicators, generate detailed reports, and use data-driven insights to support informed business decisions.

Extensive support is available throughout the implementation phase, including access to technical documentation, training resources, and a dedicated support team. Following implementation, our customer support team remains available to address any queries or issues that may arise.

The HDFC Bank Payment Gateway platform is designed to facilitate international payments. It enables the processing of transactions in multiple currencies and ensures compliance with applicable international regulations.

The cost of using the Payment Gateway platform varies based on the features selected. Flexible pricing plans are available to suit businesses of different sizes. Our sales team can provide a detailed quotation tailored to your specific requirements.

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Take a look at our Success Stories

"We are impressed with SmartGATEWAY, which offers a significantly better experience compared to earlier solutions provided by others. The user interface is improved, easy to navigate and the transaction analytics tab helps us get immediate insights with report segments that aid in quick summary generation for tracking and accounting. Additionally, the security and response time which were already good, have further improved with the 2FA sign-in. Overall, we had a very positive experience with the integration support as well. "

Travel Designer Group

"Our onboarding experience with SmartGATEWAY was smooth and easy to get started. It had all the required integrations available useful to us like the Refund API, Customised report with convenience fee details etc., allowing our operations to continue without any impact. SmartGATEWAY has been reliable with excellent uptime and transaction speed. The Bank's support team has been very responsive and supportive when needed, providing timely and effective responses to our queries. We have also had a noticeable improvement in the transaction success rates and cart abandonment, and thus we can confidently recommend SmartGATEWAY to others due to its ambitious approach and potential to emerge as a strong alternative to existing aggregators. In one word, SmartGATEWAY has been "Really Smart".

Star Health

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