Get Bank List API

The Bank List API retrieves available banks and payment options for a merchant, requiring a Base64-encoded merchant domain and an optional payment mode filter. It returns a JSON response with details like bank codes, names, transaction limits, and EMI plans for a successful request.

POST

https://kraken.airpay.co.in/airpay/pay/v4/api/banks/?token=<access_token>

Request Body

Parameter	Type Value	Description	Value Like
mer_dom required	Alphanumeric (10)	Base64 encoded merchant domain.	aHR0cDovL2xvY2FsaG9zdA==
chmod optional	Chars	Payment Mode ppc - prepaid card pg - payment gateway nb - Netbanking cash - Cash emi - EMI upi - UPI btqr - Bharat QR payltr - Pay later va - Virtual account enach - eNACH chmod variable contains Payment Modes available for user. for e.g. If you want to show only Credit Card/Debit Card, then value of the chmod variable will be “pg”. If you want Netbanking and Prepaid card then value of the chmod variable will be “nb_ppc”. If you want to show all payment options activated for you at airpay, then leave this variable blank. Allowed values: pg, ppc, nb, cash, emi, upi, btqr, payltr, va and enach.	pg

Success 200

Parameter	Type Value	Description	Value Like
chmod required	Alphanumeric	Channel of Payment.	emi
channel_name required	Alphanumeric	Channel of Payment.	EMI
title required	Alphanumeric	Channel of Payment.	EMI
description required	Alphanumeric	Description of Channel of Payment.	Pay with EMI
banks optional	Chars	[ { “bank_code”: “HDFCEMI”, “bank_name”: “HDFC”, “min_amount”: "", “max_amount”: "", “plans”: { “credit”: [ { “tenure_id”: 7, “tenure”: 3, “interest_percentage”: 3, “min_amount”: 1, “max_amount”: 1000 } ] } }, { “bank_code”: “EPAYLTR”, “bank_name”: “EPAYLATER”, “min_amount”: “1.00”, “max_amount”: “1000.00” } ] bank_code - BANK_CODE bank_name - BANK_NAME min_amount - Min allowed amount max_amount - Max allowed amount tenure_id – Tenure ID For emi tenure – emi tenure interest_percentage – emi interest percentage min_amount – min allowed amount for a plan max_amount - max allowed amount for a plan	json array with values

PHP

<?php

$mercid = <merchant_id>;
$username = <username>;
$password = <password>;
$secret = <secret>;
$client_id = <client_id>;
$client_secret = <client_secret>;

$privatekey = hash('SHA256', $secret . '@' . $username . ":|:" . $password);
$request = array();

$data = [];
$data['mer_dom'] = base64_encode('http://localhost');
$data['chmod'] = 'ppc';

$tokenUrl = "https://kraken.airpay.co.in/airpay/pay/v4/api/oauth2";
$request['client_id'] = $client_id;
$request['client_secret'] = $client_secret;
$request['grant_type'] = 'client_credentials';
$request['merchant_id'] = $mercid;

$secretKey = md5($username . "~:~" . $password);
$encre = aes256encrypt(json_encode($request), 'aes-256-cbc', $username, $password);
$req = [
    'merchant_id' => $mercid,
    "encdata" => $encre,
    "checksum" => checksumcal($request)
];

$access_token = sendPostData($tokenUrl, $req);
$decryptData = decrypt(json_decode($access_token, true), $secretKey);
$tokenResponse = json_decode($decryptData, true);

if ((isset($tokenResponse['success']) && !$tokenResponse['success']) || empty($access_token) || empty(trim($access_token))) {
    echo $tokenResponse['msg'];
    exit;
}

$accessToken = $tokenResponse['data']['access_token'];

$checksumReq = checksumcal($data);
$dataJson = json_encode($data);
$request_data =
    [
        'encdata' => aes256encrypt($dataJson, 'aes-256-cbc', $username, $password),
        'merchant_id' => $mercid,
        'privatekey' => $privatekey,
        'checksum' => $checksumReq
    ];
$response = sendPostData('https://kraken.airpay.co.in/pay/v4/api/banks/?token=' . $accessToken, $request_data, 'POST');
$responseArr = json_decode($response, true);
$encdata = $responseArr['response'];

$iv = substr($encdata, 0, 16);
$encdata = substr($encdata, 16);
$decrypted_data = openssl_decrypt(base64_decode($encdata), 'aes-256-cbc', $secretKey, $options = OPENSSL_RAW_DATA, $iv);
$result = json_decode($decrypted_data);
echo json_encode($result);

function aes256encrypt($data, $cipher = 'aes-256-cbc', $username, $password)
{
    $key = md5($username . "~:~" . $password);
    $iv = bin2hex(openssl_random_pseudo_bytes(8));
    $encrypted = openssl_encrypt($data, $cipher, $key, $options = OPENSSL_RAW_DATA, $iv);
    $encryptedData = base64_encode($encrypted);
    return $iv . $encryptedData;
}
function sendPostData($tokenUrl, $postData)
{
    $ch = curl_init($tokenUrl);
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
    curl_setopt($ch, CURLOPT_POST, true);
    curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, false);
    curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, 0);
    curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($postData));
    $response = curl_exec($ch);
    curl_close($ch);
    return $response;
}
function checksumcal($postData)
{
    ksort($postData);
    $data = '';
    foreach ($postData as $key => $value) {
        $data .= $value;
    }
    $data = $data . date('Y-m-d');
    $checksum = hash('SHA256', $data);
    return $checksum;
}
function decrypt($requestData, $secretKey)
{
    $data = $requestData['response'];
    error_log("sk encdata" . $requestData['response'] . "secret" . $secretKey);
    $iv = substr($data, 0, 16);
    $encryptedData = substr($data, 16);
    $raw = openssl_decrypt(base64_decode($encryptedData), 'AES-256-CBC', $secretKey, OPENSSL_RAW_DATA, $iv);
    return $raw;
}

Success Response

{
    "status_code": "200",
    "response_code": "00",
    "status": "success",
    "message": "success",
    "data": [
        {
            "chmod": "ppc",
            "channel_name": "PPC",
            "title": "Wallet",
            "description": "Pay with your digital wallet for quick transactions.",
            "banks": [
                {
                    "bank_code": "AMAZON",
                    "bank_name": "AMAZONPAY",
                    "min_amount": "1.00",
                    "max_amount": "100000.00"
                },
                {
                    "bank_code": "HDFCPP",
                    "bank_name": "HDFC",
                    "min_amount": "1.00",
                    "max_amount": "100000.00"
                },
                {
                    "bank_code": "MOBIKWIK",
                    "bank_name": "MOBIKWIK",
                    "min_amount": "1.00",
                    "max_amount": "200000.00"
                },
                {
                    "bank_code": "MPSA",
                    "bank_name": "MPESA",
                    "min_amount": "1.00",
                    "max_amount": "10000.00"
                },
                {
                    "bank_code": "PHONEPE",
                    "bank_name": "PHONEPE",
                    "min_amount": "1.00",
                    "max_amount": "500000.00"
                }
            ]
        }
    ]
}