GPI

PayGlocal Payment Initiate (GPI) — one-step PayDirect sale via POST /gl/v1/payments/initiate.

POST /gl/v1/payments/initiate

PayDirect GPI (request body)

cURL

curl --request POST \
  --url https://api.payglocal.in/gl/v1/payments/initiate \
  --header 'Content-Type: application/json' \
  --header 'x-gl-token-external: <api-key>' \
  --data '
{
  "merchantTxnId": "23AEE8CB6B62EE2AF07",
  "merchantUniqueId": "IFNN939494NJFJ",
  "paymentData": {
    "totalAmount": "10.00",
    "txnCurrency": "INR",
    "cardData": {
      "number": "4111111111111111",
      "expiryMonth": "05",
      "expiryYear": "2026",
      "securityCode": "111"
    },
    "billingData": {
      "firstName": "John",
      "lastName": "Doe",
      "addressStreet1": "221B Baker Street",
      "addressCity": "Bengaluru",
      "addressCountry": "IND",
      "emailId": "[e-mail]",
      "callingCode": "+91",
      "phoneNumber": "9999999999"
    }
  },
  "merchantCallbackURL": "https://api.prod.payglocal.in/gl/v1/payments/merchantCallback"
}
'

200

{
  "gid": "gl_o-a057c4d6b6c620741apzp0ZX2",
  "status": "INPROGRESS",
  "message": "Transaction Created Successfully",
  "timestamp": "02/06/2026 21:47:33",
  "reasonCode": "200",
  "data": {
    "redirectUrl": "https://api.uat.payglocal.in/gl/payflow-ui/?x-gl-token=example",
    "statusUrl": "https://api.uat.payglocal.in/gl/v1/payments/gl_o-a057c4d6b6c620741apzp0ZX2/status?x-gl-token=example",
    "merchantTxnId": "23AEE8CB6B62EE2AF07"
  },
  "errors": null
}

What is GPI?

GPI (PayGlocal Payment Initiate) is the API call that starts a PayDirect payment. You send transaction and card (or token) data in one request; PayGlocal returns a gid and a redirectUrl. Send the customer to that URL to complete 3DS, then read the outcome from your callback or the status API.

---

Supported payment methods

Method	Domestic	International
Cards	✓	✓
Apple Pay	—	✓

PayDirect GPI does not support UPI, net banking, or global alternative payments — use GPI for those.

Notes

• In Request body → paymentData, send cardData or tokenData (exactly one is mandatory).

---

API

Method	POST
Path	/gl/v1/payments/initiate
Production	https://api.payglocal.in/gl/v1/payments/initiate
Sandbox	https://api.uat.payglocal.in/gl/v1/payments/initiate

GPI, on-demand SI, auto-debit, and authorize all call this path. Only the JSON request body differs.

---

Headers

Header	Mandatory	Description
Content-Type	Yes	application/json
x-gl-token-external	Yes	RSA-signed JWS of the request body (see Key Management)
x-gl-merchantid	Yes	Your PayGlocal merchant ID (MID)
x-gl-kid	Yes	Key ID of the private key used to sign the JWS

Sign the JSON from Request body below as the JWS in x-gl-token-external, then POST to the URL above.

Next steps

Step	API
Confirm outcome	Get transaction status
Refund (after capture)	Refund

Authorizations

x-gl-token-external · string · header · required

RSA-signed JWS (JSON Web Signature) token carrying the request payload.

• Header: { "alg": "RS256", "kid": "<merchant-key-id>", "iss": "<merchant-id>", "x-gl-enc": "false", "is-digested": "true" }
• Payload: the exact JSON body sent in the request (or its SHA-256 digest when is-digested=true).
• Signed with the merchant's RSA private key; PayGlocal verifies with the matching public key.

Body

application/json

GPI one-step sale (no mandate, no auth-only flag).

merchantTxnId · string · required

Merchant's unique transaction identifier. Alphanumeric only.

Required string length: 4 - 50

Example:

"23AEE8CB6B62EE2AF07"

merchantCallbackURL · string<uri> · required

Customers are redirected here post payment completion.

Example:

"https://api.prod.payglocal.in/gl/v1/payments/merchantCallback"

paymentData · Card data · object · required

Payment instrument and amount for PayDirect initiate. Either option 1 (cardData) or option 2 (tokenData) — not both.

Card data

Token data

Show child attributes

merchantUniqueId · string

Optional stable merchant-side ID for idempotency and reconciliation. Alphanumeric only.

Required string length: 15 - 40

Example:

"IFNN939494NJFJ"

riskData · object

Recommended for fraud checks and processor compliance.

Show child attributes

Response

200

application/json

Returned immediately from initiate. Redirect the customer to data.redirectUrl, then poll data.statusUrl or Get Transaction Status. A successful GPI card sale usually reaches SENT_FOR_CAPTURE. No mandateId in data.

Response envelope for PayDirect initiate (200). GPI and auth-only — data does not include mandateId. No fields in this envelope are marked required.

gid · string

PayGlocal transaction ID. Use for status, capture, and refund APIs.

Example:

"gl_o-a057c4d6b6c620741apzp0ZX2"

status · string

High-level status. Typically INPROGRESS immediately after initiate.

Example:

"INPROGRESS"

message · string

Human-readable status message.

Example:

"Transaction Created Successfully"

timestamp · string

Response timestamp (DD/MM/YYYY HH:MM:SS).

Example:

"02/06/2026 21:47:33"

reasonCode · string

Success code on initiate (e.g. 200). See 4xx responses for error codes.

Example:

"200"

data · object

data on a successful PayDirect initiate (200). GPI and auth-only responses use this shape (no mandateId). No response fields are marked required — typical GPI payloads include redirectUrl, statusUrl, and merchantTxnId.

Show child attributes

errors · object

null on success.

Show child attributes