GPI Service — Payment Initiation

The PayGlocal Payment Initiation (GPI) service is the entry point for processing a payment. Learn the two flows, required data, and sample requests.

What Is GPI?

GPI (PayGlocal Payment Initiation) is the primary API service for initiating a payment transaction. It collects all transaction, payment, and risk data in a single request and returns a redirect URL for your customer to complete the payment.

The GPI service performs:

1. Determining processing attributes and routing for the transaction
2. Validating and processing payment data
3. Risk assessment and transaction classification
4. Setting up standing instructions (if requested)

Two Integration Flows

PayCollect Flow — For Non-PCI DSS Certified Entities

You send minimal transaction data (amount, currency, merchant identifiers). PayGlocal collects card details and preferred payment method directly from the customer on its hosted page.

Endpoint: POST /gl/v1/payments/initiate/paycollect

Minimum required payload:

{
  "merchantTxnId": "23AEE8CB6B62EE2AF07",
  "paymentData": {
    "totalAmount": "89",
    "txnCurrency": "INR"
  },
  "merchantCallbackURL": "https://www.yoursite.com/callback"
}

PayCollect supports Global Alternative Payment Methods (iDeal, Sofort, Trustly, giropay, EPS, bank transfers, wallets, BNPL) for merchants exporting goods/services outside India. For these methods, shippingData.addressCountry and customerData.emailId are required.

PayCollect flow does not support setting up Standing Instructions for cards.

PayDirect Flow — For PCI DSS Certified Entities

Endpoint: POST /gl/v1/payments/initiate

Minimum Required Payload

Full Request Payload

GPI Response

Risk Data Requirements

Network Token / AltID Support

Industry-Specific Data

Next Steps

Get Status Service

Poll transaction status after the GPI call.

Refund Service

Initiate full or partial refunds.

Standing Instructions

Manage recurring mandates.

API Field Reference

Full description of every request and response field.