Commercial Bank Merchant IPG • India
HDFC Bank SmartGateway Integration
Direct acquiring bridge connecting HDFC Bank SmartGateway\'s merchant portal and internet payment gateway into your store or application.
Underlying Engine: Proprietary In-HouseAPI: HDFC Juspay HyperSDK / Direct REST API
Bank Gateway Specialist
Have HDFC Bank SmartGateway Credentials?
Connect with our payment developer to review your bank credentials and API manual.
Or Request Fixed-Price Scope ↓Bank Architecture & Integration Scope
HDFC Bank is India's premier private sector bank. SmartGateway provides enterprise merchants with direct acquiring, UPI integration, RuPay support, and native EMI plans with superior success rates.
Technical Specifications & Protocols
| Core Gateway Engine | Proprietary In-House |
| Integration Options | Checkout JS Drop-in • UPI Deep-link Intent • Direct S2S API |
| Callback & Signature Security | SHA-256 Webhook Signature Validation |
| Currency Support | INR (Indian Rupee) + Multi-currency export |
| Merchant Settlement Cycle | T+1 settlement into HDFC Current Account |
| 3DS2 Authentication | ✅ Full EMV 3-D Secure 2.x Frictionless & Challenge Support |
Prerequisites Required From HDFC Bank SmartGateway
1HDFC SmartGateway Merchant ID
2Public & Private API Keys
3Test Merchant Sandbox Portal Access
Bank UAT Sign-Off & Live Launch Protocol
Most commercial banks mandate a completed User Acceptance Testing (UAT) sign-off sheet before they generate live production API credentials. We handle this process completely for you:
- Executing successful 3DS authorization with bank test cards
- Simulating bank card declines (insufficient funds, expired card, blocked BIN)
- Simulating canceled checkout sessions and back-button handling
- Verifying webhook server-to-server callback response (HTTP 200 with valid signature)
- Executing test refund transaction in bank test portal
- Submitting proof of transactions to the bank\'s technical onboarding desk
HDFC Bank SmartGateway Project Scope
We develop custom plugins for WooCommerce, Laravel, Magento, and bespoke custom applications directly for HDFC Bank SmartGateway.
Delivery in 3 - 5 business days
PCI-DSS SAQ A scope architecture
Client live connection verification
Free Architectural Review
Request Custom Integration Scope
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