Wednesday, March 7, 2012

BillDesk Payment Gateway Integration with Asp.Net


Now-a-days online shopping websites has become very popular, and to handle the secure Payment transactions, these are relying on popular third part Payment gateways like Billdesk, paypal etc.

BillDesk is the Payment Transaction Interface which allows the secure payment through Credit card/Online  Banking transaction.

Step-by-step Transaction Process:
a.       Customer logs-in at the merchant website, chooses the product/service that he intends to purchase.
b.      Customer then decides to make payment at merchant’s website.
c.       Merchant website will log the order by generating a Unique Order Number; and establish a connection with the BillDesk Payment Gateway Interface [refer the section on Payment Request].
d.      At the BillDesk Payment Gateway; the customer is displayed with various ‘payment options’ that the customer can use. These would include – Credit Card; Online Net Banking.
e.      Customer chooses the payment option at BillDesk Payment Gateway, and is taken to the page of that specific bank [if Netbanking option is chosen]. Customer then enters the relevant authentication details [ie, User ID/ Card Number/ Password] at the bank’s website; and then is requested to confirm the payment amount.
If the customer chooses to pay using Credit card then a payment page with the look and feel of the merchant is displayed for the user to make a payment.
f.        Customer’s account is debited and the Customer is then directed back to the designated Return URL [RU] at Merchant website.
g.       The BillDesk Payment Gateway will provide the return response to the designated Merchant return URL received in the initial transaction request. Merchant can use this response to update its system and display to the customer that the payment process was successful.
h.       BillDesk payment gateway also generates a unique Transaction ID against each order number that is received – this could be displayed to the customer; and used for any queries relating to the transaction.
Payment Request:
After the customer clicks on PAY [within Merchant website], a request  
needs to be generated by Merchant to following BillDesk URL for each 
payment with the parameters indicated:
[The above URL is for example purpose only. And will be unique for each Merchant.]

A brief explanation of these parameters is below:
Parameter Name
Sample Value
Order Number
Total value of Transaction Rs.Ps.
Identity of Merchant website with Billdesk
INR or USD or GBP or EUR
Kerela Backwaters
Arrival Date
Depature Date
Return URL – this dynamic return URL of the merchant where the online return response has to be received for that transaction
Note: Parameters are case sensitive.


<form name=’abc’ method='POST'  
  <input type='hidden' name='txtCustomerID' value='1073234'>
  <input type='hidden' name='txtTxnAmount' value='2400.30'>
  <input type='hidden' name=' txtAdditionalInfo1' value='  
    Identity of Merchant website with Billdesk '>
  <input type='hidden' name=' txtAdditionalInfo2' 
  <input type='hidden' name=' txtAdditionalInfo3'      
    value='Kerala Backwaters'>
  <input type='hidden' name=' txtAdditionalInfo4' value='25-
  <input type='hidden' name=' txtAdditionalInfo5' value='28-
  <input type='hidden' name=' txtAdditionalInfo6' value='2'>
  <input type='hidden' name=' txtAdditionalInfo7' value='1'>
  <input type='hidden' name='RU' 
Secure BillDesk URL
Always use “https” for the BillDesk URL where the request will
be posted.
POST method
* Always Use “POST” method
* Variables must be sent as HIDDEN values
Referral URL
Always call the BillDesk production URL from the Referral URL
only; which needs be shared at the time of integration.
Length of parameters
Each parameter field should not be more than 120 characters.
A ‘NULL’ value will not be accepted for any parameter.
Disallowed characters
Special characters are disallowed in the parameters that are
sent to BillDesk. For example:
Transaction Amount
During the test phase of the integration, only Rs. 2 can be
used as a transaction amount.
Parameter Name
Parameter names (sent to BillDesk) are case-sensitive
Payment Response
Once the Payment transaction is done in the Billdesk website, the payment response is sent to the Return URL [RU] specified dynamically by Merchant for each transaction.

This response is the “Form submit” and can be retrieved by – Request.Form[“msg”]
Response Message description:
For example, suppose the Response message for a particular transaction is as follows:
MAHINDRAID|c7b9b0|MEPG9999999999|200911106652263|7800.00|EPG|NA|NA|INR|DIRECT|NA|NA|NA|10-11-2009 11:00:56|0300|NA|HOMESTAYS|INR|BBEstate-Coorg-Karnataka|17-Nov-09|20-Nov-09|3|1|NA|Transaction Successful|717696825
Please note – MERCHANTID and the CHECKSUM KEY would be provided at the time of
Payment updation process at Merchant end
The following process should be followed at Merchant end for receiving and processing the
payment response:

                          I.      Receive and Read the Payment Response message – msg at the Return URL

                        II.      Generate the ‘checksum value’ for the Payment Response and validate it with the ‘checksum value’ received in the Payment Response. If they match; proceed to step (c) below; else display a Payment Rejection message to the customer.

                      III.      Update the original record in the merchant system based on the ‘AuthStatus’ field received in the Payment Response. Refer the table below for various values that are received in the AuthStatus field, and the related Transaction Status. The updation to
the original record must be done as follows:

Successful transaction [AuthStatus – 0300]

1073234’ and TRANSACTIONAMOUNT=’2400.30’

Failure transaction [AuthStatus – other than 0300]

1073234’ and TRANSACTIONAMOUNT=’2400.30’

                      IV.      The above updation process ensures the following:
i)   Only the original record is updated [through the Unique Order 
ii)  The record is updated only once [for original status=PENDING]
iii) The record is updated for the same ‘Transaction Amount’ that was 
initiated by the merchant.
Authorization status:
Status Reason
Proposed Transaction Status
Successful Transaction
Invalid Authentication at Bank
Cancel Transaction
Invalid Input in the Request Message
Cancel Transaction
Billdesk waiting for the response from bank
Cancel Transaction
Error at Billdesk
Cancel Transaction
For all AuthStatus that is not a Success, an ErrorDescription would be provided in the Payment Response.
Checksum Validation
Always validate the checksum before updating the transaction
Verify whether the
updation is as per the
process specified in
the interface
Only the original record is updated [through the Unique Order Number]
The record is updated only once [for original status=PENDING]
The record is updated for the same ‘Transaction Amount’ that was initiated by the merchant.
Sample Code:
In the Merchant website, the Page use the “Post method” to send the variables to the Billdesk website

<head id="Head1" runat="server">
<script type="text/javascript">
    function myfunc ()
    var frm = document.all("form2");
    window.onload = myfunc;
    <form id="form2" method="post" action=" Paymentoption.jsp" name="form2">
        <input type="hidden" name="txtCustomerID" 
               value="<%=Request("txtCustomerID")%>" />
        <input type="hidden" name="txtTxnAmount" 
               value="<%=Request("txtTxnAmount")%>" />
             <input type="hidden" name="txtAdditionalInfo1" 
                    value="<%=Request("txtAdditionalInfo1")%>" />

        <input type="hidden" name="txtAdditionalInfo2" 

               value="<%=Request("txtAdditionalInfo2")%>" />
        <input type="hidden" name="txtAdditionalInfo3" 
               value="<%=Request("txtAdditionalInfo3")%>" />
        <input type="hidden" name="txtAdditionalInfo4"                
               value="<%=Request("txtAdditionalInfo4")%>" />
        <input type="hidden" name="txtAdditionalInfo5" 
               value="<%=Request("txtAdditionalInfo5")%>" />
        <input type="hidden" name="txtAdditionalInfo6" 
               value="<%=Request("txtAdditionalInfo6")%>" />
        <input type="hidden" name="txtAdditionalInfo7" 
               value="<%=Request("txtAdditionalInfo7")%>" />
        <input type="hidden" name="RU"          value="" />

Once the Payment is done, the Bill Desk webiste posts the Response string to the Merchant website, in the form of a variable ie; “msg”.

The following sample code to be written to receive the response variable from the Billdesk website.

string _paymentResp = Request.Form["msg"];                      
string[] arrResponse = _paymentResp.Split('|'); //PG
     string merchantId = arrResponse[0];
     string _customerId = arrResponse[1];
     string txnReferenceNo = arrResponse[2];
     string bankReferenceNo = arrResponse[3];
     string txnAmount = Convert.ToDecimal(arrResponse[4]);
     string bankId = arrResponse[5];
     string bankMerchantId = arrResponse[6];
     string txnType = arrResponse[7];
     string currency = arrResponse[8];
     string itemCode = arrResponse[9];
     string securityType = arrResponse[10];
     string securityId = arrResponse[11];
     string securityPassword = arrResponse[12];
     string txnDate = arrResponse[13]; //dd-mm-yyyy
     string authStatus = arrResponse[14];
     string settlementType = arrResponse[15];
     string additionalInfo1 = arrResponse[16];
     string additionalInfo2 = arrResponse[17];
     string additionalInfo3 = arrResponse[18];
     string additionalInfo4 = arrResponse[19];
     string additionalInfo5 = arrResponse[20];
     string additionalInfo6 = arrResponse[21];
     string additionalInfo7 = arrResponse[22];
     string errorStatus = arrResponse[23];
     string _errorDescription = arrResponse[24];


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Anonymous said...

in response from bill desk i am receiving err120.
but i never got its description any where... any buddy know about it?

Hemlata said...

Where do we need to set the urls and Paymentoption.jsp? Will it be given by billdesk to the Merchant or merchant needs to set this by logging in billdesk website? Please confirm.


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sachin said...

how to get response "msg" from billdesk to the android app.pls help me to fix this issue.payment is working properly.amount is getting debit.but iam not able to get "msg" response string, thank you.

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Thanks for sharing the useful blog about BillDesk Payment Gateway Integration with Asp.Net. The concept is nicely explained with Source Code.

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