Third Party Validation

Learn how to verify customer payments through specific bank accounts using TPV, including multi-bank support for UPI and NetBanking.

For merchants with Third Party Verification (TPV) enabled, Cashfree shares the customer’s bank account details with the issuing bank. The issuing bank verifies that the transaction is processed from the same bank account.

Fill this Support Form or contact your account manager to enable TPV for your account.

To process a TPV payment through Cashfree, include specific customer details in the Create Order API request. During payment authorization, Cashfree verifies these details against the actual payment instrument the customer uses. The required fields are customer_bank_account_number and customer_bank_ifsc, where the IFSC is an alphanumeric code (for example, SBIN000001) that uniquely identifies a bank branch in India.

Implement a TPV-enabled order

To process a payment with bank account verification (TPV), pass the customer account number (customer_bank_account_number) and IFSC (customer_bank_ifsc) with every Create Order request. If you want the order to be processed through NetBanking, also pass customer_bank_code.

cURL request

curl --request POST \
  --url https://sandbox.cashfree.com/pg/orders \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: 2022-09-01' \
  --header 'x-client-id: xxxx' \
  --header 'x-client-secret: xxxx' \
  --data '{
    "customer_details": {
        "customer_email": "[e-mail]",
        "customer_id": "LD09755CSCON10092021",
        "customer_name": "Rohit",
        "customer_phone": "9999911111",
        "customer_bank_ifsc": "CITI0000001",
        "customer_bank_account_number": "1518121112",
        "customer_bank_code": "3044"
    },
    "order_amount": 1,
    "order_currency": "INR"
  }'

Pre-built UI

To process a TPV payment using the pre-built UI, open checkout using the payment_session_id from the Create Order API response. The customer can then complete payment only through their linked account. If the customer attempts to pay from a different account, the payment fails and the order remains in an ACTIVE state.

Custom UI

To process TPV payments using your own UI, integrate either the JavaScript Elements SDK or use the /orders/sessions API. There is no change to the API request. You can read about the API contract here.

TPV with payment links

You can process TPV payments using Payment Links through the Payment Link API, a bulk CSV file upload, or the Cashfree Dashboard.

Bulk upload

When using a CSV file to bulk-create payment links, pass the customer bank details using the Notes columns. Use the following column mapping:

• Note 1: customer_bank_code
• Note 2: customer_bank_account_number
• Note 3: customer_bank_ifsc

The following sample file illustrates the expected format. In this example, Note 1 Title is set to customer_bank_code and the corresponding value appears in Note 1 Description.

Sample CSV

Link Id,Expiry Time,Currency,Amount,Min Amount,Description,Customer Name,Customer Phone,Customer Email,Note 1 Title,Note 1 Description,Note 2 Title,Note 2 Description,Note 3 Title,Note 3 Description,Webhook URL

Order-12zzsa,2023-02-11,INR,22.5,10,Payment for order,John Doe,9999999999,[e-mail],customer_bank_code,3044,customer_bank_account_number,37866911583,customer_bank_ifsc,SBIN0001882,https://cashfree.com/callback-webhook
Order-12zsdca,2023-02-11,INR,22.5,10,Payment for order,John Doe,9999999999,[e-mail],customer_bank_code,3026,customer_bank_account_number,6633835901,customer_bank_ifsc,IDIB000V018,https://cashfree.com/callback-webhook

Payment Link API

To use TPV with the Payment Link API, pass the customer bank details in the customer_details object. See the request and response below for reference.

cURL request

curl --request POST \
  --url https://api.cashfree.com/pg/links \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: 2025-01-01' \
  --header 'x-client-id: xxxx' \
  --header 'x-client-secret: xxxx' \
  --data '{
     "customer_details": {
          "customer_phone": "9908734803",
          "customer_email": "[e-mail]",
          "customer_name": "Rohit",
          "customer_bank_account_number": "78123123",
          "customer_bank_ifsc": "SBIN0000001",
          "customer_bank_code": "3044"
     },
     "link_notify": {
          "send_sms": true
     },
     "link_id": "testlink12354",
     "link_amount": 4,
     "link_currency": "INR",
     "link_purpose": "Test for TPV"
  }'

Multi-bank TPV

Multi-bank TPV allows you to pass up to four customer bank accounts in a single payment request. This gives customers the flexibility to choose their preferred account at checkout, which improves payment success rates. Multi-bank TPV is supported on both UPI and NetBanking.

To pass multiple accounts, use pipe-separated values (|) in the customer_bank_account_number and customer_bank_ifsc fields within the customer_details object. The mapping between accounts and IFSC codes is index-based, so the order of values in both fields must match.

The following example shows a Create Order request with three bank accounts:

"customer_details": {
  "customer_id": "customer_1",
  "customer_email": "[e-mail]",
  "customer_phone": "[phone]",
  "customer_bank_account_number": "1234567891|1234567892|1234567893",
  "customer_bank_ifsc": "SBIN000000001|ICIC000000002|HDFC000000003"
}

Key rules

Follow these rules when passing multiple bank accounts:

• You can pass a maximum of four bank accounts per request.
• The customer_bank_account_number and customer_bank_ifsc fields must contain the same number of pipe-separated values. Account 1 maps to IFSC 1, account 2 maps to IFSC 2, and so on.

UPI

Multi-bank TPV for UPI is supported on select UPI rails. Contact the Cashfree team to get the required rails enabled for your account.

NetBanking

When using multi-bank TPV with NetBanking, do not pass a value in customer_details.customer_bank_code. Cashfree automatically populates the bank list on the checkout page based on the IFSC codes you provide. The checkout page displays both retail and corporate banking options, depending on the modes enabled for your account.

If you pass multiple accounts from the same bank, only the first account is used for TPV.

Fill this Support Form or contact your account manager to enable multi-bank TPV for your account.

Supported banks

The following tables list the banks that support TPV through NetBanking and UPI.

NetBanking supported banks

Sr	Bank code	Bank name
1	3003	Axis Bank
2	3005	Bank of Baroda - Retail Banking
3	3006	Bank of India
4	3007	Bank of Maharashtra
5	3009	Canara Bank
6	3010	CSB Bank Limited
7	3011	Central Bank of India
8	3012	City Union Bank
9	3016	Deutsche Bank
10	3019	Dhanlakshmi Bank
11	3020	Federal Bank
12	3021	HDFC Bank
13	3022	ICICI Bank
14	3023	IDBI Bank
15	3024	IDFC FIRST Bank
16	3026	Indian Bank
17	3027	Indian Overseas Bank
18	3028	IndusInd Bank
19	3029	Jammu and Kashmir Bank
20	3030	Karnataka Bank Ltd
21	3031	Karur Vysya Bank
22	3032	Kotak Mahindra Bank
23	3037	Punjab & Sind Bank
24	3038	Punjab National Bank Retail Banking
25	3039	RBL Bank
26	3040	Saraswat Bank
27	3042	South Indian Bank
28	3043	Standard Chartered Bank
29	3044	State Bank Of India
30	3052	Tamilnad Mercantile Bank Ltd
31	3054	UCO Bank
32	3055	Union Bank of India
33	3058	Yes Bank Ltd
34	3060	Bank of Baroda - Corporate
35	3086	Shivalik Small Finance Bank
36	3087	AU Small Finance Bank
37	3088	Bandhan Bank - Retail Banking
38	3089	Utkarsh Small Finance Bank
39	3090	The Surat Peoples Co-operative Bank Limited
40	3091	Gujarat State Co-operative Bank Limited
41	3092	HSBC Retail NetBanking
42	3097	Cosmos Bank
43	3098	Capital Small Finance Bank
44	3102	Jana Small Finance Bank
45	3115	SBM Bank India
46	3117	The Sutex Co-op Bank Ltd
47	3126	Ujjivan Small Finance Bank
48	3123	Airtel Payments Bank

UPI supported apps

All UPI apps support bank account validation.