Banking Connect

Banking Connect is an enhanced Netbanking experience powered by NBBL (NPCI Bharat BillPay Ltd.) that enables faster, more seamless payments. It supports mobile-first customer journeys alongside traditional browser-based Netbanking flows. Banking Connect creates a single, streamlined integration rail between banks and payment aggregators. This approach improves interoperability, scalability, and consistency whilst retaining the familiar Netbanking experience for customers and merchants.

Current Netbanking experience

Netbanking is widely used for high-value transactions in sectors such as investments, insurance, and education. However, the experience varies significantly across banks:

Customers are redirected to bank web pages even on mobile journeys.
Customers face a multi-step process and hassle to remember user ID password.
Inconsistent bank implementations result in varied checkout experiences.

These factors contribute to higher drop-off rates compared to other payment methods. Refund timelines, complaint handling, and dispute resolution may also vary across banks due to the absence of a unified operating framework. Banking Connect addresses these gaps while keeping existing flows fully supported.

What’s changing with Banking Connect

Banking Connect introduces standardised customer journeys through the NBBL ecosystem using three primary flows.

App-based intent flow (mobile)

Customers authenticate payments directly inside their bank’s mobile app.

Authentication uses biometrics, PIN, or bank app verification, depending on bank support.
Manual credential entry is reduced where supported.

QR code flow (desktop or cross-device)

Customers scan a QR code using their bank’s mobile app.

Authentication and confirmation happen inside the bank app.
This flow bridges desktop checkout and mobile authentication.

Existing Netbanking redirect flows

Traditional browser-based Netbanking flows remain fully supported.

Banking Connect is initially available for non-TPV retail transactions. Support for TPV and corporate Netbanking journeys will be introduced in subsequent phases.

Integration and enablement

To enable Banking Connect flows, reach out to Cashfree support first. We will obtain the necessary credentials from NBBL on your behalf, which typically takes 3–5 working days. Once enabled, choose the integration path below. Choose the following integration path to get started with Banking Connect.

Cashfree Checkout
Seamless or API

No action is required. Banking Connect is gradually rolled out across supported banks. Once enabled, eligible customers automatically see the updated Netbanking flows at checkout.

Banking Connect works with your existing Netbanking integration. Only the Order Pay API requires small changes; the Create Order API stays the same.

API changes overview

Create Order API: No changes required.Order Pay API: Pass the Netbanking channel and netbanking_bank_code in the payment method object:

channel: Use link for redirection, intent for app-based flow, or qr for QR-based flow.
netbanking_bank_code: Use a bank-specific code for link. For intent and qr, use 3136 as a placeholder — since these journeys work across multiple supported banks and the bank through which the customer completes the payment is not known upfront. The payment success webhook and Get Payment API return the actual netbanking_bank_code and netbanking_bank_name used by the customer.

Sample request

The following example calls the Order Pay (sessions) endpoint with Netbanking channel link and a bank code. For intent or QR, set channel to intent or qr and netbanking_bank_code to 3136.

curl --location 'https://sandbox.cashfree.com/pg/orders/sessions' \
--header 'Content-Type: application/json' \
--header 'X-Api-Version: 2021-05-21' \
--header 'X-client-id: 1abcdefg1' \
--header 'x-client-secret: 1abcdefg1' \
--data '{
    "payment_session_id": "session_idabcdefgh234567",
    "payment_method": {
        "netbanking": {
            "channel": "link",
            "netbanking_bank_code": 3021
        }
    }
}'

Sample responses

The response structure depends on the requested channel. The following examples show the main fields returned for each flow.Link (redirect)
The response includes action: "link" and a data.url for redirecting the customer to the bank page.

{
  "action": "link",
  "cf_payment_id": "5114920732939",
  "channel": "link",
  "data": {
    "url": "https://sandbox.cashfree.com/pg/view/gateway/session_...",
    "payload": null,
    "content_type": null,
    "method": null
  },
  "payment_amount": 1.00,
  "payment_method": "netbanking"
}

Intent (app-based)
The response includes action: "custom" and channel: "intent". Use data.payload.default (the intent URL) to open the customer’s bank app.

{
  "action": "custom",
  "cf_payment_id": "5114920732879",
  "channel": "intent",
  "data": {
    "url": null,
    "payload": {
      "default": "nb://pay?ver=1.0&mode=INTENT&orgId=..."
    },
    "content_type": null,
    "method": null
  },
  "payment_amount": 1.00,
  "payment_method": "netbanking"
}

QR
The response includes action: "custom" and channel: "qr". Use data.payload.qrcode (base64 image data) to display the QR code for the customer to scan with their bank app.

{
  "action": "custom",
  "cf_payment_id": "5114920732875",
  "channel": "qr",
  "data": {
    "url": null,
    "payload": {
      "qrcode": "data:image/png;base64,iVBORw0KGgo..."
    },
    "content_type": null,
    "method": null
  },
  "payment_amount": 1.00,
  "payment_method": "netbanking"
}

Customer checkout experience

Mobile flow (intent-based authentication)

On Android

Installed bank apps that support the new journeys are detected using nb:// deep links provided in the Order Pay response.
A native app picker, similar to UPI intent, may appear.

On iOS

Implement bank-specific intent URL handling in your app and show a native bank selection sheet to the customer.
Example intent URL schemes: HDFC Bank hdfcbanknb://, AU aunb://, etc. Yes Bank, Federal Bank, and SBI Bank use their own schemes. Confirm the latest URL schemes with Cashfree before implementing.

Desktop or cross-device flow

To support QR-based authentication:

Display a QR code alongside the traditional Netbanking redirect option.
Customers scan the QR code using a bank mobile app that supports the new journeys.
Authentication and confirmation happen inside the bank app.
Show Bharat Connect branding and supported bank app logos in QR journeys.
Always provide traditional Netbanking redirect as a fallback option.

Recommended interface elements

Use Netbanking (Banking Connect) as the payment method label on paymode selection screen on checkout. Include Powered by NBBL messaging near the QR code and on the intent flow page.

Get help with integration

For implementation guidance, configuration setup, supported bank updates, or rollout timelines, contact Cashfree technical support using the support form.

Payments

Payment Gateway

Checkout

International Payments

Flowwise

RiskShield

Subscription

Other Products

Developer updates

Current Netbanking experience

What’s changing with Banking Connect

App-based intent flow (mobile)

QR code flow (desktop or cross-device)

Existing Netbanking redirect flows

Integration and enablement

API changes overview

Sample request

Sample responses

Customer checkout experience

Mobile flow (intent-based authentication)

Desktop or cross-device flow

Recommended interface elements

Get help with integration

Payments

Payment Gateway

Checkout

International Payments

Flowwise

RiskShield

Subscription

Other Products

Developer updates

​Current Netbanking experience

​What’s changing with Banking Connect

​App-based intent flow (mobile)

​QR code flow (desktop or cross-device)

​Existing Netbanking redirect flows

​Integration and enablement

​API changes overview

​Sample request

​Sample responses

​Customer checkout experience

​Mobile flow (intent-based authentication)

​Desktop or cross-device flow

​Recommended interface elements

​Get help with integration

Current Netbanking experience

What’s changing with Banking Connect

App-based intent flow (mobile)

QR code flow (desktop or cross-device)

Existing Netbanking redirect flows

Integration and enablement

API changes overview

Sample request

Sample responses

Customer checkout experience

Mobile flow (intent-based authentication)

Desktop or cross-device flow

Recommended interface elements

Get help with integration