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The Payment Method Eligibility feature allows you to specify which payment methods are available to customers during a transaction, letting you restrict customer payment options to a selected subset from all the available payment methods.

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Supported payment methods

Payment method eligibility is widely used for the cards payment method, supporting a range of card types:
  • Credit cards
  • Debit cards
  • Prepaid cards
  • Credit card EMI
  • Debit card EMI

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Configuring eligibility

Payment eligibility is defined at the order level using the payment_methods_filters parameter in the Create Order API request. This allows for fine-tuned control over which payment methods are available for each transaction.

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Sample configuration

The following example demonstrates how to configure payment eligibility using the payment_methods_filters parameter.
You can customise this filter by choosing specific payment methods and applying relevant restrictions.
Sample code
{
  "payment_methods_filters": {
    "methods": {
      "action": "ALLOW",
      "values": [
        "credit_card",
        "debit_card",
        "prepaid_card",
        "credit_card_emi",
        "debit_card_emi"
      ]
    },
    "filters": {
      "card_schemes": {
        "action": "ALLOW",
        "values": ["VISA"]
      },
      "card_suffix": {
        "action": "ALLOW",
        "values": ["1936"]
      },
      "card_issuing_bank": {
        "action": "ALLOW",
        "values": ["AXIS"]
      },
      "card_bins": {
        "action": "ALLOW",
        "values": ["451457"]
      },
      "card_emi_schemes": {
        "action": "ALLOW",
        "values": ["VISA", "MASTERCARD"]
      },
      "card_emi_suffix": {
        "action": "ALLOW",
        "values": ["1936"]
      },
      "card_emi_issuing_bank": {
        "action": "ALLOW",
        "values": ["AXIS"]
      },
      "card_emi_tenure": {
        "action": "ALLOW",
        "values": [3]
      },
      "card_emi_bins": {
        "action": "ALLOW",
        "values": ["451457"]
      }
    }
  }
}

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Configuration guidelines

Follow these guidelines to ensure proper use and configuration of the Payment Method Eligibility feature:
  • Action field: Always use ALLOW for the action field.
  • Card schemes: Values must be in uppercase. For example, VISAor RUPAY.
  • Issuing bank: Refer to Cashfree’s list of valid issuing banks.
  • Card BINs: Only valid BINs should be used in the card_bins and card_emi_bins filters.
  • Card suffix: The last four digits of the card number must be specified for restrictions.
  • EMI filters: These should only be used if credit_card_emi or debit_card_emi is included in methods.
  • Filter order: Filters can be defined in any order within the filters object.
  • Default behaviour: If payment_methods_filters is not defined, all payment methods are supported without restrictions.
  • EMI tenure range: The range for card_emi_tenure is from 3 to 36 months.

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Supported card networks and issuing banks

The following card networks are supported:
Sr. No.Card network
1RUPAY
2VISA
3DINERS
4MASTERCARD
5AMEX
The following banks, listed in the table below, can be used to define the card_issuing_bank filter within the payment_methods_filters parameter of the Create Order API.
Sr. No.Bank name
1State Bank of India
2HDFC Bank
3ICICI Bank
4Axis Bank
5Kotak Mahindra Bank
6RBL Bank
7Union Bank of India
8Bank of Baroda
9IndusInd Bank
10Punjab National Bank
11Canara Bank
12IDFC First Bank
13Yes Bank
14IDBI Bank
15Federal Bank
16Citibank
17Citibank N.A.
18Bank of India
19American Express
20Standard Chartered Bank
21AU Small Finance Bank
22HSBC Bank
23Indian Overseas Bank
24Indian Bank
25Central Bank of India
26UCO Bank
27Jammu & Kashmir Bank
28India Post Payments Bank
29South Indian Bank
30Paytm Payments Bank
31DBS Bank
32SBI Cards and Payment Services Limited
33Karur Vysya Bank
34Airtel Payments Bank
35Karnataka Bank
36City Union Bank
37NPCI
38Punjab & Sind Bank
39Bandhan Bank
40Saraswat Co-operative Bank
41Tamilnad Mercantile Bank
42BOB Financial Solutions Limited (BFSL)
43CSB Bank (Catholic Syrian Bank)
44SBM Bank India
45Ujjivan Bank
46Abhyudaya Co-operative Bank
47Equitas Small Finance Bank
48Fino Payments Bank
49TDCB
50State Bank of Mauritius
51Cosmos Co-operative Bank
52Bank of Maharashtra
53Thane Janata Sahakari Bank
54Diners Club International
55Bassein Catholic Co-operative Bank
56DCB Bank
57Shamrao Vithal Co-operative Bank
58Fincare Small Finance Bank
59Bobcard Limited
60Dhanlaxmi Bank
61JP Morgan Chase Bank N.A.
62Bharat Co-operative Bank Mumbai
63Parsik Janata Sahakari Bank
64Utkarsh Small Finance Bank
65ESAF Small Finance Bank
66NSDL Payments Bank
67Tamil Nadu State Co-operative Bank
68Jana Small Finance Bank
69NKGSB Co-operative Bank
70Apna Sahakari Bank
71Kalyan Janata Sahakari Bank
72SVC Co-operative Bank
73MUBL (Mehsana Urban Co-operative Bank Ltd.)
74West Bengal State Co-operative Bank
75Gujarat State Co-operative Bank
76Dombivili Nagari Sahakari Bank
77NDCI
78Janata Sahakari Bank
79Greater Bombay Co-operative Bank
80Kalupur Commercial Co-operative Bank
81Commonwealth Bank of Australia
82Citizencredit Co-operative Bank
83Capital One, National Association
84Bank of Nova Scotia
85Tangerine Bank
86Rajkot Nagarik Sahakari Bank
87Revolut Ltd