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Payment Gateways

HMP integrates with multiple payment gateways for secure transaction processing.

Supported Gateways​

GatewayRegionsFeatures
RazorpayIndiaCards, UPI, Wallets, EMI
StripeGlobalCards, Apple Pay, Google Pay
PayUIndia, LatAmCards, Net Banking, Wallets
CCAvenueIndiaCards, Net Banking
PayPalGlobalPayPal, Cards

Integration Architecture​

Razorpay Integration​

Configuration​

payment:
  gateway: razorpay
  mode: live  # or 'test'
  razorpay:
    key_id: rzp_live_xxxxx
    key_secret: xxxxx
    webhook_secret: xxxxx

Supported Payment Methods​

  • Credit/Debit Cards (Visa, Mastercard, RuPay)
  • UPI (Google Pay, PhonePe, Paytm)
  • Net Banking (50+ banks)
  • Wallets (Paytm, Amazon Pay, etc.)
  • EMI (No-cost EMI available)

Payment Flow​

API Example​

// Create Razorpay order
const order = await razorpay.orders.create({
  amount: 500000, // INR 5000 in paise
  currency: 'INR',
  receipt: 'folio_123',
  notes: {
    reservation_id: 'res_xyz789',
    guest_name: 'John Doe'
  }
});

// Frontend: Initialize checkout
const options = {
  key: 'rzp_live_xxxxx',
  amount: order.amount,
  currency: order.currency,
  order_id: order.id,
  handler: function(response) {
    // Verify payment
    verifyPayment(response);
  }
};

const rzp = new Razorpay(options);
rzp.open();

Stripe Integration​

Configuration​

payment:
  gateway: stripe
  mode: live
  stripe:
    publishable_key: pk_live_xxxxx
    secret_key: sk_live_xxxxx
    webhook_secret: whsec_xxxxx

Supported Payment Methods​

  • Credit/Debit Cards
  • Apple Pay
  • Google Pay
  • Affirm, Klarna (Buy Now Pay Later)
  • ACH Direct Debit (US)
  • SEPA Direct Debit (EU)

Payment Flow​

// Create PaymentIntent
const paymentIntent = await stripe.paymentIntents.create({
  amount: 50000, // USD $500 in cents
  currency: 'usd',
  metadata: {
    reservation_id: 'res_xyz789',
    folio_id: 'folio_123'
  }
});

// Frontend: Confirm payment
const result = await stripe.confirmCardPayment(
  paymentIntent.client_secret,
  {
    payment_method: {
      card: cardElement,
      billing_details: {
        name: 'John Doe'
      }
    }
  }
);

Pre-Authorization​

Create Authorization​

curl -X POST https://api.hmpcloud.com/v1/payments/authorize \
  -H "Authorization: Bearer <token>" \
  -d '{
    "amount": 15000.00,
    "currency": "INR",
    "folio_id": "folio_123",
    "card_token": "tok_xxxxx"
  }'

Capture Authorization​

curl -X POST https://api.hmpcloud.com/v1/payments/capture \
  -H "Authorization: Bearer <token>" \
  -d '{
    "authorization_id": "auth_xyz",
    "amount": 12000.00
  }'

Release Authorization​

curl -X POST https://api.hmpcloud.com/v1/payments/release \
  -H "Authorization: Bearer <token>" \
  -d '{
    "authorization_id": "auth_xyz"
  }'

Refunds​

Process Refund​

curl -X POST https://api.hmpcloud.com/v1/payments/refund \
  -H "Authorization: Bearer <token>" \
  -d '{
    "payment_id": "pay_xyz789",
    "amount": 5000.00,
    "reason": "Guest requested cancellation"
  }'

PCI Compliance​

Tokenization​

HMP never stores raw card data. All card information is tokenized:

{
  "card": {
    "token": "tok_abc123",
    "last_four": "4242",
    "brand": "visa",
    "expiry_month": 12,
    "expiry_year": 2028
  }
}

Security Measures​

  • TLS 1.3 encryption
  • PCI DSS Level 1 compliance
  • Tokenization of sensitive data
  • 3D Secure authentication

Webhooks​

Configure webhooks to receive payment notifications:

{
  "event": "payment.captured",
  "data": {
    "payment_id": "pay_xyz789",
    "amount": 15000.00,
    "currency": "INR",
    "status": "captured",
    "folio_id": "folio_123"
  }
}

Error Handling​

Error CodeDescriptionAction
card_declinedCard declinedTry another card
insufficient_fundsInsufficient balanceTry another card
expired_cardCard expiredUse valid card
invalid_cvvCVV mismatchRe-enter CVV
3ds_failed3D Secure failedRetry authentication