Payment Gateway Guide

FluidGrids supports multiple payment methods to accommodate users worldwide. This guide explains each payment gateway, their features, and how to use them effectively.

Supported Payment Methods

BOFF Workspace supports three payment methods, each optimized for different use cases and regions.

Credits (Direct)

Use your existing credit balance for instant purchases.

Key Features:

Processing Time: Instant (immediate confirmation)
Transaction Fees: None
Best For: Users with existing credit balance
Currency: Credits only (1 credit = base currency equivalent)
Refunds: Via support ticket with review process
Security: Secure database transaction with audit trail
Availability: All regions

Advantages:

No processing delays
No transaction fees
Immediate access to purchases
Works regardless of geographic location

When to Use:

You have sufficient credit balance
Need immediate access to resources
Want to avoid payment processing delays
Making small or frequent purchases

Razorpay (India)

India's leading payment gateway with comprehensive local payment support.

Key Features:

Processing Time: 5-15 minutes average
Transaction Fees: Standard Razorpay fees apply (varies by payment method)
Best For: Indian customers and businesses
Currency: INR only (automatically selected for Indian accounts)
Payment Methods:
- UPI (Google Pay, PhonePe, Paytm, BHIM)
- Credit/Debit Cards (Visa, Mastercard, RuPay, Amex)
- Net Banking (50+ banks)
- Wallets (Paytm, Mobikwik, Freecharge, etc.)
3D Secure: Yes (OTP verification for cards)
Refunds: Processed via Razorpay dashboard (3-7 business days)
Security: PCI DSS Level 1 compliant
Modal Interface: Popup payment form with Razorpay branding

Advantages:

Wide variety of local payment methods
Support for all major Indian banks
UPI for instant bank transfers
Familiar interface for Indian users
Competitive transaction fees for India

When to Use:

You're based in India
Prefer UPI or net banking
Want to use Indian credit/debit cards
Need local payment options

Fee Structure:

Credit/Debit Cards: ~2% + GST
Net Banking: ~₹10-15 per transaction + GST
UPI: 0% (free for customers, small fee for merchants)
Wallets: Varies by wallet provider

Stripe (International)

Global payment platform supporting customers worldwide.

Key Features:

Processing Time: 5-15 minutes average
Transaction Fees: Standard Stripe fees apply (varies by region and card type)
Best For: International customers and global businesses
Currencies: USD, EUR, GBP, INR, and 135+ more
Payment Methods:
- Credit/Debit Cards (Visa, Mastercard, Amex, Discover, JCB, Diners Club)
- Apple Pay
- Google Pay
- Link (Stripe's one-click payment)
3D Secure: Yes (Strong Customer Authentication SCA compliant)
Refunds: Processed via Stripe dashboard (5-10 business days)
Security: PCI DSS Level 1 compliant, fraud detection included
Form Interface: Embedded payment elements with modern UI

Advantages:

Global currency support
Advanced fraud protection
Modern, secure payment form
Support for digital wallets
Industry-leading reliability
Automatic currency conversion

When to Use:

You're outside India
Need to pay in non-INR currency
Prefer international cards
Want Apple Pay or Google Pay
Making large or international purchases

Fee Structure:

Domestic Cards: ~2.9% + $0.30 per transaction
International Cards: ~3.9% + $0.30 per transaction
Currency Conversion: Additional 1% for conversion
Varies by country and card type

Payment Flow

For Razorpay

Follow these steps when using Razorpay for payment:

Select Razorpay at Checkout
- Choose Razorpay as your payment method
- Currency is automatically locked to INR
Review Order Summary
- Verify items in your cart
- Check total amount in INR
- Review any applied discounts or credits
Click "Complete Purchase"
- Initiates payment process
- Opens Razorpay payment modal
Razorpay Modal Opens
- Branded Razorpay interface appears
- Shows merchant details and amount
- Displays available payment methods
Choose Payment Method
- UPI: Select UPI app or enter VPA
- Cards: Enter card details and OTP
- Net Banking: Select bank and login
- Wallets: Choose wallet and authenticate
Complete Payment
- Follow method-specific steps
- Complete any required authentication (OTP, PIN, etc.)
- Wait for confirmation
Verification Callback
- System receives payment confirmation from Razorpay
- Validates payment signature
- Checks transaction status
Order Status Updates
- Status changes from "Pending" to "Processing"
- Then to "Completed" upon successful verification
- You'll see real-time status updates
Credits/Items Delivered
- Credits added to your account immediately
- Subscriptions activated instantly
- Store items made available
- Email confirmation sent

Troubleshooting Razorpay Payments:

Payment Stuck: Wait 15 minutes before retrying
UPI Timeout: Check bank app, payment may have succeeded
Card Decline: Verify OTP entry, check card limits
Modal Not Opening: Disable popup blockers

For Stripe

Follow these steps when using Stripe for payment:

Select Stripe at Checkout
- Choose Stripe as your payment method
- Currency selection becomes available
Choose Currency
- Select from: USD, EUR, GBP, INR, or other supported currencies
- System shows converted amount based on current exchange rates
- Exchange rate displayed for transparency
Enter Card Details in Embedded Form
- Card Number: Enter 16-digit card number
- Expiry Date: MM/YY format
- CVC: 3 or 4-digit security code
- Billing Postal Code: For additional verification
- Form validates entries in real-time
Click "Pay" Button
- Submits payment information securely to Stripe
- Initiates payment processing
3D Secure Authentication (if required)
- Browser redirects to card issuer's authentication page
- Enter OTP sent to phone
- Or use bank's mobile app for authentication
- Required for cards in EU and other regions with SCA
Payment Processing
- Stripe processes the transaction
- Fraud detection systems analyze the payment
- Typically completes within seconds
- May take longer for international cards
Webhook Notification
- Stripe sends secure webhook to our servers
- Contains payment confirmation and transaction details
- System validates webhook signature
Order Status Updates
- Real-time status updates shown in UI
- Progress from "Processing" to "Completed"
- Automatic page updates via polling
Credits/Items Delivered
- Credits added to account immediately
- Subscriptions activated
- Store items provisioned
- Email receipt and confirmation sent

Troubleshooting Stripe Payments:

Card Declined: Check card details, ensure sufficient funds
3D Secure Failed: Contact your bank, ensure SMS/app access
Currency Issues: Verify correct currency selected
Form Errors: Check all fields are filled correctly

Hybrid Payment (Credits + Gateway)

Combine existing credits with gateway payment for flexible purchasing.

How Hybrid Payment Works

If you have partial credits:

System Detects Credit Balance
- Automatically checks your available credits
- Calculates remaining amount needed
Payment Split Calculation
- Credits applied first (up to available balance)
- Remaining amount calculated for gateway payment
- Clear breakdown shown at checkout

Example Scenario:

Total Purchase: $100
Available Credits: $30

Payment Breakdown:
- Credits Applied: $30
- Pay via Gateway: $70

Complete Payment
- Credits deducted immediately
- Gateway processes remaining amount
- Both transactions must succeed
- If gateway fails, credits are refunded automatically

Benefits of Hybrid Payment

Use Existing Credits: Don't let credits go unused
Reduce Payment Fees: Lower transaction fees on smaller gateway amount
Flexible Budgeting: Combine multiple payment sources
Instant Partial Payment: Credit portion applies instantly

When Hybrid Payment Applies

Hybrid payment is automatically offered when:

Your credit balance is greater than $0
Your credit balance is less than total purchase amount
You haven't opted out of using credits
Purchase supports credit payment

Transaction Status Polling

After completing payment, the system monitors transaction status to ensure delivery.

How Polling Works

Initial Status: Transaction marked as "Processing"
Polling Begins: System checks status every 3-5 seconds
Gateway Query: Queries payment gateway for transaction status
Status Updates: UI updates automatically without page refresh
Completion Detection: Stops polling when final status received
Timeout Handling: After 5 minutes, shows message but continues checking in background

What You See

Processing Indicator: Animated spinner with "Processing payment..." message
Status Messages:
- "Verifying payment with gateway..."
- "Confirming transaction..."
- "Almost there..."
Progress Updates: Real-time status changes
Final Confirmation: Success message with order details or error notification

If Timeout Occurs

If polling times out (rare), don't panic:

Wait 5-15 Minutes
- Payment may still be processing
- Gateway confirmations can be delayed
- System continues checking in background
Check Billing Dashboard
- Go to Billing & Subscriptions
- Check Recent Transactions
- Look for your transaction ID
- Status will update there once confirmed
Don't Retry Payment Immediately
- You might create duplicate charges
- Wait for first payment to complete or fail
- Check email for payment confirmation
Contact Support if Not Resolved After 30 Minutes
- Provide Transaction ID
- Include screenshot of payment confirmation
- Support can manually verify status
- Typical resolution time: 1-2 hours

Transaction Status Meanings

Pending: Payment initiated, awaiting confirmation
Processing: Gateway processing the payment
Verifying: System confirming with gateway
Completed: Payment successful, items delivered
Failed: Payment declined or error occurred
Timeout: Status check timed out (doesn't mean payment failed)

API Reference (for developers)

Integrate payment functionality into your applications using our GraphQL API.

Create Razorpay Order

Initiate a Razorpay payment order.

mutation CreateRazorpayOrder($input: createRazorpayOrderInput!) {
  createRazorpayOrder(input: $input) {
    orderID
    amount
    currency
    key
    transactionID
  }
}

Parameters:

Parameter	Type	Required	Description
`billingAccountId`	String	Yes	Your billing account ID
`currencySelected`	String	Yes	"INR" (only supported currency for Razorpay)
`planId`	String	Optional	Plan ID for subscription purchases
`storeItemId`	String	Optional	Store item ID for marketplace purchases
`creditAmount`	Float	Optional	Amount of credits to purchase
`addOnIds`	[String]	Optional	Array of add-on IDs to purchase
`recurrence`	Boolean	Optional	`true` for recurring subscription, `false` for one-time
`includeCredits`	Boolean	Optional	`true` to use hybrid payment with existing credits

Response Fields:

orderID: Razorpay order identifier (use for payment modal)
amount: Total amount in smallest currency unit (paise for INR)
currency: "INR"
key: Razorpay public key for your account
transactionID: Internal transaction ID (use for status polling)

Example Request:

{
  "input": {
    "billingAccountId": "bill_abc123",
    "currencySelected": "INR",
    "planId": "plan_pro_monthly",
    "recurrence": true,
    "includeCredits": false
  }
}

Example Response:

{
  "data": {
    "createRazorpayOrder": {
      "orderID": "order_razorpay_xyz789",
      "amount": 99900,
      "currency": "INR",
      "key": "rzp_live_1234567890",
      "transactionID": "txn_internal_abc123"
    }
  }
}

Create Stripe Order

Initiate a Stripe payment intent.

mutation CreateStripeOrder($input: createStripeOrderInput!) {
  createStripeOrder(input: $input) {
    clientSecret
    amount
    key
    transactionID
  }
}

Parameters:

All parameters same as Razorpay with the following differences:

Parameter	Type	Required	Description
`currencySelected`	String	Yes	"USD", "EUR", "GBP", "INR", or other supported currency

Response Fields:

clientSecret: Stripe client secret (use for payment element)
amount: Total amount in smallest currency unit (cents for USD)
key: Stripe publishable key
transactionID: Internal transaction ID (use for status polling)

Example Request:

{
  "input": {
    "billingAccountId": "bill_abc123",
    "currencySelected": "USD",
    "creditAmount": 100.00,
    "includeCredits": true
  }
}

Example Response:

{
  "data": {
    "createStripeOrder": {
      "clientSecret": "pi_secret_xyz789",
      "amount": 7000,
      "key": "pk_live_1234567890",
      "transactionID": "txn_internal_def456"
    }
  }
}

Check Transaction Status

Poll transaction status after payment completion.

query PollingStatus($transactionID: String!) {
  pollingStatus(transactionID: $transactionID) {
    status
    message
  }
}

Parameters:

Parameter	Type	Required	Description
`transactionID`	String	Yes	Transaction ID from order creation

Response Fields:

status: Transaction status ("pending", "processing", "completed", "failed")
message: Human-readable status message

Example Request:

{
  "transactionID": "txn_internal_abc123"
}

Example Response:

{
  "data": {
    "pollingStatus": {
      "status": "completed",
      "message": "Payment successful. Credits have been added to your account."
    }
  }
}

Polling Best Practices:

Poll every 3-5 seconds
Implement exponential backoff after 1 minute
Stop polling after receiving "completed" or "failed" status
Timeout after 5 minutes, but inform user to check later
Include error handling for network failures

Error Responses

All API calls may return errors. Common error codes:

{
  "errors": [
    {
      "message": "Insufficient credits in billing account",
      "extensions": {
        "code": "INSUFFICIENT_CREDITS",
        "availableCredits": 50.00,
        "requiredCredits": 100.00
      }
    }
  ]
}

Common Error Codes:

INSUFFICIENT_CREDITS: Not enough credits for hybrid payment
INVALID_BILLING_ACCOUNT: Billing account not found or no access
INVALID_CURRENCY: Unsupported currency for selected gateway
PAYMENT_GATEWAY_ERROR: Gateway returned an error
DUPLICATE_TRANSACTION: Transaction already in progress
INVALID_PLAN: Plan not found or not available
INVALID_ADDON: Add-on not compatible with plan

Security Considerations

Data Protection

PCI Compliance: Never send card details to our servers; goes directly to gateway
Encryption: All payment data encrypted in transit (TLS 1.3)
Tokenization: Card details tokenized by payment gateway
No Storage: We never store complete card numbers or CVV

Fraud Prevention

Gateway Fraud Detection: Both Stripe and Razorpay include fraud analysis
3D Secure: Required for supported cards to prevent unauthorized use
Velocity Checking: Multiple failed payments temporarily blocked
Risk Scoring: Suspicious transactions flagged for review

Best Practices

Keep Credentials Secret: Never share API keys or client secrets
Verify SSL: Always check for HTTPS in payment pages
Monitor Transactions: Regularly review billing dashboard
Report Suspicious Activity: Contact support immediately for unusual charges
Use Strong Authentication: Enable 2FA on your account

Choosing the Right Payment Method

Decision Matrix

Scenario	Recommended Method	Reason
Located in India	Razorpay	Local payment methods, lower fees
International user	Stripe	Multi-currency support
Have credit balance	Credits (Direct)	Instant, no fees
Large purchase	Stripe	Better for high-value transactions
Recurring subscription	Either gateway	Both support auto-renewal
Need immediate access	Credits	Instant processing
Prefer UPI	Razorpay	Best UPI support
Using Apple Pay	Stripe	Apple Pay supported

Next Steps

Now that you understand payment gateways:

Set Up Payment Method: Add your preferred payment option in billing settings
Make a Purchase: Try purchasing credits or a subscription
Monitor Transactions: Check billing dashboard after purchase
Save for Future: Payment methods can be saved for faster checkout
Enable Auto-Reload: Set up automatic credit reload (coming soon)

Purchasing Credits - Buy credits using payment gateways
Managing Subscriptions - Subscribe to plans
Common Errors and Solutions - Troubleshoot payment issues

Secure, flexible payment options ensure you can access FluidGrids features regardless of your location.

Supported Payment Methods​

Credits (Direct)​

Razorpay (India)​

Stripe (International)​

Payment Flow​

For Razorpay​

For Stripe​

Hybrid Payment (Credits + Gateway)​

How Hybrid Payment Works​

Benefits of Hybrid Payment​

When Hybrid Payment Applies​

Transaction Status Polling​

How Polling Works​

What You See​

If Timeout Occurs​

Transaction Status Meanings​

API Reference (for developers)​

Create Razorpay Order​

Create Stripe Order​

Check Transaction Status​

Error Responses​

Security Considerations​

Data Protection​

Fraud Prevention​

Best Practices​

Choosing the Right Payment Method​

Decision Matrix​

Next Steps​

Related Documentation​

Supported Payment Methods

Credits (Direct)

Razorpay (India)

Stripe (International)

Payment Flow

For Razorpay

For Stripe

Hybrid Payment (Credits + Gateway)

How Hybrid Payment Works

Benefits of Hybrid Payment

When Hybrid Payment Applies

Transaction Status Polling

How Polling Works

What You See

If Timeout Occurs

Transaction Status Meanings

API Reference (for developers)

Create Razorpay Order

Create Stripe Order

Check Transaction Status

Error Responses

Security Considerations

Data Protection

Fraud Prevention

Best Practices

Choosing the Right Payment Method

Decision Matrix

Next Steps

Related Documentation