daysTime to key
NoNo-human path
3Human gates
3/10Onboarding score
KYC / business checkManual reviewPhone OTP
Fastest path to a key
- Phone OTPRegister at business.phonepe.com/pg/register with mobile number + OTP
- Enter business details: PAN, business type, GSTIN (if applicable), bank account, website/app URL
- Phone OTPOpen PhonePe Business Dashboard > Developer Settings and copy the Client ID + Client Secret (+ client_version)
- Phone OTPPOST client credentials to the token endpoint: UAT https://api-preprod.phonepe.com/apis/pg-sandbox/v1/oauth/token, prod https://api.phonepe.com/apis/identity-manager/v1/oauth/token. This returns an O-Bearer access_tok…
- Phone OTPTest in the UAT sandbox using templates, test cards and mock OTP 123456
- KYC / business checkGo-live: KYC documents reviewed + website compliance check by PhonePe before production transactions
- Working API key
Biggest gap
No agent surface at all: no MCP, no machine-readable docs, and an unclear path to test credentials without a KYC'd merchant account
Worth copying
A sandbox with configurable response templates (success/failure/pending) lets an agent test every payment branch deterministically
Sources (5) · checked 2026-10-11
- https://developer.phonepe.com/payment-gateway
- https://developer.phonepe.com/payment-gateway/website-integration/standard-checkout/api-integration/api-reference/authorization
- https://developer.phonepe.com/payment-gateway/uat-testing-go-live/uat-sandbox
- https://business.phonepe.com/pg/register
- https://inc42.com/?p=520462
Add the badge to your README
[](https://agentsready.dev/c/developer.phonepe.com)