GoKwik Pe Checkout: A Complete Guide for Merchants and Developers

GoKwik Pe Checkout is a unified payment gateway that lets Indian merchants accept UPI, debit/credit cards, wallets, and net banking through a single API. Launched in March 2023, it settles funds within 24 hours, charges a flat fee of 1.75 % + ₹2 per transaction, and meets PCI‑DSS Level 1 compliance. The service is designed for both web stores and mobile apps, offering SDKs for Android, iOS, and JavaScript.

What is GoKwik Pe Checkout and how does it work?

GoKwik Pe Checkout aggregates multiple payment rails into one endpoint. When a customer clicks “Pay”, the checkout page loads a secure iFrame that displays UPI IDs, card entry fields, and popular wallets like Paytm, PhonePe, and Google Pay. The gateway encrypts the data, routes it to the appropriate processor, and returns a transaction status to the merchant in real time.

Which payment methods are supported?

• UPI (including QR code and app‑to‑app flows)
• Debit and credit cards (Visa, Mastercard, RuPay, Amex)
• Popular Indian wallets (Paytm, PhonePe, Google Pay, Mobikwik)
• Net banking for 30+ Indian banks
• EMI options for select cards

How is the integration process for developers?

Developers can integrate GoKwik Pe Checkout in three steps:

1. Sign up on the GoKwik merchant portal and generate API keys.
2. Choose the SDK (Android, iOS, or Web) and add the provided library to the project.
3. Call the checkout.init() method with order details; the SDK handles tokenization, UI, and callbacks.

The entire flow can be tested in sandbox mode before going live.

How does GoKwik Pe Checkout compare to other Indian checkout solutions?

Feature	GoKwik Pe Checkout	Razorpay	PayU	Instamojo
Launch Year	2023	2014	2009	2012
Supported Methods	UPI, cards, wallets, net banking, EMI	UPI, cards, wallets, BNPL	UPI, cards, wallets, net banking	UPI, cards, wallets
Settlement Time	24 hrs (next‑day)	1‑2 days	2‑3 days	2‑4 days
Transaction Fee	1.75 % + ₹2	2 % + ₹3	2 % + ₹3	2.5 % + ₹3
PCI‑DSS Level	Level 1	Level 1	Level 1	Level 1

For merchants prioritising rapid settlement and lower fees, GoKwik Pe Checkout offers a competitive edge, especially for small‑ticket e‑commerce.

What are the costs and settlement times?

GoKwik Pe Checkout applies a transparent pricing model:

• Domestic card & UPI: 1.75 % + ₹2 per successful transaction.
• International card: 2.5 % + ₹3.
• No hidden setup or monthly fees for the basic plan.
• Chargeback fee: ₹100 per disputed transaction.

Funds are transferred to the merchant’s linked bank account by the next business day (usually within 24 hours after the transaction is settled). Merchants can also opt for same‑day payouts for an additional ₹25 per payout.

Is GoKwik Pe Checkout secure and compliant?

Security is a core pillar of the service. It includes:

• PCI‑DSS Level 1 certification, audited annually.
• End‑to‑end tokenization of card data; the merchant never sees raw PAN.
• Two‑factor authentication (OTP) for UPI and high‑risk card transactions.
• Real‑time fraud monitoring using AI‑driven risk scoring.
• GDPR‑compatible data handling for customers outside India.

These measures meet the Reserve Bank of India’s (RBI) guidelines for payment aggregators and reduce liability for merchants.

How to set up GoKwik Pe Checkout for your online store?

Follow this concise checklist to get live in under an hour:

1. Create a merchant account: Visit dashboard.gokwik.com, fill KYC details, and verify your PAN and GSTIN.
2. Obtain API credentials: After approval, navigate to *API Keys* and copy the public_key and secret_key.
3. Choose integration mode: For Shopify, use the pre‑built app; for WooCommerce, install the GoKwik plugin; for custom sites, download the JavaScript SDK.
4. Configure webhook URLs: Set https://yourdomain.com/gokwik/webhook to receive payment status callbacks.
5. Test in sandbox: Toggle the *Sandbox* switch, run a ₹1 transaction, and verify the response.
6. Go live: Disable sandbox, enable production keys, and start accepting real payments.

Documentation and sample code are available on the GoKwik developer portal, with a dedicated support channel that guarantees a response within 4 hours.

What common issues arise and how can they be resolved?

Issue 1 – Transaction fails with ‘Insufficient funds’ despite a successful payment on the customer side. This usually indicates a delayed settlement from the UPI app. Verify the webhook status; if status=success is received, manually update the order.

Issue 2 – Webhook not firing. Check that your server’s SSL certificate is valid and that the endpoint returns a 200 OK within 2 seconds. GoKwik retries for up to 72 hours if the first attempt fails.

Issue 3 – Card tokenization error. Ensure the latest SDK version is used; older versions may not support the new RBI tokenization standard introduced in August 2023.

Where can merchants find support and resources?

GoKwik provides a 24 × 7 live chat, email support (support@gokwik.com), and a knowledge base with over 120 articles. Additionally, the community forum on community.gokwik.com hosts integration examples and case studies.

Frequently Asked Questions

Can I use GoKwik Pe Checkout with popular e‑commerce platforms like Shopify?

Yes. GoKwik offers a native Shopify app that installs the checkout widget in minutes, requiring only your API keys and webhook URL.

Is there a minimum transaction amount for GoKwik Pe Checkout?

The minimum amount is ₹10 for UPI and ₹50 for card transactions, matching RBI's minimum limits for digital payments.

How does GoKwik handle refunds?

Refunds are processed through the same API; merchants can initiate a full or partial refund within 30 days, and the amount is returned to the customer’s original payment method within 2‑3 business days.

Do I need a separate merchant account for each payment method?

No. GoKwik Pe Checkout aggregates all methods under a single merchant account, simplifying reconciliation and reporting.

What security certifications does GoKwik Pe Checkout hold?

It is PCI‑DSS Level 1 certified, complies with RBI payment aggregator guidelines, and uses tokenization and AI‑driven fraud detection.