sabpaisa-python 1.0.1

Production-grade Python server-side SDK for the SabPaisa PG 2.0 payment gateway.

SabPaisa Python SDK

Server-side Python SDK for the SabPaisa Payment Gateway — hosted checkout (PG v2), native UPI S2S (PG v3), transaction enquiry, refunds, and webhook signature verification.

• Package: sabpaisa-python on PyPI
• Version: 1.0.1
• Requires: Python ≥ 3.11
• License: MIT

---

About this SDK

Accept payments via SabPaisa from any Python backend across every supported method (cards, UPI, net banking, wallets). The SDK signs and ships every request, parses every response into pydantic models, and gives you typed exceptions for every documented gateway error code — so the only code you write is your own business logic.

Advantages

• Complete API coverage. Hosted checkout (PG v2) plus native UPI S2S (PG v3), status enquiry, refunds (create / get / list with auto-pagination), and webhook signature verification — one SDK, one auth model.
• Fully typed. pydantic-modelled requests and responses; PEP 561 py.typed ships in the wheel so consumers get full IDE / mypy support.
• Typed errors for every gateway code. InvalidSignatureError, S2sNotEnabledError, PaymentFailedError, DuplicateTransactionError, the refund family, transient RateLimit/Server — each a distinct catchable subclass of SabPaisaError, carrying code, http_status, trace_id, response body.
• Wire-format correctness baked in. S2S timestamp is sent as a JSON string, webhook_url is included, the checksum base string is exact — none of which you have to remember.
• Built on httpx. Connection pooling, thread-safe, configurable timeouts.
• Safe by default. TLS verification on; retries with exponential backoff on idempotent verbs only (POSTs never auto-retried — no double charges); secret held as pydantic.SecretStr to stay out of frame dumps.
• Framework-agnostic. Works with Django, Flask, FastAPI, or standalone scripts.

When to use this SDK

• You're building a server-side integration in Python (Django, Flask, FastAPI, cron/batch jobs) and want a typed, framework-agnostic SDK.
• You want one library for both hosted checkout and native UPI S2S, with an explicit, catchable fallback path between them.
• You want to reconcile payments from background jobs — payments.status() plus refunds.list_iter() cover that cleanly.

If your stack is PHP, use sabpaisa/sabpaisa-php. For OpenCart, use the ready-built plugins. For mobile apps, use the Android or React Native SDK.

Installation

pip install sabpaisa-python

Type hints ship via py.typed. No native dependencies.

---

Step-by-step integration process

A complete SabPaisa integration in Python is seven steps. Every later section expands one of these.

1. Install — pip install sabpaisa-python (see Installation).
2. Configure credentials — API key, secret key, merchant ID, optional webhook secret (Merchant credential configuration).
3. Build the request — populate the payload from your order (Payment request payload).
4. Sign it — HMAC-SHA256 over the canonical base string (Checksum generation; the SDK does this for you).
5. Send it — POST /api/v2/payments for hosted, POST /api/v2/payments/s2s for native UPI (API endpoints; Checkout redirection flow).
6. Handle the return — verify state server-side via the enquiry endpoint when the customer comes back (Callback handling; Response handling).
7. Receive webhooks — accept and verify SabPaisa's server-pushed final status (Webhook handling).

Steps 1–6 are the minimum viable integration; step 7 is strongly recommended for production and practically required for UPI (async payment).

Merchant credential configuration

SabPaisa onboarding gives you three credentials, plus an optional fourth:

Field	Format	Used as
api_key	sp_…	X-Api-Key HTTP header
secret_key	sec_…	HMAC-SHA256 signing key (server-side only)
merchant_id	short code (e.g. TESTMERCH)	X-Merchant-Id header + request body field
webhook_secret (optional)	whsec_…	HMAC key for verifying SabPaisa's webhook signatures

Critical gotcha. SabPaisa hands out two HMAC-shaped keys: secret_key (sec_…) and a legacy hmac_api_key (64-char hex). The SDK signs with secret_key. Using hmac_api_key produces InvalidSignatureError.

Explicit construction:

from sabpaisa_sdk import SabPaisaClient

client = SabPaisaClient(
    api_key="sp_…",
    secret_key="sec_…",
    merchant_id="YOUR_MERCHANT_CODE",
    environment="staging",            # or "production"
)

From environment variables (recommended for production):

# .env (NEVER commit)
SABPAISA_API_KEY=sp_...
SABPAISA_SECRET_KEY=sec_...
SABPAISA_MERCHANT_ID=YOUR_MERCHANT_CODE
SABPAISA_ENV=staging
# optional:
SABPAISA_BASE_URL=
SABPAISA_TIMEOUT=30
SABPAISA_MAX_RETRIES=3
SABPAISA_PROXY=

client = SabPaisaClient.from_env()

The secret is held as a pydantic.SecretStr — the raw value never appears in frame dumps (Sentry / debuggers / rich tracebacks).

Payment request payload

What you supply per payment session. Field names match the wire format.

Field	Type	Required	Notes
merchant_txn_id	str ≤ 100	yes	unique per attempt; alphanumeric + _ / -
amount	int	yes	paise — 50000 = ₹500.00. Range 100–100 000 000
currency	enum / str	yes	Currency.INR (default)
customer_name	str 2–100	yes
customer_email	str (valid email, ≤ 255)	yes
customer_phone	str ≤ 20	yes	10-digit Indian mobile
return_url	str (HTTPS)	yes (hosted)	where SabPaisa redirects the customer
mode	UpiPaymentMode	yes (S2S)	UpiPaymentMode.QR or UpiPaymentMode.INTENT
webhook_url	str	recommended	where SabPaisa POSTs the final status
customer_id	str	optional	your own customer reference
description	str ≤ 500	optional	shown on the checkout page
metadata	dict	optional	free-form JSON object, echoed back on enquiry/webhook
language	str ≤ 10	optional	checkout-page language (e.g. "en")
udf	dict	optional	echoed back in the webhook (udf1–udf20)
billing_address	BillingAddress / dict	optional	see structured objects below
shipping_address	ShippingAddress / dict	optional	see structured objects below
shipping_same_as_billing	bool	optional	top-level flag (not nested in the address)
line_items	list[LineItem] / dict	optional	up to 100 items
order_summary	OrderSummary / dict	optional	subtotal, fees, discounts, total
timestamp	int seconds (hosted) / str (S2S, wire)	yes	the SDK fills automatically
checksum	hex str, 64 chars	yes	the SDK fills automatically

The structured optional objects accept either a typed model or a plain dict (camelCase wire keys). Full field list:

• billing_address / shipping_address — name, line1, line2, landmark, city, state, postalCode, country, phone
  • ⚠️ When an address is sent, country must be a 2-letter ISO code (e.g. IN) and state a valid state code (e.g. KA) — the gateway rejects full names like India / Karnataka with VALIDATION_ERROR.
• line_items[] — name, description, sku, category, hsnCode, quantity, unitPrice, discount, taxPercent, tax, imageUrl, productUrl ( required)
• order_summary — subtotal, shippingAmount, shippingMethod, discountAmount, discountCode, taxAmount, convenienceFee, totalAmount (* required)

Hosted-checkout body on the wire:

{
  "merchantId":     "TESTMERCH",
  "merchantTxnId":  "ORDER-1001",
  "amount":         50000,
  "currency":       "INR",
  "customerName":   "Shubham Saurav",
  "customerEmail":  "[e-mail]",
  "customerPhone":  "9876543210",
  "returnUrl":      "https://shop.example.com/payments/return",
  "timestamp":      1779272712,
  "checksum":       "<64-char lowercase hex — generated by the SDK>"
}

S2S UPI body — timestamp is a JSON string, webhookUrl is included:

{
  "merchantId":     "TESTMERCH",
  "merchantTxnId":  "ORDER-1001",
  "amount":         50000,
  "currency":       "INR",
  "customerName":   "Shubham Saurav",
  "customerEmail":  "[e-mail]",
  "customerPhone":  "9876543210",
  "paymentMode":    "UPI_QR",
  "webhookUrl":     "https://shop.example.com/sabpaisa/webhook",
  "timestamp":      "1779272712",
  "checksum":       "<64-char lowercase hex — generated by the SDK>"
}

create_upi_s2s() also accepts the same optional order fields as create() — customer_id, metadata, language, billing_address, shipping_address, shipping_same_as_billing, line_items, order_summary, and udf — and forwards them on the S2S body (omitted when None; they don't affect the checksum). The address country/state code rule above applies here too.

Full payload with addresses, line items and order summary:

session = client.payments.create(
    merchant_txn_id="ORDER-2026-05-29-0001",
    amount=130900,
    customer_name="Shubham Saurav",
    customer_email="[e-mail]",
    customer_phone="[phone]",
    return_url="https://shop.example.com/payments/return",
    customer_id="CUST-12345",
    description="Order #1234 for 2 items",
    metadata={"orderId": "ORD-1234", "campaign": "diwali-2026"},
    language="en",
    billing_address={
        "name": "Shubham Saurav", "line1": "Flat 101, Tower B",
        "city": "Bengaluru", "state": "KA", "postalCode": "560001", "country": "IN",
    },
    shipping_same_as_billing=True,
    line_items=[
        {
            "name": "Wireless Mouse", "sku": "MOUSE-LOGI-M185",
            "category": "electronics", "hsnCode": "84716060",
            "quantity": 1, "unitPrice": 80000, "discount": 5000,
            "taxPercent": 18.00, "tax": 13500,
        },
        {"name": "USB-C Cable", "quantity": 2, "unitPrice": 15000, "tax": 5400},
    ],
    order_summary={
        "subtotal": 110000, "shippingAmount": 5000, "shippingMethod": "Standard Delivery",
        "discountAmount": 5000, "discountCode": "DIWALI10", "taxAmount": 18900,
        "convenienceFee": 2000, "totalAmount": 130900,
    },
    udf={"udf1": "campaign-diwali-2026", "udf2": "channel-web"},
)

Checksum generation

The SDK signs every outbound request automatically. Documented here for support escalations.

Algorithm: HMAC-SHA256, lowercase hex, 64 characters.

Base string:

merchantId|merchantTxnId|amount|currency|timestamp

Reference implementation (what the SDK does):

import hashlib, hmac

base = f"{merchant_id}|{merchant_txn_id}|{amount}|{currency}|{timestamp}"
checksum = hmac.new(secret_key.encode(), base.encode(), hashlib.sha256).hexdigest()

For S2S the body field timestamp is sent as a JSON string, but the base string concatenates the same numeric value.

Direct helper:

from sabpaisa_sdk import generate_checksum, current_timestamp_seconds

ts = current_timestamp_seconds()                # Unix seconds
checksum = generate_checksum(
    secret_key,
    merchant_id=merchant_id,
    merchant_txn_id=merchant_txn_id,
    amount=amount,
    currency="INR",
    timestamp=ts,
)

API endpoints

Operation	Method	Path	Auth
Create hosted-checkout session	POST	/api/v2/payments	X-Api-Key
Native UPI S2S	POST	/api/v2/payments/s2s	X-Api-Key + X-Merchant-Id
Transaction enquiry	POST	/api/v2/payments/enquiry	X-Api-Key + X-Merchant-Id
Create refund	POST	/api/v2/refunds	X-Api-Key + X-Merchant-Id
Get refund	GET	/api/v2/refunds/{refund_id}	X-Api-Key + X-Merchant-Id
List refunds	GET	/api/v2/refunds	X-Api-Key + X-Merchant-Id

Base URLs:

staging:    https://staging-sb-merchant-api.sabpaisa.in
production: https://merchant-api.sabpaisa.in

The SDK picks the base URL from environment. You don't construct URLs by hand.

Checkout redirection flow

1. Customer clicks Pay
   └─> your backend: client.payments.create(...) → POST /api/v2/payments
                                                    returns { paymentId, clientSecret, checkoutUrl }
                                                ─┐
2. Your backend redirects to session.redirect_url
   (= checkoutUrl?clientSecret=...)             <─┘

3. Customer pays on SabPaisa's hosted page (cards / UPI / net banking / wallets).

4. SabPaisa redirects the customer back to your `return_url`
   with query params: merchant_txn_id, status, paid_amount, signature, ...
   *** do NOT trust these query params ***

5. Your backend's return-URL handler: see "Callback handling" below.

Code for steps 1–2 (Flask):

@app.post("/pay")
def pay():
    session = client.payments.create(
        merchant_txn_id="ORDER-1001",
        amount=50_000,
        customer_name="Shubham Saurav",
        customer_email="[e-mail]",
        customer_phone="9876543210",
        return_url="https://shop.example.com/payments/return",
    )
    return redirect(session.redirect_url)

For native UPI (no redirect) use create_upi_s2s() — see Payment request payload and Webhook handling.

Callback handling

When the customer returns from SabPaisa, the query string carries a status hint and signature. Treat them as a hint, not proof. The authoritative check is a server-side payments.status() enquiry:

from flask import abort, request, redirect
from sabpaisa_sdk import SabPaisaError

@app.get("/payments/return")
def payment_return():
    txn_id = request.args.get("merchant_txn_id")
    if not txn_id:
        abort(400)

    try:
        state = client.payments.status(txn_id)
    except SabPaisaError as exc:
        # network / 5xx / etc. — log + retry shortly; do NOT fail the order yet.
        app.logger.warning("SabPaisa enquiry failed: %s trace=%s", exc.code, exc.trace_id)
        abort(503)

    # See "Response handling" for how to interpret state.status.

The SDK does not ship a return-URL signature verifier — re-enquiry is the trust boundary.

For a reconciliation cron (recommended): every N minutes, re-enquire every order non-terminal > 30 min and apply the same response-handling logic.

Response handling

payments.status() returns a typed TransactionEnquiryResponse with status: PaymentStatus:

state.status	Order action
SUCCESS	mark paid; fulfil
FAILED	mark failed; allow retry
CANCELLED	mark failed/cancelled
EXPIRED	mark failed
TIMEOUT	mark failed
PENDING	leave pending; rely on webhook or recon cron

from sabpaisa_sdk import PaymentStatus

if state.status == PaymentStatus.SUCCESS:
    mark_order_paid(order_id, state.paid_amount, state.bank_txn_id)
elif state.status in (PaymentStatus.FAILED, PaymentStatus.CANCELLED,
                     PaymentStatus.EXPIRED, PaymentStatus.TIMEOUT):
    mark_order_failed(order_id, state.status.value)
else:                                        # PENDING — wait for webhook
    leave_pending_for(order_id)

Also useful on the response:

• state.paid_amount — rupees (Decimal)
• state.amount_paise — paise (int)
• state.bank_txn_id — bank's reference
• state.payment_mode — "UPI" / "CARD" / "NET_BANKING" / "WALLET"
• state.trace_id — SabPaisa's correlation ID
• state.is_success — convenience boolean

Match by merchant_txn_id, not amount — SabPaisa may add a convenience fee.

Webhook handling

SabPaisa POSTs the authoritative final status to your webhook_url with an X-SabPaisa-Signature: <timestamp>.<base64sig> header. HMAC-SHA256 over <timestamp>.<raw_body>, base64-encoded, signed with a webhook secret SabPaisa provisions for you (distinct from secret_key).

from flask import abort, request
from sabpaisa_sdk import InvalidWebhookSignatureError

WEBHOOK_SECRET = "whsec_…"

@app.post("/sabpaisa/webhook")
def sabpaisa_webhook():
    raw = request.get_data()                          # RAW bytes — never re-encode
    header = request.headers.get("X-SabPaisa-Signature")
    try:
        client.webhooks(WEBHOOK_SECRET).verify_signature(header, raw)
        # 300-second replay window. Pass tolerance=0 for offline replay.
    except InvalidWebhookSignatureError:
        abort(401)

    event = request.get_json()
    # event["merchantTxnId"], event["status"] (SUCCESS / FAILED / EXPIRED), ...
    apply_to_order(event["merchantTxnId"], event["status"])
    return "", 200                                    # ack — even if status didn't change

Always 4xx a bad signature; always 2xx an accepted delivery (even on no-op) so SabPaisa doesn't redeliver indefinitely.

Required in practice for UPI (customer may approve in their UPI app long after leaving your site).

Errors

Every API error is typed:

HTTP	API code	Exception
401	UNAUTHORIZED / MERCHANT_INACTIVE	AuthenticationError
403	CLIENT_CODE_MISMATCH	ForbiddenError
403	S2S_NOT_ENABLED	S2sNotEnabledError (extends ForbiddenError)
400	INVALID_SIGNATURE	InvalidSignatureError
400	REQUEST_EXPIRED / INVALID_TIMESTAMP	RequestExpiredError
400	DUPLICATE_TRANSACTION	DuplicateTransactionError
400	PAYMENT_FAILED / PROCESSING_ERROR / ORCHESTRATOR_ERROR	PaymentFailedError
400	AMOUNT_EXCEEDED	AmountExceededError
400	REFUND_*	RefundError subclasses
404	TRANSACTION_NOT_FOUND	NotFoundError
429	—	RateLimitError (carries retry_after)
5xx	SERVICE_UNAVAILABLE / INTERNAL_ERROR	ServerError

Catch SabPaisaError for the base. Every exception carries message, code, http_status, trace_id, response_body — capture all five when escalating.

Local validation raises ValidationError. Webhook verification raises InvalidWebhookSignatureError.

Refunds

refund = client.refunds.create(
    txn_id="SP_TXN_ABC123",
    amount=25_000,                                # paise
    reason="Customer requested cancellation",
    idempotency_key="refund-order-4567",          # optional — retry-safe
)

client.refunds.get(refund.refund_id)
client.refunds.list(txn_id="SP_TXN_ABC123")
for r in client.refunds.list_iter():              # paginating generator
    ...
all_refunds = client.refunds.list_all()

Refunds are asynchronous — create() returns INITIATED and settle in 5–7 business days. Poll get() or let your reconciliation job pick them up.

Idempotency

Every mutating call — payments.create(), payments.create_upi_s2s(), and refunds.create() — accepts an optional idempotency_key. When set, the SDK sends it as the X-Idempotency-Key header, and SabPaisa collapses a retried request carrying the same key onto the original result instead of creating a second payment or refund.

client.refunds.create(
    txn_id="SP_TXN_ABC123", amount=25_000, reason="...",
    idempotency_key="refund-order-4567",
)

Use a key that's stable per logical operation (e.g. derived from your order id), so an automatic retry, a double-clicked button, or a redelivered job can't double-charge or double-refund. The SDK never auto-retries POSTs, so the key protects your retries. Omit it and the call behaves exactly as before.

Production best practices

1. Always HTTPS. SabPaisa rejects HTTP return_url outside of localhost.
2. Unique merchant_txn_id per attempt. UUID per Pay click. Fresh ID on retry, otherwise DuplicateTransactionError.
3. Persist merchant_txn_id ↔ order_id BEFORE you redirect, not after.
4. Server-side re-enquiry on every callback. Never trust the redirect alone.
5. Reconciliation cron. For any order non-terminal > 30 min, run payments.status().
6. Webhook receiver in production. client.webhooks(...).verify_signature(...). Required in practice for UPI.
7. Match by merchant_txn_id, not amount. SabPaisa may add a convenience fee.
8. Never log secret_key or webhook_secret. Log code, http_status, trace_id, merchant_txn_id.
9. Pin the SDK. Lock to a known-tested version in your requirements. Read the CHANGELOG before bumping.
10. TLS verification stays on. Default is on; don't disable it.
11. Don't auto-retry POSTs. The SDK already enforces this — preserve the rule if you wrap it.
12. Idempotent webhook handler. SabPaisa may redeliver; your handler should be safe to run twice for the same merchantTxnId.

Trust boundary

Nothing the customer's browser carries proves payment. The return-URL query string can be replayed or spoofed. The authoritative source is the gateway, accessed two ways:

• Server-side enquiry — client.payments.status(merchant_txn_id) after the customer returns, or from a cron.
• Webhook — SabPaisa POSTs the final status to your endpoint with X-SabPaisa-Signature.

Never mark an order paid based on the redirect alone.

---

Public surface reference

client.payments.create(...)                          POST /api/v2/payments
client.payments.create_upi_s2s(...)                  POST /api/v2/payments/s2s
client.payments.status(merchant_txn_id)              POST /api/v2/payments/enquiry
client.payments.enquire(...)                         alias of status()
client.refunds.create(txn_id=, amount=, reason=)     POST /api/v2/refunds
client.refunds.get(refund_id)                        GET  /api/v2/refunds/{id}
client.refunds.status(refund_id)                     alias of get()
client.refunds.list(...)                             GET  /api/v2/refunds
client.refunds.list_iter(...)                        paginating generator
client.refunds.list_all(...)                         materialised
client.webhooks(webhook_secret)
      .verify_signature(header, raw_body)            local HMAC verification

See INTEGRATION.md for the step-by-step Flask / FastAPI walkthrough.

License

MIT — see also the CHANGELOG for release notes.