hamropay Docs

Grow with your merchants

Payments for Platforms

Your merchants get paid.
Your platform earns.

Build payments into the stores and services you host. Hamro Pay automatically allocates your platform’s commission from each customer payment and credits the remainder to the selling merchant’s own account.

Add platform commissions See how the money moves

Commission collection, built into the payment.

Your platform brings merchants and customers together. Hamro Pay handles the payment allocation, so your share reaches your platform’s merchant account as part of the flow.

Automatic platform commission

Set the agreed percentage in the payment session. Hamro Pay allocates that share to your platform.

Merchants receive their share

The remaining payment amount is credited to the selling merchant’s own account.

One checkout for your customers

Customers make one payment to the selling merchant. The commission comes from that payment.

Built on Hamro Pay Checkout: mobile banking, internet banking, QR, and connectIPS payments across Nepal.

One customer payment. Everyone’s share.

The customer pays the selling merchant through your platform. Hamro Pay identifies the seller, the platform commission account, and the configured percentage from the session request.

One payment. Two account allocations.

Illustrative 3% platform commission

Customer pays

NPR 1,000.00

Full order amount

Platform receives

NPR 30.00

3% to the platform merchant account

Selling merchant receives

NPR 970.00

Remainder to the seller’s own account

This example shows the commission allocation only and excludes any payment processing fees. The 3% is an example platform rate.

1. Customer pays NPR 1,000. This is the full order amount shown at checkout.
2. Hamro Pay allocates NPR 30 to your platform. This is the 3% commission configured for the example payment.
3. The selling merchant receives NPR 970. The remaining amount goes to the merchant’s own account, before any processing fees.

Your platform commission is separate from Hamro Pay’s payment processing fee. The example’s 3% is an illustrative platform rate.

Add commissions to your checkout integration.

The hosted checkout flow stays the same. Include clientCommissionConfig when creating a payment session for one of your merchants.

Identify both accounts

Connect the seller and your platform

Obtain a Hamro Pay merchant ID for your platform and each selling merchant. Use the seller’s ID as the payment’s top-level merchantId. Use the platform’s ID as commissionMerchantId.

Configure the commission

Set the platform’s percentage

Supply the agreed percentage in commissionPercentage. Send 3 for 3%. Read the seller and commission configuration from your server’s records when creating each session.

Accept and verify payment

Use the same checkout flow

Create the signed session, submit the checkout form, and verify payment on your server. Hamro Pay handles the platform commission allocation and the seller’s remaining share.

Follow the checkout quickstart

The fields that define the allocation

merchantId

Selling merchant

The seller’s merchant ID, at the top level of the Create Session request. This merchant receives the remaining payment amount.

commissionMerchantId

Platform merchant

Your platform’s merchant ID, inside clientCommissionConfig. This account receives your commission.

commissionPercentage

Platform’s percentage

The percentage of the customer’s payment allocated to your platform. A value of 3 means 3%.

Platform commission · add to Create Session

commission-config.json

{
  "clientCommissionConfig": {
    "commissionMerchantId": "YOUR_PLATFORM_MERCHANT_ID",
    "commissionPercentage": 3
  }
}

A complete request example

This request uses the full NPR 1,000 payment amount (transactionAmount is in paisa), the seller’s merchant ID, and a separate platform merchant ID. Replace the sample IDs and return URLs with your test configuration.

platform-order.json · Create Session request

{
  "merchantTxnId": "PLATFORM-ORDER-1001",
  "merchantId": "SELLING_MERCHANT_ID",
  "transactionAmount": "100000",
  "failedRedirectionUrl": "https://your-domain.example/payment/failure",
  "successRedirectionUrl": "https://your-domain.example/payment/success",
  "clientCommissionConfig": {
    "commissionMerchantId": "YOUR_PLATFORM_MERCHANT_ID",
    "commissionPercentage": 3
  }
}

Keep transactionAmount as the full customer payment. Hamro Pay calculates the commission allocation; you don’t replace the request amount with the seller’s remainder.

Read the platform commission API reference