> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payglocal.in/llms.txt
> Use this file to discover all available pages before exploring further.

# GPI Service — Payment Initiation

> The PayGlocal Payment Initiation (GPI) service is the entry point for processing a payment. Learn the two flows, required data, and sample requests.

## What Is GPI?

**GPI (PayGlocal Payment Initiation)** is the primary API service for initiating a payment transaction. It collects all transaction, payment, and risk data in a single request and returns a redirect URL for your customer to complete the payment.

The GPI service performs:

1. Determining processing attributes and routing for the transaction
2. Validating and processing payment data
3. Risk assessment and transaction classification
4. Setting up standing instructions (if requested)

## Two Integration Flows

### PayCollect Flow — For Non-PCI DSS Certified Entities

You send minimal transaction data (amount, currency, merchant identifiers). PayGlocal collects card details and preferred payment method directly from the customer on its hosted page.

**Endpoint:** `POST /gl/v1/payments/initiate/paycollect`

**Minimum required payload:**

```json theme={null}
{
  "merchantTxnId": "23AEE8CB6B62EE2AF07",
  "paymentData": {
    "totalAmount": "89",
    "txnCurrency": "INR"
  },
  "merchantCallbackURL": "https://www.yoursite.com/callback"
}
```

<Note>
  PayCollect supports **Global Alternative Payment Methods** (iDeal, Sofort, Trustly, giropay, EPS, bank transfers, wallets, BNPL) for merchants exporting goods/services outside India. For these methods, `shippingData.addressCountry` and `customerData.emailId` are required.
</Note>

<Warning>
  PayCollect flow does **not** support setting up Standing Instructions for cards.
</Warning>

### PayDirect Flow — For PCI DSS Certified Entities

<Snippet file="paydirect/when-to-use.mdx" />

**Endpoint:** `POST /gl/v1/payments/initiate`

## Minimum Required Payload

<Snippet file="paydirect/minimum-payload.mdx" />

## Full Request Payload

<Snippet file="paydirect/full-payload.mdx" />

## GPI Response

<Snippet file="paydirect/response.mdx" />

## Risk Data Requirements

<Snippet file="paydirect/risk-data.mdx" />

## Network Token / AltID Support

<Snippet file="paydirect/network-tokens.mdx" />

## Industry-Specific Data

<Snippet file="paydirect/industry-data.mdx" />

## Next Steps

<CardGroup cols={2}>
  <Card title="Get Status Service" icon="magnifying-glass" href="/payment-services/get-status-service">
    Poll transaction status after the GPI call.
  </Card>

  <Card title="Refund Service" icon="arrow-rotate-left" href="/payment-services/refund-service">
    Initiate full or partial refunds.
  </Card>

  <Card title="Standing Instructions" icon="rotate" href="/payment-services/standing-instructions">
    Manage recurring mandates.
  </Card>

  <Card title="API Field Reference" icon="table" href="/api-fields/transaction-payment-fields">
    Full description of every request and response field.
  </Card>
</CardGroup>