{"id":6227,"date":"2019-09-05T18:55:07","date_gmt":"2019-09-05T13:25:07","guid":{"rendered":"https:\/\/swaritadvisors.com\/learning\/?p=6227"},"modified":"2021-04-05T15:29:02","modified_gmt":"2021-04-05T09:59:02","slug":"how-to-become-a-payment-gateway-service-provider-in-india","status":"publish","type":"post","link":"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/","title":{"rendered":"How to become a Payment Gateway Service Provider in India?"},"content":{"rendered":"\n<p class=\"has-drop-cap\">Nowadays, the world has become quite a technology savvy. Whether we want to eat something or have to purchase any cloth, gadgets, etc. everything is now done at just one click. But do you know how you are able to shop online so easily? Well, this is what we call Payment Gateway Service. In this article we described How to become a Payment Gateway Service Provider in India?<\/p>\n\n\n\n<p>Such services help people to perform online transactions with much ease and flexibility. Apart from this, recharges, payment of every kind of bills, etc. are now done through an online channel. If you have noticed, while paying the bill or making any recharges when you click on the option pay now, you are, then, directed to a new page. <\/p>\n\n\n\n<p>This page is known as the payment gateway site of that particular website on which you are going to make a transaction for any goods or services purchased. Therefore, if you find it interesting and wish to start your own payment gateway service in India, read the blog until the end. We have provided all the elementary details required for starting such services. <\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3a5b5f1fe47\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3a5b5f1fe47\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#What_is_the_Payment_Gateway_Service\" title=\"What is the Payment Gateway Service?\">What is the Payment Gateway Service?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#The_Working_of_Payment_Gateway\" title=\"The\nWorking of Payment Gateway \">The\nWorking of Payment Gateway <\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Encryption\" title=\"Encryption\">Encryption<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Authorization_Request\" title=\"Authorization Request\">Authorization Request<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Filing_the_Order\" title=\"Filing the Order\">Filing the Order<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Essential_Components_of_the_Payment_Gateway\" title=\"Essential\nComponents of the Payment Gateway \">Essential\nComponents of the Payment Gateway <\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#a_Merchant_Agreement\" title=\"a) Merchant Agreement \">a) Merchant Agreement <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#b_Secure_Electronic_Transaction_SET\" title=\"b) Secure Electronic Transaction (SET)\">b) Secure Electronic Transaction (SET)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Laws_that_govern_the_Payment_Gateway_Services_in_India\" title=\"Laws\nthat govern the Payment Gateway Services in India\">Laws\nthat govern the Payment Gateway Services in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Process_for_starting_Payment_Gateway_Service_in_India\" title=\"Process\nfor starting Payment Gateway Service in India\">Process\nfor starting Payment Gateway Service in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#What_are_the_basic_requirements_for_becoming_a_Payment_Gateway_Service_Provider\" title=\"What are the basic requirements for becoming a Payment\nGateway Service Provider?\">What are the basic requirements for becoming a Payment\nGateway Service Provider?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Procedure_for_obtaining_Payment_Gateway_License_for_Starting_a_Payment_Gateway_Service_in_India\" title=\"Procedure\nfor obtaining Payment Gateway License for Starting a Payment Gateway Service in\nIndia\">Procedure\nfor obtaining Payment Gateway License for Starting a Payment Gateway Service in\nIndia<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Step_1_Filing_an_application_to_the_RBI\" title=\"Step\n1: Filing an application to the RBI\">Step\n1: Filing an application to the RBI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Step_2_RBI_will_check_the_credentials\" title=\"Step\n2: &nbsp;RBI will check the credentials \">Step\n2: &nbsp;RBI will check the credentials <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Step_3_RBI_will_verify_for_certain_conditions\" title=\"Step\n3: RBI will verify for certain conditions\">Step\n3: RBI will verify for certain conditions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Step_4_Issuance_of_Authorization_for_commencing_Payment_Gateway_Service\" title=\"Step\n4: Issuance of Authorization for commencing Payment Gateway Service\">Step\n4: Issuance of Authorization for commencing Payment Gateway Service<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/swaritadvisors.com\/learning\/how-to-become-a-payment-gateway-service-provider-in-india\/#Step_5_Processing_of_application\" title=\"Step\n5: Processing of application\">Step\n5: Processing of application<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Payment_Gateway_Service\"><\/span>What is the Payment Gateway Service?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Payment Gateway Service is a financial service that is rendered through an e-commerce platform. The payment gateway acts as an intermediary between the banks as well as the website that facilitates the communication of transaction details. <\/p>\n\n\n\n<p>Besides,\nit generates the details from the buyer bank and supplies the info to the\nreceiving bank. Furthermore, it notes the feedback of the merchant bank so as\nto verify whether the transaction is approved or declined. <\/p>\n\n\n\n<p>Paytm, MobiKwik, Razorpay, etc. are some of the great instances of payment gateway service providers. However, you can start your own payment service until you receive the approval for the same from RBI. <\/p>\n\n\n\n<p><b>Also, Read:<\/b> <mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/swaritadvisors.com\/learning\/semi-closed-wallet-license\/\">Semi-Closed Wallet License<\/a><\/mark><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Working_of_Payment_Gateway\"><\/span>The\nWorking of Payment Gateway <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Once\nthe customer has ordered something from an online portal, there are a series of\ntasks that the Payment Gateway has to conduct. They are as follows:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Encryption\"><\/span>Encryption<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The\ncustomer uses the browser that encrypts the data that needs to be sent to the\nvendor\u2019s server. Then, the payment gateway transmits the transaction data to\nthe payment processor. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Authorization_Request\"><\/span>Authorization Request<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Once\nthe payment processor has received the data, it will send the same to the card\nassociation. The issuer bank will check the transaction at this point and\nagrees\/denies to it, accordingly. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Filing_the_Order\"><\/span>Filing the Order<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If\nthe bank agrees with the transaction, the authorization pertaining to the\nmerchant and customer is sent further to the Payment Gateway Processor. <\/p>\n\n\n\n<p>On\nthe receipt of the response from the processor, the same is forwarded to the\nwebsite for payment processing. This way, the information is inferred as well\nas the payment is generated. Moreover, the whole process of payment takes just\na few seconds only. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential_Components_of_the_Payment_Gateway\"><\/span>Essential\nComponents of the Payment Gateway <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are two most essential components\nof the Payment Gateway System, namely- <\/p>\n\n\n\n<ol><li>Merchant\nAgreement <\/li><li>Secure\nElectronic Transaction (SET)<\/li><\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"a_Merchant_Agreement\"><\/span>a) Merchant Agreement <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It\u2019s a contract between the business and\npayment gateway service provider. Each party involved in the online\ntransactions is guided by the responsibilities and the rules mentioned in this\nagreement. This is in context to the acceptance of authorization, payment,\nprocessing, and settlement. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"b_Secure_Electronic_Transaction_SET\"><\/span>b) Secure Electronic Transaction (SET)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Such\nare the transaction facility provided by the core service providers who deal in\nelectronic transactions such as Visa and MasterCard. The SET lets the merchants\nverify the payment detail without actually looking at it. The info on the card\nis directly received by the card issuer for verification. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Laws_that_govern_the_Payment_Gateway_Services_in_India\"><\/span>Laws\nthat govern the Payment Gateway Services in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Basically, RBI has enacted two Acts for the regulation and governing of the Payment gateway system. They are as follows:<\/p>\n\n\n\n<ul><li>Payment and Settlement\nSystems Regulations, 2008<\/li><li>Board for Regulation\nand Supervision of Payment and Settlements System Regulations, 2008<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Process_for_starting_Payment_Gateway_Service_in_India\"><\/span>Process\nfor starting Payment Gateway Service in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If\nyou are willing to become a Payment Gateway Service Provider in India, you need\nto get an approval for the same from RBI. <\/p>\n\n\n\n<p>As per Section 4 of the <strong>Payment and Settlement Systems Act, 2007<sup><a class=\"text-primary\" href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Publications\/PDFs\/86706.pdf\"><strong><em>[1]<\/em><\/strong><\/a><\/sup><\/strong>, a person cannot operate a payment system until it has received the authorization from the RBI. <\/p>\n\n\n\n<p>Therefore, you are first required to file an application for authorization under Section 5 of the PSS Act. However, before that, you must ensure that you meet the basic requirements for getting the license. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_basic_requirements_for_becoming_a_Payment_Gateway_Service_Provider\"><\/span>What are the basic requirements for becoming a Payment\nGateway Service Provider?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For obtaining <a href=\"https:\/\/swaritadvisors.com\/payment-gateway-license\"><strong>payment gateway license<\/strong><\/a>, you must fulfil the following basic requirements:<\/p>\n\n\n\n<ul><li>Your company must be registered under the Companies Act, 2013;<\/li><li>There should be at least two members or directors in the company;<\/li><li>A business plan for five years is required;<\/li><li>Address proof of the business;<\/li><li>Service Tax Registration Number;<\/li><li>System Flow and Code Testing Report from the Software Certifying Agency;<\/li><li>Compliance with PCI DSS. <\/li><\/ul>\n\n\n\n<div class=\"shadow3\"><strong>Note:<\/strong> PCI DSS stands for Payment Card Industry Data Security Standard. And compliance with the same is one of the crucial requirements for the Payment Gateway Businesses. PCI DSS has set certain set of rules &amp; regulations that focus on optimizing the security of the transactions done online. Further, it protects the cardholders from fraud.<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Procedure_for_obtaining_Payment_Gateway_License_for_Starting_a_Payment_Gateway_Service_in_India\"><\/span>Procedure\nfor obtaining Payment Gateway License for Starting a Payment Gateway Service in\nIndia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>According\nto the PSS Act, the willing entity needs to make an application to the RBI for\nobtaining the license. For details, read the steps described below:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Filing_an_application_to_the_RBI\"><\/span>Step\n1: Filing an application to the RBI<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>As per Section 5 (1) of the PSS Act, the entity must file an application to the Chief General Manager of the Department of PSS at the Central Office of the RBI at Mumbai. Or, it could be sent to such other offices of RBI as particularized by RBI on a timely basis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_RBI_will_check_the_credentials\"><\/span>Step\n2: &nbsp;RBI will check the credentials <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>According to Section 6 of the PSS Act, the RBI possesses the power to hold inquiries as it could be necessary for satisfying itself regarding the authenticity of the details submitted by the applicant company. Furthermore, it\u2019s essential for checking the credentials of the involved entities. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_RBI_will_verify_for_certain_conditions\"><\/span>Step\n3: RBI will verify for certain conditions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Before\nissuing the authorization, the RBI shall take into account the following\nconditions:<\/p>\n\n\n\n<ul><li>The need for proposal\npayment system or the services proposed to be carried by it;<\/li><li>The medium through\nwhich the transfer will take place in the proposed payment system;<\/li><li>Terms and conditions\nregarding the proposed payment system including any security procedure;<\/li><li>Technical standards set\nfor the payment system or the structure of the payment system;<\/li><li>The financial status of\nthe management and the integrity of the entity;<\/li><li>Terms and conditions\ngoverning the relationship among the customers and the payment providers;<\/li><li>The method for netting\npayment instructions that affect the obligations of payment under the payment\nsystem;<\/li><li>Timeframe for\nauthorization;<\/li><li>Credit and monetary\npolicies. <\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_4_Issuance_of_Authorization_for_commencing_Payment_Gateway_Service\"><\/span>Step\n4: Issuance of Authorization for commencing Payment Gateway Service<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If\nthe RBI finds that the applicant satisfies all the requirements as laid down I\nSection 7 (1) of the concerned Act, it will issue the Authorization Certificate\nin Form B. Afterwards; the applicant can commence and carry on the payment\ngateway service. <\/p>\n\n\n\n<p>The\nauthorization will take place in the way as specified by the RBI and from the\ndate as mentioned by the same. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_5_Processing_of_application\"><\/span>Step\n5: Processing of application<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>According to Section 4 of the PSS Act, the RBI needs to process the application of authorization as soon as possible. Furthermore, the maximum time limit for processing is six months from the date on which the applicant has filed the application for authorization.<\/p>\n\n\n\n<p><b>Also, Read:<\/b> <mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/swaritadvisors.com\/learning\/wp-admin\/admin.php?page=disqus\">What are the Closed Wallet RBI Guidelines?<\/a><\/mark><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nowadays, the world has become quite a technology savvy. Whether we want to eat something or have to purchase any cloth, gadgets, etc. everything is now done at just one click. But do you know how you are able to shop online so easily? Well, this is what we call Payment Gateway Service. In this [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":6228,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[552,544],"tags":[965],"_links":{"self":[{"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/posts\/6227"}],"collection":[{"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/comments?post=6227"}],"version-history":[{"count":21,"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/posts\/6227\/revisions"}],"predecessor-version":[{"id":18562,"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/posts\/6227\/revisions\/18562"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/media\/6228"}],"wp:attachment":[{"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/media?parent=6227"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/categories?post=6227"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swaritadvisors.com\/learning\/wp-json\/wp\/v2\/tags?post=6227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}