Introduction
PayU offers multiple payment workflows suitable for your online payment collection and disbursement strategy with diverse requirements and operational realities. Your website’s payment workflow is an integral part of your customer’s shopping experience. After the customer adds the products to the shopping cart on your website and checkout, you need to offer various payment modes to make the shopping experience complete.
What is a payment gateway?
A payment gateway is a technology used by merchants to accept debit or credit card, UPI, wallets, EMI, etc. For purchases made by customers.
Benefits
- Safer, faster, smoother transactions that give customers peace of mind.
- Secure and protect customers from frauds.
- Improves user experience, saves time, and empowers your customers.
- Enables you to accept multiple payment types and cards securely
- Reduces declined payments with real time transactions.
PayU recommends you to:
Understand the product integration steps on this Integration Guide and later refer to API Reference.
The API Reference pages for various APIs allows you to make mock API calls with most of the PayU APIs (using a static test key). Also, it provides support in 16 language bindings, so you can get the source code in apart from bash or cURL.
PayU recommends you to integrate with Test environment initially for all the integration before you go live to Production environment.
It is recommended to follow the Integration Checklist for checkout or SDK integrations to ensure that your integration is complete before making your integration live.
💳 Collect Payments on Your Website
PayU provides multiple integration options to help you collect payments on your website. Each option is designed for different developer needs, business requirements, and compliance levels.
- If you want to start quickly without coding, choose a No Code solution.
- If you want PayU to handle PCI compliance and payment pages, choose Hosted Checkout.
- If you need full control over the checkout UI or already manage PCI compliance, use Merchant Hosted or Server-to-Server APIs.
- If you want a high-conversion, optimized checkout with additional business features, go with CommercePro / Checkout Plus.
- For mobile apps, use PayU SDKs (Android, iOS, React Native, Flutter, Cordova).
- If you’re running on Shopify, WooCommerce, Magento, or other eCommerce platforms, you can use ready-made plugins.
Integration Options
🌐 Website Integrations
- No Code Solutions
- PayU Hosted Checkout
- Merchant Hosted Checkout
- Server-to-Server
- CommercePro Checkout
- Checkout Plus
📱 Mobile SDKs
For app integrations, explore PayU’s SDKs:
🛍 eCommerce Plugins
If you’re on Shopify, WooCommerce, Magento, or similar platforms, use our ready-made plugins:
🔍 Integration Comparison Matrix
| Integration Type | Dev Effort | PCI Compliance Needed | Customization | Best For |
|---|---|---|---|---|
| No Code/Low Code (Payment Link and Button) | Very Low | No (PayU handles all) | Minimal (branding, logo, colors) | Small merchants, instant setup |
| eCommerce Plugins | Very Low | No | Minimal | Shopify, WooCommerce, Magento or any eCommerce plugin merchants |
| PayU Hosted Checkout | Low | No | Minimal (branding, logo, colors) | SMBs, merchants looking for go-live |
| Merchant Hosted | Medium | Yes (cards handled on merchant site) | High (full UI control) | Businesses with PCI DSS compliance |
| Server-to-Server | High | Yes | Very High (own checkout flow + backend orchestration) | Large merchants, marketplaces |
| CommercePro / Plus | Medium | No (PayU handles sensitive data) | Medium (Optimized UI) | Businesses optimizing for conversions |
| Mobile SDKs | Low to medium depending on type of checkout solution opted | Dependent on type of checkout solution opted | Medium (native customization) | Native Android/iOS/Hybrid apps |
| eCommerce Plugins | Very Low | No | Minimal | Shopify, WooCommerce, Magento or any eCommerce plugin merchants |
🎁 Offerings
Enhance your checkout and customer experience with PayU’s extended offerings:
🔗 MCP (Model Context Protocol)
Communicate with the PayU Payments APIs using Model Context Protocol to collect payments. ➡️ Learn more: PayU MCP.
🤝 Partnership & Payouts
- Partner Integration → Partner - Introduction
- Payouts → Payouts - Introduction
🧾 Bill Payments
🛠 Developer Resources
- Merchant Key & Salt → Access Merchant Key and Salt
- Test Credentials (Card, UPI, Wallet, BNPL) → Test Cards, UPI ID and Wallets
Updated 6 days ago