BNPL

post

https://test.payu.in/_payment

Buy Now Pay Later (BNPL) allows your customers to spread their payments over a relatively short period instead of paying upfront. You can collect payments from customers with BNPL using the Merchant Hosted Checkout integration.

You can collect payments from customers in EMI using the Merchant Hosted integration. You need to ensure that BNPL for the pg parameter and BNPL code based on the provider and tenure for the bankcode parameter is posted.

Postman Collection

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Environment


Test Environment	https://test.payu.in/_payment>
Production Environment	https://secure.payu.in/_payment>

Sample Request

curl -X POST "https://test.payu.in/_payment" \
-H "accept: application/json" \
-H "Content-Type: application/x-www-form-urlencoded" \
-d '{
"key":"J****g",
"txnid":"5jJ9xYceXX1ydT",
"amount":"1000.00",
"firstname":"Ashish",
"email":"[email protected]",
"phone":"9876543210",
"productinfo":"iPhone",
"pg":"BNPL",
"bankcode":"LAZYPAY",
"surl":"https://apiplayground-response.herokuapp.com/",
"furl":"https://apiplayground-response.herokuapp.com/",
"hash":"6840ba0d1a14554f7ee5d20966dfbac6b221718e72dd823f05b6da01420286315b4956c28325898b66520b111604020ea2c547608606674766eb7e4164dc0baa"
}'

Sample Response

Array
(
    [mihpayid] => 403993715523409521
    [mode] => BNPL
    [status] => success
    [unmappedstatus] => captured
    [key] => J****g
    [txnid] => 5jJ9xYceXX1ydT
    [amount] => 1000.00
    [discount] => 0.00
    [net_amount_debit] => 1000
    [addedon] => 2021-07-02 15:03:50
    [productinfo] => iPhone
    [firstname] => PayU User
    [lastname] => 
      [address1] =>
  )

Request parameters

📘
Reference
For the character limit of each parameter and detailed description, refer to Additional Info for Payment APIs.

Values to be used in Test environment

To use your mobile number for testing with Lazypay as bankcode, contact PayU Support to whitelist your mobile number.
Use the following values with HDFC as BNPL provider:
- Card number: 4234567890056334
- Phone number: 9123412345
- OTP: 123456
For the complete test credentials, refer to Test Cards.

❗️
Error handling
If any error message is displayed with an error code, refer to the Error Codes section to understand the reason for these error codes.

Form Data

key

string

required

Defaults to JPM7Fg

Merchant key provided by PayU during onboarding.

txnid

string

required

The transaction ID is a reference number for a specific order that is generated by the merchant.

amount

integer

required

The payment amount for the transaction.

productinfo

string

required

A brief description of the product.

firstname

string

required

The first name of the customer.

surl

string

required

The success URL, which is the page PayU will redirect to if the transaction is successful.

furl

string

required

The Failure URL, which is the page PayU will redirect to if the transaction is failed.

string

required

The email address of the customer.

string

required

The pg parameter determines which payment tabs will be displayed on the PayU page. For Buy Now Pay Later, use BNPL.

bankcode

const

enum

required

Each payment option is identified with a unique bank code at PayU. The merchant must post this parameter with the corresponding payment option’s bank code value in it.

Allowed:

ccnum

string

required

Use 13-19 digit card number for credit/debit cards (15 digits for AMEX, 13-19 for Maestro) and validate with LUHN algorithm. Use only test cards as in the example or that is listed in Test Cards, UPI ID and Wallets section..

ccvv

string

required

String Use 3-digit CVV number for credit/debit cards and 4-digit security code (4DBC/CID) for AMEX cards. Validate with BIN API.

ccname

string

required

String This parameter must contain the name on card – as entered by the customer for the transaction.

ccexpmon

string

required

This parameter must contain the card’s expiry month – as entered by the user for the transaction. It must always be in 2 digits or in MM format. For months 1-9, this parameter must be appended with 0 – like 01, 02…09. For months 10-12, this parameter must not be appended – It should be 10,11 and 12 respectively.

ccexpyr

string

required

This parameter must contain the card’s expiry year – as entered by the customer for the transaction. It must be of four digits. Use 2025 in this field for Test environment.

hash

string

required

It is used to avoid the possibility of transaction tampering. Hash formula: sha512(key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3|udf4|udf5||||||

phone

number

The phone number of the customer.

lastname

string

The last name of the customer.

buyer_type_business

string

This parameter is used to identify whether it is a B2B transaction. If 1 is posted, it is a B2B transaction.

curl

string

The Cancel URL, which is the page PayU will redirect to if the transaction is cancelled by customer.

udf1

string