Full control. The merchant never leaves your platform. You build the UI; PayU provides the APIs.
sequenceDiagram
participant MERCHANT
participant YOUR BACKEND
participant PAYU
MERCHANT->>YOUR BACKEND: browser
YOUR BACKEND->>PAYU: API
PAYU->>YOUR BACKEND: webhook
All API calls are server-to-server. Never expose your resellerToken to the browser.
flowchart TD
A[Create Merchant] --> B[Update PAN/Bank/Business/<br/>GST/CIN/URLs]
B --> C[Business Members & Signatory<br/>for non-individual]
C --> D[CKYC]
D --> E[DigiLocker]
E --> F[Required Docs]
F --> G[Upload]
G --> H{VKYC Required?}
H -->|Yes| I[VKYC]
H -->|No| J[E-Sign]
I --> J
J --> K[Status/Webhooks]
| Individual / Sole Prop | Non-Individual (Pvt Ltd, LLP, Partnership, Trust, Society) |
|---|
| Business members | Not required | Required |
| Signatory & UBO | Not required | Required |
| CIN | Not required | Required (Pvt Ltd, LLP) |
| CKYC flow | Mobile OTP | PAN + Date of Incorporation |
| VKYC | Conditional | Conditional |
The following APIs are used to onboard and manage merchants through Partner Integration:
| Use case → Reference | command / primary value | Description |
|---|
| Generate an access token — Get Token API | POST /oauth/token | Generates an access token using the partner's client ID and client secret. |
| Use case → Reference | command / primary value | Description |
|---|
| Onboard a merchant — Create Merchant API | POST /api/v3/merchants | Creates a merchant account, submits KYC details, and returns the Merchant ID. |
| Manage bank details — Add or Update Bank Details API | POST /api/v3/merchants/
{merchant_uuid}/add_bank_detail | Adds or updates a merchant's bank account details after PAN verification. |
| Update merchant details — Update Merchant Details API | PUT /api/v1/merchants/
{uuid}/update | Updates merchant information, including PAN details. |
| Use case → Reference | command / primary value | Description |
|---|
| Retrieve merchant details — Get Merchant API | GET /api/v1/merchants/{mid} | Retrieves the details of a merchant linked to the partner. |
| Verify and link a merchant — Verify and Link Merchant API | POST /api/v1/merchants/{mid}/verify | Verifies an existing merchant and links the merchant account to the partner. |
| Use case → Reference | command / primary value | Description |
|---|
| Send an OTP — Send OTP API | POST /api/v1/otps/send_otp | Sends an OTP to verify merchant details or authorize a bank-details update. |
| Verify an OTP — Verify OTP API | POST /api/v1/otps/verify_otp | Verifies the merchant's OTP and returns a user token for authorized operations. |
| Use case → Reference | command / primary value | Description |
|---|
| Retrieve required KYC documents — Info KYC Document API | GET /api/v3/merchants/kyc_document/info | Retrieves the documents required to complete a merchant's KYC. |
| Upload a KYC document — Create KYC Document | POST /api/v3/merchants/{mid}/kyc_document | Uploads a KYC document for a merchant. |
| Delete a KYC document — Delete KYC Document API | DELETE /api/v3/merchants/{mid}/kyc_document/{kyc_document_uuid} | Deletes a previously uploaded KYC document. |
| Submit CKYC details — Post CKYC API | POST /api/v3/merchants/kyc_document/ckyc_data | Submits the merchant's Central KYC details to PayU. |
| Upload Aadhaar XML — Upload Aadhaar XML Offline API | POST /api/v3/merchants/kyc_document/aadhaar_xml_offline | Uploads the merchant's offline Aadhaar XML file for KYC. |
| Use case → Reference | command / primary value | Description |
|---|
| Generate the merchant agreement — Generate Merchant Agreement for E-sign API | POST /v3/merchants/{merchant_uuid}/generate_agreement_for_esign | Generates the merchant agreement document for electronic signing. |
| Send an OTP to the signatory — Send OTP to Signatory Email API | POST /v3/merchants/{merchant_uuid}/agreements/{agreement_uuid}/send_signatory_otp | Sends an OTP to the merchant's signatory for agreement signing. |
| E-sign the merchant agreement — E-Sign Merchant Agreement API | POST /v3/merchants/{merchant_uuid}/agreements/{agreement_uuid}/esign | Uses the signatory OTP to electronically sign the merchant agreement. |
