Collect Payments with BNPL Link and Pay

BNPL like Lazypay and Simpl allow your customers to checkout in "Click and Pay Later" with no hidden charges, while you get paid upfront.

You can integrate with PayU’s Pay Later stack to enable the one-click checkout feature on the payment page, across BNPLs that support link and pay flow.

Benefits and Customer Journey

Benefits for your customers

100% secure payments.
Frictionless one-tap checkout experience.
Pay later with 0% interest and no hidden charges.
An easy sign-up process.

Advantages

90%+ payment success rates.
Increase in cart conversion rates.
Improve user retention by providing a seamless checkout experience.
Bump in average order value.

📘
Note:

PayU will extend this solution for other payment options within BNPL and be expanded to wallet partners shortly.

The same integration will enable you to integrate all such supported payment options.

Customer Journey

The customer journey involves the First-time User and Repeat User flows:

The following steps demonstrate how Rahul (for example) makes his first transaction using Pay Later on your website or mobile app (let’s call it Demoshop):

First Time Flow

Rahul logs in to your Demoshop, adds products/services to the cart, and proceeds to the checkout page.
Even before landing on the checkout page, Demoshop initiates Eligibility API to check if Rahul is eligible.
Post getting a successful eligibility response, the respective BNPL option will be shown to Rahul. (In case Rahul is not eligible, the respective lender option will be hidden/disabled on Demoshop.)
Rahul clicks on his preferred BNPL lender’s button for which he is eligible, say Lazypay in this case. If Rahul is transacting for the first time on your Demostore, he will have to link his Lazypay account with Demoshop. (While for subsequent transactions, the transactions would be 1-click)
Rahul will continue his transaction and go in the OTP authentication step.
Lazypay sends an OTP for verification which John enters as part of the linking flow and also to complete his first transaction
Once the linking is completed successfully, Lazypay shares an access token which is used for further subsequent transactions.

Repeat User Flow

The following steps demonstrate how Rahul makes his subsequent transactions using Lazypay on Demoshop:

Rahul comes to Demoshop again. Demoshop initiates the eligibility API of the checkout page to check for his present status. Lazypay sends the current eligibility status as success.
Rahul clicks on Lazypay and Demoshop initiates the transaction directly. Demoshop initiates the payment call to successfully place the order.

📘
Note: User credentials will be the unique identifier for each user that will have to be passed by the merchant and will be used to identify each unique user. It will be string with the following format. abc:xyz (data type: string),abc corresponds to the merchant key and xyz corresponds to the user identifier. For example, BmzSVc:userid

The following steps are involved when collecting payment with <<glossary:BNPL>> using Link and Pay:

Check the BNPL eligibility
Initiate the payment
Check the response from PayU
Submit the OTP (First-Time flow only)

Step 1: Check the BNPL eligibility

Before you can initiate payment with PayU, you can check the eligibility using the Get EMI Checkout Details API. For more information, refer to Get EMI Checkout Details API.

Environment


Test Environment	<https://test.payu.in/info/linkAndPay/get_emi_checkout_details>
Production Environment	<https://info.payu.in/linkAndPay/get_emi_checkout_details>

Sample request

curl --location 'https://test.payu.in/info/linkAndPay/get_emi_checkout_details' \
--header 'x-credential-username: smsplus' \
--header 'Content-Type: application/json' \
--header 'authorization: hmac username="x0i6r2", algorithm="sha512", headers="date", signature="0e0ebc518c085d8ff49058b7c232bfe2e8779e9e9cafd34a4cdf1c11114035eea75b0e404a9b9e152757dbcc4926f78b6f18ba7f6643e2bf687a65942d3bde38"' \
--header 'date: Mon, 28 Oct 2024 10:34:49 GMT' \
--data '{
    "amount": 2000000,
    "userCredentials": "aaa:bbb",
    "phone": "9560012582",
    "bankCode": null,
    "payuToken": null
}'

Sample response

{
     "bnpl": {
         "all": [
             {
                 "Lazypay": {
                     "status": 1,
                     "kfsLink": https://www.somekfsLink.com, // only if applicable
                     "eligible": true,
                     "customerLinked": true,

                      “PayuToken”: “Token12345”
                 },
                 "Simpl": {
                     "status": 1,
                     "availableBalance": 500, // only if applicable
                     "kfsLink": https://www.somekfsLink.com, // only if applicable
                     "eligible": true,
                     "customerLinked": true,

                     “PayuToken”: “Token78901”

                 }
             }
         ]
     }
 }

Step 2: Initiate the payment

You can initiate the payment using the _payment API along with the following additional parameters as in Merchant Hosted Checkout Integration for BNPL. For complete list of parameters and "Try It" experience on API Reference, refer to Collect Payment API - S2S Link and Pay.

📘
Notes:

The txn_s2s_flow parameter must be passed with the value 4 for OneClick checkout flow.

User credentials is a request parameter in the payment request which will be the unique identifier for each user that will have to be passed by the merchant and will be used to identify each unique user. It can be string with the following format. abc:xyz (data type: string), abc corresponds to the merchant key and xyz corresponds to the user identifier. For example, BmzSVc: userid

<PaymentAPIEnvironment />

Request parameters

📘
Reference: For Try It experience, refer to Collect Payments API - BNPL under API Reference.

Parameter	Description	Example
key `mandatory`	`String`Merchant key provided by PayU during onboarding.	JPg***r
txnid `mandatory`	`String`The transaction ID is a reference number for a specific order that is generated by the merchant.	ypl938459435
amount `mandatory`	`String`The payment amount for the transaction.	10.00
productinfo `mandatory`	`String`A brief description of the product.	iPhone
firstname `mandatory`	`String` The first name of the customer.	Ashish
email `mandatory`	`String`The email address of the customer.	[email protected]
phone `mandatory`	`String`The phone number of the customer.
pg `mandatory`	String It defines the payment category using the Merchant Hosted Checkout integration. For a BNPL payment, "BNPL" must be specified in the pg parameter.	BNPL
bankcode `mandatory`	`String` The merchant must post this parameter with the corresponding payment option’s bank code value in it. For the list of bankcodes for BNPL, refer to BNPL Codes .	LAZYPAY
furl `mandatory`	`String`The success URL, which is the page PayU will redirect to if the transaction is successful.
surl `mandatory`	`String`The Failure URL, which is the page PayU will redirect to if the transaction is failed.
txn_s2s_flow `mandatory`	`String` Pass the values as 4 for Link & Pay.	4
LinkAndPayFlowType `mandatory`	`String`This parameter can contain any of the following values: - 0: If the value is 1, then auto-debit will be preferred if customer is found already linked for the payment instrument basis result of the API and final captured / failure response will be returned. 1: If value is 0, then the request will be considered as a standard native OTP request and transaction in progress response will be returned with OTP sent to the customer by the issuer	1
LinkAndPayFlowDetails `mandatory`	`String` This parameter is to include additional details are required.	abc:xyz
storecard_token_type `optional`	`String` This parameter is used to specify the store card token type for stored card. For this scenario, you must include 0.	1
storecard_token `optional`	`String`This parameter must include the token generated by PayU for the payment instrument and applicable for stored card only. Note: Either pass PayU token or user credentials with mobile number for customer identification	123456
user_credentials `mandatory`	String` Unique user credential mapped against each user, to be passed by the merchant..
hash `mandatory`	`String`It is the hash calculated by the merchant. The hash calculation logic is: `sha512(key\|txnid\|amount\|productinfo\|firstname\|email\|udf1\|udf2\|udf3\|udf4\|udf5\|\|\|\|\|\|SALT)`
address1 `optional`	`String` The first line of the billing address. For Fraud Detection: This information is helpful when it comes to issues related to fraud detection and chargebacks. Hence, it is must to provide the correct information.
address2 `optional`	`String` The second line of the billing address.
city `optional`	`String` The city where your customer resides as part of the billing address.
state `optional`	`String` The state where your customer resides as part of the billing address,
country `optional`	`String` The country where your customer resides.
zipcode `optional`	`String` Billing address zip code is mandatory for the cardless EMI option. `Character Limit`-20
udf1 `optional`	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction. You can use up to five udfs in the post designated as udf1, udf2, udf3, udf4, udf5.
udf2 `optional`	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction. You can use up to five udfs in the post designated as udf1, udf2, udf3, udf4, udf5.
udf3 `optional`	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction.
udf4 `optional`	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction.
udf5 `optional`	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction.

<HashingRequestParameters />

Sample request

curl --request POST \
     --url https://test.payu.in/_payment \
     --header 'accept: application/json' \
     --header 'content-type: application/x-www-form-urlencoded' \
     --data key=JPM7Fg \
     --data pg=BNPL \
     --data txn_s2s_flow=4 \
     --data LinkAndPayFlowType=1 \
     --data LinkAndPayFlowDetails=1 \
     --data txnid=951bccfde0ac54f75612 \
     --data amount=2 \
     --data productinfo=Product Info \
     --data firstname=Ashish \
     --data [email protected] \
     --data phone=9123412345 \
     --data surl=https://apiplayground-response.herokuapp.com/ \
     --data furl=https://apiplayground-response.herokuapp.com/ \
     --data hash=02647d079d45737aede205a5bf0060ffcf32b5104facebaf901b479b958d80a0e0e88c9edd4f5c9a0576c7bc1688cce15957759029a0e58f5699b8a696c98d10 \
     --data user_credentials=abc:xyz

Step 3: Check the response from PayU

Sample response

📘
Notes:
There will be different scenarios and the response according to different scenarios:

Repeat User Flow: If the customer’s account is linked and auto-debit is success:

Repeat User Flow: If the customer’s account is linked and auto debit fails (eg. Customer not eligible, Failed at Payment Option’s end)

First Time User Flow: If customer is eligible, but is not linked: This is the registration flow, where a first-time user is paying on a merchant with the specific payment option

Success scenario

Repeat User Flow: Auto-debit Successful

This is the case where Customer’s account is liked & Auto debit is also successful

{
  "metaData": {
    "message": "No Error",
    "referenceId": "748e033af87f1bb7b6aefd405bec9473",
    "statusCode": "E000",
    "txnId": "951bccfde0ac54f75612",
    "unmappedStatus": "success",
    "submitOtp": {
      "status": "success"
    }
  },
  "result": {
    "link_and_pay": {
      "customerLinked": "true",
      "payuToken": "token12345"
    },
    "mihpayid": "18828133385",
    "mode": "BNPL",
    "status": "success",
    "key": "smsplus",
    "txnid": "951bccfde0ac54f75612",
    "amount": "2.00",
    "addedon": "2023-12-27 18:13:41",
    "productinfo": "Product Info",
    "firstname": "Ashish",
    "lastname": "",
    "address1": "",
    "address2": "",
    "city": "",
    "state": "",
    "country": "",
    "zipcode": "",
    "email": "[email protected]",
    "phone": "9123412345",
    "udf1": "",
    "udf2": "",
    "udf3": "",
    "udf4": "",
    "udf5": "",
    "udf6": "",
    "udf7": "",
    "udf8": "",
    "udf9": "",
    "udf10": "",
    "card_token": "",
    "card_no": "",
    "field0": "",
    "field1": "9582567614",
    "field2": "EMI1014338639070843702",
    "field3": "Transaction is successful",
    "field4": "bnpl",
    "field5": "VFhOMzk2MjA3ODY2",
    "field6": "TXN396207866",
    "field7": "PAYMENT_SUCCESSFUL",
    "field8": "SUCCESS",
    "field9": "Transaction is successful",
    "payment_source": "payuPureS2S",
    "PG_TYPE": "BNPL-PG",
    "error": "E000",
    "error_Message": "No Error",
    "net_amount_debit": "2.07",
    "discount": "0.00",
    "offer_key": "",
    "offer_availed": "",
    "additionalCharges": "0.07",
    "unmappedstatus": "captured",
    "hash": "3a7742e5d9284e4f43d349bf1a5ff04353a099920ced98330fab15728841b6c772f00f83163c491d8954ead0c9a1dee7af94d67ddc539ff6cb2d0246baed8148",
    "bank_ref_no": "TXN396207866",
    "bank_ref_num": "TXN396207866",
    "bankcode": "LAZYPAY",
    "surl": "https://admin.payu.in/test_response",
    "curl": "https://admin.payu.in/test_response",
    "furl": "https://admin.payu.in/test_response"
  }
}

Failure scenario

Repeat User Flow: Auto-debit Failed

{
  "metaData": {
    "message": "The customer is not eligible for this transaction",
    "referenceId": "423fe9bfebdb2f92b8ae95a125aff397",
    "statusCode": "E2401",
    "txnId": "4223974b64f88ab4e3a1",
    "txnStatus": "failed",
    "unmappedStatus": "failure"
  },
  "result": {
    "link_and_pay": {
      "customerLinked": "true",
      "payuToken": "token12345"
    }
  }
}

Failed at Payment option’s end

{
  "metaData": {
    "message": "Transaction Failed at bank end.",
    "referenceId": "ea68a970115a9d87c6ece8d0218e6c2a",
    "statusCode": "E308",
    "txnId": "54d2d883f8e4a3fff6ba",
    "txnStatus": "failed",
    "unmappedStatus": "failure"
  },
  "result": {
    "link_and_pay": {
      "customerLinked": "true",
      "payuToken": "token12345" // can be null or "" <empty string>
    }
  }
}

Handling response

📘
Notes:
To request OTP on a page, you can utilize the URLs in the response itself. There are two URLs to use:

otpPostUrl (Merchant Hosted OTP page)

acsTemplate (PayU Hosted OTP page) which acts as a fallback

If you are getting a URL in otpPostUrl, use otpPostUrl, otherwise, you can use acsTemplate, which acts as a fallback. In this scenario, use PayU (or WebView or Checkout) OTP page as this is a fallback case. Hence, for cases where the above response is not successful, it could either be Failed or Pending. In the Pending state, you can send a fallback URL (as above) which can be shown to the customer.

Step 4: Submit the OTP (for First time Flow only)

You can submit the OTP using any of the following methods:

Capture the OTP natively on your interface
Use fallback option to redirect to Payu page to capture OTP

Capture the OTP natively on your interface

After you have collected the OTP from the customer, the reference ID can be found in the Collect Payment API (_payment) response. Submit the OTP that is entered by the customer is submitted along with the reference ID using the **Submit OTP **API. For more information, refer to Submit OTP API.

Capture the OTP after redirection to Payu page

The redirect URL would be shared as part of the payment response in acsTemplate using which customer can be redirected to Payu page:

<html> <body> <form name="payment_post" id="payment_post" action="https://test.payu.in/ _payment_options?mihpayid=1983a7cf520b567155ed95ca181e37e3&resendEligibilityRes =3594c73b18f7ca9e8146f0bb3d0bd8429e5a20c2f61d778bfd0fb4b0d430ebd21a8d8ff20e7775 8c903a71fe22d39d1494127034ed7d505237cb6f7bf80cc3107a02cbd22217c19f6662efac8e8f8 3dca902470a981bdd0a0c03847d546f41ad8f3066b2ccc8a359e03032953f36112d0e551ec19ba7 1954dfe788d18a28ac7609ba53bd77548cffb81882347fc8b97315509afdf8a0894443cf91e0b1f de84594bee6fc9d39da884f3021eb2224618e2c7f115a02057051987220ec7864ecc44a012417e4 880b187ee1f12363a25a4bec62d8322eb1b185195a714124b5de94309a6dce42ef441464d3462e7 809670c" method="post"></form> <script type='text/javascript'> window.onload=function(){ document.forms['payment_post'].submit(); } </script> </body> </html>

On opening the above HTML, you will get a PayU checkout OTP page similar to the following screenshot:

From here, the steps are as in PayU Hosted (non-seamless) or Merchant Hosted or Server-to-Server (seamless) transactions.

Handling incorrect OTP submission

Incorrect OTP Submission is allowed 3 times in total (1 + 2 retries), post which the transaction fails. Scenarios are described as follows:

📘
Note: If the customer enters the incorrect OTP or OTP has expired, you need to resend the OTP to the customer using the Resend OTP API and then submit using the Submit OTP API. For more information, refer to Collect Payments with BNPL-Merchant Hosted Checkout

Case 1: With 1st Incorrect retry OTP attempt

{
    "metaData": {
        "message": "Unauthorized",
        "referenceId": "ac2155676982514fd2e3199e83a9c9ec",
        "txnId": "ad5a54b6af3e52ab24d6",
        "unmappedStatus": "in progress",
        "submitOtp": {
            "status": "in progress",
            "retryAttemptCount": "2"
        }
    },
    "result": null
}

Case 2: With 2nd Incorrect retry OTP attempt

{
    "metaData": {
        "message": "Unauthorized",
        "referenceId": "ac2155676982514fd2e3199e83a9c9ec",
        "txnId": "ad5a54b6af3e52ab24d6",
        "unmappedStatus": "in progress",
        "submitOtp": {
            "status": "in progress",
            "retryAttemptCount": "1"
        }
    },
    "result": null
}

📘
Note: The driving factor here is retryAttemptCount. In case 1, retryAttemptCount was 2, whereas it is 1 in case 2.

📘
Reference: If your customer fails to authorize the payment due to incorrect OTP submission or the OTP was submitted after OTP had expired, they can request another OTP based on the number of retry attempts remaining using the Resend OTP API. For more information, refer to Resend OTP API.

Step 5: Verify the payment

Upon receiving the response, we recommend performing a reconciliation step to validate all transaction details.
You can verify your payments using either of the following methods:

Updated about 19 hours ago

Benefits and Customer Journey

Note:

First Time Flow

Repeat User Flow

Step 1: Check the BNPL eligibility

Step 2: Initiate the payment

Notes:

Step 3: Check the response from PayU

Notes:

Success scenario

Failure scenario

Notes:

Step 4: Submit the OTP (for First time Flow only)

Step 5: Verify the payment

EXAMPLE QUESTIONS