Cardless EMI - Merchant Hosted Checkout Integration

When your customer wants to opt for the Cardless EMI option, you can use the EMI APIs to check the customer’s eligibility and get the EMI amount, interest, processing fee, or No-Cost EMI and tenure. If the customer is eligible, you can post the Cardless EMI transaction.

📘
Handle Guest Checkout Transaction: You can handle Guest Checkout transactions for EMI integration. For more information, refer to Cards Integration > Handling Guest Checkout Transactions.

Steps to integrate

1. Check the Cardless EMI Eligibility

Check whether the customer is eligible for cardless EMI. For New to Bank (NTB) customers, also check main eligibility with the customer's details.

2. Initiate the Payment

Post the Cardless EMI payment request to PayU using the Collect Payment API

3. Check the Response from PayU

Handle and process the response received from PayU after payment initiation

4. Verify Payment

Confirm the payment status and ensure successful transaction completion

Step 1: Check the cardless EMI eligibility

Step 1a: Check customer eligibility

After collecting the customer’s mobile number and the amount to be paid, check the Cardless EMI eligibility based on the customer’s mobile using the Get Checkout Details API (get_checkout_details) API. For more information, refer to Get Checkout Details API

To find out whether the customer is New to Bank (NTB) for a cardless EMI lender, set useCase.checkNTBCustomerEligibility to true in the var1 JSON along with useCase.checkCustomerEligibility.

📘
The NTB journey must be enabled for your PayU account. Contact your PayU Key Account Manager (KAM) to enable it.

Environment	URL
Production	`https://info.payu.in/merchant/postservice?form=2`
Test	`https://test.payu.in/merchant/postservice?form=2`

Sample request

curl --location 'https://test.payu.in/merchant/postservice?form=2' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'key=JP***g' \
--data-urlencode 'command=get_checkout_details' \
--data-urlencode 'var1={"requestId":"9078698a15d746feadcffbdaf979a198","transactionDetails":{"amount":10000},"customerDetails":{"mobile":"9876543210"},"filters":{"paymentOptions":{"emi":{"cardless":"all"}}},"useCase":{"checkCustomerEligibility":true,"checkNTBCustomerEligibility":true}}' \
--data-urlencode 'hash={{hash}}'

import requests

url = "https://test.payu.in/merchant/postservice?form=2"

headers = {
    "Content-Type": "application/x-www-form-urlencoded"
}

data = {
    "key": "JP***g",
    "command": "get_checkout_details",
    "var1": '{"requestId":"9078698a15d746feadcffbdaf979a198","transactionDetails":{"amount":10000},"customerDetails":{"mobile":"9876543210"},"filters":{"paymentOptions":{"emi":{"cardless":"all"}}},"useCase":{"checkCustomerEligibility":true,"checkNTBCustomerEligibility":true}}',
    "hash": "{{hash}}"  # sha512(key|command|var1|SALT)
}

try:
    response = requests.post(url, headers=headers, data=data)
    print("Status Code:", response.status_code)
    print("Response:", response.text)
except requests.exceptions.RequestException as e:
    print("Error:", e)

using System;
using System.Collections.Generic;
using System.Net.Http;
using System.Threading.Tasks;

class Program
{
    static async Task Main(string[] args)
    {
        var client = new HttpClient();

        var formData = new List<KeyValuePair<string, string>>
        {
            new KeyValuePair<string, string>("key", "JP***g"),
            new KeyValuePair<string, string>("command", "get_checkout_details"),
            new KeyValuePair<string, string>("var1", "{\"requestId\":\"9078698a15d746feadcffbdaf979a198\",\"transactionDetails\":{\"amount\":10000},\"customerDetails\":{\"mobile\":\"9876543210\"},\"filters\":{\"paymentOptions\":{\"emi\":{\"cardless\":\"all\"}}},\"useCase\":{\"checkCustomerEligibility\":true,\"checkNTBCustomerEligibility\":true}}"),
            new KeyValuePair<string, string>("hash", "{{hash}}") // sha512(key|command|var1|SALT)
        };

        var content = new FormUrlEncodedContent(formData);

        try
        {
            var response = await client.PostAsync("https://test.payu.in/merchant/postservice?form=2", content);
            string responseBody = await response.Content.ReadAsStringAsync();
            Console.WriteLine("Status Code: " + response.StatusCode);
            Console.WriteLine("Response: " + responseBody);
        }
        catch (HttpRequestException e)
        {
            Console.WriteLine("Error: " + e.Message);
        }
    }
}

async function getCheckoutDetails() {
    const url = "https://test.payu.in/merchant/postservice?form=2";

    const formData = new URLSearchParams();
    formData.append("key", "JP***g");
    formData.append("command", "get_checkout_details");
    formData.append("var1", JSON.stringify({
        requestId: "9078698a15d746feadcffbdaf979a198",
        transactionDetails: { amount: 10000 },
        customerDetails: { mobile: "9876543210" },
        filters: { paymentOptions: { emi: { cardless: "all" } } },
        useCase: {
            checkCustomerEligibility: true,
            checkNTBCustomerEligibility: true
        }
    }));
    formData.append("hash", "{{hash}}"); // sha512(key|command|var1|SALT)

    try {
        const response = await fetch(url, {
            method: "POST",
            headers: { "Content-Type": "application/x-www-form-urlencoded" },
            body: formData.toString()
        });

        const data = await response.text();
        console.log("Status Code:", response.status);
        console.log("Response:", data);
    } catch (error) {
        console.error("Error:", error);
    }
}

getCheckoutDetails();

import java.io.*;
import java.net.*;
import java.nio.charset.StandardCharsets;

public class GetCheckoutDetails {
    public static void main(String[] args) {
        try {
            URL url = new URL("https://test.payu.in/merchant/postservice?form=2");
            HttpURLConnection conn = (HttpURLConnection) url.openConnection();
            conn.setRequestMethod("POST");
            conn.setRequestProperty("Content-Type", "application/x-www-form-urlencoded");
            conn.setDoOutput(true);

            String var1 = "{\"requestId\":\"9078698a15d746feadcffbdaf979a198\","
                + "\"transactionDetails\":{\"amount\":10000},"
                + "\"customerDetails\":{\"mobile\":\"9876543210\"},"
                + "\"filters\":{\"paymentOptions\":{\"emi\":{\"cardless\":\"all\"}}},"
                + "\"useCase\":{\"checkCustomerEligibility\":true,\"checkNTBCustomerEligibility\":true}}";

            String formData = "key=" + URLEncoder.encode("JP***g", "UTF-8")
                + "&command=" + URLEncoder.encode("get_checkout_details", "UTF-8")
                + "&var1=" + URLEncoder.encode(var1, "UTF-8")
                + "&hash=" + URLEncoder.encode("{{hash}}", "UTF-8"); // sha512(key|command|var1|SALT)

            try (OutputStream os = conn.getOutputStream()) {
                os.write(formData.getBytes(StandardCharsets.UTF_8));
            }

            System.out.println("Status Code: " + conn.getResponseCode());

            BufferedReader reader = new BufferedReader(new InputStreamReader(conn.getInputStream(), StandardCharsets.UTF_8));
            StringBuilder response = new StringBuilder();
            String line;
            while ((line = reader.readLine()) != null) {
                response.append(line);
            }
            reader.close();

            System.out.println("Response: " + response);
        } catch (Exception e) {
            System.out.println("Error: " + e.getMessage());
        }
    }
}

<?php

$url = "https://test.payu.in/merchant/postservice?form=2";

$postFields = http_build_query([
    "key"     => "JP***g",
    "command" => "get_checkout_details",
    "var1"    => json_encode([
        "requestId"          => "9078698a15d746feadcffbdaf979a198",
        "transactionDetails" => ["amount" => 10000],
        "customerDetails"    => ["mobile" => "9876543210"],
        "filters"            => [
            "paymentOptions" => [
                "emi" => ["cardless" => "all"]
            ]
        ],
        "useCase" => [
            "checkCustomerEligibility"    => true,
            "checkNTBCustomerEligibility" => true
        ]
    ]),
    "hash" => "{{hash}}" // sha512(key|command|var1|SALT)
]);

$ch = curl_init();

curl_setopt_array($ch, [
    CURLOPT_URL            => $url,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST           => true,
    CURLOPT_POSTFIELDS     => $postFields,
    CURLOPT_HTTPHEADER     => ["Content-Type: application/x-www-form-urlencoded"]
]);

$response = curl_exec($ch);

if (curl_error($ch)) {
    echo "Error: " . curl_error($ch);
} else {
    echo "Status Code: " . curl_getinfo($ch, CURLINFO_HTTP_CODE) . "\n";
    echo "Response: " . $response . "\n";
}

curl_close($ch);
?>

Sample response

✅
The response shows the cardless EMI lenders and tenures the customer is eligible for. Show only the eligible tenures (eligibility.status: true) to your customer.

How to read the response

Customer type	What the response contains	What to do next
ETB (pre-approved)	The lender (for example, `LPEMI`) appears under `emi.all.cardless.all` with `tenureOptions`, and the eligible tenures have `eligibility.status: true`.	Show the eligible tenures and go to Step 2.
NTB	The lender appears under `emi.ntb.cardless.all` with `eligibility.status: true`, but without `tenureOptions`.	Collect the customer's details and go to Step 1b.
Not eligible	The lender has `eligibility.status: false` with a `reason`.	Don't show this lender. Offer the customer another payment option.

GCD response — customer is ETB

{
  "httpCode": "200",
  "message": "",
  "status": 1,
  "data": {
    "details": {
      "paymentOption": {
        "emi": {
          "all": {
            "cardless": {
              "all": {
                "BIMAPAY": {
                  "tenureOptions": {
                    "BIMAP03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } },
                    "BIMAP06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": true } },
                    "BIMAPAY": { "tenure": 0, "maximumAmount": null, "eligibility": { "status": true } },
                    "BIMAP09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": true } },
                    "BIMAP12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                },
                "SMPI3": {
                  "tenureOptions": {
                    "SMPI03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                },
                "ICICI_CL": {
                  "tenureOptions": {
                    "ICICIC12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": true } },
                    "ICICIC03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } },
                    "ICICIC09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": true } },
                    "ICICIC06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                },
                "LPEMI": {
                  "tenureOptions": {
                    "LPEMI12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": true } },
                    "LPEMI": { "tenure": 0, "maximumAmount": null, "eligibility": { "status": true } },
                    "LPEMI09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": true } },
                    "LPEMI03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } },
                    "LPEMI06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                },
                "HDFC_CL": {
                  "tenureOptions": {
                    "HDFCCL09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL18": { "tenure": 18, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                }
              },
              "hasEligible": true
            }
          }
        }
      }
    }
  }
}

GCD response — customer is NTB

Scenario: The customer is NTB for LazyPay EMI (LPEMI). LPEMI appears under emi.ntb.cardless.all without tenures. Check main eligibility in Step 1b.

{
  "httpCode": "200",
  "message": "",
  "status": 1,
  "data": {
    "details": {
      "paymentOption": {
        "emi": {
          "all": {
            "cardless": {
              "all": {
                "BIMAPAY": {
                  "tenureOptions": {
                    "BIMAP03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } },
                    "BIMAP06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": true } },
                    "BIMAPAY": {
                      "tenure": 0,
                      "maximumAmount": null,
                      "eligibility": {
                        "status": false,
                        "reason": "This mobile number is not eligible. Please change the mobile number."
                      }
                    },
                    "BIMAP09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": true } },
                    "BIMAP12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                },
                "SMPI3": {
                  "tenureOptions": {
                    "SMPI03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                },
                "ICICI_CL": {
                  "tenureOptions": {
                    "ICICIC12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": true } },
                    "ICICIC03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } },
                    "ICICIC09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": true } },
                    "ICICIC06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                },
                "HDFC_CL": {
                  "tenureOptions": {
                    "HDFCCL09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL18": { "tenure": 18, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                }
              },
              "hasEligible": true
            }
          },
          "ntb": {
            "cardless": {
              "all": {
                "LPEMI": {
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                }
              },
              "hasEligible": true
            }
          }
        }
      }
    }
  }
}

GCD response — customer is not eligible

Scenario: The customer is not eligible for LazyPay EMI (LPEMI). Every LPEMI tenure has eligibility.status: false.

{
  "httpCode": "200",
  "message": "",
  "status": 1,
  "data": {
    "details": {
      "paymentOption": {
        "emi": {
          "all": {
            "cardless": {
              "all": {
                "SMPI3": {
                  "tenureOptions": {
                    "SMPI03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                },
                "LPEMI": {
                  "tenureOptions": {
                    "LPEMI12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": false, "reason": "User is not eligible for cof product" } },
                    "LPEMI": { "tenure": 0, "maximumAmount": null, "eligibility": { "status": false, "reason": "User is not eligible for cof product" } },
                    "LPEMI09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": false, "reason": "User is not eligible for cof product" } },
                    "LPEMI03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": false, "reason": "User is not eligible for cof product" } },
                    "LPEMI06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": false, "reason": "User is not eligible for cof product" } }
                  },
                  "maximumAmount": null,
                  "eligibility": {
                    "status": false,
                    "reason": "Customer not eligible for EMI"
                  }
                },
                "HDFC_CL": {
                  "tenureOptions": {
                    "HDFCCL09": { "tenure": 9, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL18": { "tenure": 18, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL06": { "tenure": 6, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL03": { "tenure": 3, "maximumAmount": null, "eligibility": { "status": true } },
                    "HDFCCL12": { "tenure": 12, "maximumAmount": null, "eligibility": { "status": true } }
                  },
                  "maximumAmount": null,
                  "eligibility": { "status": true }
                }
              },
              "hasEligible": true
            }
          }
        }
      }
    }
  }
}

Step 1b: Check Main Eligibility for NTB Customer

If Get Checkout Details shows the customer is New to the Bank (NTB) for LazyPay, you must obtain full eligibility using Get EMI Checkout Details (GECD). Collect the required personal information (PI) from the customer and include it in the GECD request to check main eligibility. When the customer is eligible, the response includes the down payment, and any applicable fees (similar to the pre-approved path).

Environment	URL
Production	`https://info.payu.in/info/linkAndPay/get_emi_checkout_details`
Test	`https://test.payu.in/info/linkAndPay/get_emi_checkout_details`

Sample request

curl --location 'https://test.payu.in/info/linkAndPay/get_emi_checkout_details' \
--header 'x-credential-username: JP***g' \
--header 'Content-Type: application/json' \
--header 'authorization: hmac username="JP***g", algorithm="sha512", headers="date", signature="{{signature}}"' \
--header 'date: Wed, 21 Oct 2026 09:39:46 GMT' \
--data '{
    "bankCode": "LPEMI",
    "phone": "9876543210",
    "amount": "10000.00",
    "pg": "EMI",
    "checkCustomerEligibilityWithDetails": true,
    "customerDetails": {
        "panNumber": "ABCDE1234F",
        "dob": "01-01-1990",
        "zipcode": "560001",
        "firstName": "Ashish",
        "lastName": "Kumar",
        "bureauPullConsent": "false",
        "gender": "Male",
        "income": "100000",
        "employeeType": "Salaried"
    }
}'

import requests
import json

url = "https://test.payu.in/info/linkAndPay/get_emi_checkout_details"

headers = {
    "x-credential-username": "JP***g",
    "Content-Type": "application/json",
    "authorization": 'hmac username="JP***g", algorithm="sha512", headers="date", signature="{{signature}}"',
    "date": "Wed, 21 Oct 2026 09:39:46 GMT"
}

payload = {
    "bankCode": "LPEMI",
    "phone": "9876543210",
    "amount": "10000.00",
    "pg": "EMI",
    "checkCustomerEligibilityWithDetails": True,
    "customerDetails": {
        "panNumber": "ABCDE1234F",
        "dob": "01-01-1990",
        "zipcode": "560001",
        "firstName": "Ashish",
        "lastName": "Kumar",
        "bureauPullConsent": "false",
        "gender": "Male",
        "income": "100000",
        "employeeType": "Salaried"
    }
}

try:
    response = requests.post(url, headers=headers, data=json.dumps(payload))
    print("Status Code:", response.status_code)
    print("Response:", response.text)
except requests.exceptions.RequestException as e:
    print("Error:", e)

using System;
using System.Net.Http;
using System.Text;
using System.Threading.Tasks;

class Program
{
    static async Task Main(string[] args)
    {
        var client = new HttpClient();

        client.DefaultRequestHeaders.Add("x-credential-username", "JP***g");
        client.DefaultRequestHeaders.TryAddWithoutValidation("authorization", "hmac username=\"JP***g\", algorithm=\"sha512\", headers=\"date\", signature=\"{{signature}}\"");
        client.DefaultRequestHeaders.TryAddWithoutValidation("date", "Wed, 21 Oct 2026 09:39:46 GMT");

        var jsonBody = @"{
            ""bankCode"": ""LPEMI"",
            ""phone"": ""9876543210"",
            ""amount"": ""10000.00"",
            ""pg"": ""EMI"",
            ""checkCustomerEligibilityWithDetails"": true,
            ""customerDetails"": {
                ""panNumber"": ""ABCDE1234F"",
                ""dob"": ""01-01-1990"",
                ""zipcode"": ""560001"",
                ""firstName"": ""Ashish"",
                ""lastName"": ""Kumar"",
                ""bureauPullConsent"": ""false"",
                ""gender"": ""Male"",
                ""income"": ""100000"",
                ""employeeType"": ""Salaried""
            }
        }";

        var content = new StringContent(jsonBody, Encoding.UTF8, "application/json");

        try
        {
            var response = await client.PostAsync("https://test.payu.in/info/linkAndPay/get_emi_checkout_details", content);
            string responseBody = await response.Content.ReadAsStringAsync();
            Console.WriteLine("Status Code: " + response.StatusCode);
            Console.WriteLine("Response: " + responseBody);
        }
        catch (HttpRequestException e)
        {
            Console.WriteLine("Error: " + e.Message);
        }
    }
}

async function getEmiCheckoutDetails() {
    const url = "https://test.payu.in/info/linkAndPay/get_emi_checkout_details";

    const payload = {
        bankCode: "LPEMI",
        phone: "9876543210",
        amount: "10000.00",
        pg: "EMI",
        checkCustomerEligibilityWithDetails: true,
        customerDetails: {
            panNumber: "ABCDE1234F",
            dob: "01-01-1990",
            zipcode: "560001",
            firstName: "Ashish",
            lastName: "Kumar",
            bureauPullConsent: "false",
            gender: "Male",
            income: "100000",
            employeeType: "Salaried"
        }
    };

    try {
        const response = await fetch(url, {
            method: "POST",
            headers: {
                "x-credential-username": "JP***g",
                "Content-Type": "application/json",
                "authorization": 'hmac username="JP***g", algorithm="sha512", headers="date", signature="{{signature}}"',
                "date": "Wed, 21 Oct 2026 09:39:46 GMT"
            },
            body: JSON.stringify(payload)
        });

        const data = await response.text();
        console.log("Status Code:", response.status);
        console.log("Response:", data);
    } catch (error) {
        console.error("Error:", error);
    }
}

getEmiCheckoutDetails();

import java.io.*;
import java.net.*;
import java.nio.charset.StandardCharsets;

public class GetEmiCheckoutDetails {
    public static void main(String[] args) {
        try {
            URL url = new URL("https://test.payu.in/info/linkAndPay/get_emi_checkout_details");
            HttpURLConnection conn = (HttpURLConnection) url.openConnection();
            conn.setRequestMethod("POST");
            conn.setRequestProperty("x-credential-username", "JP***g");
            conn.setRequestProperty("Content-Type", "application/json");
            conn.setRequestProperty("authorization", "hmac username=\"JP***g\", algorithm=\"sha512\", headers=\"date\", signature=\"{{signature}}\"");
            conn.setRequestProperty("date", "Wed, 21 Oct 2026 09:39:46 GMT");
            conn.setDoOutput(true);

            String jsonBody = "{"
                + "\"bankCode\":\"LPEMI\","
                + "\"phone\":\"9876543210\","
                + "\"amount\":\"10000.00\","
                + "\"pg\":\"EMI\","
                + "\"checkCustomerEligibilityWithDetails\":true,"
                + "\"customerDetails\":{"
                +     "\"panNumber\":\"ABCDE1234F\","
                +     "\"dob\":\"01-01-1990\","
                +     "\"zipcode\":\"560001\","
                +     "\"firstName\":\"Ashish\","
                +     "\"lastName\":\"Kumar\","
                +     "\"bureauPullConsent\":\"false\","
                +     "\"gender\":\"Male\","
                +     "\"income\":\"100000\","
                +     "\"employeeType\":\"Salaried\""
                + "}"
                + "}";

            try (OutputStream os = conn.getOutputStream()) {
                os.write(jsonBody.getBytes(StandardCharsets.UTF_8));
            }

            System.out.println("Status Code: " + conn.getResponseCode());

            BufferedReader reader = new BufferedReader(new InputStreamReader(conn.getInputStream(), StandardCharsets.UTF_8));
            StringBuilder response = new StringBuilder();
            String line;
            while ((line = reader.readLine()) != null) {
                response.append(line);
            }
            reader.close();

            System.out.println("Response: " + response);
        } catch (Exception e) {
            System.out.println("Error: " + e.getMessage());
        }
    }
}

<?php

$url = "https://test.payu.in/info/linkAndPay/get_emi_checkout_details";

$payload = json_encode([
    "bankCode"                            => "LPEMI",
    "phone"                               => "9876543210",
    "amount"                              => "10000.00",
    "pg"                                  => "EMI",
    "checkCustomerEligibilityWithDetails" => true,
    "customerDetails"                     => [
        "panNumber"         => "ABCDE1234F",
        "dob"               => "01-01-1990",
        "zipcode"           => "560001",
        "firstName"         => "Ashish",
        "lastName"          => "Kumar",
        "bureauPullConsent" => "false",
        "gender"            => "Male",
        "income"            => "100000",
        "employeeType"      => "Salaried"
    ]
]);

$ch = curl_init();

curl_setopt_array($ch, [
    CURLOPT_URL            => $url,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST           => true,
    CURLOPT_POSTFIELDS     => $payload,
    CURLOPT_HTTPHEADER     => [
        "x-credential-username: JP***g",
        "Content-Type: application/json",
        'authorization: hmac username="JP***g", algorithm="sha512", headers="date", signature="{{signature}}"',
        "date: Wed, 21 Oct 2026 09:39:46 GMT"
    ]
]);

$response = curl_exec($ch);

if (curl_error($ch)) {
    echo "Error: " . curl_error($ch);
} else {
    echo "Status Code: " . curl_getinfo($ch, CURLINFO_HTTP_CODE) . "\n";
    echo "Response: " . $response . "\n";
}

curl_close($ch);
?>

Sample response

Success scenario

Response when registration got success

{
  "httpCode": "200",
  "message": "",
  "status": 1,
  "data": {
    "emi": {
      "ntb": {
        "cardless": {
          "all": {
            "LPEMI": {
              "tenureOptions": {
                "LPEMI12": {
                  "tenure": 12,
                  "maximumAmount": 100000.0,
                  "eligibility": {
                    "status": false,
                    "reason": "Tenure not available"
                  }
                },
                "LPEMI03": {
                  "tenure": 3,
                  "maximumAmount": 60000.0,
                  "eligibility": {
                    "status": true
                  }
                },
                "LPEMI09": {
                  "tenure": 9,
                  "maximumAmount": 100000.0,
                  "eligibility": {
                    "status": false,
                    "reason": "Tenure not available"
                  }
                },
                "LPEMI06": {
                  "tenure": 6,
                  "maximumAmount": 100000.0,
                  "eligibility": {
                    "status": true
                  }
                },
                "LPEMI": {
                  "tenure": 0,
                  "maximumAmount": 100000.0,
                  "eligibility": {
                    "status": false,
                    "reason": "Tenure not available"
                  }
                }
              },
              "eligibility": {
                "status": true
              }
            }
          },
          "hasEligible": true
        }
      }
    }
  }
}

Step 2: Initiate the payment

Post the following additional parameters for using the Cardless EMI. Check the response when you try enter the values in API Reference. For complete list of parameters, refer to Collect Payment API - EMI for the complete list parameters with Try It experience.

Request Parameters

Mandatory Parameters

Parameter	Description	Example
key	`String` Merchant key provided by PayU during onboarding.	JP****g
txnid	`String` The transaction ID is a reference number for a specific order that is generated by the merchant.
amount	`String` The payment amount for the transaction.
productinfo	`String` A brief description of the product.
firstname	`String` The first name of the customer.	Ashish
email	`String` The email address of the customer.	[email protected]
phone	`String` The phone number of the customer.
pg	`String` It defines the payment category. In this integration, "EMI" must be specified.	EMI
bankcode	`String` Post this parameter to identify payment options with unique bank codes and use getEmiAmountAccordingToInterest API to check for EMI code for corresponding tenure. For the list of EMI codes, refer to EMI Codes.	HDFCCL06
panNumber (mandatory for ICICI, HDFC Bank, and Homecredit Cardless EMI; not mandatory for other banks)	`String` PAN number of the customer.	ABCTY1234D
ccnum (mandatory only for Bajaj Finserv)	`String` Use 13-19 digit card number for credit/debit cards and validate with LUHN algorithm.	5123456789012346
surl	`String` The success URL, which is the page PayU will redirect to if the transaction is successful.
furl	`String` The Failure URL, which is the page PayU will redirect to if the transaction is failed.
hash	`String` It is the hash calculated by the merchant. The hash calculation logic is: SHA-512(key\|txnid\|amount\|productinfo\|firstname\|email\|udf1\|udf2\|udf3\|udf4\|udf5\|\|\|\|\|\|Salt)

Optional Parameters

Parameter	Description	Example
ccname	`String` This parameter must contain the name on card – as entered by the customer for the transaction.	Ashish Kumar
ccvv	`String` Use 3-digit CVV number for credit/debit cards and 4-digit security code (4DBC/CID) for AMEX cards. Validate with BIN API.	123
ccexpmon	`String` This parameter must contain the card's expiry month in MM format. For months 1-9, prepend 0. For months 10-12, use as-is.	10
ccexpyr	`String` This parameter must contain the card's expiry year in four digits.	2021
address1	`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	`String` The second line of the billing address.
city	`String` The city where your customer resides as part of the billing address.
state	`String` The state where your customer resides as part of the billing address.
country	`String` The country where your customer resides.
zipcode	`String` Billing address zip code is mandatory for the cardless EMI option. `Character Limit`-20
udf1	`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	`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	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction.
udf4	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction.
udf5	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction.

curl -X POST "https://test.payu.in/_payment" -H "accept: application/json" -H "Content-Type: application/x-www-form-urlencoded" -d"key=JP***g&txnid=EaE4ZO3vU4iPsp&amount=10.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=EMI&bankcode=EMI03&surl=https://apiplayground-response.herokuapp.com/&furl=https://apiplayground-response.herokuapp.com/&ccnum=1234&ccexpmon=05&ccexpyr=2022&ccvv=123&ccname=undefined&store_card_token=1234 4567 2456 3566&storecard_token_type=1&additional_info={“last4Digits”: “1234”, “tavv”: “ABCDEFGH”,”trid”:”1234567890”, “tokenRefNo”:”abcde123456”}&hash=fc3206829a6b4f8e300aeefb8f91add568b83dc90d01383a8e16553cc9600a3aefd4be2e370d32f0315ef1b9f28740515a9556b55abfefa7b54b434f894c9304"

/**
 * PayU Cardless EMI Payment Integration using Fetch API
 * 
 * IMPORTANT: This should only be executed server-side (e.g., in Node.js), never in the browser,
 * as it contains sensitive payment information.
 */

// Payment endpoint
const url = 'https://test.payu.in/_payment';

// Additional info as a JSON object
const additionalInfo = {
  "last4Digits": "1234",
  "tavv": "ABCDEFGH",
  "trid": "1234567890",
  "tokenRefNo": "abcde123456"
};

// Form data parameters
const formData = new URLSearchParams();
formData.append('key', 'JP***g');                  // Your merchant key
formData.append('txnid', 'EaE4ZO3vU4iPsp');       // Unique transaction ID
formData.append('amount', '10.00');               // Payment amount
formData.append('firstname', 'Ashish');           // Customer's name
formData.append('email', '[email protected]');       // Customer's email
formData.append('phone', '9876543210');           // Customer's phone
formData.append('productinfo', 'iPhone');         // Product information
formData.append('pg', 'EMI');                     // Payment gateway (EMI)
formData.append('bankcode', 'EMI03');             // Bank code (Cardless EMI provider)
formData.append('surl', 'https://apiplayground-response.herokuapp.com'); // Success URL
formData.append('furl', 'https://apiplayground-response.herokuapp.com'); // Failure URL
// Token and card details
formData.append('ccnum', '1234');                 // Limited card details for verification
formData.append('ccexpmon', '05');                // Expiry month
formData.append('ccexpyr', '2022');               // Expiry year 
formData.append('ccvv', '123');                   // CVV
formData.append('ccname', 'undefined');           // Cardholder name
formData.append('store_card_token', '1234 4567 2456 3566'); // Tokenized card
formData.append('storecard_token_type', '1');     // Token type
formData.append('additional_info', JSON.stringify(additionalInfo)); // Tokenization details
// Security hash
formData.append('hash', 'fc3206829a6b4f8e300aeefb8f91add568b83dc90d01383a8e16553cc9600a3aefd4be2e370d32f0315ef1b9f28740515a9556b55abfefa7b54b434f894c9304');

// Request options
const requestOptions = {
  method: 'POST',
  headers: {
    'accept': 'application/json',
    'Content-Type': 'application/x-www-form-urlencoded'
  },
  body: formData
};

// Execute the request
fetch(url, requestOptions)
  .then(response => {
    console.log('Status Code:', response.status);
    return response.text(); // or response.json() if you're sure it returns JSON
  })
  .then(data => {
    console.log('Response:', data);
    // Process payment response here
  })
  .catch(error => {
    console.error('Error:', error);
  });

import urllib.request
import urllib.parse
import json
from typing import Dict, Any

def process_cardless_emi_payment() -> Dict[str, Any]:
    """
    Process cardless EMI payment using PayU's Merchant Hosted Checkout
    
    IMPORTANT: This is a server-side function. Never expose payment details to client-side code.
    
    Returns:
        Dictionary with response from PayU API
    """
    # API endpoint
    url = "https://test.payu.in/_payment"
    
    # Additional info as a dictionary
    additional_info = {
        "last4Digits": "1234",
        "tavv": "ABCDEFGH",
        "trid": "1234567890",
        "tokenRefNo": "abcde123456"
    }
    
    # Prepare the form data
    payload = {
        "key": "JP***g",                     # Your merchant key
        "txnid": "EaE4ZO3vU4iPsp",           # Unique transaction ID
        "amount": "10.00",                   # Payment amount
        "firstname": "Ashish",               # Customer's name
        "email": "[email protected]",           # Customer's email
        "phone": "9876543210",               # Customer's phone
        "productinfo": "iPhone",             # Product information
        "pg": "EMI",                         # Payment gateway (EMI)
        "bankcode": "EMI03",                 # Bank code (Cardless EMI provider)
        "surl": "https://apiplayground-response.herokuapp.com", # Success URL
        "furl": "https://apiplayground-response.herokuapp.com", # Failure URL
        # Token and card details
        "ccnum": "1234",                     # Limited card details for verification
        "ccexpmon": "05",                    # Expiry month
        "ccexpyr": "2022",                   # Expiry year
        "ccvv": "123",                       # CVV
        "ccname": "undefined",               # Cardholder name
        "store_card_token": "1234 4567 2456 3566", # Tokenized card
        "storecard_token_type": "1",         # Token type
        "additional_info": json.dumps(additional_info), # Tokenization details
        # Security hash
        "hash": "fc3206829a6b4f8e300aeefb8f91add568b83dc90d01383a8e16553cc9600a3aefd4be2e370d32f0315ef1b9f28740515a9556b55abfefa7b54b434f894c9304"
    }
    
    # Convert dictionary to URL-encoded form data
    data = urllib.parse.urlencode(payload).encode('utf-8')
    
    # Set headers
    headers = {
        "accept": "application/json",
        "Content-Type": "application/x-www-form-urlencoded"
    }
    
    # Create a request object
    req = urllib.request.Request(url, data=data, headers=headers, method="POST")
    
    try:
        # Send the request and get the response
        with urllib.request.urlopen(req) as response:
            response_data = response.read().decode('utf-8')
            
            # Process and return response
            return {
                "status_code": response.getcode(),
                "response": response_data
            }
            
    except urllib.error.HTTPError as e:
        # Handle HTTP errors
        error_data = e.read().decode('utf-8')
        return {
            "status_code": e.code,
            "error": e.reason,
            "response": error_data
        }
        
    except Exception as e:
        # Handle other exceptions
        return {
            "status_code": 500,
            "error": str(e),
            "response": "An error occurred during payment processing"
        }

# Example usage
if __name__ == "__main__":
    result = process_cardless_emi_payment()
    print(f"Status Code: {result['status_code']}")
    if 'error' in result:
        print(f"Error: {result['error']}")
    print(f"Response: {result['response']}")

<?php
/**
 * Process cardless EMI payment using PayU's Merchant Hosted Checkout
 * 
 * IMPORTANT: This is a server-side function. Never expose payment details to client-side code.
 * 
 * @return array Response from PayU API
 */
function processCardlessEmiPayment() {
    // API endpoint
    $url = "https://test.payu.in/_payment";
    
    // Additional info as an array
    $additionalInfo = [
        "last4Digits" => "1234",
        "tavv" => "ABCDEFGH",
        "trid" => "1234567890",
        "tokenRefNo" => "abcde123456"
    ];
    
    // Prepare the form data
    $payload = [
        "key" => "JP***g",                      // Your merchant key
        "txnid" => "EaE4ZO3vU4iPsp",            // Unique transaction ID
        "amount" => "10.00",                    // Payment amount
        "firstname" => "Ashish",                // Customer's name
        "email" => "[email protected]",            // Customer's email
        "phone" => "9876543210",                // Customer's phone
        "productinfo" => "iPhone",              // Product information
        "pg" => "EMI",                          // Payment gateway (EMI)
        "bankcode" => "EMI03",                  // Bank code (Cardless EMI provider)
        "surl" => "https://apiplayground-response.herokuapp.com", // Success URL
        "furl" => "https://apiplayground-response.herokuapp.com", // Failure URL
        // Token and card details
        "ccnum" => "1234",                      // Limited card details for verification
        "ccexpmon" => "05",                     // Expiry month
        "ccexpyr" => "2022",                    // Expiry year
        "ccvv" => "123",                        // CVV
        "ccname" => "undefined",                // Cardholder name
        "store_card_token" => "1234 4567 2456 3566", // Tokenized card
        "storecard_token_type" => "1",          // Token type
        "additional_info" => json_encode($additionalInfo), // Tokenization details
        // Security hash
        "hash" => "fc3206829a6b4f8e300aeefb8f91add568b83dc90d01383a8e16553cc9600a3aefd4be2e370d32f0315ef1b9f28740515a9556b55abfefa7b54b434f894c9304"
    ];
    
    // Initialize cURL session
    $ch = curl_init($url);
    
    // Set cURL options
    curl_setopt($ch, CURLOPT_POST, true);
    curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payload));
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
    curl_setopt($ch, CURLOPT_HTTPHEADER, [
        "accept: application/json",
        "Content-Type: application/x-www-form-urlencoded"
    ]);
    
    // For additional security in production
    curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, true);
    curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, 2);
    
    // Execute the request
    $response = curl_exec($ch);
    $statusCode = curl_getinfo($ch, CURLINFO_HTTP_CODE);
    $error = curl_error($ch);
    $errno = curl_errno($ch);
    
    // Close cURL session
    curl_close($ch);
    
    // Handle response
    if ($errno) {
        return [
            "status_code" => 500,
            "error" => $error,
            "response" => "cURL Error: " . $error
        ];
    }
    
    return [
        "status_code" => $statusCode,
        "response" => $response
    ];
}

// Example usage
$result = processCardlessEmiPayment();
echo "Status Code: " . $result["status_code"] . "\n";
if (isset($result["error"])) {
    echo "Error: " . $result["error"] . "\n";
}
echo "Response: " . $result["response"] . "\n";
?>

import java.io.BufferedReader;
import java.io.DataOutputStream;
import java.io.IOException;
import java.io.InputStreamReader;
import java.net.HttpURLConnection;
import java.net.URL;
import java.net.URLEncoder;
import java.nio.charset.StandardCharsets;
import java.util.HashMap;
import java.util.Map;
import java.util.StringJoiner;

/**
 * PayU Cardless EMI Payment Processor for Merchant Hosted Checkout
 * 
 * IMPORTANT: This is a server-side implementation. Never expose payment details to client-side code.
 */
public class PayUCardlessEmiPaymentProcessor {
    
    // API endpoint
    private static final String PAYU_TEST_URL = "https://test.payu.in/_payment";
    
    /**
     * Process cardless EMI payment through PayU
     * @return PaymentResponse containing status and response data
     */
    public PaymentResponse processCardlessEmiPayment() {
        try {
            // Initialize URL
            URL url = new URL(PAYU_TEST_URL);
            
            // Additional info JSON
            String additionalInfo = "{"
                + "\"last4Digits\": \"1234\","
                + "\"tavv\": \"ABCDEFGH\","
                + "\"trid\": \"1234567890\","
                + "\"tokenRefNo\": \"abcde123456\""
                + "}";
            
            // Prepare form parameters
            Map<String, String> params = new HashMap<>();
            params.put("key", "JP***g");                      // Your merchant key
            params.put("txnid", "EaE4ZO3vU4iPsp");            // Unique transaction ID
            params.put("amount", "10.00");                    // Payment amount
            params.put("firstname", "Ashish");                // Customer's name
            params.put("email", "[email protected]");            // Customer's email
            params.put("phone", "9876543210");                // Customer's phone
            params.put("productinfo", "iPhone");              // Product information
            params.put("pg", "EMI");                          // Payment gateway (EMI)
            params.put("bankcode", "EMI03");                  // Bank code (Cardless EMI provider)
            params.put("surl", "https://apiplayground-response.herokuapp.com"); // Success URL
            params.put("furl", "https://apiplayground-response.herokuapp.com"); // Failure URL
            // Token and card details
            params.put("ccnum", "1234");                      // Limited card details for verification
            params.put("ccexpmon", "05");                     // Expiry month
            params.put("ccexpyr", "2022");                    // Expiry year
            params.put("ccvv", "123");                        // CVV
            params.put("ccname", "undefined");                // Cardholder name
            params.put("store_card_token", "1234 4567 2456 3566"); // Tokenized card
            params.put("storecard_token_type", "1");          // Token type
            params.put("additional_info", additionalInfo);    // Tokenization details
            // Security hash
            params.put("hash", "fc3206829a6b4f8e300aeefb8f91add568b83dc90d01383a8e16553cc9600a3aefd4be2e370d32f0315ef1b9f28740515a9556b55abfefa7b54b434f894c9304");
            
            // Convert parameters to URL-encoded form data
            StringJoiner formData = new StringJoiner("&");
            for (Map.Entry<String, String> entry : params.entrySet()) {
                formData.add(URLEncoder.encode(entry.getKey(), "UTF-8") + "=" + 
                             URLEncoder.encode(entry.getValue(), "UTF-8"));
            }
            byte[] postData = formData.toString().getBytes(StandardCharsets.UTF_8);
            
            // Configure connection
            HttpURLConnection conn = (HttpURLConnection) url.openConnection();
            conn.setRequestMethod("POST");
            conn.setRequestProperty("accept", "application/json");
            conn.setRequestProperty("Content-Type", "application/x-www-form-urlencoded");
            conn.setRequestProperty("Content-Length", String.valueOf(postData.length));
            conn.setDoOutput(true);
            conn.setConnectTimeout(5000);
            conn.setReadTimeout(15000);
            
            // Send request
            try (DataOutputStream dos = new DataOutputStream(conn.getOutputStream())) {
                dos.write(postData);
                dos.flush();
            }
            
            // Get response
            int responseCode = conn.getResponseCode();
            
            // Read response data
            StringBuilder response = new StringBuilder();
            try (BufferedReader reader = new BufferedReader(
                    new InputStreamReader(
                        responseCode >= 400 ? conn.getErrorStream() : conn.getInputStream(), 
                        StandardCharsets.UTF_8))) {
                        
                String line;
                while ((line = reader.readLine()) != null) {
                    response.append(line);
                }
            }
            
            return new PaymentResponse(responseCode, response.toString(), null);
            
        } catch (IOException e) {
            // Handle exception
            return new PaymentResponse(500, null, "Error: " + e.getMessage());
        }
    }
    
    /**
     * Payment response wrapper class
     */
    public static class PaymentResponse {
        private final int statusCode;
        private final String response;
        private final String error;
        
        public PaymentResponse(int statusCode, String response, String error) {
            this.statusCode = statusCode;
            this.response = response;
            this.error = error;
        }
        
        public int getStatusCode() {
            return statusCode;
        }
        
        public String getResponse() {
            return response;
        }
        
        public String getError() {
            return error;
        }
        
        public boolean isSuccess() {
            return statusCode >= 200 && statusCode < 300;
        }
    }
    
    // Example usage
    public static void main(String[] args) {
        PayUCardlessEmiPaymentProcessor processor = new PayUCardlessEmiPaymentProcessor();
        PaymentResponse result = processor.processCardlessEmiPayment();
        
        System.out.println("Status Code: " + result.getStatusCode());
        if (result.isSuccess()) {
            System.out.println("Response: " + result.getResponse());
        } else {
            System.out.println("Error: " + result.getError());
        }
    }
}

using System;
using System.Collections.Generic;
using System.Net.Http;
using System.Threading.Tasks;
using System.Text;
using System.Text.Json;

namespace PayUCardlessEmiIntegration
{
    /// <summary>
    /// PayU Cardless EMI Payment Processor for Merchant Hosted Checkout
    /// 
    /// IMPORTANT: This is a server-side implementation. Never expose payment details to client-side code.
    /// </summary>
    public class PayUCardlessEmiPaymentProcessor
    {
        // API endpoint
        private const string PayuTestUrl = "https://test.payu.in/_payment";
        
        /// <summary>
        /// Process cardless EMI payment through PayU
        /// </summary>
        /// <returns>PaymentResponse containing status and response data</returns>
        public async Task<PaymentResponse> ProcessCardlessEmiPaymentAsync()
        {
            try
            {
                // Create additional info object
                var additionalInfo = new
                {
                    last4Digits = "1234",
                    tavv = "ABCDEFGH",
                    trid = "1234567890",
                    tokenRefNo = "abcde123456"
                };
                
                // Serialize additional info to JSON
                string additionalInfoJson = JsonSerializer.Serialize(additionalInfo);
                
                // Prepare form parameters
                var formData = new Dictionary<string, string>
                {
                    { "key", "JP***g" },                       // Your merchant key
                    { "txnid", "EaE4ZO3vU4iPsp" },             // Unique transaction ID
                    { "amount", "10.00" },                     // Payment amount
                    { "firstname", "Ashish" },                 // Customer's name
                    { "email", "[email protected]" },             // Customer's email
                    { "phone", "9876543210" },                 // Customer's phone
                    { "productinfo", "iPhone" },               // Product information
                    { "pg", "EMI" },                           // Payment gateway (EMI)
                    { "bankcode", "EMI03" },                   // Bank code (Cardless EMI provider)
                    { "surl", "https://apiplayground-response.herokuapp.com" }, // Success URL
                    { "furl", "https://apiplayground-response.herokuapp.com" }, // Failure URL
                    // Token and card details
                    { "ccnum", "1234" },                       // Limited card details for verification
                    { "ccexpmon", "05" },                      // Expiry month
                    { "ccexpyr", "2022" },                     // Expiry year
                    { "ccvv", "123" },                         // CVV
                    { "ccname", "undefined" },                 // Cardholder name
                    { "store_card_token", "1234 4567 2456 3566" }, // Tokenized card
                    { "storecard_token_type", "1" },           // Token type
                    { "additional_info", additionalInfoJson }, // Tokenization details
                    // Security hash
                    { "hash", "fc3206829a6b4f8e300aeefb8f91add568b83dc90d01383a8e16553cc9600a3aefd4be2e370d32f0315ef1b9f28740515a9556b55abfefa7b54b434f894c9304" }
                };
                
                // Create HttpClient with timeout
                using (var httpClient = new HttpClient())
                {
                    httpClient.Timeout = TimeSpan.FromSeconds(30);
                    
                    // Convert form data to content
                    var content = new FormUrlEncodedContent(formData);
                    
                    // Add headers
                    content.Headers.ContentType = new System.Net.Http.Headers.MediaTypeHeaderValue("application/x-www-form-urlencoded");
                    httpClient.DefaultRequestHeaders.Add("accept", "application/json");
                    
                    // Send POST request
                    var response = await httpClient.PostAsync(PayuTestUrl, content);
                    
                    // Get response content
                    var responseContent = await response.Content.ReadAsStringAsync();
                    
                    return new PaymentResponse(
                        (int)response.StatusCode,
                        responseContent,
                        null
                    );
                }
            }
            catch (Exception ex)
            {
                // Handle exception
                return new PaymentResponse(
                    500,
                    null,
                    $"Error: {ex.Message}"
                );
            }
        }
        
        /// <summary>
        /// Payment response wrapper class
        /// </summary>
        public class PaymentResponse
        {
            public int StatusCode { get; }
            public string Response { get; }
            public string Error { get; }
            
            public PaymentResponse(int statusCode, string response, string error)
            {
                StatusCode = statusCode;
                Response = response;
                Error = error;
            }
            
            public bool IsSuccess => StatusCode >= 200 && StatusCode < 300;
        }
    }
    
    // Example usage
    class Program
    {
        static async Task Main(string[] args)
        {
            var processor = new PayUCardlessEmiPaymentProcessor();
            var result = await processor.ProcessCardlessEmiPaymentAsync();
            
            Console.WriteLine($"Status Code: {result.StatusCode}");
            if (result.IsSuccess)
            {
                Console.WriteLine($"Response: {result.Response}");
            }
            else
            {
                Console.WriteLine($"Error: {result.Error}");
            }
        }
    }
}

Hashing

You must hash the request parameters using the following hash logic:

sha512(key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3|udf4|udf5||||||SALT)

For more information, refer to Generate Hash.

Step 3: Check the response from PayU

Sample response

Array
(
    [mihpayid] => 403993715523602563
    [status] => success
    [unmappedstatus] => captured
    [key] => smsplus
    [txnid] => v2tWbbdUOuacK9
    [amount] => 20000.00
    [discount] => 0.00
    [net_amount_debit] => 20000.00
    [addedon] => 2021-07-27 11:14:44
    [productinfo] => iPhone
    [firstname] => Ashish
    [lastname] => 
    [address1] => 
    [address2] => 
    [city] => 
    [state] => 
    [country] => 
    [zipcode] => 
    [email] => [email protected]
    [phone] => 1234567890
    [udf1] => 
    [udf2] => 
    [udf3] => 
    [udf4] => 
    [udf5] => 
    [udf6] => 
    [udf7] => 
    [udf8] => 
    [udf9] => 
    [udf10] => 
    [hash] => 10f8ead10cdf5f9b7bf9046987de046d63d62d6679dded9d5da8145f459066943570eec4aa184494ae77f99a8bcd55452af3c4eff0d7a7d3ba809c97b7c73045
    [field1] => 0608273386032718000015
    [field2] => 986987
    [field3] => 10.00
    [field4] => 403993715524069222
    [field5] => 100
    [field6] => 02
    [field7] => AUTHPOSITIVE
    [field8] => 
    [field9] => Transaction is Successful
    [payment_source] => payu
    [PG_TYPE] => EMI-PG
    [bank_ref_num] => 3d7cc4a4-00c8-4705-a0e7-5708d2c2bb75
    [bankcode]=> EMIA3
    [error] => E000
    [error_Message] => No Error
    [name_on_card] => payu
    [cardnum] =>XXXXXXXXXXXX1234
)

Step 4: Verify Payment

Upon receiving the response, PayU recommends you performing a reconciliation step to validate all transaction details.

You can verify your payments using either of the following methods:

Configure the webhooks to monitor the status of payments.
Webhooks enable a server to communicate with another server by sending an HTTP callback or message.
These callbacks are triggered by specific events or instances and operate at the server-to-server (S2S) level.

Know how to manage Webhooks for Payments.

Environment


Test Environment	https://test.payu.in/merchant/postservice.php?form=2
Production Environment	https://info.payu.in/merchant/postservice.php?form=2

Note: The hash logic for Verify Payment API is:
sha512(key|command|var1|salt) sha512

Sample request

curl --request POST
--url 'https://test.payu.in/merchant/postservice?form=2'
--header 'Content-Type: application/x-www-form-urlencoded'
--data key=JPM7Fg
--data command=verify_payment
--data var1=IhfgcZnXR4o4nB
--data hash=a0ae79fdd66c875af6e9b21c4a67f1822deb00f2df5e9f0b1948f3222f536a9bf741b24efbb1874ca0f84f76b036e6c0d641581d0100f7abe4aeed2f3264f5c9

Sample response

If credit card payment is made, the response is similar to the following:

{
  "status":0,
  "msg":"0 out of 1 Transactions Fetched Successfully",
  "transaction_details":
{
"IhfgcZnXR4o4nB":
{
"mihpayid":"Not Found",
"status":"Not Found"
}
}
}

If txnID is not found, the response is similar to the following:


{
    "status":0,
    "msg":"0 out of 1 Transactions Fetched Successfully",
      "transaction_details":
      {	
                      "IhfgcZnXR4o4nB":
        {
                              "mihpayid":"Not Found",
            "status":"Not Found"
          }
                      }
}

Response parameters

Parameter	Description	Example
status	This parameter returns the status of web service call. The status can be any of the following: 0 - If web service call failed. 1 - If web service call succeeded	0
msg	This parameter returns the reason string.	For example, any of the following messages are displayed: Parameter missing Token is empty Amount is empty Transaction not exists
transaction_details	This parameter contains the response in a JSON format. For more information refer to JSON fields description for transaction_details parameter .
request_id	PayU Request ID for a request in a Transaction. For example, a transaction can have a refund request.	7800456
bank_ref_num	This parameter returns the bank reference number. If the bank provides after a successful action.	204519474956

To learn more about the possible error codes and their description, refer to Error Codes.

Refund Processing

Refund processing is asynchronous in nature: the create-refund response is an acknowledgement/initial outcome, while the merchant must track the refund to a final state using the applicable PayU refund-status operation or configured notification mechanism.

📘
Reference
For cancelling or refunding a successful payment transaction, refer to Refunds.

Updated 2 days ago

Did this page help you?

Step 1: Check the cardless EMI eligibility

Step 1a: Check customer eligibility

Sample response

Step 1b: Check Main Eligibility for NTB Customer

Success scenario

Step 2: Initiate the payment

Request Parameters

Hashing

Step 3: Check the response from PayU

Step 4: Verify Payment

Refund Processing

Reference

EXAMPLE QUESTIONS