Debit Card EMI - Native OTP Flow

curl -X POST "https://test.payu.in/_payment" \
-H "accept: application/json" \
-H "Content-Type: application/x-www-form-urlencoded" \
-d "key=JP***g" \
-d "txnid=H6mUfE0ccAY94j" \
-d "amount=20000.00" \
-d "firstname=Ashish" \
-d "[email protected]" \
-d "phone=9876543210" \
-d "productinfo=iPhone" \
-d "pg=EMI" \
-d "bankcode=EMIA3" \
-d "surl=https://apiplayground-response.herokuapp.com/" \
-d "furl=https://apiplayground-response.herokuapp.com/" \
-d "ccnum=5123456789012346" \
-d "ccexpmon=05" \
-d "ccexpyr=2022" \
-d "ccvv=123" \
-d "ccname=" \
-d "s2s_device_info=Mozilla" \
-d "s2s_client_ip=10.11.101.11" \
-d "txn_s2s_flow=4" \
-d "hash=782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36"

/**
 * PayU Credit Card EMI Payment with Native OTP Flow Integration
 * 
 * IMPORTANT: This should only be executed server-side (e.g., in Node.js), never in the browser,
 * as it contains sensitive payment information.
 */

// Form data parameters
const formData = new URLSearchParams();
formData.append('key', 'JP***g');                // Your merchant key
formData.append('txnid', 'H6mUfE0ccAY94j');     // Unique transaction ID
formData.append('amount', '20000.00');          // 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', 'EMIA3');           // Bank code (Axis Bank EMI)
formData.append('surl', 'https://apiplayground-response.herokuapp.com/'); // Success URL
formData.append('furl', 'https://apiplayground-response.herokuapp.com/'); // Failure URL
// Card details - SENSITIVE DATA
formData.append('ccnum', '5123456789012346');   // Card number
formData.append('ccexpmon', '05');              // Expiry month
formData.append('ccexpyr', '2022');             // Expiry year 
formData.append('ccvv', '123');                 // CVV
formData.append('ccname', '');                  // Cardholder name

// Native OTP flow parameters
formData.append('s2s_device_info', 'Mozilla');  // Customer's device info
formData.append('s2s_client_ip', '10.11.101.11'); // Customer's IP address
formData.append('txn_s2s_flow', '4');           // Native OTP flow identifier

// Security hash
formData.append('hash', '782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36');

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

// Execute the request
fetch('https://test.payu.in/_payment', 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 and handle OTP flow
    // For Native OTP flow, you'll need to display OTP input to the user
    // and submit it in a subsequent request
  })
  .catch(error => {
    console.error('Error:', error);
  });

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

def process_emi_payment_with_native_otp() -> Dict[str, Any]:
    """
    Process credit card EMI payment with Native OTP flow using PayU's S2S integration
    
    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"
    
    # Prepare the form data
    payload = {
        "key": "JP***g",                   # Your merchant key
        "txnid": "H6mUfE0ccAY94j",         # Unique transaction ID
        "amount": "20000.00",              # 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": "EMIA3",               # Bank code (Axis Bank EMI)
        "surl": "https://apiplayground-response.herokuapp.com/", # Success URL
        "furl": "https://apiplayground-response.herokuapp.com/", # Failure URL
        # Card details - SENSITIVE DATA
        "ccnum": "5123456789012346",       # Card number
        "ccexpmon": "05",                  # Expiry month
        "ccexpyr": "2022",                 # Expiry year
        "ccvv": "123",                     # CVV
        "ccname": "",                      # Cardholder name
        
        # Native OTP flow parameters
        "s2s_device_info": "Mozilla",      # Customer's device info
        "s2s_client_ip": "10.11.101.11",   # Customer's IP address
        "txn_s2s_flow": "4",               # Native OTP flow identifier
        
        # Security hash
        "hash": "782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36"
    }
    
    # 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_emi_payment_with_native_otp()
    print(f"Status Code: {result['status_code']}")
    if 'error' in result:
        print(f"Error: {result['error']}")
    print(f"Response: {result['response']}")
    
    # For Native OTP flow, you'll need to display OTP input to the user
    # and submit it in a subsequent request

<?php
/**
 * Process credit card EMI payment with Native OTP flow using PayU's S2S integration
 * 
 * IMPORTANT: This is a server-side function. Never expose payment details to client-side code.
 * 
 * @return array Response from PayU API
 */
function processEmiPaymentWithNativeOtp() {
    // API endpoint
    $url = "https://test.payu.in/_payment";
    
    // Prepare the form data
    $payload = [
        "key" => "JP***g",                    // Your merchant key
        "txnid" => "H6mUfE0ccAY94j",          // Unique transaction ID
        "amount" => "20000.00",               // 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" => "EMIA3",                // Bank code (Axis Bank EMI)
        "surl" => "https://apiplayground-response.herokuapp.com/", // Success URL
        "furl" => "https://apiplayground-response.herokuapp.com/", // Failure URL
        // Card details - SENSITIVE DATA
        "ccnum" => "5123456789012346",        // Card number
        "ccexpmon" => "05",                   // Expiry month
        "ccexpyr" => "2022",                  // Expiry year
        "ccvv" => "123",                      // CVV
        "ccname" => "",                       // Cardholder name
        
        // Native OTP flow parameters
        "s2s_device_info" => "Mozilla",       // Customer's device info
        "s2s_client_ip" => "10.11.101.11",    // Customer's IP address
        "txn_s2s_flow" => "4",                // Native OTP flow identifier
        
        // Security hash
        "hash" => "782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36"
    ];
    
    // 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
        ];
    }
    
    // Process the response
    // For Native OTP flow, you'll need to display OTP input to the user
    // and submit it in a subsequent request
    return [
        "status_code" => $statusCode,
        "response" => $response
    ];
}

// Example usage
$result = processEmiPaymentWithNativeOtp();
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 Credit Card EMI Payment with Native OTP Flow Integration
 * 
 * IMPORTANT: This is a server-side implementation. Never expose payment details to client-side code.
 */
public class PayUEmiPaymentWithNativeOtpProcessor {
    
    // API endpoint
    private static final String PAYU_TEST_URL = "https://test.payu.in/_payment";
    
    /**
     * Process credit card EMI payment with Native OTP flow through PayU
     * @return PaymentResponse containing status and response data
     */
    public PaymentResponse processEmiPaymentWithNativeOtp() {
        try {
            // Initialize URL
            URL url = new URL(PAYU_TEST_URL);
            
            // Prepare form parameters
            Map<String, String> params = new HashMap<>();
            params.put("key", "JP***g");                    // Your merchant key
            params.put("txnid", "H6mUfE0ccAY94j");          // Unique transaction ID
            params.put("amount", "20000.00");               // 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", "EMIA3");                // Bank code (Axis Bank EMI)
            params.put("surl", "https://apiplayground-response.herokuapp.com/"); // Success URL
            params.put("furl", "https://apiplayground-response.herokuapp.com/"); // Failure URL
            // Card details - SENSITIVE DATA
            params.put("ccnum", "5123456789012346");        // Card number
            params.put("ccexpmon", "05");                   // Expiry month
            params.put("ccexpyr", "2022");                  // Expiry year
            params.put("ccvv", "123");                      // CVV
            params.put("ccname", "");                       // Cardholder name
            
            // Native OTP flow parameters
            params.put("s2s_device_info", "Mozilla");       // Customer's device info
            params.put("s2s_client_ip", "10.11.101.11");    // Customer's IP address
            params.put("txn_s2s_flow", "4");                // Native OTP flow identifier
            
            // Security hash
            params.put("hash", "782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36");
            
            // 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);
                }
            }
            
            // Process the response
            // For Native OTP flow, you'll need to display OTP input to the user
            // and submit it in a subsequent request
            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) {
        PayUEmiPaymentWithNativeOtpProcessor processor = new PayUEmiPaymentWithNativeOtpProcessor();
        PaymentResponse result = processor.processEmiPaymentWithNativeOtp();
        
        System.out.println("Status Code: " + result.getStatusCode());
        if (result.isSuccess()) {
            System.out.println("Response: " + result.getResponse());
            // Here you would extract OTP page details from the response
            // and display the OTP input to the user
        } else {
            System.out.println("Error: " + result.getError());
        }
    }
}

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

namespace PayUEmiNativeOtpIntegration
{
    /// <summary>
    /// PayU Credit Card EMI Payment with Native OTP Flow Processor
    /// 
    /// IMPORTANT: This is a server-side implementation. Never expose payment details to client-side code.
    /// </summary>
    public class PayUEmiPaymentWithNativeOtpProcessor
    {
        // API endpoint
        private const string PayuTestUrl = "https://test.payu.in/_payment";
        
        /// <summary>
        /// Process credit card EMI payment with Native OTP flow through PayU
        /// </summary>
        /// <returns>PaymentResponse containing status and response data</returns>
        public async Task<PaymentResponse> ProcessEmiPaymentWithNativeOtpAsync()
        {
            try
            {
                // Prepare form parameters
                var formData = new Dictionary<string, string>
                {
                    { "key", "JP***g" },                     // Your merchant key
                    { "txnid", "H6mUfE0ccAY94j" },           // Unique transaction ID
                    { "amount", "20000.00" },                // 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", "EMIA3" },                 // Bank code (Axis Bank EMI)
                    { "surl", "https://apiplayground-response.herokuapp.com/" }, // Success URL
                    { "furl", "https://apiplayground-response.herokuapp.com/" }, // Failure URL
                    // Card details - SENSITIVE DATA
                    { "ccnum", "5123456789012346" },         // Card number
                    { "ccexpmon", "05" },                    // Expiry month
                    { "ccexpyr", "2022" },                   // Expiry year
                    { "ccvv", "123" },                       // CVV
                    { "ccname", "" },                        // Cardholder name
                    
                    // Native OTP flow parameters
                    { "s2s_device_info", "Mozilla" },        // Customer's device info
                    { "s2s_client_ip", "10.11.101.11" },     // Customer's IP address
                    { "txn_s2s_flow", "4" },                 // Native OTP flow identifier
                    
                    // Security hash
                    { "hash", "782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36" }
                };
                
                // 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();
                    
                    // Process the response
                    // For Native OTP flow, you'll need to display OTP input to the user
                    // and submit it in a subsequent request
                    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 PayUEmiPaymentWithNativeOtpProcessor();
            var result = await processor.ProcessEmiPaymentWithNativeOtpAsync();
            
            Console.WriteLine($"Status Code: {result.StatusCode}");
            if (result.IsSuccess)
            {
                Console.WriteLine($"Response: {result.Response}");
                // Here you would extract OTP page details from the response
                // and display the OTP input to the user
            }
            else
            {
                Console.WriteLine($"Error: {result.Error}");
            }
        }
    }
}

{
   "metaData": {
      "message": "No Error",
      "referenceId": "b6035f64240b1862295bc571952cf984",
      "statusCode": "E000",
      "txnId": "payuTestTransaction2746829",
      "unmappedStatus": "success",
      "submitOtp": {
         "status": "success"
      }
   },
   "result": {
      "mihpayid": "15270336226",
      "mode": "CC",
      "status": "success",
      "key": "4wvMqy",
      "txnid": "payuTestTransaction2746829",
      "amount": "1.10",
      "addedon": "2022-06-01 17:39:29",
      "productinfo": "Product Info",
      "firstname": "Postman",
      "lastname": "",
      "address1": "",
      "address2": "",
      "city": "",
      "state": "",
      "country": "",
      "zipcode": "",
      "email": "[email protected]",
      "phone": "9988776655",
      "udf1": "",
      "udf2": "",
      "udf3": "",
      "udf4": "",
      "udf5": "",
      "udf6": "",
      "udf7": "",
      "udf8": "",
      "udf9": "",
      "udf10": "",
      "card_token": "",
      "card_no": "XXXXXXXXXXXX8006",
      "field0": "",
      "field1": "6540854745166970506094",
      "field2": "947167",
      "field3": "1.10",
      "field4": "15270336226",
      "field5": "100",
      "field6": "",
      "field7": "AUTHPOSITIVE",
      "field8": "",
      "field9": "Transaction is Successful",
      "payment_source": "payuPureS2SAuth",
      "PG_TYPE": "DC-PG",
      "error": "E000",
      "error_Message": "No Error",
      "cardToken": "",
      "net_amount_debit": "1.1",
      "discount": "0.00",
      "offer_key": "",
      "offer_availed": "",
      "unmappedstatus": "captured",
      "hash": "cdc409dfd15a842b8d15d6627d0027619882ed800773fa413cef491ae8ff2ef0cdfa654680ba4c8f3567313c6a6b00b94cb3bb5e16bad21d26be01216a69af41",
      "bank_ref_no": "6540854745166970506094",
      "bank_ref_num": "6540854745166970506094",
      "bankcode": "CC",
      "surl": "",
      "curl": "",
      "furl": "",
      "card_hash": "fdb59253e36daf8b3969525ae3799ccb4bb41993a5d2fcaf22737ec3ac8b90ab"
   }
}