EFTNET (NEFT/RTGS) Integration
Collect payments using EFTNET (NEFT/RTGS) with Merchant Hosted Checkout integration as described in this section. After collecting the details from the customer, make the transaction request with the payment details to PayU.
To integrate with EFTNET:
Steps to Integrate
Before you begin:
Register for a account with PayU before you start integration. For more information, refer to Register for a Merchant Account.
Step 1: Initiate the payment with PayU
Post request syntax & composition
<body>
<form action='https://test.payu.in/_payment' method='post'>
<input type="hidden" name="key" value="JP***g" />
<input type="hidden" name="txnid" value="t6svtqtjRdl34W" />
<input type="hidden" name="productinfo" value="iPhone" />
<input type="hidden" name="amount" value="10" />
<input type="hidden" name="email" value="[email protected]" />
<input type="hidden" name="firstname" value="Ashish" />
<input type="hidden" name="lastname" value="Kumar" />
<input type="hidden" name="pg" value=“NEFTRTGS” />
<input type="hidden" name="bankcode" value="EFTAXIS" />
<input type="hidden" name="surl" value="your own success url" />
<input type="hidden" name="furl" value="your own failure url" />
<input type="hidden" name="phone" value="9988776655” />
<input type="hidden" name="hash" value="eabec285da28fd0e3054d41a4d24fe9f7599c9d0b66646f7a9984303fd6124044b6206daf831e9a8bda28a6200d318293a13d6c193109b60bd4b4f8b09c90972" />
<input type="submit" value="submit"> </form>
</body>
</html>
Note:
The sample HTML code mentioned above is for Merchant Checkout integration with the NEFT/RTGS payment method call for the test environment.
Optional configuration
PayU provides an optional Back to Merchant button on the payment challan of a NEFT/RTGS payment. This button enables your customer to go back to the merchant portal once the transaction is done.
In this scenario, if a customer clicks on Back to Merchant button the merchant will receive the response on the furl shared in the Collect Payment API - Merchant Hosted Checkout.
Sample challan of a NEFT/RTGS transaction
Post parameters
The following parameters vary for the EFTNEFT payment mode in the Collect Payment API (_payment API).
Environment
| Test Environment | https://test.payu.in/_payment |
| Production Environment | https://secure.payu.in/_payment |
| Parameter | Description | Example |
|---|---|---|
keymandatory | StringMerchant key provided by PayU during onboarding. | |
txnidmandatory | StringThe transaction ID is a reference number for a specific order that is generated by the merchant. | |
amount mandatory | StringThe payment amount for the transaction. | |
productinfo mandatory | StringA brief description of the product. | |
firstname mandatory | String The first name of the customer. | Ashish |
emailmandatory | StringThe email address of the customer. | |
phonemandatory | StringThe phone number of the customer. | |
pgmandatory | String It defines the payment category that the merchant wants the customer to see by default on the PayU’s payment page. If this field is empty, the system assumes the credit card payment option by default. | NEFTRTGS |
bankcodemandatory | String Each payment option is identified with a unique bank code at PayU. The merchant must post this parameter with the corresponding payment option’s bank code value in it. | EFTAXIS |
furlmandatory | StringThe success URL, which is the page PayU will redirect to if the transaction is successful. | |
surlmandatory | StringThe Failure URL, which is the page PayU will redirect to if the transaction is failed. | |
hashmandatory | StringIt 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) | |
address1optional | String The first line of the billing address.Notes: 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. - Mandatory for Cross-Border payments. | |
address2optional | String The second line of the billing address. | |
cityoptional | String The city where your customer resides as part of the billing address.Note Mandatory for Cross-Border payments. | |
stateoptional | String The state where your customer resides as part of the billing address,Note Mandatory for Cross-Border payments. | |
countryoptional | String The country where your customer resides.Note Mandatory for Cross-Border payments. | |
zipcodeoptional | String Billing address zip code is mandatory for the cardless EMI option.Character Limit-20Note Mandatory for Cross-Border payments. | |
udf1optional | 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.For Cross-Border payments: Mandatory if AD bank request this detail. This parameter must include the Permanent Account Number (PAN) of the buyer must be collected in this field. | |
udf2optional | 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. | |
udf3optional | String User-defined fields (udf) are used to store any information corresponding to a particular transaction.For Cross-Border payments:If AD bank request this detail. This parameter must include the date of birth of the buyer must be collected using this field in the DD-MM-YYYY format. | |
udf4optional | String User-defined fields (udf) are used to store any information corresponding to a particular transaction.For Cross-Border payments: Mandatory for payment aggregators. This parameter must include end merchant legal entity name. | |
udf5optional | String User-defined fields (udf) are used to store any information corresponding to a particular transaction.For Cross-Border payments:This parameter must includeThe invoice ID or invoice number must be collected using this field. |
| Parameter | Description | Example |
|---|---|---|
| NEFTRTGS | ||
| bankcode mandatory | EFTAXIS |
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.
Sample request
curl -X \
POST "https://test.payu.in/_payment-H "accept: application/json" -H \
"Content-Type: application/x-www-form-urlencoded" -d"key=J****g&txnid=aI1UM19ONxLgPz&amount=10.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=NEFTRTGS&bankcode=EFTAXIS&surl=https://apiplayground-response.herokuapp.com/&furl=https://apiplayground-response.herokuapp.com/&hash=6840ba0d1a14554f7ee5d20966dfbac6b221718e72dd823f05b6da01420286315b4956c28325898b66520b111604020ea2c547608606674766eb7e4164dc0baa"
Step 2: Check response from PayU
Hash validation logic for payment response (Reverse Hashing)
While sending the response, PayU takes the exact same parameters that were sent in the request (in reverse order) to calculate the hash and returns it to you. You must verify the hash and then mark a transaction as a success or failure. This is to make sure the transaction has not tampered within the response.
The order of the parameters is similar to the following code block:
sha512(SALT|status||||||udf5|udf4|udf3|udf2|udf1|email|firstname|productinfo|amount|txnid|key)
Note on Response:
For security reasons, the sample response or URL is not included here.
Step 3: Verify the payment
Verify the transaction details using the Verification APIs. For API reference, refer to Verify Payment API under API Reference.
Note:
The transaction ID that you posted in Step 1 with PayU must be used here.
Updated 4 months ago