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

  1. Initiate the payment with PayU
  2. Verify the payment


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

<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>




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).




For the complete list of parameters posted using Merchant Hosted integration and response, refer to Additional Info for Payment APIs under API Reference.

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
bankcode mandatoryString 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

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: Verify the payment

Verify the transaction details using the Verification APIs. For API reference, refer to Verify Payment API under API Reference.



The transaction ID that you posted in Step 1 with PayU must be used here.