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 an 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 PaymentAPI (_payment API).
Environment
| Test Environment | <https://test.payu.in/_payment> |
| Production Environment | <https://secure.payu.in/_payment> |
| Parameter | Description | Example |
|---|---|---|
<glossary:key> |
|
|
<glossary:txnid> |
|
|
amount |
|
|
productinfo |
|
|
firstname |
|
Ashish |
email |
|
|
phone |
|
|
<glossary:pg> |
|
NEFTRTGS |
<glossary:bankcode> |
|
EFTAXIS |
furl |
|
|
surl |
|
|
hash |
|
|
address1 |
|
|
address2 |
|
|
city |
|
|
state |
|
|
country |
|
|
zipcode |
|
|
udf1 |
|
|
udf2 |
|
|
udf3 |
|
|
udf4 |
|
|
udf5 |
|
Request parameters
Parameter | Description | Example |
|---|---|---|
key |
| 8488225 |
txnid |
| fd3e847h2 |
amount |
| 10 |
productinfo |
| T-shirt |
firstname |
| Ankit |
email |
| |
phone |
| |
pg |
| NEFTRTGS |
bankcode |
| EFTAXIS |
surl | The "surl" field is the success URL, which is the page PayU will redirect to if the transaction is successful. The merchant can handle the response at this URL after the customer is redirected there. | |
furl | The "furl" field is the Failure URL, which is the page PayU will redirect to if the transaction is failed. The merchant can handle the response at this URL after the customer is redirected there. | |
hash |
For more information, refer to Generate Hash. | |
lastname |
| |
address1 |
| |
address2 |
| |
city |
| |
state |
| |
country |
| |
zipcode |
| |
udf1 |
| |
udf2 |
| |
udf3 |
| |
udf4 |
| |
udf5 |
|
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"/**
* PayU NEFT/RTGS 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';
// Form data parameters
const formData = new URLSearchParams();
formData.append('key', 'J****g'); // Replace with your actual merchant key
formData.append('txnid', 'aI1UM19ONxLgPz'); // Transaction ID (unique for each transaction)
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 number
formData.append('productinfo', 'iPhone'); // Product information
formData.append('pg', 'NEFTRTGS'); // Payment gateway (NEFT/RTGS)
formData.append('bankcode', 'EFTAXIS'); // Bank code (Axis Bank NEFT)
formData.append('surl', 'https://apiplayground-response.herokuapp.com/'); // Success URL
formData.append('furl', 'https://apiplayground-response.herokuapp.com/'); // Failure URL
formData.append('hash', '6840ba0d1a14554f7ee5d20966dfbac6b221718e72dd823f05b6da01420286315b4956c28325898b66520b111604020ea2c547608606674766eb7e4164dc0baa'); // Security hash
// 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
// Typically, for NEFT/RTGS, you'll get bank details to show to the customer
})
.catch(error => {
console.error('Error:', error);
});
import urllib.request
import urllib.parse
import json
from typing import Dict, Any
def process_neft_payment() -> Dict[str, Any]:
"""
Process NEFT/RTGS 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"
# Prepare the form data
payload = {
"key": "J****g", # Replace with your actual merchant key
"txnid": "aI1UM19ONxLgPz", # Transaction ID (unique for each transaction)
"amount": "10.00", # Payment amount
"firstname": "Ashish", # Customer's name
"email": "[email protected]", # Customer's email
"phone": "9876543210", # Customer's phone number
"productinfo": "iPhone", # Product information
"pg": "NEFTRTGS", # Payment gateway (NEFT/RTGS)
"bankcode": "EFTAXIS", # Bank code (Axis Bank NEFT)
"surl": "https://apiplayground-response.herokuapp.com/", # Success URL
"furl": "https://apiplayground-response.herokuapp.com/", # Failure URL
"hash": "6840ba0d1a14554f7ee5d20966dfbac6b221718e72dd823f05b6da01420286315b4956c28325898b66520b111604020ea2c547608606674766eb7e4164dc0baa" # Security hash
}
# 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_neft_payment()
print(f"Status Code: {result['status_code']}")
if 'error' in result:
print(f"Error: {result['error']}")
print(f"Response: {result['response']}")
# For NEFT/RTGS, display the bank details to the customer for making the transfer
<?php
/**
* Process NEFT/RTGS 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 processNeftPayment() {
// API endpoint
$url = "https://test.payu.in/_payment";
// Prepare the form data
$payload = [
"key" => "J****g", // Replace with your actual merchant key
"txnid" => "aI1UM19ONxLgPz", // Transaction ID (unique for each transaction)
"amount" => "10.00", // Payment amount
"firstname" => "Ashish", // Customer's name
"email" => "[email protected]", // Customer's email
"phone" => "9876543210", // Customer's phone number
"productinfo" => "iPhone", // Product information
"pg" => "NEFTRTGS", // Payment gateway (NEFT/RTGS)
"bankcode" => "EFTAXIS", // Bank code (Axis Bank NEFT)
"surl" => "https://apiplayground-response.herokuapp.com/", // Success URL
"furl" => "https://apiplayground-response.herokuapp.com/", // Failure URL
"hash" => "6840ba0d1a14554f7ee5d20966dfbac6b221718e72dd823f05b6da01420286315b4956c28325898b66520b111604020ea2c547608606674766eb7e4164dc0baa" // Security hash
];
// 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 = processNeftPayment();
echo "Status Code: " . $result["status_code"] . "\n";
if (isset($result["error"])) {
echo "Error: " . $result["error"] . "\n";
}
echo "Response: " . $result["response"] . "\n";
// For NEFT/RTGS, display the bank details to the customer for making the transfer
?>
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 NEFT/RTGS Payment Processor for Merchant Hosted Checkout
*
* IMPORTANT: This is a server-side implementation. Never expose payment details to client-side code.
*/
public class PayUNeftPaymentProcessor {
// API endpoint
private static final String PAYU_TEST_URL = "https://test.payu.in/_payment";
/**
* Process NEFT/RTGS payment through PayU
* @return PaymentResponse containing status and response data
*/
public PaymentResponse processNeftPayment() {
try {
// Initialize URL
URL url = new URL(PAYU_TEST_URL);
// Prepare form parameters
Map<String, String> params = new HashMap<>();
params.put("key", "J****g"); // Replace with your actual merchant key
params.put("txnid", "aI1UM19ONxLgPz"); // Transaction ID (unique for each transaction)
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 number
params.put("productinfo", "iPhone"); // Product information
params.put("pg", "NEFTRTGS"); // Payment gateway (NEFT/RTGS)
params.put("bankcode", "EFTAXIS"); // Bank code (Axis Bank NEFT)
params.put("surl", "https://apiplayground-response.herokuapp.com/"); // Success URL
params.put("furl", "https://apiplayground-response.herokuapp.com/"); // Failure URL
params.put("hash", "6840ba0d1a14554f7ee5d20966dfbac6b221718e72dd823f05b6da01420286315b4956c28325898b66520b111604020ea2c547608606674766eb7e4164dc0baa"); // Security hash
// 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) {
PayUNeftPaymentProcessor processor = new PayUNeftPaymentProcessor();
PaymentResponse result = processor.processNeftPayment();
System.out.println("Status Code: " + result.getStatusCode());
if (result.isSuccess()) {
System.out.println("Response: " + result.getResponse());
// For NEFT/RTGS, display the bank details to the customer for making the transfer
} 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 PayUNeftIntegration
{
/// <summary>
/// PayU NEFT/RTGS Payment Processor for Merchant Hosted Checkout
///
/// IMPORTANT: This is a server-side implementation. Never expose payment details to client-side code.
/// </summary>
public class PayUNeftPaymentProcessor
{
// API endpoint
private const string PayuTestUrl = "https://test.payu.in/_payment";
/// <summary>
/// Process NEFT/RTGS payment through PayU
/// </summary>
/// <returns>PaymentResponse containing status and response data</returns>
public async Task<PaymentResponse> ProcessNeftPaymentAsync()
{
try
{
// Prepare form parameters
var formData = new Dictionary<string, string>
{
{ "key", "J****g" }, // Replace with your actual merchant key
{ "txnid", "aI1UM19ONxLgPz" }, // Transaction ID (unique for each transaction)
{ "amount", "10.00" }, // Payment amount
{ "firstname", "Ashish" }, // Customer's name
{ "email", "[email protected]" }, // Customer's email
{ "phone", "9876543210" }, // Customer's phone number
{ "productinfo", "iPhone" }, // Product information
{ "pg", "NEFTRTGS" }, // Payment gateway (NEFT/RTGS)
{ "bankcode", "EFTAXIS" }, // Bank code (Axis Bank NEFT)
{ "surl", "https://apiplayground-response.herokuapp.com/" }, // Success URL
{ "furl", "https://apiplayground-response.herokuapp.com/" }, // Failure URL
{ "hash", "6840ba0d1a14554f7ee5d20966dfbac6b221718e72dd823f05b6da01420286315b4956c28325898b66520b111604020ea2c547608606674766eb7e4164dc0baa" } // Security hash
};
// 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,
$"Error: {ex.Message}"
);
}
}
/// <summary>
/// Payment response wrapper class
/// </summary>
public class PaymentResponse
{
public int StatusCode { get; }
public string Response { get; }
public string Error { get; }
public PaymentResponse(int statusCode, string response, string error)
{
StatusCode = statusCode;
Response = response;
Error = error;
}
public bool IsSuccess => StatusCode >= 200 && StatusCode < 300;
}
}
// Example usage
class Program
{
static async Task Main(string[] args)
{
var processor = new PayUNeftPaymentProcessor();
var result = await processor.ProcessNeftPaymentAsync();
Console.WriteLine($"Status Code: {result.StatusCode}");
if (result.IsSuccess)
{
Console.WriteLine($"Response: {result.Response}");
// For NEFT/RTGS, display the bank details to the customer for making the transfer
}
else
{
Console.WriteLine($"Error: {result.Error}");
}
}
}
}
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 20 days ago