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EFTNET (NEFT/RTGS) Integration

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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. Check response from PayU
  3. Verify the payment

👍

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="test@gmail.com" />
<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 Environmenthttps://test.payu.in/_payment
Production Environmenthttps://secure.payu.in/_payment

ParameterDescriptionExample
key
mandatory		StringMerchant key provided by PayU during onboarding.
txnid
mandatory		StringThe transaction ID is a reference number for a specific order that is generated by the merchant.
amount mandatoryStringThe payment amount for the transaction.
productinfo mandatoryStringA brief description of the product.
firstname mandatoryString The first name of the customer.Ashish
email
mandatory		StringThe email address of the customer.
phone
mandatory		StringThe phone number of the customer.
pg
mandatory		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
mandatory		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
furl
mandatory		StringThe success URL, which is the page PayU will redirect to if the transaction is successful.
surl
mandatory		StringThe Failure URL, which is the page PayU will redirect to if the transaction is failed.
hash
mandatory		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)
address1
optional		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.
address2
optional		String The second line of the billing address.
city
optional		String The city where your customer resides as part of the billing address.
Note Mandatory for Cross-Border payments.
state
optional		String The state where your customer resides as part of the billing address,
Note Mandatory for Cross-Border payments.
country
optional		String The country where your customer resides.
Note Mandatory for Cross-Border payments.
zipcode
optional		String Billing address zip code is mandatory for the cardless EMI option.
Character Limit-20
Note Mandatory for Cross-Border payments.
udf1
optional		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.
udf2
optional		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
optional		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.
udf4
optional		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.
udf5
optional		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.
ParameterDescriptionExample
NEFTRTGS
bankcode mandatoryEFTAXIS

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=test@gmail.com&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', 'test@gmail.com');      // 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": "test@gmail.com",         # 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" => "test@gmail.com",          // 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", "test@gmail.com");          // 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", "test@gmail.com" },           // 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 1 day ago

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