Debit Card - Merchant Hosted Checkout
When your customer wants to opt for the EMI option with debit cards, you can use EMI APIs to check the pre-eligibility of the debit card and calculate the EMI amount, interest, processing fee, or No-Cost EMI, and tenure. If the customer is eligible, you can post the transaction with EMI conversion.
Note:
You can create EMI offers using the PayU Dashboard and use them for collecting payments as described in this procedure. For more information, refer to the Create a No-Cost EMI Offer.
The following video explains how Debit Card EMIs will help your business and how to enable it:
Step 1: Check pre-EMI eligibility for debit card
After collecting the customer’s card and the amount to be paid, check the Pre-EMI eligibility based on the customer’s mobile number using the getCheckoutDetails API. For more information on how to use the getCheckoutDetails API, refer to Get Checkout Details API
Step 2: Calculate the EMI interest
Use the getEmiAmountAccordingToInterest API to calculate the EMI interest. For more information, refer to Get EMI According to Interest API.
Step 3: Post the transaction request and check response
Post the following parameters for using the Debit Card EMI. For complete list of parameters, refer to Collect Payment API - EMI for the complete list parameters with Try It experience.
Parameter | Description | Example |
---|---|---|
keymandatory | String Merchant key provided by PayU during onboarding. | |
txnidmandatory | String The transaction ID is a reference number for a specific order that is generated by the merchant. | |
amount mandatory | String The payment amount for the transaction. | |
productinfo mandatory | String A brief description of the product. | |
firstname mandatory | String The first name of the customer. | Ashish |
emailmandatory | String The email address of the customer. | |
phonemandatory | String The 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. In this integration, "EMI" must be specified. | EMI |
bankcode mandatory | String Post this parameter to identify payment options with unique bank codes and use getEmiAmountAccordingToInterest API to check for EMI code for corresponding tenure. For the list of EMI codes, refer to EMI Codes . | EMI03 |
ccnummandatory | String Use 13-19 digit card number for credit/debit cards (15 digits for AMEX, 13-19 for Maestro) and validate with LUHN algorithm. Refer to Card Number Formats and display error message on invalid input. | 5123456789012346 |
ccname mandatory | String This parameter must contain the name on card – as entered by the customer for the transaction. | Ashish Kumar |
ccvvmandatory | String Use 3-digit CVV number for credit/debit cards and 4-digit security code (4DBC/CID) for AMEX cards. Validate with BIN API. | 123 |
ccexpmon mandatory | String This parameter must contain the card’s expiry month – as entered by the user for the transaction. It must always be in 2 digits or in MM format. For months 1-9, this parameter must be appended with 0 – like 01, 02…09. For months 10-12, this parameter must not be appended – It should be 10,11 and 12 respectively. | 10 |
ccexpyrmandatory | String This parameter must contain the card’s expiry year – as entered by the customer for the transaction. It must be of four digits. | 2021 |
threeDS2RequestDataoptional | JSON This parameter must contain the following information in JSON format. For more information, refer to Handling 3DS Secure 2.0 Transaction. | |
furlmandatory | String The success URL, which is the page PayU will redirect to if the transaction is successful. | |
surlmandatory | String The Failure URL, which is the page PayU will redirect to if the transaction is failed. | |
hashmandatory | String It 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.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. | |
address2optional | String The second line of the billing address. | |
cityoptional | String The city where your customer resides as part of the billing address. | |
stateoptional | String The state where your customer resides as part of the billing address, | |
countryoptional | String The country where your customer resides. | |
zipcodeoptional | String Billing address zip code is mandatory for the cardless EMI option.Character Limit -20 | |
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. | |
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. | |
udf4optional | String User-defined fields (udf) are used to store any information corresponding to a particular transaction. | |
udf5optional | String User-defined fields (udf) are used to store any information corresponding to a particular transaction. |
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.
v### Sample request
curl -X POST "https://test.payu.in/_payment" -H "accept: application/json" -H "Content-Type: application/x-www-form-urlencoded" -d "key=JP***g&txnid=H6mUfE0ccAY94j&amount=20000.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=EMI&bankcode=EMIA3&surl=https://apiplayground-response.herokuapp.com/&furl=https://apiplayground-response.herokuapp.com/&ccnum=5123456789012346&ccexpmon=05&ccexpyr=2022&ccvv=123&ccname=&hash=782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36"
Step 4: Check the PayU response
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)
Sample response
The formatted sample response body is similar to the following, and you need to look for the following parameters:
- PG_TYPE
- bankcode
Array
(
[mihpayid] => 403993715523602563
[status] => success
[unmappedstatus] => captured
[key] => smsplus
[txnid] => v2tWbbdUOuacK9
[amount] => 20000.00
[discount] => 0.00
[net_amount_debit] => 20000.00
[addedon] => 2021-07-27 11:14:44
[productinfo] => iPhone
[firstname] => Ashish
[lastname] =>
[address1] =>
[address2] =>
[city] =>
[state] =>
[country] =>
[zipcode] =>
[email] => [email protected]
[phone] => 9123412345
[udf1] =>
[udf2] =>
[udf3] =>
[udf4] =>
[udf5] =>
[udf6] =>
[udf7] =>
[udf8] =>
[udf9] =>
[udf10] =>
[hash] => 10f8ead10cdf5f9b7bf9046987de046d63d62d6679dded9d5da8145f459066943570eec4aa184494ae77f99a8bcd55452af3c4eff0d7a7d3ba809c97b7c73045
[field1] =>
[field2] =>
[field3] =>
[field4] =>
[field5] =>
[field6] =>
[field7] =>
[field8] =>
[field9] => Transaction Completed Successfully
[payment_source] => payu
[PG_TYPE] => EMI-PG
[bank_ref_num] => 3d7cc4a4-00c8-4705-a0e7-5708d2c2bb75
[bankcode]=> ICICID03
[error] => E000
[error_Message] => No Error
[name_on_card] => payu
[cardnum] =>437541XXXXXX2346
)
Updated about 2 months ago