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 |
---|---|---|
key
|
| |
txnid |
| |
amount |
| |
productinfo |
| |
firstname |
| Ashish |
email |
| |
phone |
| |
pg |
| EMI |
bankcode |
| EMI03 |
ccnum |
| 5123456789012346 |
ccname |
| Ashish Kumar |
ccvv |
| 123 |
ccexpmon |
| 10 |
ccexpyr |
| 2021 |
threeDS2RequestData |
| |
furl |
| |
surl |
| |
hash |
| |
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=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"
/**
* PayU Debit Card EMI 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', 'JP***g'); // Your merchant key
formData.append('txnid', 'H6mUfE0ccAY94j'); // Unique transaction ID
formData.append('amount', '20000.00'); // Payment amount
formData.append('firstname', 'Ashish'); // Customer's name
formData.append('email', '[email protected]'); // Customer's email
formData.append('phone', '9876543210'); // Customer's phone
formData.append('productinfo', 'iPhone'); // Product information
formData.append('pg', 'EMI'); // Payment gateway (EMI)
formData.append('bankcode', 'EMIA3'); // Bank code (Axis Bank EMI)
formData.append('surl', 'https://apiplayground-response.herokuapp.com/'); // Success URL
formData.append('furl', 'https://apiplayground-response.herokuapp.com/'); // Failure URL
// Card details - SENSITIVE DATA
formData.append('ccnum', '5123456789012346'); // Card number
formData.append('ccexpmon', '05'); // Expiry month
formData.append('ccexpyr', '2022'); // Expiry year
formData.append('ccvv', '123'); // CVV
formData.append('ccname', ''); // Cardholder name
// Security hash
formData.append('hash', '782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36');
// 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
})
.catch(error => {
console.error('Error:', error);
});
import urllib.request
import urllib.parse
import json
from typing import Dict, Any
def process_debit_card_emi_payment() -> Dict[str, Any]:
"""
Process debit card EMI 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": "JP***g", # Your merchant key
"txnid": "H6mUfE0ccAY94j", # Unique transaction ID
"amount": "20000.00", # Payment amount
"firstname": "Ashish", # Customer's name
"email": "[email protected]", # Customer's email
"phone": "9876543210", # Customer's phone
"productinfo": "iPhone", # Product information
"pg": "EMI", # Payment gateway (EMI)
"bankcode": "EMIA3", # Bank code (Axis Bank EMI)
"surl": "https://apiplayground-response.herokuapp.com/", # Success URL
"furl": "https://apiplayground-response.herokuapp.com/", # Failure URL
# Card details - SENSITIVE DATA
"ccnum": "5123456789012346", # Card number
"ccexpmon": "05", # Expiry month
"ccexpyr": "2022", # Expiry year
"ccvv": "123", # CVV
"ccname": "", # Cardholder name
# Security hash
"hash": "782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36"
}
# 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_debit_card_emi_payment()
print(f"Status Code: {result['status_code']}")
if 'error' in result:
print(f"Error: {result['error']}")
print(f"Response: {result['response']}")
<?php
/**
* Process debit card EMI 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 processDebitCardEmiPayment() {
// API endpoint
$url = "https://test.payu.in/_payment";
// Prepare the form data
$payload = [
"key" => "JP***g", // Your merchant key
"txnid" => "H6mUfE0ccAY94j", // Unique transaction ID
"amount" => "20000.00", // Payment amount
"firstname" => "Ashish", // Customer's name
"email" => "[email protected]", // Customer's email
"phone" => "9876543210", // Customer's phone
"productinfo" => "iPhone", // Product information
"pg" => "EMI", // Payment gateway (EMI)
"bankcode" => "EMIA3", // Bank code (Axis Bank EMI)
"surl" => "https://apiplayground-response.herokuapp.com/", // Success URL
"furl" => "https://apiplayground-response.herokuapp.com/", // Failure URL
// Card details - SENSITIVE DATA
"ccnum" => "5123456789012346", // Card number
"ccexpmon" => "05", // Expiry month
"ccexpyr" => "2022", // Expiry year
"ccvv" => "123", // CVV
"ccname" => "", // Cardholder name
// Security hash
"hash" => "782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36"
];
// 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 = processDebitCardEmiPayment();
echo "Status Code: " . $result["status_code"] . "\n";
if (isset($result["error"])) {
echo "Error: " . $result["error"] . "\n";
}
echo "Response: " . $result["response"] . "\n";
?>
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 Debit Card EMI Payment Processor for Merchant Hosted Checkout
*
* IMPORTANT: This is a server-side implementation. Never expose payment details to client-side code.
*/
public class PayUDebitCardEmiPaymentProcessor {
// API endpoint
private static final String PAYU_TEST_URL = "https://test.payu.in/_payment";
/**
* Process debit card EMI payment through PayU
* @return PaymentResponse containing status and response data
*/
public PaymentResponse processDebitCardEmiPayment() {
try {
// Initialize URL
URL url = new URL(PAYU_TEST_URL);
// Prepare form parameters
Map<String, String> params = new HashMap<>();
params.put("key", "JP***g"); // Your merchant key
params.put("txnid", "H6mUfE0ccAY94j"); // Unique transaction ID
params.put("amount", "20000.00"); // Payment amount
params.put("firstname", "Ashish"); // Customer's name
params.put("email", "[email protected]"); // Customer's email
params.put("phone", "9876543210"); // Customer's phone
params.put("productinfo", "iPhone"); // Product information
params.put("pg", "EMI"); // Payment gateway (EMI)
params.put("bankcode", "EMIA3"); // Bank code (Axis Bank EMI)
params.put("surl", "https://apiplayground-response.herokuapp.com/"); // Success URL
params.put("furl", "https://apiplayground-response.herokuapp.com/"); // Failure URL
// Card details - SENSITIVE DATA
params.put("ccnum", "5123456789012346"); // Card number
params.put("ccexpmon", "05"); // Expiry month
params.put("ccexpyr", "2022"); // Expiry year
params.put("ccvv", "123"); // CVV
params.put("ccname", ""); // Cardholder name
// Security hash
params.put("hash", "782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36");
// 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) {
PayUDebitCardEmiPaymentProcessor processor = new PayUDebitCardEmiPaymentProcessor();
PaymentResponse result = processor.processDebitCardEmiPayment();
System.out.println("Status Code: " + result.getStatusCode());
if (result.isSuccess()) {
System.out.println("Response: " + result.getResponse());
} 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 PayUDebitCardEmiIntegration
{
/// <summary>
/// PayU Debit Card EMI Payment Processor for Merchant Hosted Checkout
///
/// IMPORTANT: This is a server-side implementation. Never expose payment details to client-side code.
/// </summary>
public class PayUDebitCardEmiPaymentProcessor
{
// API endpoint
private const string PayuTestUrl = "https://test.payu.in/_payment";
/// <summary>
/// Process debit card EMI payment through PayU
/// </summary>
/// <returns>PaymentResponse containing status and response data</returns>
public async Task<PaymentResponse> ProcessDebitCardEmiPaymentAsync()
{
try
{
// Prepare form parameters
var formData = new Dictionary<string, string>
{
{ "key", "JP***g" }, // Your merchant key
{ "txnid", "H6mUfE0ccAY94j" }, // Unique transaction ID
{ "amount", "20000.00" }, // Payment amount
{ "firstname", "Ashish" }, // Customer's name
{ "email", "[email protected]" }, // Customer's email
{ "phone", "9876543210" }, // Customer's phone
{ "productinfo", "iPhone" }, // Product information
{ "pg", "EMI" }, // Payment gateway (EMI)
{ "bankcode", "EMIA3" }, // Bank code (Axis Bank EMI)
{ "surl", "https://apiplayground-response.herokuapp.com/" }, // Success URL
{ "furl", "https://apiplayground-response.herokuapp.com/" }, // Failure URL
// Card details - SENSITIVE DATA
{ "ccnum", "5123456789012346" }, // Card number
{ "ccexpmon", "05" }, // Expiry month
{ "ccexpyr", "2022" }, // Expiry year
{ "ccvv", "123" }, // CVV
{ "ccname", "" }, // Cardholder name
// Security hash
{ "hash", "782057a8bb0288c858149b4805103befa22041bb3092bc45a813738b43742e31baeae92375be5286a98b44ed66c36121aba0fff6a3170339a4949bc880125d36" }
};
// 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,
$"Error: {ex.Message}"
);
}
}
/// <summary>
/// Payment response wrapper class
/// </summary>
public class PaymentResponse
{
public int StatusCode { get; }
public string Response { get; }
public string Error { get; }
public PaymentResponse(int statusCode, string response, string error)
{
StatusCode = statusCode;
Response = response;
Error = error;
}
public bool IsSuccess => StatusCode >= 200 && StatusCode < 300;
}
}
// Example usage
class Program
{
static async Task Main(string[] args)
{
var processor = new PayUDebitCardEmiPaymentProcessor();
var result = await processor.ProcessDebitCardEmiPaymentAsync();
Console.WriteLine($"Status Code: {result.StatusCode}");
if (result.IsSuccess)
{
Console.WriteLine($"Response: {result.Response}");
}
else
{
Console.WriteLine($"Error: {result.Error}");
}
}
}
}
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 12 days ago