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:
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
Use the getEmiAmountAccordingToInterest API to calculate the EMI interest. For more information, refer to Get EMI According to Interest API.
Post the additional parameters for using the Debit Card EMI. For complete list of parameters, refer to Collect Payment API - Merchant Hosted Checkout.
Note: If the customer is returning to your website to make a new purchase, you will need to fetch all of the customer's stored cards from PayU, collect the CVV for the card that they will be using, and include it in the API 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"
The formatted sample response body is similar to the following, and you need to look for the following parameters:
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 3 days ago