Debit Card - Merchant Hosted Checkout

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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.

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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 `mandatory`	`String`Merchant key provided by PayU during onboarding.
txnid `mandatory`	`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
email `mandatory`	`String`The email address of the customer.
phone `mandatory`	`String`The 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. 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
ccnum `mandatory`	`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
ccvv `mandatory`	`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
ccexpyr `mandatory`	`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
threeDS2RequestData `optional`	`JSON` This parameter must contain the following information in JSON format. For more information, refer to Handling 3DS Secure 2.0 Transaction.
furl `mandatory`	`String`The success URL, which is the page PayU will redirect to if the transaction is successful.
surl `mandatory`	`String`The Failure URL, which is the page PayU will redirect to if the transaction is failed.
hash `mandatory`	`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)`
address1 `optional`	`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.
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.
state `optional`	`String` The state where your customer resides as part of the billing address,
country `optional`	`String` The country where your customer resides.
zipcode `optional`	`String` Billing address zip code is mandatory for the cardless EMI option. `Character Limit`-20
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.
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.
udf4 `optional`	`String` User-defined fields (udf) are used to store any information corresponding to a particular transaction.
udf5 `optional`	`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

📘Note:

Step 1: Check pre-EMI eligibility for debit card

Step 2: Calculate the EMI interest

Step 3: Post the transaction request and check response

Hashing

Step 4: Check the PayU response

Hash validation logic for payment response (Reverse Hashing)

Sample response

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Note: