Net Banking Integration

Collect payments using Net Banking 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.

Steps to Integrate

Initiate the payment to PayU
Check the response from PayU
Verify 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 to PayU

Post request syntax & composition

Post Request Syntax & Composition for Net Banking

<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="[email protected]" />
<input type="hidden" name="firstname" value="Ashish" />
<input type="hidden" name="lastname" value="Kumar" />
<input type="hidden" name="pg" value="TESTPG" />
<input type="hidden" name="bankcode" value="TESTPGNB" />
<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 above HTML code block is for Merchant Checkout integration on the Net Banking call for the test environment.

Request parameters

The following parameters vary for the NetBanking payment mode in the Collect Payment API (_payment API).

Environment


Test Environment	<https://test.payu.in/_payment>
Production Environment	<https://secure.payu.in/_payment>

📘
Reference: For the complete list of parameters and response, refer to Collect Payment API - Merchant Hosted Checkout under API Reference.

Parameter	Description	Example
key `mandatory`	`String` Merchant key provided by PayU during onboarding.	JP***g
txnId `mandatory`	`String` The transaction ID is a reference number for a specific order that is generated by the merchant.	ypl938459435
amount `mandatory`	`String` The payment amount for the transaction.	10.00
productinfo `mandatory`	`String` A brief description of the product.	iPhone
firstname `mandatory`	`String` The first name of the customer.	Ashish
email `mandatory`	`String` The email address of the customer.	[email protected]
phone `mandatory`	`String` The phone number of the customer.
pg `mandatory`	`String` This parameter defined the payment gateway. For NetBanking, pg=NB.	TESTPG
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. For the list of bank codes that can be used with the bankcode parameter, refer to Net Banking Codes . Reference*: For the test Net Banking credentials, refer to Test Cards, UPI ID and Wallets .	TESTPGNB
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.

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=ewP8oRopzdHEtC&amount=10.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=TESTPG&bankcode=TESTPGNB&surl=https://apiplayground-response.herokuapp.com/&furl=https://apiplayground-response.herokuapp.com/&hash=bff508ec0974b20fe4be6c86cceab8c8dde88c4061a2a70373ddd0bbd3d24b21ae13984915fad06f9802f56b01a30da4e367e4e749959a76c3b2e5f12eb43319"

/**
 * PayU Payment Request using Fetch API
 * 
 * IMPORTANT: This should only be executed server-side, 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');
formData.append('txnid', 'ewP8oRopzdHEtC');
formData.append('amount', '10.00');
formData.append('firstname', 'Ashish');
formData.append('email', '[email protected]');
formData.append('phone', '9876543210');
formData.append('productinfo', 'iPhone');
formData.append('pg', 'TESTPG');
formData.append('bankcode', 'TESTPGNB');
formData.append('surl', 'https://apiplayground-response.herokuapp.com/');
formData.append('furl', 'https://apiplayground-response.herokuapp.com/');
formData.append('hash', 'bff508ec0974b20fe4be6c86cceab8c8dde88c4061a2a70373ddd0bbd3d24b21ae13984915fad06f9802f56b01a30da4e367e4e749959a76c3b2e5f12eb43319');

// 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);
  })
  .catch(error => {
    console.error('Error:', error);
  });

import urllib.request
import urllib.parse

url = "https://test.payu.in/_payment"

headers = {
    "accept": "application/json",
    "Content-Type": "application/x-www-form-urlencoded"
}

payload = {
    "key": "JP***g",
    "txnid": "ewP8oRopzdHEtC",
    "amount": "10.00",
    "firstname": "Ashish",
    "email": "[email protected]",
    "phone": "9876543210",
    "productinfo": "iPhone",
    "pg": "TESTPG",
    "bankcode": "TESTPGNB",
    "surl": "https://apiplayground-response.herokuapp.com/",
    "furl": "https://apiplayground-response.herokuapp.com/",
    "hash": "bff508ec0974b20fe4be6c86cceab8c8dde88c4061a2a70373ddd0bbd3d24b21ae13984915fad06f9802f56b01a30da4e367e4e749959a76c3b2e5f12eb43319"
}

data = urllib.parse.urlencode(payload).encode('utf-8')
req = urllib.request.Request(url, data=data, headers=headers, method="POST")

try:
    with urllib.request.urlopen(req) as response:
        response_body = response.read().decode('utf-8')
        print("Status Code:", response.getcode())
        print("Response:")
        print(response_body)
except urllib.error.HTTPError as e:
    print("Error:", e.code, e.reason)
    print(e.read().decode('utf-8'))

import urllib.request
import urllib.parse

url = "https://test.payu.in/_payment"

headers = {
    "accept": "application/json",
    "Content-Type": "application/x-www-form-urlencoded"
}

payload = {
    "key": "JP***g",
    "txnid": "ewP8oRopzdHEtC",
    "amount": "10.00",
    "firstname": "Ashish",
    "email": "[email protected]",
    "phone": "9876543210",
    "productinfo": "iPhone",
    "pg": "TESTPG",
    "bankcode": "TESTPGNB",
    "surl": "https://apiplayground-response.herokuapp.com/",
    "furl": "https://apiplayground-response.herokuapp.com/",
    "hash": "bff508ec0974b20fe4be6c86cceab8c8dde88c4061a2a70373ddd0bbd3d24b21ae13984915fad06f9802f56b01a30da4e367e4e749959a76c3b2e5f12eb43319"
}

data = urllib.parse.urlencode(payload).encode('utf-8')
req = urllib.request.Request(url, data=data, headers=headers, method="POST")

try:
    with urllib.request.urlopen(req) as response:
        response_body = response.read().decode('utf-8')
        print("Status Code:", response.getcode())
        print("Response:")
        print(response_body)
except urllib.error.HTTPError as e:
    print("Error:", e.code, e.reason)
    print(e.read().decode('utf-8'))

import java.io.BufferedReader;
import java.io.DataOutputStream;
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;

public class PayUPaymentRequest {
    
    public static void main(String[] args) {
        try {
            // API endpoint
            String url = "https://test.payu.in/_payment";
            
            // Form parameters
            Map<String, String> params = new HashMap<>();
            params.put("key", "JP***g");
            params.put("txnid", "ewP8oRopzdHEtC");
            params.put("amount", "10.00");
            params.put("firstname", "Ashish");
            params.put("email", "[email protected]");
            params.put("phone", "9876543210");
            params.put("productinfo", "iPhone");
            params.put("pg", "TESTPG");
            params.put("bankcode", "TESTPGNB");
            params.put("surl", "https://apiplayground-response.herokuapp.com/");
            params.put("furl", "https://apiplayground-response.herokuapp.com/");
            params.put("hash", "bff508ec0974b20fe4be6c86cceab8c8dde88c4061a2a70373ddd0bbd3d24b21ae13984915fad06f9802f56b01a30da4e367e4e749959a76c3b2e5f12eb43319");
            
            // Convert parameters to URL encoded form data
            StringJoiner sj = new StringJoiner("&");
            for (Map.Entry<String, String> entry : params.entrySet()) {
                sj.add(URLEncoder.encode(entry.getKey(), "UTF-8") + "="
                     + URLEncoder.encode(entry.getValue(), "UTF-8"));
            }
            byte[] postData = sj.toString().getBytes(StandardCharsets.UTF_8);
            
            // Create connection
            URL apiUrl = new URL(url);
            HttpURLConnection conn = (HttpURLConnection) apiUrl.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);
            
            // Send request
            try (DataOutputStream dos = new DataOutputStream(conn.getOutputStream())) {
                dos.write(postData);
            }
            
            // Read response
            int responseCode = conn.getResponseCode();
            try (BufferedReader br = new BufferedReader(
                    new InputStreamReader(conn.getInputStream(), StandardCharsets.UTF_8))) {
                StringBuilder response = new StringBuilder();
                String responseLine;
                while ((responseLine = br.readLine()) != null) {
                    response.append(responseLine.trim());
                }
                
                System.out.println("Status Code: " + responseCode);
                System.out.println("Response: " + response.toString());
            }
            
        } catch (Exception e) {
            e.printStackTrace();
        }
    }
}

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)

Sample response (parsed)

Array
(
    [mihpayid] => 403993715524045752
    [mode] => NB
    [status] => success
    [unmappedstatus] => captured
    [key] => JPM7Fg
    [txnid] => ewP8oRopzdHEtC
    [amount] => 10.00
    [discount] => 0.00
    [net_amount_debit] => 10
    [addedon] => 2021-09-06 13:27:08
    [productinfo] => iPhone
    [firstname] => Ashish
    [lastname] => 
    [address1] => 
    [address2] => 
    [city] => 
    [state] => 
    [country] => 
    [zipcode] => 
    [email] => [email protected]
    [phone] => 9876543210
    [udf1] => 
    [udf2] => 
    [udf3] => 
    [udf4] => 
    [udf5] => 
    [udf6] => 
    [udf7] => 
    [udf8] => 
    [udf9] => 
    [udf10] => 
    [hash] => 1be7e6e97ab1ea9034b9a107e7cf9718308aa9637b4dbbd1a3343c91b0da02b34a40d00ac7267ebe81c20ea1129b931371c555d565bc6e11f470c3d2cf69b5a3
    [field1] => 
    [field2] => 
    [field3] => 
    [field4] => 
    [field5] => 
    [field6] => 
    [field7] => 
    [field8] => 
    [field9] => Transaction Completed Successfully
    [payment_source] => payu
    [PG_TYPE] => NB-PG
    [bank_ref_num] => 87d3b2a1-5a60-4169-8692-649f61923b3d
    [bankcode] => TESTPGNB
    [error] => E000
    [error_Message] => No Error
)

Step 3: Verify the payment

Verify the transaction details using the Verification APIs. For more information, refer to Verify Payment API under API Reference.

📘
Tip: The transaction ID that you posted in Step 1 with PayU must be used here.

Environment


Test Environment	https://test.payu.in/merchant/postservice.php?form=2
Production Environment	https://info.payu.in/merchant/postservice.php?form=2

Sample request

curl --location 'https://test.payu.in/merchant/postservice.php?form=2' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'key=JP***g' \
--data-urlencode 'command=verify_payment' \
--data-urlencode 'var1=IhfgcZnXR4o4nB' \
--data-urlencode 'hash=a0ae79fdd66c875af6e9b21c4a67f1822deb00f2df5e9f0b1948f3222f536a9bf741b24efbb1874ca0f84f76b036e6c0d641581d0100f7abe4aeed2f3264f5c9'

Sample response

If credit card payment is made, the response is similar to the following:

{
    "status": 1,
    "msg": "1 out of 1 Transactions Fetched Successfully",
    "transaction_details": {
        "1733900931584": {
            "mihpayid": "21820644083",
            "request_id": null,
            "bank_ref_num": null,
            "amt": "1.00",
            "transaction_amount": "1.00",
            "txnid": "1733900931584",
            "additional_charges": "0.00",
            "productinfo": "Macbook Pro",
            "firstname": "Abc",
            "bankcode": "MAST",
            "udf1": "udf1",
            "udf2": "udf2",
            "udf3": "udf3",
            "udf4": "udf4",
            "udf5": "udf5",
            "field2": null,
            "field9": "OTP/ATM page expired due to no user action",
            "error_code": "E1602",
            "addedon": "2024-12-11 12:43:03",
            "payment_source": "payu",
            "card_type": "MAST",
            "error_Message": "Bank was unable to authenticate.",
            "net_amount_debit": "0.00",
            "disc": "0.00",
            "mode": "DC",
            "PG_TYPE": "DC-PG",
            "card_no": "XXXXXXXXXXXX7596",
            "status": "failure",
            "unmappedstatus": "dropped",
            "Merchant_UTR": null,
            "Settled_At": null,
            "cardhash": "095d184331be367bb92aa3eeecb57d0728de96cc598dd563d407982d75021149",
            "name_on_card": null,
            "card_token": "4e97156bc2d6320cdfe15",
            "field4": null,
            "threeDSVersion": "2.2.0",
            "offerAvailed": null
        }
    }
}

Offer availed on cart level

{
    "status": 1,
    "msg": "1 out of 1 Transactions Fetched Successfully",
    "transaction_details": {
        "1036-f0cf85f2": {
            "mihpayid": "21564143078",
            "request_id": "",
            "bank_ref_num": "431998369241",
            "amt": "2.00",
            "transaction_amount": "2.00",
            "txnid": "1036-f0cf85f2",
            "additional_charges": "0.00",
            "productinfo": "EXPRESS",
            "firstname": "guest",
            "bankcode": "TEZOMNI",
            "udf1": "Magento2",
            "udf2": "",
            "udf3": "",
            "udf4": "",
            "udf5": "qs8rbc1ng2hmqtakk381en6j2p",
            "field2": "114390824407",
            "field9": "SUCCESS|Completed Using Callback",
            "error_code": "E000",
            "addedon": "2024-11-14 16:06:40",
            "payment_source": "express",
            "card_type": null,
            "error_Message": "NO ERROR",
            "net_amount_debit": 2.00,
            "disc": "0.00",
            "mode": "UPI",
            "PG_TYPE": "UPI-PG",
            "card_no": "",
            "status": "success",
            "unmappedstatus": "captured",
            "Merchant_UTR": null,
            "Settled_At": "0000-00-00 00:00:00",
            "App_Name": "GooglePay",
            "card_token": null,
            "field4": null,
            "offerAvailed": null,
            "cart_details": {
                "id": "2446425",
                "payu_id": "21564143078",
                "total_items": "1",
                "total_cart_amount": "2.00",
                "offer_applied": null,
                "offer_availed": null,
                "offer_auto_apply": "0",
                "instant_discount": "0.00",
                "cashback_discount": "0.00",
                "total_discount": "0.00",
                "net_cart_amount": "2.00",
                "created_at": "2024-11-14 16:06:40",
                "updated_at": "2024-11-14 16:06:40",
                "sku_details": [
                    {
                        "id": "3468748",
                        "cart_id": "2446425",
                        "payu_id": "21564143078",
                        "mid": "2",
                        "sku_id": "Sample Sofa Design-Red",
                        "sku_name": "Sample Sofa Designtest?=!name",
                        "amount_per_sku": "2.00",
                        "quantity": "1",
                        "amount_before_discount": "2.00",
                        "discount": "0.00",
                        "amount_after_discount": "2.00",
                        "offer_applied": null,
                        "offer_availed": null,
                        "offer_status": null,
                        "offer_type": null,
                        "offer_auto_apply": "0",
                        "is_nce": "0",
                        "failure_reason": null,
                        "created_at": "2024-11-14 16:06:40",
                        "updated_at": "2024-11-14 16:06:40",
                        "offer_title": null,
                        "offer_description": null,
                        "instant_discount": null,
                        "cashback_discount": null,
                        "offers_raw_response": null,
                        "raw_response": null
                    }
                ]
            }
        }
    }
}

Offer availed at Transaction level

{
    "status": 1,
    "msg": "1 out of 1 Transactions Fetched Successfully",
    "transaction_details": {
        "1725950872187": {
            "mihpayid": "20911942990",
            "request_id": null,
            "bank_ref_num": null,
            "amt": "9900.00",
            "transaction_amount": "10000.00",
            "txnid": "1725950872187",
            "additional_charges": "0.00",
            "productinfo": "Macbook Pro",
            "firstname": "Abc",
            "bankcode": "MAST",
            "udf1": "udf1",
            "udf2": "udf2",
            "udf3": "udf3",
            "udf4": "udf4",
            "udf5": "udf5",
            "field2": null,
            "field9": "You have reached credit card load limit. Please use other payment options to continue.",
            "error_code": "E4936",
            "addedon": "2024-09-10 12:18:20",
            "payment_source": "payu",
            "card_type": "MAST",
            "error_Message": "Bank was unable to authenticate.",
            "net_amount_debit": "0.00",
            "disc": "100.00",
            "mode": "DC",
            "PG_TYPE": "DC-PG",
            "card_no": "XXXXXXXXXXXX9528",
            "status": "failure",
            "unmappedstatus": "failed",
            "Merchant_UTR": null,
            "Settled_At": null,
            "cardhash": "31056eb2112b68cdc90896f1953ca26605bb525249096172c178881bcd45ac93",
            "name_on_card": null,
            "card_token": null,
            "field4": null,
            "offerApplied": "LoadTest1@m3phN7YptAA6",
            "offerAvailed": "LoadTest1@m3phN7YptAA6",
            "transactionOffer": "{"offer_data":[{"offer_key":"LoadTest1@m3phN7YptAA6","discount":100,"offer_type":"INSTANT","isNoCost":false,"flag_to_fail":false,"status":"SUCCESS","failure_code":null,"failure_reason":"Offer Applied Successfully","offer_description":"Load Test 1","offer_title":"Load Test 1","record_type":"OFFER","parent_offer_key":null,"offer_category":null,"isDpEmi":false}],"discount_data":{"total_discount":100,"cashback_discount":0,"instant_discount":100,"total_nce_discount":0,"instant_nce_discount":0,"cashback_nce_discount":0,"gstSubventedViaOffer":false,"downPaymentAmount":0}}",
            "offerType": "instant",
            "offerLevel": "TRANSACTION_LEVEL"
        }
    }
}

Failure Responses

If txnID is not found, the response is similar to the following:

{
"status":0,"msg":"0 out of 1 Transactions Fetched

Successfully","transaction_details":{"IhfgcZnXR4o4nB":{"mihpayid":"Not Found","status":"Not Found"}}
}

Response parameters

Parameter	Description	Example
status	This parameter returns the status of web service call. The status can be any of the following: 0 - If web service call failed. 1 - If web service call succeeded	0
msg	This parameter returns the reason string.	For example, any of the following messages are displayed: Parameter missing Token is empty Amount is empty Transaction not exists
transaction_details	This parameter contains the response in a JSON format. For more information refer to JSON fields description for transaction_details parameter .
request_id	PayU Request ID for a request in a Transaction. For example, a transaction can have a refund request.	7800456
bank_ref_num	This parameter returns the bank reference number. If the bank provides after a successful action.	204519474956

To learn more about the possible error codes and their description, refer to Error Codes.

Check Net Banking health

You can check whether the Net Banking server is up and running using the getNetBankingStatus API. If the Net Banking server is down for a bank, you can inform your customers that the Net Banking server is down. For more information on the getNetBankingStatus API, refer to getNetBankingStatus.

Recommended integrations for Net Banking

Recurring Payments: Enable recurring payments or subscriptions for wallets. For more information, refer to Recurring Payments Integration.
Offers: Configure offers for cards on Dashboard and then collect payments with offers. For more information, refer to Create a No-Cost EMI Offer and Create a SKU-Based Offer.

Updated 2 days ago