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
Before you begin:
Register for a 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 Payments API under API Reference.
| Parameter | Description | Example |
|---|---|---|
keymandatory | StringMerchant key provided by PayU during onboarding. | JPg***r |
txnidmandatory | StringThe transaction ID is a reference number for a specific order that is generated by the merchant. | ypl938459435 |
amount mandatory | StringThe payment amount for the transaction. | 10.00 |
productinfo mandatory | StringA brief description of the product. | iPhone |
firstname mandatory | String The first name of the customer. | Ashish |
emailmandatory | StringThe email address of the customer. | [email protected] |
phonemandatory | StringThe 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 |
furlmandatory | StringThe success URL, which is the page PayU will redirect to if the transaction is successful. | |
surlmandatory | StringThe Failure URL, which is the page PayU will redirect to if the transaction is failed. | |
hashmandatory | StringIt 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.
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"
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.
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 months ago