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.
The Net Banking with Merchant Hosted Checkout integration involves the following steps:
1. Initiate the Payment to PayU
Initiate the payment to PayU with pg=NEFT and bankcode=<based on bank>
2. Check response from PayU
Check the response from PayU
3. Verify the payment
Verify the payment using verify_payment and monitor using webhooks
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 pg and bankcode 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 Try-IT experience, 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'))
<?php
// PayU Payment Gateway API Request
// Set the API endpoint
$url = "https://test.payu.in/_payment";
// Prepare the form data
$postData = array(
'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'
);
// Initialize cURL session
$ch = curl_init();
// Set cURL options
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($postData));
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, array(
'Accept: application/json',
'Content-Type: application/x-www-form-urlencoded'
));
// Optional: Disable SSL verification for testing (not recommended for production)
// curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, false);
// curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, false);
// Execute the request
$response = curl_exec($ch);
// Check for cURL errors
if (curl_errno($ch)) {
echo 'cURL Error: ' . curl_error($ch);
} else {
// Get HTTP status code
$httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE);
echo "HTTP Status Code: " . $httpCode . "\n";
echo "Response: " . $response . "\n";
}
// Close cURL session
curl_close($ch);
// Optional: Parse JSON response if needed
$responseData = json_decode($response, true);
if ($responseData !== null) {
echo "Parsed Response:\n";
print_r($responseData);
}
?>
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
Upon receiving the response, we recommend performing a reconciliation step to validate all transaction details.
You can verify your payments using either of the following methods:
Configure the webhooks to monitor the status of payments.
Webhooks enable a server to communicate with another server by sending an HTTP callback or message.
These callbacks are triggered by specific events or instances and operate at the server-to-server (S2S) level.
👉 For more details, refer to Webhooks for Payments.
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" icon="fa-code">
- 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