UPI Integration
PayU allows you to collect payments using UPI handles. For the list of UPI providers supported, refer to UPI Handles.
Steps to Integrate:
1. Validate the UPI handle
Validate the card type using the Validae VPA API
2. Initiate the Payment to PayU
Initiate the payment to PayU with pg=UPI and bankcode=UPI
3. Check response from PayU
Check the response from PayU
4. 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: Validate the UPI handle
When your customer makes payment through UPI, you can validate the customer's Virtual Payment Address (VPA) and then initiate payment. The validateVpa API is used to validate the UPI handle. Validate the VPA (UPI handle) using the validateVpa API. For Try-It experience of validateVpa API, refer to Validate VPA Handle API.
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
Validate VPA
curl -X POST "https://test.payu.in/merchant/postservice?form=2" -H "accept: application/json" -H "Content-Type: application/x-www-form-urlencoded" -d "key=JP***g&command=validateVPA&var1=9999999999@upi&hash=75bb573dce34375a5fa2970afa21023d53e1cf5b8cd80a6472fff9b7c964c7a5da9146c9007df8b7391cbaf2d7d7d91dcaae8bf1d19d1837315a3376d6dc827e"Sample response
Success scenario
if successfully validated:
{
   "status":"SUCCESS",
   "vpa":"9999999999@upi",
   "isVPAValid":1,
   "isAutoPayVPAValid":1,
   "isAutoPayBankValid":"NA",
   "payerAccountName":"ABC"
}
</Accordion>
> 📘 Notes:
>
> * The **payerAccountName** parameter can be empty or NA or will have a payer name based on the value given by the bank.
> * If both **isVPAValid** and **isAutoPayVPAValid** is 1, you must initiate payment for Recurring Payments.
> * Ignore the **isAutoPayBankValid** parameter in the response.
**Failure scenarios**
* If invalid VPA, the response is similar to the following:
```plaintext
{
 "status":"SUCCESS","vpa":"abc@upi","isVPAValid":0,"payerAccountName":"NA"
}  - Invalid VPA but handle supporting SI (Autopay):
{
 "status":"SUCCESS","vpa":"abc@upi","isVPAValid":0,"isAutoPayVPAValid":1,"isAutoPayBankValid":"NA","payerAccountName":"NA"
}- Customer valid but handle not supporting SI (Autopay):
{
  "status":"SUCCESS","vpa":"xyz@freecharge","isVPAValid":1,"isAutoPayVPAValid":0,"isAutoPayBankValid":"NA","payerAccountName":"XYZ"
}- Neither customer valid nor handle supporting Autopay:
{
  "status":"SUCCESS","vpa":"xyz@freecharge","isVPAValid":0,"isAutoPayVPAValid":0,"isAutoPayBankValid":"NA","payerAccountName":"NA"
}Sample VPA validation code
    	// JavaScript example for VPA validation before payment submission
    // This should be run on your server, not client-side
    async function validateVpa(vpa) {
        try {
            // Get hash from server endpoint
            const hashResponse = await fetch('/generate-vpa-hash', {
                method: 'POST',
                headers: { 'Content-Type': 'application/json' },
                body: JSON.stringify({ vpa })
            });
            const { hash } = await hashResponse.json();
            
            // Validate VPA with PayU
            const response = await fetch('https://test.payu.in/merchant/postservice?form=2', {
                method: 'POST',
                headers: { 'Content-Type': 'application/x-www-form-urlencoded' },
                body: new URLSearchParams({
                    key: 'YOUR_MERCHANT_KEY',
                    command: 'validateVPA',
                    var1: vpa, // VPA to validate
                    hash: hash
                })
            });
            
            const result = await response.json();
            
            // Sample response:
            // {"status":1,"msg":"VPA is valid","isVPAValid":1,"isUPIBarredBank":0}
            // OR
            // {"status":0,"msg":"VPA is invalid","isVPAValid":0}
            
            return {
                isValid: result.isVPAValid === 1,
                message: result.msg
            };
        } catch (error) {
            console.error('VPA validation error:', error);
            return { isValid: false, message: 'Validation service error' };
        }
    }
# Once you have the hash, make the API call
curl -X POST "https://test.payu.in/merchant/postservice?form=2"       -H "Content-Type: application/x-www-form-urlencoded"       -d "key=YOUR_MERCHANT_KEY"       -d "command=validateVPA"       -d "var1=customer@upi"       -d "hash=$HASH"
Step 2: Initiate the payment to PayU
Post request syntax & composition
Post Request Syntax & Composition for UPI
<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="UPI" />
<input type="hidden" name="bankcode" value="UPI" />
<input type="hidden" name="vpa" value="test123@okhdfcbank" />
<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>
NoteThe above HTML code block is for Merchant Checkout integration on the UPI call for the test environment.
Request parameters
Request parameters
The following parameters vary for the UPI 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 and response, refer to Collect Payment API - Merchant Hosted Checkout under API Reference.
| Parameter | Description | Example | 
|---|---|---|
| key mandatory | StringMerchant key provided by PayU during onboarding. | JPg***r | 
| txnid mandatory | 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 | StringThe first name of the customer. | Ashish | 
| email mandatory | StringThe email address of the customer. | [email protected] | 
| phone mandatory | StringThe phone number of the customer. | 9988776655 | 
| pg mandatory | StringIt defines the payment category that the merchant wants the customer to see by default on the PayU's payment page. This field must contain the value as "UPI" for UPI transactions. | UPI | 
| bankcode mandatory | StringEach 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 a detailed list of bank codes, please contact the PayU Support. | UPI | 
| vpa mandatory | StringThe VPA of the customer. For the list of bank name part of the handles, refer to UPI Handles.Reference: For the list of test card numbers for EMI, refer to Test Cards, UPI ID and Wallets | test123@okhdfcbank | 
| furl mandatory | StringThe success URL, which is the page PayU will redirect to if the transaction is successful. | https://example.com/success | 
| surl mandatory | StringThe Failure URL, which is the page PayU will redirect to if the transaction is failed. | https://example.com/failure | 
| hash mandatory | 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) | eabec285da28fd... | 
| address1 optional | StringThe 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. | 123 Main Street | 
| address2 optional | StringThe second line of the billing address. | Apt 4B | 
| city optional | StringThe city where your customer resides as part of the billing address. | New Delhi | 
| state optional | StringThe state where your customer resides as part of the billing address. | Delhi | 
| country optional | StringThe country where your customer resides. | India | 
| zipcode optional | StringBilling address zip code is mandatory for the cardless EMI option.Character Limit: 20 | 110001 | 
| udf1 optional | StringUser-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. | Custom Data 1 | 
| udf2 optional | StringUser-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. | Custom Data 2 | 
| udf3 optional | StringUser-defined fields (udf) are used to store any information corresponding to a particular transaction. | Custom Data 3 | 
| udf4 optional | StringUser-defined fields (udf) are used to store any information corresponding to a particular transaction. | Custom Data 4 | 
| udf5 optional | StringUser-defined fields (udf) are used to store any information corresponding to a particular transaction. | Custom Data 5 | 
Understanding Hashing and sample code
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.
Hashing Sample Code
<?php
function generateHash($params, $salt) {
    // Extract parameters or use empty string if not provided
    $key = $params['key'];
    $txnid = $params['txnid'];
    $amount = $params['amount'];
    $productinfo = $params['productinfo'];
    $firstname = $params['firstname'];
    $email = $params['email'];
    $udf1 = isset($params['udf1']) ? $params['udf1'] : '';
    $udf2 = isset($params['udf2']) ? $params['udf2'] : '';
    $udf3 = isset($params['udf3']) ? $params['udf3'] : '';
    $udf4 = isset($params['udf4']) ? $params['udf4'] : '';
    $udf5 = isset($params['udf5']) ? $params['udf5'] : '';
    
    // Construct hash string with exact parameter sequence
    $hashString = $key . '|' . $txnid . '|' . $amount . '|' . $productinfo . '|' . 
                  $firstname . '|' . $email . '|' . $udf1 . '|' . $udf2 . '|' . 
                  $udf3 . '|' . $udf4 . '|' . $udf5 . '||||||' . $salt;
    
    // Generate hash and convert to lowercase
    return strtolower(hash('sha512', $hashString));
}
// Example usage
$params = [
    'key' => 'yourKey',
    'txnid' => 'yourTxnId',
    'amount' => 'yourAmount',
    'productinfo' => 'yourProductInfo',
    'firstname' => 'yourFirstName',
    'email' => 'yourEmail',
    'udf1' => 'optional_value1'
    // udf2, udf3, udf4, udf5 not provided - will be empty strings
];
$salt = 'yourSalt';
$hash = generateHash($params, $salt);
echo 'Generated Hash: ' . $hash;
?>
import java.nio.charset.StandardCharsets;
import java.security.MessageDigest;
import java.security.NoSuchAlgorithmException;
import java.util.HashMap;
import java.util.Map;
public class ImprovedHashGenerator {
    public static String generateHash(Map<String, String> params, String salt) {
        // Extract parameters or use empty string if not provided
        String key = params.get("key");
        String txnid = params.get("txnid");
        String amount = params.get("amount");
        String productinfo = params.get("productinfo");
        String firstname = params.get("firstname");
        String email = params.get("email");
        String udf1 = params.getOrDefault("udf1", "");
        String udf2 = params.getOrDefault("udf2", "");
        String udf3 = params.getOrDefault("udf3", "");
        String udf4 = params.getOrDefault("udf4", "");
        String udf5 = params.getOrDefault("udf5", "");
        
        // Construct hash string with exact parameter sequence
        String hashString = key + "|" + txnid + "|" + amount + "|" + productinfo + "|" + 
                         firstname + "|" + email + "|" + udf1 + "|" + udf2 + "|" + 
                         udf3 + "|" + udf4 + "|" + udf5 + "||||||" + salt;
        
        return sha512(hashString);
    }
    private static String sha512(String input) {
        try {
            MessageDigest md = MessageDigest.getInstance("SHA-512");
            byte[] hashBytes = md.digest(input.getBytes(StandardCharsets.UTF_8));
            StringBuilder sb = new StringBuilder();
            for (byte b : hashBytes) {
                sb.append(String.format("%02x", b));
            }
            return sb.toString().toLowerCase();
        } catch (NoSuchAlgorithmException e) {
            throw new RuntimeException(e);
        }
    }
    public static void main(String[] args) {
        // Example usage with parameters map
        Map<String, String> params = new HashMap<>();
        params.put("key", "yourKey");
        params.put("txnid", "yourTxnId");
        params.put("amount", "yourAmount");
        params.put("productinfo", "yourProductInfo");
        params.put("firstname", "yourFirstName");
        params.put("email", "yourEmail");
        params.put("udf1", "optional_value1");
        // udf2, udf3, udf4, udf5 not provided - will be empty strings
        
        String salt = "yourSalt";
        String hash = generateHash(params, salt);
        System.out.println("Generated Hash: " + hash);
    }
}
using System;
using System.Collections.Generic;
using System.Security.Cryptography;
using System.Text;
public class ImprovedHashGenerator
{
    public static string GenerateHash(Dictionary<string, string> parameters, string salt)
    {
        // Extract parameters or use empty string if not provided
        string key = parameters["key"];
        string txnid = parameters["txnid"];
        string amount = parameters["amount"];
        string productinfo = parameters["productinfo"];
        string firstname = parameters["firstname"];
        string email = parameters["email"];
        
        // Get UDF values if present, otherwise use empty string
        string udf1 = parameters.ContainsKey("udf1") ? parameters["udf1"] : "";
        string udf2 = parameters.ContainsKey("udf2") ? parameters["udf2"] : "";
        string udf3 = parameters.ContainsKey("udf3") ? parameters["udf3"] : "";
        string udf4 = parameters.ContainsKey("udf4") ? parameters["udf4"] : "";
        string udf5 = parameters.ContainsKey("udf5") ? parameters["udf5"] : "";
        
        // Construct hash string with exact parameter sequence
        string hashString = $"{key}|{txnid}|{amount}|{productinfo}|{firstname}|{email}|{udf1}|{udf2}|{udf3}|{udf4}|{udf5}||||||{salt}";
        
        return Sha512(hashString);
    }
    private static string Sha512(string input)
    {
        using (SHA512 sha512 = SHA512.Create())
        {
            byte[] bytes = sha512.ComputeHash(Encoding.UTF8.GetBytes(input));
            StringBuilder sb = new StringBuilder();
            foreach (byte b in bytes)
            {
                sb.Append(b.ToString("x2"));
            }
            return sb.ToString().ToLower();
        }
    }
    public static void Main(string[] args)
    {
        // Example usage with parameters dictionary
        Dictionary<string, string> parameters = new Dictionary<string, string>
        {
            ["key"] = "yourKey",
            ["txnid"] = "yourTxnId",
            ["amount"] = "yourAmount",
            ["productinfo"] = "yourProductInfo",
            ["firstname"] = "yourFirstName",
            ["email"] = "yourEmail",
            ["udf1"] = "optional_value1"
            // udf2, udf3, udf4, udf5 not provided - will be empty strings
        };
        
        string salt = "yourSalt";
        string hash = GenerateHash(parameters, salt);
        Console.WriteLine("Generated Hash: " + hash);
    }
}import hashlib
def generate_hash(params, salt):
    # Extract parameters or use empty string if not provided
    key = params['key']
    txnid = params['txnid']
    amount = params['amount']
    productinfo = params['productinfo']
    firstname = params['firstname']
    email = params['email']
    udf1 = params.get('udf1', '')
    udf2 = params.get('udf2', '')
    udf3 = params.get('udf3', '')
    udf4 = params.get('udf4', '')
    udf5 = params.get('udf5', '')
    
    # Construct hash string with exact parameter sequence
    hash_string = f"{key}|{txnid}|{amount}|{productinfo}|{firstname}|{email}|{udf1}|{udf2}|{udf3}|{udf4}|{udf5}||||||{salt}"
    
    # Generate SHA-512 hash
    return hashlib.sha512(hash_string.encode('utf-8')).hexdigest()
# Example usage
params = {
    'key': 'yourKey',
    'txnid': 'yourTxnId',
    'amount': 'yourAmount',
    'productinfo': 'yourProductInfo',
    'firstname': 'yourFirstName',
    'email': 'yourEmail',
    'udf1': 'optional_value1'
    # udf2, udf3, udf4, udf5 not provided - will default to empty strings
}
salt = 'yourSalt'
hash_value = generate_hash(params, salt)
print("Generated Hash:", hash_value)
const crypto = require('crypto');
function generateHash(params, salt) {
    // Extract parameters or use empty string if not provided
    const key = params.key;
    const txnid = params.txnid;
    const amount = params.amount;
    const productinfo = params.productinfo;
    const firstname = params.firstname;
    const email = params.email;
    const udf1 = params.udf1 || '';
    const udf2 = params.udf2 || '';
    const udf3 = params.udf3 || '';
    const udf4 = params.udf4 || '';
    const udf5 = params.udf5 || '';
    
    // Construct hash string with exact parameter sequence
    const hashString = `${key}|${txnid}|${amount}|${productinfo}|${firstname}|${email}|${udf1}|${udf2}|${udf3}|${udf4}|${udf5}||||||${salt}`;
    
    // Generate SHA-512 hash
    return crypto.createHash('sha512').update(hashString).digest('hex');
}
// Example usage
const params = {
    key: 'yourKey',
    txnid: 'yourTxnId',
    amount: 'yourAmount',
    productinfo: 'yourProductInfo',
    firstname: 'yourFirstName',
    email: 'yourEmail',
    udf1: 'optional_value1'
    // udf2, udf3, udf4, udf5 not provided - will default to empty strings
};
const salt = 'yourSalt';
const hash = generateHash(params, salt);
console.log("Generated Hash:", 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=xdB9G7qYpfqszo&amount=10&firstname=PayU User&[email protected]&phone=9876543210&productinfo=iPhone&pg=UPI&bankcode=UPI&vpa=VPA-anything@payu&surl=https://apiplayground-response.herokuapp.com/&furl=https://apiplayground-response.herokuapp.com/&hash=649bc87e0e8ee7bbd1e930d43c99a9165eb9fa7a3f4542a33e8d66bd207a63d631708fd9781e56b133581f7dabeaa67baa5609d5e5c9990f986792d59e7d41cb"import requests
url = "https://test.payu.in/_payment"
headers = {
  "accept": "application/json",
  "Content-Type": "application/x-www-form-urlencoded"
}
data = {
  "key": "JP***g",
  "txnid": "xdB9G7qYpfqszo",
  "amount": "10",
  "firstname": "PayU User",
  "email": "[email protected]",
  "phone": "9876543210",
  "productinfo": "iPhone",
  "pg": "UPI",
  "bankcode": "UPI",
  "vpa": "VPA-anything@payu",
  "surl": "https://apiplayground-response.herokuapp.com/",
  "furl": "https://apiplayground-response.herokuapp.com/",
  "hash": "649bc87e0e8ee7bbd1e930d43c99a9165eb9fa7a3f4542a33e8d66bd207a63d631708fd9781e56b133581f7dabeaa67baa5609d5e5c9990f986792d59e7d41cb"
}
response = requests.post(url, headers=headers, data=data)
print(response.status_code)
print(response.text)use strict;
use warnings;
use LWP::UserAgent;
use HTTP::Request::Common qw(POST);
my $url = "https://test.payu.in/_payment";
my $ua = LWP::UserAgent->new();
my $response = $ua->request(POST $url,
    'Accept' => 'application/json',
    'Content-Type' => 'application/x-www-form-urlencoded',
    Content => [
        key => 'JP***g',
        txnid => 'xdB9G7qYpfqszo',
        amount => '10',
        firstname => 'PayU User',
        email => '[email protected]',
        phone => '9876543210',
        productinfo => 'iPhone',
        pg => 'UPI',
        bankcode => 'UPI',
        vpa => 'VPA-anything@payu',
        surl => 'https://apiplayground-response.herokuapp.com/',
        furl => 'https://apiplayground-response.herokuapp.com/',
        hash => '649bc87e0e8ee7bbd1e930d43c99a9165eb9fa7a3f4542a33e8d66bd207a63d631708fd9781e56b133581f7dabeaa67baa5609d5e5c9990f986792d59e7d41cb'
    ]
);
print "Status: " . $response->code . "\n";
print "Response: " . $response->content . "\n";import java.io.IOException;
import java.net.URI;
import java.net.URLEncoder;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
import java.nio.charset.StandardCharsets;
import java.util.HashMap;
import java.util.Map;
import java.util.stream.Collectors;
public class PayURequest {
    public static void main(String[] args) throws IOException, InterruptedException {
        String url = "https://test.payu.in/_payment";
        
        Map<String, String> parameters = new HashMap<>();
        parameters.put("key", "JP***g");
        parameters.put("txnid", "xdB9G7qYpfqszo");
        parameters.put("amount", "10");
        parameters.put("firstname", "PayU User");
        parameters.put("email", "[email protected]");
        parameters.put("phone", "9876543210");
        parameters.put("productinfo", "iPhone");
        parameters.put("pg", "UPI");
        parameters.put("bankcode", "UPI");
        parameters.put("vpa", "VPA-anything@payu");
        parameters.put("surl", "https://apiplayground-response.herokuapp.com/");
        parameters.put("furl", "https://apiplayground-response.herokuapp.com/");
        parameters.put("hash", "649bc87e0e8ee7bbd1e930d43c99a9165eb9fa7a3f4542a33e8d66bd207a63d631708fd9781e56b133581f7dabeaa67baa5609d5e5c9990f986792d59e7d41cb");
        
        String formData = parameters.entrySet()
                .stream()
                .map(entry -> URLEncoder.encode(entry.getKey(), StandardCharsets.UTF_8) + "=" + 
                             URLEncoder.encode(entry.getValue(), StandardCharsets.UTF_8))
                .collect(Collectors.joining("&"));
        
        HttpClient client = HttpClient.newHttpClient();
        HttpRequest request = HttpRequest.newBuilder()
                .uri(URI.create(url))
                .header("Accept", "application/json")
                .header("Content-Type", "application/x-www-form-urlencoded")
                .POST(HttpRequest.BodyPublishers.ofString(formData))
                .build();
        
        HttpResponse<String> response = client.send(request, HttpResponse.BodyHandlers.ofString());
        
        System.out.println("Status Code: " + response.statusCode());
        System.out.println("Response: " + response.body());
    }
}const url = 'https://test.payu.in/merchant/postservice?form=2';
const data = new URLSearchParams({
key: 'JP***g',
command: 'validateVPA',
var1: '9999999999@upi',
hash: '75bb573dce34375a5fa2970afa21023d53e1cf5b8cd80a6472fff9b7c964c7a5da9146c9007df8b7391cbaf2d7d7d91dcaae8bf1d19d1837315a3376d6dc827e'
});
const response = await fetch(url, {
method: 'POST',
headers: {
 'Accept': 'application/json',
 'Content-Type': 'application/x-www-form-urlencoded'
},
body: data.toString()
});
const result = await response.json();
console.log(result);Step 3: 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
    Array
    (
        [mihpayid] => 403993715523409521
        [mode] => UPI
        [status] => success
        [unmappedstatus] => captured
        [key] => JPM7Fg
        [txnid] => 5jJ9xRceXX1ydT
        [amount] => 10.00
        [discount] => 0.00
        [net_amount_debit] => 1000
        [addedon] => 2021-07-02 15:03:50
        [productinfo] => iPhone
        [firstname] => PayU User
        [lastname] => 
        [address1] => 
        [address2] => 
        [city] => 
        [state] => 
        [country] => 
        [zipcode] => 
        [email] => [email protected]
        [phone] => 9876543210
        [udf1] => 
        [udf2] => 
        [udf3] => 
        [udf4] => 
        [udf5] => 
        [udf6] => 
        [udf7] => 
        [udf8] => 
        [udf9] => 
        [udf10] => 
        [hash] => 716f92a6452adadba68d133ba7f5ca3f3403f03f554e3ef850911f3e6727ee73402b249054170ad276c8b55ca12368a5e27cc69ffb0642ef6403dae9a5708794
        [field1] => vpa-anything@payu
        [field2] => 5jJ9xRceXX1ydT
        [field3] => 
        [field4] => PayU User
        [field5] => AXIhh4ExnaJ9dKiJvPxsewHwxMMmT3ba7UY
        [field6] => 
        [field7] => Transaction completed successfully
        [field8] => 
        [field9] => Transaction completed successfully
        [payment_source] => payu
        [PG_TYPE] => UPI-PG
        [bank_ref_num] => 5jJ9xRceXX1ydT
        [bankcode] => UPI
        [error] => E000
        [error_Message] => No Error
    )Step 4: 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. 
Recommended integrations for UPI
- 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 Offers Dashboard and Offers Integration APIs
 
Updated 8 days ago
