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:

Validate the UPI handle
Initiate the Payment to PayU
Check response from PayU
Verify the 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: 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 more information, refer to Validate VPA Handle API.

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>

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Note
The above HTML code block is for Merchant Checkout integration on the UPI call for the test environment.

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 Payments API under API Reference.

Parameter	Description	Example
key `mandatory`	`String`Merchant key provided by PayU during onboarding.	JPg***r
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` It 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`	`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 a detailed list of bank codes, please contact the PayU Support.	UPI
vpa `mandatory`	String The 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`	`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=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"

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 (parsed)

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

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

📘
Tip
The transaction ID that you posted in Step 2 with PayU must be used here.

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 10 days ago

UPI Integration

👍
Before you begin:

Step 1: Validate the UPI handle

Step 2: Initiate the payment to PayU

Post request syntax & composition

📘
Note

Request parameters

📘
Reference:

Hashing

Sample request

Step 3: Check response from PayU

Hash validation logic for payment response (Reverse Hashing)

Sample response (parsed)

Step 4: Verify the payment

📘
Tip

Recommended integrations for UPI

👍Before you begin:

Step 1: Validate the UPI handle

Step 2: Initiate the payment to PayU

Post request syntax & composition

📘Note

Request parameters

📘Reference:

Hashing

Sample request

Step 3: Check response from PayU

Hash validation logic for payment response (Reverse Hashing)

Sample response (parsed)

Step 4: Verify the payment

📘Tip

Recommended integrations for UPI

👍
Before you begin:

📘
Note

📘
Reference:

📘
Tip