General Flow

Steps to Integrate:

  1. Check the BNPL eligibility
  2. Initiate the payment
  3. Check payment response from PayU

Step 1: Check the BNPL eligibility

When your customer makes a payment through BNPL, you can check the customer’s eligibility using the Get Checkout Details API and then initiate payment.


Minimum amount for BNPL transaction

The minimum amount for BNPL transactions shall vary for each bank, so you need to check with the banks for the minimum amount.

For request parameters and response to perform BNPL Eligibility Check, refer to Get Checkout Details API.

Step 2: Initiate the payment and check response

You need to ensure that BNPL for the pg parameter and BNPL provider code based on the desired BNPL for the bankcode parameter is posted. For API reference, refer to Collect Payments API under API Reference.


Post Request Syntax & Composition

<form action='' method='post'>
<input type="hidden" name="key" value="J*****g" />
<input type="hidden" name="txnid" value="t6svtqtjRdl34W" />
<input type="hidden" name="productinfo" value="iPhone" />
<input type="hidden" name="amount" value="1000" />
<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="BNPL" />
<input type="hidden" name="bankcode" value="LAZYPAY" />
<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>

Along with the mandatory parameters mentioned in Collect Payments API - BNPL under API Reference, you must post the following parameters for the BNPL:

pgString It defines the payment category using the Merchant Hosted Checkout integration. For a BNPL payment, "BNPL" must be specified in the pg parameter.
bankcode_String_The merchant must post this parameter with the corresponding payment option’s bank code value in it. For the list of bankcodes for BNPL, refer to BNPL Codes.

Checked the response mentioned in Collect Payments API - BNPL under API Reference..

Sample request

curl -X POST "" -H "accept: application/json" -H "Content-Type: application/x-www-form-urlencoded" -d "key=J****g&txnid=5jJ9xYceXX1ydT&amount=1000.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=BNPL&bankcode=LAZYPAY&surl="

Sample response

    [mihpayid] => 403993715523409521
    [mode] => BNPL
    [status] => success
    [unmappedstatus] => captured
    [key] => J****g
    [txnid] => 5jJ9xYceXX1ydT
    [amount] => 1000.00
    [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] => 9876543210
    [field2] => 5jJ9xRceXX1ydT
    [field3] => 
    [field4] => PayU User
    [field5] => AXIhh4ExnaJ9dKiJvPxsewHwxMMmT3ba7UY
    [field6] => 
    [field7] => Transaction completed successfully
    [field8] => 
    [field9] => Transaction completed successfully
    [payment_source] => payu
    [PG_TYPE] => BNPL-PG
    [bank_ref_num] => 5jJ9xRceXX1ydT
    [bankcode] => LAZYPAY
    [error] => E000
    [error_Message] => No Error

Native OTP Flow