General Flow for BNPL
This section describes the general steps to integrate BNPL.
Steps to Integrate:
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
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.
<PaymentAPIEnvironment />
Post Request Syntax & Composition
<body>
<form action='https://test.payu.in/_payment' 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>
</body>
</html>
Request parameters
Reference:
For Try It experience, refer to Collect Payments API - BNPL under API Reference.
Parameter | Description | Example |
---|---|---|
key
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txnid |
| ypl938459435 |
amount |
| 10.00 |
productinfo |
| iPhone |
firstname |
| Ashish |
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pg |
| BNPL |
bankcode |
| LAZYPAY |
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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. | |
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Checked the response mentioned in Collect Payments API - BNPL under API Reference..
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=J****g&txnid=5jJ9xYceXX1ydT&amount=1000.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=BNPL&bankcode=LAZYPAY&surl=https://apiplayground-response.herokuapp.com/&furl=https://apiplayground-response.herokuapp.com/&hash=6840ba0d1a14554f7ee5d20966dfbac6b221718e72dd823f05b6da01420286315b4956c28325898b66520b111604020ea2c547608606674766eb7e4164dc0baa"
Step 3: Check the 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] => 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
)
Updated 4 days ago