Merchant Hosted BNPL Workflow

This section describes the general steps to integrate BNPL.

Steps to Integrate

1. Check the BNPL Eligibility

Verify customer eligibility for Buy Now Pay Later options before proceeding with the payment

2. Initiate the Payment

Start the BNPL payment process using merchant hosted integration

3. Check the Response from PayU

Handle and process the response received from PayU after payment initiation

4. Verify the Payment

Confirm the payment status and ensure successful BNPL transaction completion

📮
Postman Collection: Download the Merchant Hosted Checkout > BNPL Postman Collection from the following location:
https://www.postman.com/integratewithpayu-849372/payu-integration-s-workspace/folder/lt115hb/bnpl-integration

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 `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 using the Merchant Hosted Checkout integration. For a BNPL payment, "BNPL" must be specified in the pg parameter.	BNPL
bankcode `mandatory`	`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 toBNPL Codes.	LAZYPAY
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\
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.

Checked the response mentioned in Collect Payment API - BNPL Link & Pay 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
)

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:

Upon receiving the response, PayU recommends you 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.

Updated 9 days ago

Step 1: Check the BNPL eligibility

Minimum amount for BNPL transaction

Step 2: Initiate the payment

Reference:

Hashing

Step 3: Check the response from PayU

Hash validation logic for payment response (Reverse Hashing)

Step 4: Verify the payment

EXAMPLE QUESTIONS