Integration Steps

Before you start with the integration, enable the payment methods that you want to offer to your customers from Dashboard > Settings > Payment methods. PayU enable Cards, UPI, and other payment methods by default, and it is recommend edthat you enable other payment methods that are relevant to you.

Step 1: Create a PayU account

First, create a PayU account. For more information, refer to Register for a Merchant Account.

Step 2: Include the SDK in your app build.gradle

❗️
Move to Maven Central
PayU has moved to Maven Central, Please update your existing dependency using the following configuration:
api 'in.payu:payu-sdk:7.10.3'

Step 3: Build the Payment Parameters

Create an object of PaymentParams, put all the obtained parameters in it by using its default set methods and setHash to paymentHash.

PaymentParams object

PaymentParams mPaymentParams = new PaymentParams();
mPaymentParams.setKey(merchantKey);
mPaymentParams.setTxnId("" + System.currentTimeMillis());
mPaymentParams.setAmount(amount);
mPaymentParams.setProductInfo("product_info");
mPaymentParams.setFirstName("TEST");
mPaymentParams.setEmail("[email protected]");
mPaymentParams.setPhone(phoneNumber);
mPaymentParams.setUserCredentials(userCredentials);
mPaymentParams.setSurl("https://cbjs.payu.in/sdk/success");
mPaymentParams.setFurl("https://cbjs.payu.in/sdk/failure");
mPaymentParams.setNotifyURL(mPaymentParams.getSurl());  //for lazy pay
mPaymentParams.setUdf1("udf1");
mPaymentParams.setUdf2("udf2");
mPaymentParams.setUdf3("udf3");
mPaymentParams.setUdf4("udf4");
mPaymentParams.setUdf5("udf5");
mPaymentParams.setOfferKey("YONOYSF@6445");
mPaymentParams.setHash("<pass the payment Hash>");

Transaction ID should be kept unique for each transaction and not more than 25 characters.

udf1 to udf5 are options params where you can pass additional information related to transaction. If you don't want to use it, then send them as empty string like, udf1=""

Email and First name can be empty strings "" if you don't want to use them

For store user card feature /*These are used for store card feature. If you are not using it then user_credentials = "default" user credentials takes of the form like user_credentials = "merchant_key : user_id" here merchant key = your merchant key, user_id = unique id related to user like, email, phone number, etc._/

For SURL ,Success url is where the transaction response is posted by PayU on successful transaction.PayU recommends you to design or use your own surl and furl after testing is completed. See Handling SURL and FURL.

For FURL, Failure url is where the transaction response is posted by PayU on failed transaction. PayU recommends you to design or use your own surl and furl after testing is completed. See Handling SURL and FURL.

For offers mPaymentParams.setOfferKey("your_offer_key")

For any other payment default param (like phone and others) mPaymentParams.setPhone("your_number")

Step 4: Hash generation

📘
Generate Hash from Server
It is recommended to generate hash from server only. Keep your key and salt in server side hash generation code. For more information, refer to Generate Static Hash.

The following approach for generating hash is not recommended. However, this approach can be used to test in PRODUCTION_ENV

if your server-side hash generation code is not completely setup. While going live, this approach for hash generation
should not be used.

Hash generation code

/******************************
 * Client hash generation
 ***********************************/
// Do not use this, you may use this only for testing.
// lets generate hashes.
// This should be done from server side..
// Do not keep salt anywhere in app.

Create an object of class PayuHashes and set the corresponding hashes using the default set methods provided

    public void generateHashFromSDK(PaymentParams mPaymentParams, String salt) {
        PayuHashes payuHashes = new PayuHashes();
        PostData postData = new PostData();
//        if(mPaymentParams.getBeneficiaryAccountNumber()== null){
        // payment Hash;
        checksum = null;
        checksum = new PayUChecksum();
        checksum.setAmount(mPaymentParams.getAmount());
        checksum.setKey(mPaymentParams.getKey());
        checksum.setTxnid(mPaymentParams.getTxnId());
        checksum.setEmail(mPaymentParams.getEmail());
        checksum.setSalt(salt);
        checksum.setProductinfo(mPaymentParams.getProductInfo());
        checksum.setFirstname(mPaymentParams.getFirstName());
        checksum.setUdf1(mPaymentParams.getUdf1());
        checksum.setUdf2(mPaymentParams.getUdf2());
        checksum.setUdf3(mPaymentParams.getUdf3());
        checksum.setUdf4(mPaymentParams.getUdf4());
        checksum.setUdf5(mPaymentParams.getUdf5());
        StringBuilder beneficiarydetail = new StringBuilder();
        beneficiarydetail.append("{"+"\""+PayuConstants.BENEFICIARY_ACCOUNT_NUMBER+"\""+":"+"\""+mPaymentParams.getBeneficiaryAccountNumber()+"\"");
        beneficiarydetail.append(","+"\""+PayuConstants.IFSC_CODE+"\""+":"+"\""+mPaymentParams.getIfscCode()+"\"");
        beneficiarydetail.append("}");
      
        postData = checksum.getHash();
        if (postData.getCode() == PayuErrors.NO_ERROR) {
            payuHashes.setPaymentHash(postData.getResult());
        }

        if (mPaymentParams.getSubventionAmount() != null && !mPaymentParams.getSubventionAmount().isEmpty()){
            subventionHash = calculateHash(""+mPaymentParams.getKey()+"|"+mPaymentParams.getTxnId()+"|"+mPaymentParams.getAmount()+"|"+mPaymentParams.getProductInfo()+"|"+mPaymentParams.getFirstName()+"|"+mPaymentParams.getEmail()+"|"+mPaymentParams.getUdf1()+"|"+mPaymentParams.getUdf2()+"|"+mPaymentParams.getUdf3()+"|"+mPaymentParams.getUdf4()+"|"+mPaymentParams.getUdf5()+"||||||"+salt+"|"+mPaymentParams.getSubventionAmount());
        }
        if (mPaymentParams.getSiParams()!=null){
            siHash = calculateHash(""+mPaymentParams.getKey()+"|"+mPaymentParams.getTxnId()+"|"+mPaymentParams.getAmount()+"|"+mPaymentParams.getProductInfo()+"|"+mPaymentParams.getFirstName()+"|"+mPaymentParams.getEmail()+"|"+mPaymentParams.getUdf1()+"|"+mPaymentParams.getUdf2()+"|"+mPaymentParams.getUdf3()+"|"+mPaymentParams.getUdf4()+"|"+mPaymentParams.getUdf5()+"||||||"+prepareSiDetails()+"|"+salt);
        }
        if (beneficiarydetail!=null && beneficiarydetail.length()!=0 ){
            tpvHash  = calculateHash(""+mPaymentParams.getKey()+"|"+mPaymentParams.getTxnId()+"|"+mPaymentParams.getAmount()+"|"+mPaymentParams.getProductInfo()+"|"+mPaymentParams.getFirstName()+"|"+mPaymentParams.getEmail()+"|"+mPaymentParams.getUdf1()+"|"+mPaymentParams.getUdf2()+"|"+mPaymentParams.getUdf3()+"|"+mPaymentParams.getUdf4()+"|"+mPaymentParams.getUdf5()+"||||||"+beneficiarydetail.toString()+"|"+salt);

        }
        /*}

        else {
            String hashString = merchantKey + "|" + mPaymentParams.getTxnId() + "|" + mPaymentParams.getAmount() + "|" + mPaymentParams.getProductInfo() + "|" + mPaymentParams.getFirstName() + "|" + mPaymentParams.getEmail() + "|" + mPaymentParams.getUdf1() + "|" + mPaymentParams.getUdf2() + "|" + mPaymentParams.getUdf3() + "|" + mPaymentParams.getUdf4() + "|" + mPaymentParams.getUdf5() + "||||||{\"beneficiaryAccountNumber\":\"" +mPaymentParams.getBeneficiaryAccountNumber()+ "\"}|" + salt;

            paymentHash1 = calculateHash(hashString);
            payuHashes.setPaymentHash(paymentHash1);



        }*/

        // checksum for payemnt related details
        // var1 should be either user credentials or default
        String var1 = mPaymentParams.getUserCredentials() == null ? PayuConstants.DEFAULT : mPaymentParams.getUserCredentials();
        String key = mPaymentParams.getKey();

        if ((postData = calculateHash(key, PayuConstants.PAYMENT_RELATED_DETAILS_FOR_MOBILE_SDK, var1, salt)) != null && postData.getCode() == PayuErrors.NO_ERROR) // Assign post data first then check for success
            payuHashes.setPaymentRelatedDetailsForMobileSdkHash(postData.getResult());
        //vas
        if ((postData = calculateHash(key, PayuConstants.VAS_FOR_MOBILE_SDK, PayuConstants.DEFAULT, salt)) != null && postData.getCode() == PayuErrors.NO_ERROR)
            payuHashes.setVasForMobileSdkHash(postData.getResult());

        // getIbibocodes
        if ((postData = calculateHash(key, PayuConstants.GET_MERCHANT_IBIBO_CODES, PayuConstants.DEFAULT, salt)) != null && postData.getCode() == PayuErrors.NO_ERROR)
            payuHashes.setMerchantIbiboCodesHash(postData.getResult());

        if (!var1.contentEquals(PayuConstants.DEFAULT)) {
            // get user card
            if ((postData = calculateHash(key, PayuConstants.GET_TOKENISED_USER_CARD, var1, salt)) != null && postData.getCode() == PayuErrors.NO_ERROR) // todo rename storedc ard
                payuHashes.setStoredCardsHash(postData.getResult());
           // delete user card
            if ((postData = calculateHash(key, PayuConstants.DELETE_TOKENISED_USER_CARD, var1, salt)) != null && postData.getCode() == PayuErrors.NO_ERROR)
                payuHashes.setDeleteCardHash(postData.getResult());
        }

        // we have generated all the hases now lest launch sdk's ui
        launchSdkUI(payuHashes);
    }

PayuHashes payuHashes = new PayuHashes();
payuHashes.setPaymentRelatedDetailsForMobileSdkHash();
payuHashes.setVasForMobileSdkHash();
payuHashes.setMerchantIbiboCodesHash();
payuHashes.setStoredCardsHash();
payuHashes.setDeleteCardHash();
payuHashes.setPaymentHash();
mPaymentParams.setHash(payuHashes.getPaymentHash());

Step 5: Generate request for payment

Credit / Debit Card

To pay using a credit card or debit card, perform the following steps.

Set the following credit card parameters:

mPaymentParams.setCardNumber(cardNumber);
mPaymentParams.setCardName(cardName);
mPaymentParams.setNameOnCard(cardholderName);
mPaymentParams.setExpiryMonth(expiryMonth);// MM
mPaymentParams.setExpiryYear(expiryYear);// YYYY
mPaymentParams.setCvv(cvv);

Get the request by using the createRequestWithPaymentParam method as follows:

 try {
         mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.CC).getPaymentPostParams();
      } catch (Exception e) {
            e.printStackTrace();
     }

Store Credit / Debit card

To Pay using StoredCard, perform the following steps.

Set the StoredCard parameter similar to the following code snippet:

mPaymentParams.setCardNumber(cardNumber);
mPaymentParams.setCardName(cardName);
mPaymentParams.setNameOnCard(cardholderName);
mPaymentParams.setExpiryMonth(expiryMonth);// MM
mPaymentParams.setExpiryYear(expiryYear);// YYYY
mPaymentParams.setCvv(cvv);
 
mPaymentParam.setUserCredentials(userCredentials);
mPaymentParam.setStoreCard(1);

Get the request by using the PaymentPostParams method as follows:

 try {
         mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.CC).getPaymentPostParams();
      } catch (Exception e) {
            e.printStackTrace();
     }

Tokenization

Card Tokenization with PayU

For Cards tokenized with PayU platform merchant needs to pass the below parameters.

mPaymentParams.setCvv(cvv); // pass the correct cvv
mPaymentParam.setCardToken(cardtoken); // pass the store card token
mPaymentParams.setCardTokenType(0); //it should be passed as 0

After setting the above parameters, you can get the request by using thecreateRequestWithPaymentParam.

Third Party-Card Tokenization

For cards tokenized outside the PayU platform merchant needs to pass the below parameters.

mPaymentParams.setCardTokenType(1); //it should be passed as 1
TokenizedCardAdditionalParam additionalParam = new TokenizedCardAdditionalParam();
additionalParam.setLast4Digits("1234"); //last 4 digits of card
additionalParam.setTavv("1234"); //tavv -> will be given by tokenisation partner
additionalParam.setTrid("1234"); //trid -> will be given by tokenisation partner
additionalParam.setTokenRefNo("1234"); //tokenRefNo -> will be given by tokenisation partner
mPaymentParams.setTokenizedCardAdditionalParam(additionalParam);

After setting the above parameters, you can get the request by using thecreateRequestWithPaymentParam.

Net Banking

To pay using NetBanking, perform the following steps.

Set the NetBanking parameter as follows:

mPaymentParams.setBankCode(bankCode);

Get the request by using the PaymentPostParams method as follows:

try {
            mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.NB).getPaymentPostParams();
        } catch (Exception e) {
            e.printStackTrace();
        }

Recurring Payments in NetBanking

For recurring payments in Net Banking, you need to collect the following details:

BeneficiaryDetails beneficiaryDetails = new BeneficiaryDetails();
beneficiaryDetails.setBeneficiaryName("John Doe");
beneficiaryDetails.setBeneficiaryAccountNumber("51234567890");
beneficiaryDetails.setBeneficiaryAccountType(BeneficiaryAccountType.SAVINGS);
beneficiaryDetails.setBeneficiaryIfsc("ICIC0006621")
SIParams siParams = new SIParams();
siParams.setBeneficiarydetail(beneficiaryDetails);

Beneficiary Details Parameters Definition

Parameter	Description
Beneficiary Name	`String` Account Holder Beneficiary name.
Beneficiary Account Number	`String` Account number of Beneficiary.
Beneficiary Account Type	`Enum of BeneficiaryAccountType` Accepted values are BeneficiaryAccountType.SAVINGS, BeneficiaryAccountType.CURRENT.
Beneficiary IFSC	`String` Valid IFSC.

EMI

To pay using EMI, perform the following steps.

Set the EMI parameter for instance:

mPaymentParams.setCardNumber(“5123456789012346”); 
mPaymentParams.setNameOnCard(“test”); 
mPaymentParams.setExpiryMonth(“06”); 
mPaymentParams.setExpiryYear(“2023”); 
mPaymentParams.setCvv(“123”); 
mPaymentParams.setBankCode(“EMI03”);

Get the request by using the PaymentPostParams method as follows:

try {
     mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.EMI).getPaymentPostParams();
    } catch (Exception e) {
      e.printStackTrace();
   }

Cardless EMI

For doing CardLess EMI transactions, setCardLess must be set to true along with setting the bank code in the payment parameters similar to the following code snippet:

mPaymentParams.setBankCode("ZESTMON"); //For Zestmoney CardLess EMI

For the Zestmoney CardLess EMI transactions, the phone number must also be set in payment parameters similar to the following code snippet:

mPaymentParams.setPhone("9000000000");

Get the request by using the PaymentPostParams method as follows:

try {
     mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.EMI).getPaymentPostParams();
    } catch (Exception e) {
      e.printStackTrace();
   }

No-Cost EMI

For posting No-Cost EMI transactions, the subvention amount needs to be sent along with the above EMI parameters similar to the following code snippet:

mPaymentParams.setCardNumber(“5123456789012346”); 
mPaymentParams.setNameOnCard(“test”); 
mPaymentParams.setExpiryMonth(“06”); 
mPaymentParams.setExpiryYear(“2023”); 
mPaymentParams.setCvv(“123”); 
mPaymentParams.setBankCode(“EMI03”); 
mPaymentParams.setSubventionAmount(“4000”);

📘
Hash Formula
If the subvention amount is passed, the hash formula for payment hash will be similar to the following
sha512(key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3|udf4|udf5||||||SALT|SubventionAmount)

Fetch a List of No-Cost EMI-supporting banks

To get a list of No-Cost EMI supporting banks, pass var2 as “all” in the Merchant Web Service for GetPaymentRelatedDetailsTask. For more information refer to Web Services for Core.

Cash card

To pay using a CashCard, perform the following steps

Set the cashcard parameter as follows:

mPaymentParams.setBankCode(bankCode);

Get the request by using the PaymentPostParams method as follows:

 try {
            mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.CASH).getPaymentPostParams();
        } catch (Exception e) {
            e.printStackTrace();
        }

UPI

To pay using a UPI, perform the following steps

Set the VPA parameter as follows:

mPaymentParams.setVpa(virtualPaymentAddress);

You need to validate the following for the virtual payment address (VPA):

VPA length should be less than or equal to 50 characters
Regex for VPA: value.match(/^([A-Za-z0-9.])+@[A-Za-z0-9]+$/)

Get the request by using the PaymentPostParams method as follows:

try {
     mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.UPI).getPaymentPostParams();
   } catch (Exception e) {
     e.printStackTrace();
 }

LazyPay

To pay using LazyPay, perform the following steps.

Notify(callback) the URL of the merchant where notification of transaction status will be sent on completion of the transaction. It should be HTTPS.

mPaymentParams.setNotifyURL(<Merchant Callback Url>);

Get the request by using the PaymentPostParams method as follows:

try{
    mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.LAZYPAY).getPaymentPostParams();
     }
    catch (Exception e){
      e.printStackTrace(); 
}

TwidPay

To Pay using TwidPay, create the post data with PayuConstants.PAY_BY_REWARDS.

 try {
           mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.PAY_BY_REWARDS).getPaymentPostParams();
        }        } catch (Exception e) {
            e.printStackTrace();

After a successful payment, you will get the Twid customer hash in field5 params of PayuResponse, which would use for the next transaction to skip authentication.

mPaymentParams.setTwidCustomerHash("Twid customer hash");

Sodexo

To pay using Sodexo, create the post data with PAYMENT_PG_SODEXO:

mPaymentParams.setCardNumber(cardNumber);
mPaymentParams.setCardName(cardName);
mPaymentParams.setNameOnCard(cardholderName);
mPaymentParams.setExpiryMonth(expiryMonth);// MM
mPaymentParams.setExpiryYear(expiryYear);// YYYY  
mPaymentParams.setCvv(cvv);

After setting the above parameters, you can get the request by using thePaymentPostParams method similar to the following code snippet:

  try {
            mPostData = new PaymentPostParams(mPaymentParams, PayuConstants.SODEXO).getPaymentPostParams();
        } catch (Exception e) {
            e.printStackTrace();
        }

After a successful payment, you would get the Sodexo source ID in the field3 param of PayU response, which can be used to show and get stored Sodexo card details and also can be used for initiating payment.

mPaymentParams.setsodexoSourceId("srcid123");

Test the Integration and Go-Live

Test the Integration

After the integration is complete, you must test the integration before you go live and start collecting payment. You can start accepting actual payments from your customers once the test is successful.

You can make test payments using one of the payment methods configured at the Checkout.

🚧
Callout
The UPI in-app and UPI intent flow is not available in the Test mode.

👍
Testing checklist
Things to remember while testing an integration:

To test the integration make sure that you are making a transaction call to the test endpoint.

Use your test key and salt for the transaction requests. For more information, refer to Access Test Key and Salt.

Set the value of the environment parameters to 1.

🚧
Test cards only for Test environment
These test cards, UPI, and Wallet credentials must only be used in the sandbox environment. Using these test cards in production environment may cause validation error.

Test credentials for supported payment methods

Following are the payment methods supported in PayU Test mode.

Test Credential for Card

Card Number	Expiry	CVV	OTP
5123456789012346	05/25	123	123456

Test credentials for Net Banking

Use the following credentials to test the Net Banking integration:

user name: payu
password: payu
OTP: 123456

Test VPA for UPI

❗️
Callout
The UPI in-app and UPI intent flow is not available in the Test mode.

You can use either of the following VPAs to test your UPI-related integration:

For Testing the UPI Collect flow, Please follow the below steps:-

Once you enter the VPA click on the verify button and proceed to pay.
In NPCI page timer will start, Don't "CLICK" on click text. Please wait on the NPCI page.
The below link opens in the browser Paste the transaction ID at the end of the URL then click on the success/failure simulator page. After that, your app will redirect to your app with the transaction response. https://pgsim01.payu.in/UPI-test-transaction/confirm/<Txn_id>

For Android

You can add the below metadata under the application tag in the manifest file to test the UPI Collect flow on test env:-

🚧
Remove code from manifest: Ensure to remove the code from the manifest file before going live.

<application>
<meta-data android:name="payu_debug_mode_enabled" android:value="true" /> // set the value to false for production environment
<meta-data android:name="payu_web_service_url" android:value="https://test.payu.in" /> //Comment in case of Production-->
<meta-data android:name="payu_post_url" android:value="https://test.payu.in"/> //Comment in case of Production-->
</appliction>

Test cards for EMI

You can use the following Debit and Credit cards to test EMI integration.

Bank/Card Type	Card Details
Kotak DC EMI	Card Number: 4706-1378-0509-9594 Expiry: any future date (mm/yy) CVV: 123 OTP: 111111 Name: Any name Mobile Number: 9123412345 (mandatory for EMI)
AXIS DC EMI	Card Number: 4011-5100-0000-0007 Expiry: any future date (mm/yy) CVV: 123 OTP: 111111 Name: Any name Mobile Number: 9123412345 (mandatory for EMI)
HDFC CC EMI	Card Number: 4453-3410-65876437 Expiry: any future date (mm/yy) CVV: 123 OTP: 111111 Name: Any name Mobile Number: 9123412345 (mandatory for EMI)
ICICI CC EMI	Card Number: 4453-3410-65876437 Expiry: any future date (mm/yy) CVV: 123 OTP: 111111 Name: Any name Mobile Number: 9123412345 (mandatory for EMI)

Test Wallets

You can use the following wallets and their corresponding credentials to test wallet integration.

Wallet	Mobile Number	OTP
PayTM	7777777777	888888
PhonePe	Use the Phonepe Pre-Prod app for testing purposes as described in the following PhonePe doc. location: [https://developer.phonepe.com/v1/docs/setting-up-test-account](https://developer.phonepe.com/v1/docs/setting-up-test-account) Download the app and register your mobile number and follow the instructions as described in the above PhonePe docs.	NA
AmazonPay	You can test using your original Amazon account details.

Go-live Checklist

Go-Live Checkist

Ensure these steps before you deploy the integration in a live environment.

Collect Live Payments

After testing the integration end-to-end, after you are sure that the integration is working as expected, you can switch to live mode to start accepting payments from your customers.

🚧
Watch Out!
Ensure that you are using the production merchant key and salt generated in the live mode.

Checklist 2: Configure environment() parameter

Set the value of the environment()to 0 in the payment integration code. This enables the integration to accept live payments.

Checklist 4:- Remove/comment meta -data code from manifest file :-

For Android

You must be comment/remove the below metadata code from the manifest file to use the UPI Collect flow on Production env:-

<application>
<meta-data android:name="payu_debug_mode_enabled" android:value="true" /> // set the value to false for production environment
<meta-data android:name="payu_web_service_url" android:value="https://test.payu.in" /> //Comment in case of Production-->
<meta-data android:name="payu_post_url" android:value="https://test.payu.in"/> //Comment in case of Production-->
</appliction>

Checklist 5: Configure verify payment method

Configure the Verify payment method to fetch the payment status. We strongly recommend that you use this as a back up method to handle scenarios where the payment callback is failed due to technical error.

Checklist 6: Configure Webhook

We recommend that you configure Webhook to receive payment responses on your server. For more information, refer to Webhooks.

Updated 6 days ago

Step 1: Create a PayU account

Step 2: Include the SDK in your app build.gradle

Move to Maven Central

Step 3: Build the Payment Parameters

Step 4: Hash generation

Generate Hash from Server

Step 5: Generate request for payment

Hash Formula

Test the Integration and Go-Live

Callout

Testing checklist

Test cards only for Test environment

Callout

Go-Live Checkist

Watch Out!

For Android

EXAMPLE QUESTIONS