Net Banking Integration

Integrate TPV through Net Banking using the procedure described in this section.


Seamless integration has to be done as per the standard kit. For more information, refer to Collect Payments API under API Reference.

Step 1: List the account numbers

Collect or prepare a list of account numbers that must be posted to PayU for TPV at step 2.

Step 2: Post the parameters to PayU and check response

With the following additional parameters, make the transaction request with the customer’s bank account number to the PayU using the Collect Payment (_payment) API. For more information, refer to Collect Payment API - Merchant Hosted Checkiout..


pgIt defines the payment category for which you wish to perform TPV. For Net Banking, pg= ’NB’.NB
bankcodeIt defines the bank with which you wish to perform TPV using the bank code. For more information on the list of bank codes, refer to Bank Codes for TPVAXNBTPV, SBINBTPV, ICINBTPV
beneficiarydetailThis is a JSON format text and there should be key named beneficiaryAccountNumber with account number as value.{‘beneficiaryAccountNumber':'123456789012345’}
api_versionThe api_version “6” must be passed fro this parameter.6

Checksum Logic for Hash

The following hash logic must be used for the parameters posted:



The beneficiarydetail parameter value will be at last or the last value to be appended.


Response Parameters

The following table describes the parameters in the response from PayU:

Param NameDescription
mihpayidIt is a unique reference number created for each transaction at PayU’s end. You must note this transaction ID as this will be used as a reference for all the future actions on this transaction like Inquiry or Refund.
merchantidIt is the unique ID of the merchant.
txnidThis parameter would contain the transaction ID value posted by the merchant during the transaction request.
transaction_feeThe transaction fee for the TPV transaction. For Net Banking, INR 10 is charged by default.
discountThe discount amount given by bank on the transaction fee (if any).
amountThe net amount after discount (if any) is displayed in this parameter. For Net Banking, INR 10 is charged by default.
paymentgatewayidThe payment gateway identifier for the bank sending the response.
pgThe payment gateway used for the transaction. In case of Net Banking, it is “NB.”
statusThis parameter gives the status of the transaction as either success, failed or pending.
Possible values: success, failure, pending
If the value of the ‘status’ parameter is ’success’, the transaction is successful.
If the value of ‘status’ is ‘failure’ or ‘pending’, must be treated as a failed transaction only
PG_TypeThe bankcode (as in Merchant Hosted Checkout integration) of the bank is returned in the parameter.
keyThis parameter contains the merchant key for the merchant’s account at PayU. It would be the same as the key used while the transaction request is being posted from the merchant’s end to PayU.
riskactionStrThis parameter contains risk action (if any) taken on the account holder.
addedonThe transaction timestamp is returned in this parameter.


Store the mihpayid and txnid parameter values in response:

PayU recommends you to make provisions to store the mihpayid and txnid parameter values (in the response) in your server as proof that TPV has been completed for a customer.

Sample response

Formatted response:

    [mihpayid] => 403993715524308236
    [mode] => NB
    [status] => success
    [unmappedstatus] => captured
    [key] => JP***g
    [txnid] => TtEmKjWF2uGliF
    [amount] => 10.00
    [discount] => 0.00
    [net_amount_debit] => 10
    [addedon] => 2021-10-05 12:44:06
    [productinfo] => iPhone
    [firstname] => Ashish
    [lastname] => 
    [address1] => 
    [address2] => 
    [city] => 
    [state] => 
    [country] => 
    [zipcode] => 
    [email] => [email protected]
    [phone] => 9876543210
    [udf1] => 
    [udf2] => 
    [udf3] => 
    [udf4] => 
    [udf5] => 
    [udf6] => 
    [udf7] => 
    [udf8] => 
    [udf9] => 
    [udf10] => 
    [hash] => 74d1039311528b4a7b699db7ce195d6a219d7442271dedb23e516e29490ec743a89c12448698178907e03d32fa05e8178694db8037bc0be53380099e47c3d63f
    [field1] => 
    [field2] => 
    [field3] => 
    [field4] => 
    [field5] => 
    [field6] => 
    [field7] => 
    [field8] => 
    [field9] => Transaction Completed Successfully
    [payment_source] => payu
    [PG_TYPE] => NB-PG
    [bank_ref_num] => 30646df4-69b7-43f4-acdd-21e6a593c037
    [bankcode] => TESTPGNB
    [error] => E000
    [error_Message] => No Error


Verify payment:

PayU recommends you. to verify the transaction details using the Verification Payment API. For more information, For API reference, refer to Verify Payment API.