Payment Mechanism to Instrument Mapping

This page lists all valid payment_mechanism and instrument combinations for the Partner Merchant Rates API.

When setting rates, the instrument value must belong to the specified payment_mechanism. Using an instrument from a different mode returns:

{ "status": "error", "message": "Invalid instrument '<INSTR>' for payment_mechanism '<MECH>'" }

All codes are case-sensitive. Availability of specific instruments depends on your PayU environment configuration.

Card Payments
UPI
Net Banking
EMI
Buy Now Pay Later
Digital Wallets & Cash
Standing Instructions
eNACH / Auto-Debit
QR Code Payments
Bill Payments
Connected Payments
UPI Offline / PPI
Bank Transfers
IVR Payments
Offline & Challan
Other Modes

Card Payments

`CC`

Instrument	Instrument	Instrument
`AMEX`	`AMEX_DI`	`CARD_TSP`
`CC`	`DINR`	`MASTCC`
`RUPAYCC`	`VISACC`

Total: 8 instruments

`DC`

Instrument	Instrument	Instrument
`BMD`	`BOID`	`CANB`
`CITD`	`DC`	`IOBD`
`IODB`	`LVDB`	`MAES`
`MAST`	`PNDB`	`RUPAY`
`SBDB`	`SBID`	`SMAE`
`SMAST`	`UBID`	`UNID`
`VISA`

Total: 19 instruments

UPI

`UPI`

Instrument	Instrument	Instrument
`INAPP`	`INTENT`	`INTTPV`
`PP_UPI`	`PUSH`	`SQR`
`TEZ`	`TEZOMNI`	`TEZSPOT`
`TEZTPV`	`UPI`	`UPITPV`

Total: 12 instruments

`UPICC`

Instrument	Instrument	Instrument
`INAPPCC`	`INTCC`	`INTCCSI`
`PPUPICC`	`PUSHCC`	`TEZCC`
`TEZTPVCC`	`TOMNICC`	`TSPOTCC`
`UPICC`	`UPICCSI`

Total: 11 instruments

`UPIPPI`

Instrument	Instrument	Instrument
`INAPPPPI`	`INTPPI`	`INTPPISI`
`INTTVPPI`	`PUSHPPI`	`TEZPPI`
`TEZTVPPI`	`TOMNIPPI`	`TSPOTPPI`
`UPIPPI`	`UPIPPISI`	`UPITVPPI`

Total: 12 instruments

`UPICCEMI`

Instrument	Instrument	Instrument
`INTAX03`	`INTAX06`	`INTAX09`
`INTAX12`	`INTAX24`	`INTYES03`
`INTYES06`	`INTYES09`	`INTYES12`
`INTYES18`	`INTYES24`	`UPIAX03`
`UPIAX06`	`UPIAX09`	`UPIAX12`
`UPIAX24`	`UPIYES03`	`UPIYES06`
`UPIYES09`	`UPIYES12`	`UPIYES18`
`UPIYES24`

Total: 22 instruments

Net Banking

`NB`

Instrument	Instrument	Instrument
`162B`	`ABIRLA`	`ABNBTPV`
`ADBB`	`AIRNB`	`ALLB`
`AUNBTPV`	`AUSFCNB`	`AUSFNB`
`AXIB`	`AXISCNB`	`AXNBTPV`
`BANDNB`	`BANDTPV`	`BBCB`
`BBKB`	`BBRB`	`BBRNBTPV`
`BMNN`	`BOIB`	`BOINBTPV`
`BOMB`	`CABB`	`CBIB`
`CBITPV`	`CBNBTPV`	`CITNB`
`CPNB`	`CRBP`	`CRPB`
`CSBN`	`CSBNBTPV`	`CSFBC`
`CSFBR`	`CSMSNB`	`CUBB`
`CUBNBTPV`	`DBS`	`DBSB`
`DCBB`	`DCBCORP`	`DCBNBTPV`
`DENN`	`DLNBCORP`	`DLSB`
`DLSBCORP`	`DLSNBTPV`	`DSHB`
`FEDB`	`FEDCORP`	`FEDNBTPV`
`HDFB`	`HDFCCONB`	`HDFNBTPV`
`ICIB`	`ICICB`	`ICICICNB`
`ICINBTPV`	`IDBB`	`IDBICORP`
`IDBITPV`	`IDFCNB`	`IDFNBTPV`
`INDB`	`INDBTPV`	`INDPOST`
`INGB`	`INIB`	`INIBTPV`
`INOB`	`IOBNBTPV`	`JAKB`
`JANANB`	`JSBNB`	`KRKB`
`KRKBTPV`	`KRVB`	`KRVBC`
`KTKBCORP`	`KTKNBTPV`	`KVBNBTPV`
`LVBD`	`LVBNBTPV`	`LVCB`
`LVRB`	`NB`	`OBCB`
`OBCNBTPV`	`PAYTMNB`	`PAYTMTPV`
`PMNB`	`PNBB`	`PNBNBTPV`
`PSBNB`	`RBL`	`RBLCNB`
`RBLNB`	`RBLTPV`	`RTN`
`RYBS`	`SBBJB`	`SBHB`
`SBIB`	`SBINBTPV`	`SBMB`
`SBNCORP`	`SBPB`	`SBTB`
`SCBNB`	`SCBNBTPV`	`SDCB`
`SIBNBTPV`	`SOIB`	`SRSWT`
`SVCB`	`SVCNB`	`SYDB`
`SYNDB`	`TBON`	`TMBB`
`UBIB`	`UBIBC`	`UBIBTPV`
`UCOB`	`UCOCNB`	`UCOCTPV`
`UCONBTPV`	`UNIB`	`VJYB`
`YESB`	`YESNBTPV`

Total: 131 instruments

EMI

`EMI`

Instrument	Instrument	Instrument
`AUSF03`	`AUSF06`	`AUSF09`
`AUSF12`	`AUSF18`	`AUSF24`
`AXIO`	`AXIO03`	`AXIO06`
`AXIO09`	`AXIO12`	`AXIO18`
`AXIO24`	`AXISD03`	`AXISD06`
`AXISD09`	`AXISD12`	`AXISD18`
`AXISD24`	`BAJFIN02`	`BAJFIN03`
`BAJFIN06`	`BAJFIN08`	`BAJFIN09`
`BAJFIN12`	`BOBCC02`	`BOBCC03`
`BOBCC04`	`BOBCC05`	`BOBCC06`
`BOBCC07`	`BOBCC08`	`BOBCC09`
`BOBCC12`	`BOBCC18`	`BOBCC24`
`BOBCC36`	`BOBD03`	`BOBD06`
`BOBD09`	`BOBD12`	`BOBD18`
`CANARA03`	`CANARA06`	`CANARA09`
`CANARA12`	`CANARA18`	`CANARA24`
`DBS03`	`DBS06`	`DBS09`
`DBS12`	`DBS18`	`DBS24`
`EMAMEX12`	`EMI`	`EMI012`
`EMI018`	`EMI024`	`EMI03`
`EMI06`	`EMI09`	`EMI12`
`EMI18`	`EMI24`	`EMI30`
`EMI36`	`EMI48`	`EMI6`
`EMI9`	`EMIA12`	`EMIA18`
`EMIA24`	`EMIA3`	`EMIA6`
`EMIA9`	`EMIAMEX3`	`EMIAMEX6`
`EMIAMEX9`	`EMICB12`	`EMICB6`
`EMICB9`	`EMICBI12`	`EMICBI3`
`EMICBI6`	`EMICBI9`	`EMICD03`
`EMICD06`	`EMICD09`	`EMICD12`
`EMICD18`	`EMICD24`	`EMICP12`
`EMICP3`	`EMICP6`	`EMICP9`
`EMIHS03`	`EMIHS06`	`EMIHS09`
`EMIHS12`	`EMIHS18`	`EMIHS24`
`EMIIC12`	`EMIIC18`	`EMIIC24`
`EMIIC3`	`EMIIC6`	`EMIIC9`
`EMIIND12`	`EMIIND18`	`EMIIND24`
`EMIIND3`	`EMIIND36`	`EMIIND6`
`EMIIND9`	`EMIK12`	`EMIK18`
`EMIK24`	`EMIK3`	`EMIK36`
`EMIK6`	`EMIK9`	`EMIKP3`
`EMIRBL12`	`EMIRBL18`	`EMIRBL24`
`EMIRBL3`	`EMIRBL6`	`EMIRBL9`
`EMISCB12`	`EMISCB18`	`EMISCB24`
`EMISCB3`	`EMISCB6`	`EMISCB9`
`EMIY03`	`EMIY06`	`EMIY09`
`EMIY12`	`EMIY18`	`EMIY24`
`FDRL03`	`FDRL06`	`FDRL09`
`FDRL12`	`FDRL18`	`FDRL24`
`FEDED03`	`FEDED06`	`FEDED09`
`FEDED12`	`HDFCCL03`	`HDFCCL06`
`HDFCCL09`	`HDFCCL12`	`HDFCCL18`
`HDFCD03`	`HDFCD06`	`HDFCD09`
`HDFCD12`	`HDFCD18`	`HDFCD24`
`HDFCD24X`	`HDFCD36`	`HDFCD36X`
`HDFCD48`	`HDFCD48X`	`HDFCDC03`
`HDFCDC06`	`HDFCDC09`	`HDFCDC12`
`HDFCDC18`	`HDFCDC24`	`HDFCDC36`
`HDFCDC48`	`HMECDT03`	`HMECDT06`
`HMECDT09`	`HMECDT12`	`ICICIC03`
`ICICIC06`	`ICICIC09`	`ICICIC12`
`ICICID03`	`ICICID06`	`ICICID09`
`ICICID12`	`ICINBEMI`	`IDBI03`
`IDBI06`	`IDBI09`	`IDBI12`
`IDBI18`	`IDBI24`	`IDBI30`
`IDBI36`	`IDFC03`	`IDFC06`
`IDFC09`	`IDFC12`	`IDFC15`
`IDFC18`	`IDFC24`	`IDFC36`
`KBEE03`	`KBEE06`	`KBEE09`
`KBEE12`	`KBEE18`	`KOTAKC01`
`KOTAKC02`	`KOTAKC03`	`KOTAKC06`
`KOTAKC09`	`KOTAKC12`	`KOTAKC18`
`KOTAKD01`	`KOTAKD02`	`KOTAKD03`
`KOTAKD06`	`KOTAKD09`	`KOTAKD12`
`LIQUIL06`	`ONEC03`	`ONEC06`
`ONEC09`	`ONEC12`	`ONEC18`
`ONEC24`	`SBI03`	`SBI06`
`SBI09`	`SBI12`	`SBI18`
`SBI24`	`SBID03`	`SBID06`
`SBID09`	`SBID12`	`SBID18`
`SBID24`	`SBID30`	`SBID36`
`SBIP03`	`ZEST03`	`ZEST06`
`ZEST09`	`ZEST12`	`ZESTMON`

Total: 249 instruments

Buy Now Pay Later

`BNPL`

Instrument	Instrument	Instrument
`BNPL`	`HDFCF15`	`HDFCF30`
`HDFCF60`	`HDFCF90`	`ICICPL`
`LAZYPAY`	`MOBIZIP`	`POSTPE`
`SIMPL`

Total: 10 instruments

Digital Wallets & Cash

`CASH`

Instrument	Instrument	Instrument
`ADVCLUB`	`AMON`	`AMZPAY`
`BFL`	`CASH`	`CCD`
`CITRUSW`	`FREC`	`IDM`
`ITZC`	`JIOM`	`MOBIKWIK`
`OLAM`	`OXYC`	`PAYTM`
`PAYZ`	`PAYZP`	`PHONEPE`
`PMNW`	`PPINAPP`	`PPINTENT`
`PPSDKLES`	`PYZP`	`TPAY`
`TWID`	`WLT`	`YESW`

Total: 27 instruments

`WALLET`

Instrument	Instrument	Instrument
`PAYUW`	`WALLET`

Total: 2 instruments

Standing Instructions

`SI`

Instrument	Instrument	Instrument
`ACUXENCR`	`AIRPENCR`	`AKOXENCR`
`AMEXSI`	`ANDBENCR`	`APGBENCR`
`AUBLENCR`	`BARBENCR`	`BDBLENCR`
`BKIDENCR`	`CBINENCR`	`CCSI`
`CGBXENCR`	`CITIENCR`	`CIUBENCR`
`CLBLENCR`	`CNRBENCR`	`CNSXENCR`
`COSBENCR`	`CSBKENCR`	`DBSSENCR`
`DCBLENCR`	`DCSI`	`DEUTENCR`
`DLXBENCR`	`EDBXENCR`	`ESAFENCR`
`ESFBENCR`	`FDRLENCR`	`FINFENCR`
`FINOENCR`	`HDFCDCSI`	`HDFCENCR`
`HSBCENCR`	`HUTXENCR`	`IBKLENCR`
`ICICENCR`	`IDFBENCR`	`IDIBENCR`
`INDBENCR`	`INTENTSI`	`INTTPVCC`
`IOBAENCR`	`JAKAENCR`	`JSFBENCR`
`JUCXENCR`	`KARBENCR`	`KCCBENCR`
`KKBKENCR`	`KNSBENCR`	`KVBLENCR`
`KVGBENCR`	`MAHBENCR`	`MHSXENCR`
`NCBLENCR`	`NSPBENCR`	`ORBCENCR`
`PSIBENCR`	`PUNBENCR`	`PYTMENCR`
`RATNENCR`	`RSSXENCR`	`SBINENCR`
`SCBLENCR`	`SHIXENCR`	`SI`
`SIBLENCR`	`SPCBENCR`	`STCBENCR`
`SURYENCR`	`SYNBENCR`	`TMBLENCR`
`UBINENCR`	`UCBAENCR`	`UPISI`
`UPITPVCC`	`USFBENCR`	`UTBIENCR`
`UTIBENCR`	`UTKSENCR`	`VARAENCR`
`YESBENCR`	`ZCBLENCR`

Total: 83 instruments

eNACH / Auto-Debit

`ENACH`

Instrument	Instrument	Instrument
`ACUXENCC`	`AIRPENCC`	`AKOXENCC`
`ANDBENCC`	`APGBENCC`	`AUBLENCC`
`BARBENCC`	`BDBLENCC`	`BKIDENCC`
`CBINENCC`	`CGBXENCC`	`CITIENCC`
`CIUBENCC`	`CLBLENCC`	`CNRBENCC`
`CNSXENCC`	`COSBENCC`	`CSBKENCC`
`DBSSENCC`	`DCBLENCC`	`DEUTENCC`
`DLXBENCC`	`EDBXENCC`	`ENACH`
`ESAFENCC`	`ESFBENCC`	`FDRLENCC`
`FINFENCC`	`FINOENCC`	`HDFCENCC`
`HSBCENCC`	`HUTXENCC`	`IBKLENCC`
`ICICENCC`	`IDFBENCC`	`IDIBENCC`
`INDBENCC`	`IOBAENCC`	`JAKAENCC`
`JSFBENCC`	`JUCXENCC`	`KARBENCC`
`KCCBENCC`	`KKBKENCC`	`KNSBENCC`
`KVBLENCC`	`KVGBENCC`	`MAHBENCC`
`MHSXENCC`	`NCBLENCC`	`NSPBENCC`
`ORBCENCC`	`PSIBENCC`	`PUNBENCC`
`PYTMENCC`	`RATNENCC`	`RSSXENCC`
`SBINENCC`	`SCBLENCC`	`SHIXENCC`
`SIBLENCC`	`SPCBENCC`	`STCBENCC`
`SURYENCC`	`SYNBENCC`	`TMBLENCC`
`UBINENCC`	`UCBAENCC`	`USFBENCC`
`UTBIENCC`	`UTIBENCC`	`UTKSENCC`
`VARAENCC`	`YESBENCC`	`ZCBLENCC`

Total: 75 instruments

QR Code Payments

`QR`

Instrument	Instrument	Instrument
`ACCQR`	`BQR`	`CCQR`
`DCQR`	`MCCQR`	`MDCQR`
`PHNPEQR`	`QR`	`QRPPI`
`QRRCC`	`RCCQR`	`RDCQR`
`UPIQR`	`VCCQR`	`VDCQR`

Total: 15 instruments

`DBQR`

Instrument	Instrument	Instrument
`CCDBQR`	`DBQR`	`DCDBQR`
`DQRPPI`	`DQRRCC`	`MCCDBQR`
`MDCDBQR`	`RCCDBQR`	`RDCDBQR`
`UPIDBQR`	`VCCDBQR`	`VDCDBQR`

Total: 12 instruments

`ISBQR`

Instrument	Instrument	Instrument
`CCIBQR`	`DCIBQR`	`ISBQR`
`ISQRPPI`	`ISQRRCC`	`MCCIBQR`
`MDCIBQR`	`RCCIBQR`	`RDCIBQR`
`UPIIBQR`	`VCCIBQR`	`VDCIBQR`

Total: 12 instruments

`SBQR`

Instrument	Instrument	Instrument
`CCSBQR`	`DCSBQR`	`MCCSBQR`
`MDCSBQR`	`RCCSBQR`	`RDCSBQR`
`SBQR`	`SQRPPI`	`SQRRCC`
`UPISBQR`	`VCCSBQR`	`VDCSBQR`

Total: 12 instruments

Bill Payments

`BBPS`

Instrument	Instrument	Instrument
`BBPSACNT`	`BBPSAEPS`	`BBPSBQR`
`BBPSCASH`	`BBPSCC`	`BBPSDC`
`BBPSIB`	`BBPSIMPS`	`BBPSNB`
`BBPSNEFT`	`BBPSPC`	`BBPSUPI`
`BBPSUSSD`	`BBPSWLT`

Total: 14 instruments

Connected Payments

`CONNECT`

Instrument	Instrument	Instrument
`ADESCASH`	`ADESCC`	`ADESDC`
`ADESNB`	`ADESUPI`	`AIMRCASH`
`AIMRCC`	`AIMRDC`	`AIMRNB`
`AIMRUPI`	`AMAZCASH`	`AMAZCC`
`AMAZDC`	`AMAZNB`	`AMAZUPI`
`AMPMCASH`	`AMPMCC`	`AMPMDC`
`AMPMNB`	`AMPMUPI`	`CNTCASH`
`CNTCC`	`CNTDC`	`CNTNB`
`CNTUPI`	`DIFMCASH`	`DIFMCC`
`DIFMDC`	`DIFMNB`	`DIFMUPI`
`DIGICASH`	`DIGICC`	`DIGIDC`
`DIGINB`	`DIGIUPI`	`ESMYCASH`
`ESMYCC`	`ESMYDC`	`ESMYNB`
`ESMYUPI`	`IKEDCASH`	`IKEDCC`
`IKEDDC`	`IKEDNB`	`IKEDUPI`
`MOMRCASH`	`MOMRCC`	`MOMRDC`
`MOMRNB`	`MOMRUPI`	`NSTWCASH`
`NSTWCC`	`NSTWDC`	`NSTWNB`
`NSTWUPI`	`PAYUCASH`	`PAYUCC`
`PAYUDC`	`PAYUNB`	`PAYUUPI`
`PAYZCASH`	`PAYZCC`	`PAYZDC`
`PAYZNB`	`PAYZUPI`	`PYNRCASH`
`PYNRCC`	`PYNRDC`	`PYNRNB`
`PYNRUPI`	`RUPECASH`	`RUPECC`
`RUPEDC`	`RUPENB`	`RUPEUPI`
`SHOPCASH`	`SHOPCC`	`SHOPDC`
`SHOPNB`	`SHOPUPI`	`SPAYCASH`
`SPAYCC`	`SPAYDC`	`SPAYNB`
`SPAYUPI`	`SRPSCASH`	`SRPSCC`
`SRPSDC`	`SRPSNB`	`SRPSUPI`
`TRIOCASH`	`TRIOCC`	`TRIODC`
`TRIONB`	`TRIOUPI`	`TWIDCASH`
`TWIDCC`	`TWIDDC`	`TWIDNB`
`TWIDUPI`	`UMANCASH`	`UMANCC`
`UMANDC`	`UMANNB`	`UMANUPI`

Total: 105 instruments

UPI Offline / PPI

`OFUPI`

Instrument	Instrument	Instrument
`INPPI`	`INTRCC`	`OFINTENT`

Total: 3 instruments

Bank Transfers

`NEFTRTGS`

Instrument	Instrument	Instrument
`EFTAXIS`	`EFTAXTPV`	`EFTHDFCV`
`NEFTRTGS`

Total: 4 instruments

`DBT`

Instrument	Instrument	Instrument
`DBT`	`IMPS`	`NEFT`
`RTGS`

Total: 4 instruments

IVR Payments

`IVR`

Instrument	Instrument	Instrument
`IVR`	`IVRCC`	`IVRHEAD`
`IVRRHCC`

Total: 4 instruments

`IVRDC`

Instrument	Instrument	Instrument
`IVRDC`	`IVRDHEAD`	`IVRRHDC`

Total: 3 instruments

Offline & Challan

`CHALLANPAYMENTS`

Instrument	Instrument	Instrument
`CHALLANPAYMENTS`	`HDFCCASH`	`HDFCCHDD`
`HDFCIMPS`	`HDFCNERT`	`INDIMPS`
`INDNEFT`

Total: 7 instruments

`COD`

Instrument	Instrument	Instrument
`COD`

Total: 1 instrument

`PAISA`

Instrument	Instrument	Instrument
`PAISA`

Total: 1 instrument

Other Modes

`PAYPAL`

Instrument	Instrument	Instrument
`PAYPAL`

Total: 1 instrument

`VISAC`

Instrument	Instrument	Instrument
`VIESC`	`VIESD`	`VISAC`
`VISAD`

Total: 4 instruments

`OLAC`

Instrument	Instrument	Instrument
`OLAC`

Total: 1 instrument

`BANGLA`

Instrument	Instrument	Instrument
`BANGLA`	`SSL`

Total: 2 instruments

`ADHR`

Instrument	Instrument	Instrument
`ADHR`

Total: 1 instrument

`GC`

Instrument	Instrument	Instrument
`ZAGGLEGC`

Total: 1 instrument

`POS`

Instrument	Instrument	Instrument
`POS`

Total: 1 instrument

`OTHERS`

Instrument	Instrument	Instrument
`MCC`	`OTHERS`

Total: 2 instruments

`PLATFORMFEE`

Instrument	Instrument	Instrument
`DAILY`	`MONTHLY`	`PLATFORMFEE`
`QUATERLY`	`WEEKLY`	`YEARLY`

Total: 6 instruments

Updated 25 minutes ago

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Table of Contents

Card Payments

CC

DC

UPI

UPI

UPICC

UPIPPI

UPICCEMI

Net Banking

NB

EMI

EMI

Buy Now Pay Later

BNPL

Digital Wallets & Cash

CASH

WALLET

Standing Instructions

SI

eNACH / Auto-Debit

ENACH

QR Code Payments

QR

DBQR

ISBQR

SBQR

Bill Payments

BBPS

Connected Payments

CONNECT

UPI Offline / PPI

OFUPI

Bank Transfers

NEFTRTGS

DBT

IVR Payments

IVR

IVRDC

Offline & Challan

CHALLANPAYMENTS

COD

PAISA

Other Modes

PAYPAL

VISAC

OLAC

BANGLA

ADHR

GC

POS

OTHERS

PLATFORMFEE

EXAMPLE QUESTIONS

`CC`

`DC`

`UPI`

`UPICC`

`UPIPPI`

`UPICCEMI`

`NB`

`EMI`

`BNPL`

`CASH`

`WALLET`

`SI`

`ENACH`

`QR`

`DBQR`

`ISBQR`

`SBQR`

`BBPS`

`CONNECT`

`OFUPI`

`NEFTRTGS`

`DBT`

`IVR`

`IVRDC`

`CHALLANPAYMENTS`

`COD`

`PAISA`

`PAYPAL`

`VISAC`

`OLAC`

`BANGLA`

`ADHR`

`GC`

`POS`

`OTHERS`

`PLATFORMFEE`