PayU Hosted Customer Journey - Banking Connect

This section describes the customer journey for PayU Hosted integration on Desktop and Mobile devices.

Desktop

QR Flow

1. Customer selects net banking on PayU Hosted Checkout (desktop)
2. PayU generates dynamic QR code via Banking Connect
3. Customer scans QR with their mobile banking app
4. Banking app decodes transaction details and initiates authentication
5. Payment completion with OTP/biometric verification on mobile
6. Real-time status update displayed on desktop merchant page

Redirect Flow

1. Customer chooses net banking payment option on desktop
2. PayU redirects to Banking Connect-managed bank pages
3. Customer login with banking credentials on desktop browser
4. Transaction completion on bank website interface
5. Automatic redirect back to merchant confirmation page
6. Transaction status displayed on desktop

Mobile

App Intent Flow

1. Customer selects net banking on mobile browser/app
2. PayU creates intent URL for selected bank via Banking Connect
3. Automatic deep linking to banking app (Android/iOS)
4. Native in-app authentication and payment authorization
5. Instant callback to PayU mobile interface
6. Seamless transaction confirmation

Android Device Customer Journey

iOS Device Customer Journey

Mobile Desktop Compatibility

• Cross-platform session management between mobile and desktop
• QR codes generated on desktop can be scanned by mobile app
• Transaction status synchronization across device
• Unified merchant dashboard for multi-device transactions