Set Up Your Account

Create your PayU merchant account, complete KYC, and get your integration credentials.

Before you can integrate with PayU, you need these three:

A merchant account
A completed KYC
Merchant secrets
API credentials.

📘
How long does this take?

Create an account: 5 minutes

Complete KYC: 15–30 minutes (Keep your business documents ready)

Test credentials: Available immediately after account creation

Production credentials: Available after PayU verifies your website (up to 2 business days)

Step 1: Create a PayU Account

To create a PayU account:

Provide the following details on the Create your PayU account page:

Field	Details
Email	Your email address. This will be your login username and receives PayU communications
Password	Your password should contain: At least 8 characters, At least 1 uppercase At least 1 lowercase At least 1 number At least 1 special character
Mobile	Your 10-digit mobile number
Do you want to collect payments for your website? (optional)	Select Yes and enter your website URL if applicable

Click Send OTP & Create Account. An OTP is sent to your mobile number.
Enter the OTP and click VERIFY OTP on the OTP Verification page.

You can continue to complete your KYC or choose to complete it later. Click Go to Dashboard to access your test credentials.

What Happens Next:

Your Test Key and Salt are available immediately. You can start building and testing right away.

Your Production Key and Salt become available after PayU verifies your website. This takes up to 2 business days.

You must complete KYC (Step 2 below) before you can accept real payments.

Step 2: Complete KYC and Activate Your Account

PayU requires all merchants to complete KYC (Know Your Customer) to comply with regulatory guidelines. Your account cannot accept live payments until you complete the KYC.

Before you start, keep these documents ready:

Business PAN Card Number: Business PAN card details to verify your business identity.
Proof of identity (Aadhaar card, passport, or PAN card)
Proof of address (Aadhaar card, passport, or utility bill)
Business proof (GST registration certificate or business license)

For the full list of required documents based on your business type, refer to the Documents checklist below.

Follow steps in every section to complete your KYC:

1. Resume Onboarding

2. Business PAN Card Number

Enter your business PAN, verify the details and click Confirm & Proceed.

3. Please confirm your Business entity

Select any of the following business entity type and click Confirm & Proceed:

Individual
Sole Proprietorship

4. Provide phone number to complete CKYC

Verify the mobile number associated with your business PAN and click Proceed with CKYC.

📘
Note:

You can update the mobile number in this screen.

You can choose to skip CKYC by clicking Skip CKYC.

Verify your mobile number with the OTP to proceed.

5. What category does your business fall under?

Search and select your business category from the search drop-down list and click Confirm & Proceed.

6. Share your business details

Provide the following details and click Confirm & Proceed.

Expected Sales per month
Do you have a GSTIN number?: Use the radio button to select your option.
GSTIN (if applicable)

Business Information

1. Connect Mobile App or Website

How do you want to collect payments? Select any of the following option, provide the required details and click Confirm & Proceed:

I have a website: select this option if you have a website to collect payments and provide the following details:
- Website URL
- Android app: Your android application URL if available.
- iOS app: Your iOS application URL if available.
I don't have a website: Select this option if you do not have a website to collect payments and provide any of the following details:
- Instagram Business Profile
- Whatsapp store

Request submitted for verification

Your provided website details goes through verification. You can continue to the next step by clicking the Proceed to next step button.

2. Share bank account details

provide these bank details to process funds to your account:

Bank Holder Name: You can select the name from the drop-down list.
Bank Account Number
IFSC Code

3. Upload the Bank Proof

You should verify your bank account to proceed. Upload any of the following and click Submit for Verification & Proceed.

Cancelled Cheque
Bank Statement
Passbook
Bank Verification Letter

KYC Checks

1. Signing Authority Details

Provide these details to which all the communications are sent in future. These details are essential for KYC verification. Enter the details and click Confirm & Proceed:

Signing Authority Name: Verify the name. You cannot edit this field.
Signing Authority Email ID: Enter the email address to receive the document and further communications.
Signing Authority’s PAN card number: Verify the PAN. You cannot edit this field.
Politically Exposed Person (PEP) Status: Select any of the following:
- I am a PEP: Select this if you are a politically exposed person.
- I am related to a PEP: Select this if you are a relative of any politically exposed person.
- Not Applicable
Choose a KYC option: Choose your way of KYC verification. These are the available options:
- Verify via Digi Locker
- Upload Aadhaar XML: Upload the XML and share the code for verification. Follow the steps mentioned on the page to download the Aadhaar XML.
By proceeding I accept Aadhaar terms and conditions: Select the checkbox to agree to the terms and conditions.

What's Next:

If you have chosen DigiLocker as a verification method, follow these steps to complete the verification:

Enter your Adhaar number and verify it using OTP.
Enter you DigiLocker PIN
Select the associated Adhaar.

How you accept payments — Select one of the following:
On my website/app — enter your website URL, Android app URL, or iOS app URL.
I don't have a website/app — you can use Payment Links, Invoices, or Payment Buttons from the Dashboard.
Signing authority details — Verify the name, PAN, and email of your signing authority. Update the email if needed, then click Proceed to KYC.
KYC documents — Choose one of the following methods:
- Fetch from cKYC — enter your date of birth / incorporation date and authorise PayU to fetch documents automatically.
- Fetch from Aadhaar — accept Aadhaar terms and click Submit.
- Upload manually — verify your address details and upload PAN card, address proof, and any other requested documents.
Click Submit Documents.

📘
Note:
If you cannot complete KYC, contact your PayU Key Account Manager or visit PayU Support.

Documents checklist

Expand the section that matches your business entity type.

Individual

PAN Card of the Signing Authority
Address Proof of the Signing Authority
Bank Account Proof

Sole Proprietorship

Bank Account Proof
Any two government proofs (GSTIN, MSME, IEC, FSSAI, ITR, Shop establishment, Trade licence, Tax document, Utility bill)
Address Proof of the Signing Authority
PAN Card of Signing Authority

Partnership

Bank Account Proof
PAN Card of Signing Authority
Address Proof of Signing Authority
Partnership Deed (complete, signed by all partners, on stamp paper, including profit-sharing ratios)
Government Issued Certificate
PAN Card of Partnership
Authorization Letter / Board Resolution Letter
Latest Shareholding Pattern

LLP

PAN Card of Signing Authority
Address Proof of Signing Authority
Bank Account Proof
Certificate of Incorporation
LLP Deed (notarized or verified by registrar, including profit-sharing ratios)
PAN Card of LLP
Authorization Letter / Board Resolution Letter
Latest Shareholding Pattern

Private Limited

PAN Card of Signing Authority
Address Proof of Signing Authority
Bank Account Proof
Certificate of Incorporation
Memorandum of Association (complete, all pages)
Articles of Association (complete, all pages)
PAN Card of Company
Authorization Letter (on company letterhead, signed/stamped by a director)
Latest Shareholding Pattern

Public Limited

PAN Card of Signing Authority
Address Proof of Signing Authority
Bank Account Proof
Certificate of Incorporation
Memorandum of Association (complete, all pages)
Articles of Association (complete, all pages)
PAN Card of Company
Authorization Letter
Latest Shareholding Pattern

Trust

PAN Card of Signing Authority
Address Proof of Signing Authority
Bank Account Proof
Government Issued Certificate
Trust Deed (notarized or verified by registrar)
List of trustees/beneficiaries/settlor/members (on letterhead, signed and stamped)
PAN Card of Trust
Authorization Letter
List of Trustees with Shareholding Pattern

Society

PAN Card of Signing Authority
Address Proof of Signing Authority
Bank Account Proof
Government Issued Certificate
Bye-Laws / Memorandum of Association (complete, all pages)
PAN Card of Society
Authorization Letter
List of members certified by Registrar of Society with shareholding

Government

PAN Card of Signing Authority
Address Proof of Signing Authority
Bank Account Proof
Authorization Letter
Registration Certificate / UGC Care certificate / GST

One Person Company

PAN Card of Signing Authority
Address Proof of Signing Authority
Bank Account Proof
Certificate of Incorporation
Memorandum of Association (complete, all pages)
Articles of Association (complete, all pages)
PAN Card of Company

Hindu Undivided Family (HUF)

PAN Card of Signing Authority
Address Proof of Signing Authority
Authorization Letter (signed and stamped by Karta)
Bank Account Proof
HUF Deed (if applicable); Power of attorney or suitable authorisation

Additional documents — industry-specific

Educational institutions (Schools, Colleges, Universities)

Affiliation Certificate — must be active, valid, and name must match your KYC details

E-Commerce (Food, Groceries, Restaurants, Nutritional Supplements)

FSSAI Certificate — must be active and valid

Donations / Crowdfunding (NGOs)

Forms 80G, 12A, and 10AC issued by the Income Tax Department

Healthcare (Nutrition and Supplements)

FSSAI Certificate

Additional compliance documents — regulated industries

Industry	Required document
Stock Advisory / Trading	SEBI Approval
Prescribed Medicine	Form 20/21B
Ayurvedic products	Ayush Certificate
Jewellery (Gold/Silver)	BIS
Diamond	GIA
Insurance	IRDA
Real Estate	RERA
Bill Payment	BBPS
Forex	RBI Approval
Mutual Funds Broker	SEBI Approval
Banking / NBFC	RBI Approval
Drop Shipping	Supplier Agreement
Payment Facilitator	RBI Approval
Internet Service Provider	ISP
Cable TV Operator	DAS Licence
Bulk Messages	DLT Certificate

Step 3: Get your credentials

Your Merchant Key and Salt are the credentials used by every PayU integration to authenticate requests and generate hashes. You need them before you can write any integration code.

What are Merchant Key and Salt?

Key: A unique identifier for your merchant account. It is included in every payment request you send to PayU.
Salt (32-bit / v1): Used to generate the SHA-512 hash that authenticates your requests. Use Salt v1 for standard integrations.
Salt (256-bit / v2): A stronger variant of the Salt for integrations that require it.

Test vs Production Secrets

Term	Description
Where to get them	PayU Dashboard (Test Mode) → Developer → API Keys
Available	Immediately after account creation — no KYC required
What they do	Authenticate requests in the test environment only. No real transaction.
Use when	Building your integration, running test transactions, validating your hash generation
Key prefix	Starts with a test-environment merchant key (different from your live key)
Transactions	Use test cards and UPI IDs. Real payment methods will not work.

📘
Note:
Always build and test with Test secrets first. Your test key and live key are different values — double-check which you have loaded before going live.

Term	Description
Where to get them	PayU Merchant Dashboard (Live Mode) → Developer → API Keys
Available	After PayU verifies your website. This can take up to 2 business days after registration.
What they do	Authenticate live payment requests with real transaction.
Use when	Your integration is tested and you are ready to accept real customer payments
Key prefix	Starts with your live-environment merchant key (different from your test key)
Transactions	Real customer payment methods (cards, UPI, net banking, wallets)

🚧
Production Secrets are Sensitive
Never expose them in frontend code, client-side JavaScript, or a public repository. Store them in environment variables on your server. If you share access with a developer or agency, ask your Key Account Manager about the correct way to do this securely.

How to Get Your Keys

Test credentials are available immediately after you create your account. You do not need to complete KYC.

To get test keys:

Log in to the PayU dashboard and select Test Mode from the drop-down menu in the top navigation bar.
Click Developer from the left menu, the API Keys tab is displayed.
Click View Details displayed under API Key Salt details.

Your test Key and Salt are generated and displayed here on first access.

Note:
Test credentials only work in the test environment. They cannot be used for live payments.

Regenerate Your Salt

You can re-generate the Salt If it is compromised or you need to rotate it.

To re-generate the salt:

Log in to the PayU dashboard and switch to the relevant environment (Live or Test) using the drop-down menu in the top navigation bar.
Click Developer from the left menu, the API Keys tab is displayed.
Click Regenerate Salt.

The confirmation menu appears.
Click Regenerate to regenerate the Salt.

📘
Important:

A regenerated Salt expires in 15 days if not activated.

After activation, the new Salt replaces Salt v1.

Update your application immediately after activating a new Salt to avoid payment failures.

What's next

You now have everything you need to start integrating.

Haven't chosen an integration yet? Go back to Start Here and run the wizard.
Ready to integrate? Open your product's integration guide and use your Test Key and Salt to build and test your first payment.
Ready to go live? See the Pre-Launch Checklist to make sure your integration is production-ready.

Updated about 1 month ago

Did this page help you?

Set Up Your Account

How long does this take?

Step 1: Create a PayU Account

What Happens Next:

Step 2: Complete KYC and Activate Your Account

Note:

Business Information

KYC Checks

Note:

Documents checklist

Step 3: Get your credentials

What are Merchant Key and Salt?

Test vs Production Secrets

Note:

Production Secrets are Sensitive

How to Get Your Keys

Note:

Note:

Do Not Share!

Regenerate Your Salt

Important:

What's next

EXAMPLE QUESTIONS