UPI Intent - Autopay TPV Integration

Prerequisites

S2S (Seamless) integration has to be done as per the standard kit. For more information, refer to UPI Integrations - S2S.

📘

Note:

Currently, PayU supports UPI Intent Autopay only with Seamless integration.

Step 1: Post the parameters to PayU

With the following parameters, make the transaction request with the customer's bank account number to the PayU using the Collect Payment (_payment) API.

Request parameters

In the merchant-initiated POST REQUEST, Hash is a mandatory parameter. It is critical to calculate the hash correctly and post it to PayU in the request.

Environment

beneficiarydetail JSON Object Fields

It must contain the list of account numbers and the ifscCode key with the list of corresponding IFSC codes (in the same order as provided in the beneficiaryAccountNumber key). You can post up to five account details in this parameter. For example:

{"beneficiaryAccountNumber":"002001600674|00000031957292212|00000035955239352|00000035955239352",  
"ifscCode":"KTKB0000046|KTKB0000023|KTKB0000035|KTKB0000035"}

Checksum Logic for Hash

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

📘

si_details parameter in Hashing:

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

plaintext

key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3
|udf4|udf5||||||si_details|SALT

For more information on hash generation process, refer to Generate Hash

Step 2: Check the response from PayU

Hash Validation Logic for Payment Response (Reverse Hashing)

While sending the response, PayU takes the exact same parameters that were sent in the request (in reverse order) to calculate the hash and returns it to you. You must verify the hash and then mark a transaction as a success or failure. This is to make sure the transaction has not tampered within the response.

The order of the parameters is similar to the following code block:

sha512(SALT|si_details|status||||||udf3|udf2|udf1|email|firstname|productinfo|amount|txnid|key)

Response parameters

For the response parameter description, refer to Additional Info for Payment APIs.

📘

Notes:

• 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.

Using the IntentURIData value in response

NPCI/bank reference id is value of tid. The IntentURIData parameter returns the NPCI/bank reference id in the response.

📘

Notes:

• Every time there is a change, you need to incorporate the changes to avoid breaking the transactions.
• The tid value which is passed in the intent URI acts as a validation check at NPCI's end which do not allow duplicate transaction.
• The tr value not necessary and it is a PayU ID. It can be any reference id for PayU's internal reconciliation.

Sample response

• Success scenario

On receiving valid request over PayU's payment interface (_payment), PayU returns JSON object as response object similar to the following in INTENT:

{
   "metaData":{
      "message":null,
      "referenceId":"5ae6e6d94b4b5f9dee282b95f6020c98",
      "statusCode":null,
      "txnId":"40d553e62525a03e5c54",
      "txnStatus":"pending",
      "unmappedStatus":"pending"
   },
   "result":{
      "paymentId":"15257049438",
      "merchantName":"smsplus",
      "merchantVpa":"growfitter.payu@hdfcbank",
      "amount":"1.90",
      "intentURIData":"upi://mandate?pa=growfitter.payu@hdfcbank&pn=IBIBO GROUP PRIVATE LIMITED&mn=&tid=40d553e62525a03e5c54&validitystart=30052022&validityend=01092022&am=10.00&amrule=MAX&recur=MONTHLY&recurvalue=30&recurtype=&tr=15257049438&cu=INR&mc=5411&tn=UPI Transaction for 40d553e62525a03e5c54&mode=13&purpose=14&orgid=159240&rev=Y&block=N&txnType=CREATE",
      "postToBank":{
         "token":"C6ABAA6A-F0CE-432A-61C1-CFA48EDE847B",
         "amount":"1.90",
         "mihpayid":"5ae6e6d94b4b5f9dee282b95f6020c98",
         "disableIntentSeamlessFailure":"0",
         "payeeVpa":"growfitter.payu@hdfcbank",
         "payeeName":"smsplus",
         "additionalCharges":0,
         "transactionFee":"1.90"
      },
      "issuerUrl":"https://secure.payu.in/591d096c5495eff4234e95eb64a1e1b8/intentSeamlessHandler.php"
   }
}

• Failure scenario

{
   "metaData":{
      "message":"Transaction failed due to invalid params shared by the merchant",
      "referenceId":"dde7096af9db932a9fd09b9b4383d8be",
      "statusCode":"E1101",
      "txnId":"0c4931ddee7a4f69227f",
      "txnStatus":"failed",
      "unmappedStatus":"failure"
   },
   "result":{}
}

📘

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.

Webhook response

You can also expose a webhook and needs to request Integration team PayU team to configure the same against "ws_online_response" parameter. If this webhook is configured, merchant will receive above response object over HTTP form post method similar to the following:

mihpayid=700010006211076&mode=UPI&status=success&key=275Q84&txnid=11w2f611dbab9179f1ee89&amount=10.00&addedon=2020-08-21+02%3A11%3A08&productinfo=Product+Info&firstname=Payu-Admin&lastname=&address1=&address2=&city=&state=&country=&zipcode=&email=test%40example.com&phone=1234567890&udf1=&udf2=&udf3=&udf4=Executed+Callback&udf5=&udf6=&udf7=&udf8=&udf9=&udf10=&card_token=&card_no=&field0=https%3A%2F%2Fwww.hdfc.co.in&field1=aastha%40hdfcbank&field2=HDFAD4C6BC943154ABAE0535CB2E20A7369&field3=aastha%40hdfcbank&field4=Aaaaaasthaaaa&field5=ad5626305e96efaae0535db2e20aa960%40hdfcbank&field6=HDFC0002373%7C50100101672620&field7=MD200%7CMandate+Request+Pending&field8=&field9=Recurrence+Payment+Success%7CCompleted+Using+Callback&payment_source=sist&PG_TYPE=HDFCU+SI&error=E000&error_Message=No+Error&net_amount_debit=10&unmappedstatus=captured&hash=f8be95fee8e73b8bdc0d22ee6627cc59237d4d69046db1b86580b1107affcf8fd471743f94101b4fdd7f2184d8eb35bbbb95c77728189d50227629e75851a498&bank_ref_no=023402045965&bank_ref_num=023402045965&bankcode=UPI&surl=https%3A%2F%2Fbizcheckouttest.payu.in%2Fadmin%2Ftest_response&curl=https%3A%2F%2Fbizcheckouttest.payu.in%2Fadmin%2Ftest_response&furl=https%3A%2F%2Fbizcheckouttest.payu.in%2Fadmin%2Ftest_response