Load and Pay Transaction API

The Load and Pay Transaction API is designed to handle wallet transactions where the wallet balance is insufficient. It enables users to first load money into their wallet and then directly proceed with the payment (debiting the wallet) in a single streamlined transaction.

Environment

Environment	URL
Test	`https://test.payu.in/_payment`
Production	`https://secure.payu.in/_payment`

HTTP Method: POST

Request Headers

Parameter	Description
Content-Type `mandatory`	`String` application/x-www-form-urlencoded

Request Parameters

Parameter	Description	Example
key `mandatory`	`String` Merchant key provided by PayU during onboarding	KOEfPI
txnid `mandatory`	`Alphanumeric` Unique transaction ID generated for each load and pay transaction	ram1234
amount `mandatory`	`Numeric` Transaction amount in implied decimals (₹41.00 → 4100)	4100
productinfo `mandatory`	`String` Description and details about the product being purchased	eCommerce
firstname `mandatory`	`String` Customer's first name	John
lastname `optional`	`String` Customer's last name	Doe
email `mandatory`	`String` Email ID associated with the customer wallet/account	[email protected]
phone `mandatory`	`Numeric` Customer's phone number with country code	919988776655
surl `mandatory`	`String` Success URL where customer will be redirected upon successful transaction	https://merchant.com/success
furl `mandatory`	`String` Failure URL where customer will be redirected upon failed transaction	https://merchant.com/failure
pg `mandatory`	`String` Constant parameter indicating the payment gateway (CLW)	CLW
bankcode `mandatory`	`String` Bank code indicating the payment option used for the transaction	PAY
customer_id `conditional`	`Numeric` Unique wallet/customer ID for wallet integration	70000000008
walleturn `conditional`	`Numeric` URN (Unique Reference Number) for wallet transactions	123456789
loadmoney `mandatory`	`Numeric` Amount to be loaded into the wallet if existing balance is insufficient	1000
txn_s2s_flow `mandatory`	`Numeric` Identifies the merchant-hosted transaction flow (constant value 4)	4
hash `mandatory`	`String` SHA512 hash for securing the API request. For more information, refer to Hash Calculation	84bbbf...f5c9

📘
Note: Either customer_id or walleturn must be provided to identify the wallet.

Hash calculation

The hash is calculated using SHA512 with the following string:

key|txnid|amount|productinfo|firstname|email|||||||||||||{salt}

Sample request

curl --location --request POST 'https://test.payu.in/_payment' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'key=KOEfPI' \
--data-urlencode 'txnid=ram1234' \
--data-urlencode 'amount=41.00' \
--data-urlencode 'productinfo=eCommerce' \
--data-urlencode 'firstname=John' \
--data-urlencode 'lastname=Doe' \
--data-urlencode '[email protected]' \
--data-urlencode 'phone=919988776655' \
--data-urlencode 'surl=https://merchant.com/success' \
--data-urlencode 'furl=https://merchant.com/failure' \
--data-urlencode 'pg=CLW' \
--data-urlencode 'bankcode=PAY' \
--data-urlencode 'walleturn=123456789' \
--data-urlencode 'loadmoney=1000' \
--data-urlencode 'txn_s2s_flow=4' \
--data-urlencode 'hash=84bbbf...f5c9'

Sample Response

Successful Transaction

{
  "mihpayid": "1735903830180094",
  "status": "success",
  "key": "KOEfPI",
  "txnid": "ram1234",
  "amount": "41.00",
  "addedon": "2025-01-13 18:24:06",
  "net_amount_debit": "40.00",
  "hash": "6e640b16...2b2a",
  "bank_ref_num": "1099",
  "PG_TYPE": "CLW-PG",
  "error": "E000",
  "error_message": "No Error",
  "firstname": "John",
  "lastname": "Doe",
  "email": "[email protected]",
  "phone": "919988776655"
}

Failed Transaction

{
  "mihpayid": "1735903830180095",
  "status": "failure",
  "key": "KOEfPI",
  "txnid": "ram1235",
  "amount": "41.00",
  "error": "E001",
  "error_message": "Payment gateway error",
  "hash": "xyz789abc123..."
}

Response Parameters

Parameter	Description	Example
mihpayid	Unique PayU-generated transaction reference number	1735903830180094
status	Transaction final status (success, failure, pending)	success
key	Merchant key (echoed back)	KOEfPI
txnid	Transaction ID (echoed back)	ram1234
amount	Transaction amount debited from the wallet	41.00
addedon	Time and date when the transaction was completed	2025-01-13 18:24:06
net_amount_debit	Final successfully paid amount after processing fees	40.00
hash	Response hash generated by PayU for verification	6e640b16...2b2a
bank_ref_num	Unique reference number generated by the bank	1099
PG_TYPE	Payment gateway used for the transaction	CLW-PG
error	Error code if the transaction fails	E000
error_message	Detailed error description	No Error
firstname	Customer's first name	John
lastname	Customer's last name	Doe
email	Customer's email	[email protected]
phone	Customer's phone number	919988776655

HTTP Status Codes

Status Code	Description
200	OK - Request processed successfully
400	Bad Request - Invalid request parameters
401	Unauthorized - Authentication failed
500	Internal Server Error

Error Scenarios

Error	Description	Solution
Payment gateway failure	PG load transaction failed	Retry with different payment method
Insufficient load amount	`loadmoney` less than required	Increase load amount
Invalid wallet	Customer ID or wallet URN not found	Verify wallet details
Transaction limit exceeded	Amount exceeds allowed limits	Check transaction limits
Hash mismatch	Invalid hash in request	Verify hash calculation

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