CB - Net Banking

post

https://test.payu.in/_payment

Merchant-hosted net banking payment for Cross-Border integrations. The customer selects a bank on your site and is redirected to complete authentication.

PayU allows you to collect Cross-Border payments using Net Banking. Set pg to NB and bankcode to the PayU code for the selected bank (sandbox sample: TESTPGNB). The buyer_type_business parameter indicates the type of business of the buyer.

After the payment is complete, you must use the Invoice Upload API to upload invoices for bank processing. AWB details are mandatory for Goods transactions.

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Reference: For steps to integrate Net Banking for Cross-Border Payments, refer to NetBanking Integration.

Sample Request

curl --location --request POST 'https://test.payu.in/_payment' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'key=JPM7Fg' \
--data-urlencode 'txnid=xdB9G7qYpfqszo' \
--data-urlencode 'amount=10' \
--data-urlencode 'firstname=PayU' \
--data-urlencode 'lastname=User' \
--data-urlencode '[email protected]' \
--data-urlencode 'phone=9876543210' \
--data-urlencode 'productinfo=iPhone' \
--data-urlencode 'address1=123 Main Street' \
--data-urlencode 'city=New York' \
--data-urlencode 'state=NY' \
--data-urlencode 'country=US' \
--data-urlencode 'zipcode=10001' \
--data-urlencode 'surl=https://test-payment-middleware.payu.in/simulatorResponse' \
--data-urlencode 'furl=https://test-payment-middleware.payu.in/simulatorResponse' \
--data-urlencode 'pg=NB' \
--data-urlencode 'bankcode=TESTPGNB' \
--data-urlencode 'udf1=AELPR1234E' \
--data-urlencode 'udf3=02-02-1980' \
--data-urlencode 'udf4=XYZ Pvt. Ltd.' \
--data-urlencode 'udf5=INV123456' \
--data-urlencode 'buyer_type_business=1' \
--data-urlencode 'udf_params={"udf7":"0100000029","udf8":"99953729071"}' \
--data-urlencode 'hash=YOUR_CALCULATED_HASH'

Sample Response

Redirect postback (posted to surl or furl)

mihpayid=403993715523409521&mode=NB&status=success&unmappedstatus=captured&key=JPM7Fg&txnid=5jJ9xRceXX1ydT&amount=10.00&discount=0.00&net_amount_debit=10.00&addedon=2021-07-02+15%3A03%3A50&productinfo=iPhone&firstname=PayU+User&lastname=&address1=&address2=&city=&state=&country=&zipcode=&[email protected]&phone=9876543210&udf1=&udf2=&udf3=&udf4=&udf5=&PG_TYPE=NB-PG&bank_ref_num=5jJ9xRceXX1ydT&bankcode=TESTPGNB&error=E000&error_Message=No+Error&hash=716f92a6452adadba68d133ba7f5ca3f3403f03f554e3ef850911f3e6727ee73402b249054170ad276c8b55ca12368a5e27cc69ffb0642ef6403dae9a5708794

Verify the response hash before updating the order status. See Generate Hash.

Redirect response parameters

Parameters posted to surl or furl after the customer completes or abandons payment.

Parameter	Description
mihpayid	Unique reference number created for each transaction at PayU's end; used to identify a transaction for refunds.
mode	Payment category. For net banking, the value is NB.
bankcode	Code for the net-banking option used (for example, TESTPGNB in sandbox).
status	Transaction status: `success`, `failure`, or `pending`. Treat `failure` and `pending` as failed for order mapping unless your integration guide specifies otherwise.
unmappedstatus	Internal PayU status (for example, dropped, bounced, captured, auth, failed, usercancelled, pending). See Payment State Explanations.
key	Merchant key.
error	Failure reason for failed transactions.
error_message	Error message. See Error Codes.
bank_ref_num	Bank reference number for successful transactions.
txnid	Transaction ID posted by the merchant in the request.
amount	Amount sent in the transaction request.
discount	Discount amount applied by the merchant.
net_amount_debit	Net amount debited.
addedon	Transaction date and time.
productinfo	Product information echoed from the request.
firstname	First name echoed from the request.
lastname	Last name echoed from the request.
address1	Billing address line 1 echoed from the request.
address2	Billing address line 2 echoed from the request.
city	Billing city echoed from the request.
state	Billing state echoed from the request.
country	Billing country echoed from the request.
zipcode	Billing postal code echoed from the request.
email	Email echoed from the request.
phone	Phone echoed from the request.
hash	Response hash. Verify using PayU post-response hash rules. See Generate Hash.
PG_TYPE	Payment gateway used for the transaction (for example, NB-PG).
udf1	Echo of udf1 from the request (buyer PAN for Cross-Border).
udf2	Echo of udf2 from the request.
udf3	Echo of udf3 from the request (buyer DOB for Cross-Border).
udf4	Echo of udf4 from the request (merchant name for PA2PA).
udf5	Echo of udf5 from the request (invoice ID).
udf6	Echo of udf6 from the request.
udf7	Import or export code when passed via udf_params.
udf8	Airway bill / consignment number when passed via udf_params.
udf9	Echo of udf9 from the request.
field1 – field9	Gateway-specific fields returned by the bank or PayU for the selected net-banking flow.
payment_source	Source of the payment (for example, `payu`).
success_at	Date and timestamp when the transaction succeeded.

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Values to be used in Test environment
For sandbox net-banking codes and test credentials, refer to Test Cards, UPI ID and Wallets and Net Banking Codes.

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Reference:

For the character limit of each parameter and detailed description, refer to Additional Info for Payment APIs.

Net-banking bank codes: Net Banking Codes.

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Error handling: If any error message is displayed with an error code, refer to the Error Codes section.

Form Data

Form-encoded payment request for Cross-Border Net Banking.

key

string

required

Merchant key provided by PayU during onboarding.

txnid

string

required

The transaction ID is a reference number for a specific order that is generated by the merchant.

amount

string

required

The payment amount for the transaction. Post as a decimal string (for example, "10" or "10.00").

productinfo

string

required

A brief description of the product.

firstname

string

required

The first name of the customer.

surl

uri

required

The success URL, which is the page PayU will redirect to if the transaction is successful.

furl

uri

required

The failure URL, which is the page PayU will redirect to if the transaction fails.

string

required

The email address of the customer.

string

required

Payment gateway tab. For net banking, use NB. Some sandbox configurations accept TESTPG.

bankcode

string

required

PayU net-banking code for the selected bank. For sandbox testing, use TESTPGNB. For production bank codes, refer to Net Banking Codes documentation or your PayU Key Account Manager (KAM).

hash

string

required

Hash calculated by the merchant. Format: sha512(key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3|udf4|udf5||||||SALT)

phone

string

required

The phone number of the customer.

lastname

string

The last name of the customer.

buyer_type_business

string

Identifies a B2B Cross-Border transaction. Post 1 for B2B.

curl

uri

The cancel URL, which is the page PayU will redirect to if the transaction is cancelled by the customer.

udf1

string

Buyer PAN (Permanent Account Number) for Cross-Border flows.

udf2

string

User-defined field for transaction metadata (udf2).

udf3

string

This parameter is optional but recommended for a higher approval rate. Buyer date of birth (DOB) in DD-MM-YYYY format.

udf4

string

Merchant name for PA2PA integrations.

udf5

string

required

Invoice ID for the merchant. Mandatory during or after the transaction (including via the udf_update API post successful transaction).

address1

string

This parameter is optional but recommended for a higher approval rate. The customer's primary billing address line (up to 100 characters).

address2

string

The customer's secondary billing address line. Optional.

city

string

This parameter is optional but recommended for a higher approval rate. The customer's billing city (maximum 50 characters).

state

string

This parameter is optional but recommended for a higher approval rate. The customer's billing state or province (maximum 50 characters).

country

string

This parameter is optional but recommended for a higher approval rate. The customer's billing country (maximum 50 characters).

zipcode

string

required

The customer's billing postal/zip code. Mandatory for Cross-Border Net Banking.

udf_params

string

Optional JSON string for additional UDF values; documents UDF7 for Import or Export Code and UDF8 for Airway Bill / Consignment Number.

Headers

string

enum

Defaults to text/plain

Generated from available response content types

Allowed:

Responses

302

Redirect to the bank login page or merchant surl / furl.

Language

URL

Loading…

Response

Click Try It! to start a request and see the response here! Or choose an example:

text/plain

text/html

Values to be used in Test environment

200May return HTML or a query-string style body (for example, mihpayid=…&status=success&…) depending on integration. Verify hash on return using PayU post-response hash rules.

EXAMPLE QUESTIONS