Cards

You can collect payments from customers with leading cards using the Merchant Hosted integration. You need to ensure that CC or DC for the pg parameter and card code based on the desired card provider for the bankcode parameter is posted.

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Note:
PayU accepts domestic and international transactions, but international transactions need to be enabled by writing to PayU Integration Team ([email protected]).


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

Sample request

curl -X POST "https://test.payu.in/_payment" -H "accept: application/json" -H "Content-Type: application/x-www-form-urlencoded" -d "key=JP***g&txnid=EaE4ZO3vU4iPsp&amount=10.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=cc&bankcode=MAST&surl=https://apiplayground-response.herokuapp.com/&furl=https://apiplayground-response.herokuapp.com/&ccnum=5123456789012346&ccexpmon=05&ccexpyr=2022&ccvv=123&ccname=undefined&hash=fc3206829a6b4f8e300aeefb8f91add568b83dc90d01383a8e16553cc9600a3aefd4be2e370d32f0315ef1b9f28740515a9556b55abfefa7b54b434f894c9304"

Sample response

Normal tranasaction

mihpayid=403993715531077182&mode=CC&status=success&unmappedstatus=captured&key=JPM7Fg&txnid=ypl938459435dfdfdf&amount=1000.00&cardCategory=domestic&discount=0.00&net_amount_debit=1000&addedon=2024-02-27+15%3A11%3A37&productinfo=iPhone&firstname=Ashish+User&lastname=&address1=&address2=&city=&state=&country=&zipcode=&email=ashish%40gmail.com&phone=9876543210&udf1=&udf2=&udf3=&udf4=&udf5=&udf6=&udf7=&udf8=&udf9=&udf10=&hash=afeab9dcf4e43d47f8fbf5a6838d393c70694a58e30ada08e6cb86ac943236c05717c5f5e4872d671fe81d0d9b2d9facd44e9a061ba621aff6f20c4343ea5dfa&field1=&field2=&field3=&field4=&field5=&field6=&field7=&field8=&field9=Transaction+Completed+Successfully&payment_source=payu&PG_TYPE=CC-PG&bank_ref_num=7f0d5ada-59bb-41d7-9e41-20a6af2406c9&bankcode=CC&error=E000&error_Message=No+Error&name_on_card=test&cardnum=411111XXXXXX1111&cardhash=This+field+is+no+longer+supported+in+postback+params.

Parsed response for a normal transaction

{
  "mihpayid": "403993715531077182",
  "mode": "CC",
  "status": "success",
  "unmappedstatus": "captured",
  "key": "JPM7Fg",
  "txnid": "ypl938459435dfdfdf",
  "amount": "1000.00",
  "cardCategory": "domestic",
  "discount": "0.00",
  "net_amount_debit": "1000",
  "addedon": "2024-02-27 15:00:42",
  "productinfo": "iPhone",
  "firstname": "Ashish",
  "lastname": "",
  "address1": "",
  "address2": "",
  "city": "",
  "state": "",
  "country": "",
  "zipcode": "",
  "email": "[email protected]",
  "phone": "9876543210",
  "udf1": "",
  "udf2": "",
  "udf3": "",
  "udf4": "",
  "udf5": "",
  "udf6": "",
  "udf7": "",
  "udf8": "",
  "udf9": "",
  "udf10": "",
  "hash": "84bbbf0fa3ba2a39942f6c3deab234c4d00bc5b6aceee5cda3c8200d6e1714e19c224d47e24d0c4a9a0cce40eddbae1dc46455c69e5e7d5dd62f6636bfab337c",
  "field1": "896193988312194700",
  "field2": "857712",
  "field3": "1000.00",
  "field4": "",
  "field5": "00",
  "field6": "02",
  "field7": "AUTHPOSITIVE",
  "field8": "AUTHORIZED",
  "field9": "Transaction is Successful",
  "payment_source": "payu",
  "PG_TYPE": "CC-PG",
  "bank_ref_num": "896193988312194700",
  "bankcode": "CC",
  "error": "E000",
  "error_Message": "No Error",
  "cardnum": "XXXXXXXXXXXX2346",
  "cardhash": "This field is no longer supported in postback params.",
  "splitInfo": "{"splitStatus":"splitNotReceived","splitSegments":[]}"
}

Response for a save card transaction

mihpayid=403993715532392220&mode=CC&status=success&key=gtKFFx&txnid=05539c1e8d56c0bf4f2e&amount=10.00&addedon=2024-09-26+16%3A39%3A03&productinfo=Product+Info&firstname=CARDHOLDERXXXXXXXXNAME-Admin&lastname=&address1=&address2=&city=&state=&country=&zipcode=&email=test%40example.com&"phone":"##########"&udf1=&udf2=&udf3=&udf4=&udf5=&udf6=&udf7=&udf8=&udf9=&udf10=&card_token=96f5e43b7fa3c78b93656&card_no=XXXXXXXXXXXX0008&field0=&field1=6MAESTROMAESTRO0&field2=696292&field3=10.00&field4=&field5=00&field6=02&field7=AUTHPOSITIVE&field8=AUTHORIZED&field9=Transaction+is+Successful&payment_source=sist&PG_TYPE=CC-PG&error=E000&error_Message=No+Error&issuing_bank=YES&card_type=MAST&cardToken=&net_amount_debit=10&discount=0.00&offer_key=&offer_availed=&unmappedstatus=captured&hash=14b08bf22072fde0a6a59cac5826d386e107dd8dce058d1a457b102e624aa729b0119d8b7920354ee0d6e6541af2851f7b88e9332eda8fd79c556a5ea6babe4c&bank_ref_no=6MAESTROMAESTRO0&bank_ref_num=6MAESTROMAESTRO0&bankcode=CC&surl=https%3A%2F%2Ftest.payu.in%2Fadmin%2Ftest_response&curl=https%3A%2F%2Ftest.payu.in%2Fadmin%2Ftest_response&furl=https%3A%2F%2Ftest.payu.in%2Fadmin%2Ftest_response&card_hash=46261359f70225c5ed11ef395058f3b2f7d003280bb4feb2f21e41aac113a252&pa_name=CARDHOLDERXXXXXXXXNAME

Parsed response for a save card transaction

[mihpayid] => 403993715532392220
    [mode] => CC
    [status] => success
    [unmappedstatus] => captured
    [key] => gtKFFx
    [txnid] => 05539c1e8d56c0bf4f2e
    [amount] => 10.00
    [cardCategory] => domestic
    [discount] => 0.00
    [net_amount_debit] => 10
    [addedon] => 2024-09-26 16:39:03
    [productinfo] => Product Info
    [firstname] => Payu-Admin
    [lastname] => 
    [address1] => 
    [address2] => 
    [city] => 
    [state] => 
    [country] => 
    [zipcode] => 
    [email] => [email protected]
    [phone] => 1234567890
    [udf1] => 
    [udf2] => 
    [udf3] => 
    [udf4] => 
    [udf5] => 
    [udf6] => 
    [udf7] => 
    [udf8] => 
    [udf9] => 
    [udf10] => 
    [hash] => 14b08bf22072fde0a6a59cac5826d386e107dd8dce058d1a457b102e624aa729b0119d8b7920354ee0d6e6541af2851f7b88e9332eda8fd79c556a5ea6babe4c
    [field1] => 639639309044936000
    [field2] => 696292
    [field3] => 10.00
    [field4] => 
    [field5] => 00
    [field6] => 02
    [field7] => AUTHPOSITIVE
    [field8] => AUTHORIZED
    [field9] => Transaction is Successful
    [payment_source] => sist
    [pa_name] => PayU
    [PG_TYPE] => CC-PG
    [bank_ref_num] => 639639309044936000
    [bankcode] => CC
    [error] => E000
    [error_Message] => No Error
    [cardToken] => 96f5e43b7fa3c78b93656
    [cardnum] => XXXXXXXXXXXX0008
    [cardhash] => This field is no longer supported in postback params.
    [issuing_bank] => YES
    [card_type] => MAST

Response parameters

Parameter	Description
mihpayid	It is a unique reference number created for each transaction at PayU's end which is used to identify a transaction in case of a refund.
mode	This parameter describes the payment category by which the transaction was completed/attempted by the customer. The values are: • Credit Card – CC • Debit Card – DC • Net Banking – NB • Cash Card – CASH • EMI – EMI • Cardless EMI – CLEMI • Buy Now Pay Later - BNPL
bankcode	This parameter contains the code indicating the payment option used for the transaction. For example, Visa Debit Card – VISA, Master Debit Card – MAST.
status	This parameter returns the status of the transaction and must be used to map the order status. Possible values are success, failure, or pending. The significance of the values for these values are: • Success: If the value of status parameter is 'success', the transaction is successful. • Failed: If the value of status parameter is 'failure' or 'pending', must only be treated as a failed transaction.
unmappedstatus	This parameter holds the status of a transaction in PayU's internal database, which can include intermediate states. Possible values include: dropped, bounced, captured, auth, failed, usercancelled, or pending. For information on status description, refer to Payment State Explanations.
key	This parameter contains the merchant key.
error	For the failed transactions, this parameter provides the reason for failure.
error_message	This parameter contains the error message. For the list of error message, refer to Error Codes.
bank_ref_num	For each successful transaction – this parameter contains the bank reference number generated by the bank.
txnid	This parameter contains the transaction ID value posted by the merchant during the transaction request.
amount	This parameter contains the original amount which was sent in the transaction request by the merchant.
cardCategory	This parameter contains the card category to indicate whether it is domestic or international.
discount	This parameter contains the discount amount by the merchant.
net_amount_debit	This parameter contains the net amount debited.
addedon	The transaction date and time of the transaction.
productinfo	This parameter contains the same value of product information which was sent in the transaction request from the merchant's end to PayU.
firstname	This parameter contains the same value of first name which was sent in the transaction request from the merchant's end to PayU.
lastname	This parameter contains the same value of last name which was sent in the transaction request from the merchant's end to PayU.
email	This parameter contains the same value of email which was sent in the transaction request from the merchant's end to PayU.
phone	This parameter contains the same value of phone which was sent in the transaction request from the merchant's end to PayU.
hash	This parameter is crucial and is similar to the hash parameter used in the transaction request. For more information, refer to Generate Hash.
PG_TYPE	This parameter gives information on the payment gateway used for the transaction.
udf1	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5, which was sent in the transaction request from the merchant's end to PayU.
udf2	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5, which was sent in the transaction request from the merchant's end to PayU.
udf3	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5 which was sent in the transaction request from the merchant's end to PayU.
udf4	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5, which was sent in the transaction request from the merchant's end to PayU.
udf5	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5, which was sent in the transaction request from the merchant's end to PayU.
udf6	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5, which was sent in the transaction request from the merchant's end to PayU.
udf7	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5, which was sent in the transaction request from the merchant's end to PayU.
udf8	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5, which was sent in the transaction request from the merchant's end to PayU.
udf9	This parameter contains the same value of udf1, udf2, udf3, udf4, or udf5, which was sent in the transaction request from the merchant's end to PayU.
success_at	This parameter contains the date and timestamp when the transaction was successful.
cardnum	The parameter contains the card number masked and only last 4 digits are returned.
issuing_bank	The parameters contains the card issuing bank.

Request parameters

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Values to be used in Test environment
For values to be used in Test environment, refer to Test Cards.

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Reference

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

Card number formats of various card types: Card Number Formats.