Net Banking

Collect payments using Net Banking with Merchant Hosted Checkout integration as described in this section. After collecting the details from the customer, make the transaction request with the payment details to PayU.

Check Net Banking health

You can check whether the Net Banking server is up and running using the getNetBankingStatus API. If the Net Banking server is down for a bank, you can inform your customers that the Net Banking server is down. For more information on the getNetBankingStatus API, refer to getNetBankingStatus.

Recommended integrations for Net Banking

  • Recurring Payments: Enable recurring payments or subscriptions for wallets. For more information, refer to Recurring Payments Integration.
  • Offers: Configure offers for cards on Dashboard and then collect payments with offers. For more information, refer to Create a No-Cost EMI Offer and [.

Request parameters

ParameterDescriptionExample
key
mandatory
String This parameter is the unique merchant key provided by PayU for your merchant account. For more information, refer to Generate Merchant Key and Salt.8488225
txnid
mandatory
varchar This parameter is known as Transaction ID (or OrderID). It is the order reference number generated at your (Merchant’s) end. It is an identifier which you(merchant) would use to track a particular order. If a transaction using a particular transaction ID has already been successful at PayU, the usage of same Transaction ID again would fail. Hence, it is essential that you post us a unique transaction ID for every new transaction (Please make sure that the transaction ID being sent to us hasn’t been successful earlier. In case of this duplication, the customer would get an error of ‘duplicate Order ID’).fd3e847h2
amount
mandatory
float This parameter should contain the payment amount of the particular transaction. Note: Type-cast the amount to float type10
productinfo
mandatory
varchar This parameter should contain a brief product description. It should be a string describing the product (The description type is entirely your choice). T-shirt
firstname
mandatory
varchar This parameter must contain the first name of the customer.Ankit
email
mandatory
varchar This parameter must contain the email of the customer)[email protected]
phone
mandatory
integer Merchant needs to take the customer’s GPay registered phone number and pass in this field. This field will be used for further mapping the customer VPA and initiate a collect request. 
pg
mandatory
string This parameter contains the payment method to be enabled to collect payment from your customer. For the list of payment methods and their codes, refer to Payment Mode Codes. For Net Banking, use NB.NB
bankcode
mandatory
Each payment option is identified with a unique bank code at PayU. The merchant must post this parameter with the corresponding payment option’s bank code value in it. For the list of bankcodes for Net Banking, refer to Net Banking Codes.AXIB
surl
mandatory
The "surl" field is the success URL, which is the page PayU will redirect to if the transaction is successful. The merchant can handle the response at this URL after the customer is redirected there.https://apiplayground-response.herokuapp.com/
furl
mandatory
The "furl" field is the Failure URL, which is the page PayU will redirect to if the transaction is failed. The merchant can handle the response at this URL after the customer is redirected there.https://apiplayground-response.herokuapp.com/
hash
mandatory
string The hash calculated by the merchant using the key and salt provided by PayU. The format for calculating the hash: sha512(key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3|udf4|udf5||||||SALT)
For more information, refer to Generate Hash.
 
lastname
optional
stringThe last name of the customer.
address1
optional
stringThe first line of the billing address.
address2
optional
stringThe second line of the billing address.
city
optional
stringThe city where your customer resides as part of the billing address.
state
optional
stringThe state where your customer resides as part of the billing address,
country
optional
stringThe country where your customer resides.
zipcode
optional
stringBilling address zip code is mandatory for the cardless EMI option.
udf1
optional
string This parameter has been made for you to keep any information corresponding to the transaction.
udf2
optional
string This parameter has been made for you to keep any information corresponding to the transaction.
udf3
optional
string This parameter has been made for you to keep any information corresponding to the transaction.
udf4
optional
string This parameter has been made for you to keep any information corresponding to the transaction.
udf5
optional
string This parameter has been made for you to keep any information corresponding to the transaction.

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Error Handling

If any error message is displayed with an error code, refer to Error Codes to understand the reason for these error codes.

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Values to be used in Test environment

You can test NetBanking only with pg=TESTPG and bankcode=TESTPGNB only.

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=bvRCCBO4YiGGHE&amount=10.00&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&pg=TESTPG&bankcode=TESTPGNB&surl=https://apiplayground-response.herokuapp.com/&furl=https://apiplayground-response.herokuapp.com/&hash=ad36b3253313753088c662053b043fbe6d7a10112b31fbf20c4b0945b6a70c3a12239c5330ec2d0a0956bcd28a689f08c94fbb9cc2c5e06bb08dc81968672f64"

Response parameters

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Reference

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

Sample response

The following is a sample response URL when the transaction is successful:

Sample Response URL

mihpayid=403993715524046125&mode=NB&status=success&unmappedstatus=captured&key=JPM7Fg&txnid=bvRCCBO4YiGGHE&amount=10.00&discount=0.00&net_amount_debit=10&addedon=2021-09-06+13%3A59%3A39&productinfo=iPhone&firstname=Ashish&lastname=&address1=&address2=&city=&state=&country=&zipcode=&email=test%40gmail.com&phone=9876543210&udf1=&udf2=&udf3=&udf4=&udf5=&udf6=&udf7=&udf8=&udf9=&udf10=&hash=fa7bb889d25b2a60bcf32316d1c9346589ff3de012dd0c66aa47ec12f1349837163ef8a603bd8b357de610b768f08dc4fb3bb4702d1ca6d9751300667fd763a6&field1=&field2=&field3=&field4=&field5=&field6=&field7=&field8=&field9=Transaction+Completed+Successfully&payment_source=payu&PG_TYPE=NB-PG&bank_ref_num=ae67e632-f4eb-4121-b47b-2d35dce5ec2e&bankcode=TESTPGNB&error=E000&error_Message=No+Error

The following is the parsed sample response body (of the above response):

Parsed Sample Response Body

Array
(
    [mihpayid] => 403993715524046125
    [mode] => NB
    [status] => success
    [unmappedstatus] => captured
    [key] => JPM7Fg
    [txnid] => bvRCCBO4YiGGHE
    [amount] => 10.00
    [discount] => 0.00
    [net_amount_debit] => 10
    [addedon] => 2021-09-06 13:59:39
    [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] => fa7bb889d25b2a60bcf32316d1c9346589ff3de012dd0c66aa47ec12f1349837163ef8a603bd8b357de610b768f08dc4fb3bb4702d1ca6d9751300667fd763a6
    [field1] => 
    [field2] => 
    [field3] => 
    [field4] => 
    [field5] => 
    [field6] => 
    [field7] => 
    [field8] => 
    [field9] => Transaction Completed Successfully
    [payment_source] => payu
    [PG_TYPE] => NB-PG
    [bank_ref_num] => ae67e632-f4eb-4121-b47b-2d35dce5ec2e
    [bankcode] => TESTPGNB
    [error] => E000
    [error_Message] => No Error
)