Cards Decoupled Flow

You can collect card payments without redirection to bank page for entering OTP using S2S integration. This section provides the request and response parameters used in Step 1 of Decoupled Flow Integration. You can get the sample request and response when use the "Try It" experience. For more information remaining steps of integration, refer to Decoupled Flow Integration.


Reference information for request parameters



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

keyFor more information on how to generate the Key and Salt, refer to any of the following:

- Production: Generate Merchant Key and Salt

- Test: Generate Test Merchant Key and Salt
hashHash logic for _payment API is:
For more information about the hash generation process, refer to Generate Hash.
mandatory for Cross-Border Payments
This parameter must contain buyer’s PAN number for Cross-Border Payments.
mandatory for Cross-Border Payments
This parameter must contain buyer’s date of birth for Cross-Border Payments.
mandatory for Cross-Border Payments
This parameter must contain invoice id/awb id of the transaction for Cross-Border Payments.



The following parameters are mandatory for Cross-Border Payments in addition to user-defined parameters specified above: firstname, lastname, address1, city, state, country and zipcode.



Collecting the information for the following parameters from customers is helpful when it comes to issues related to fraud detection and chargebacks. Hence, it is must to provide the correct information:

  • email
  • phone
  • address1
  • s2s_client_ip
  • s2s_device_info

Response parameters

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

Request parameters


Error Handling:

A list of error message with corresponding error code and reason for the error is listed in . PayU recommends you to handle these errors when you process the transactions. For more information, refer to Error Codes


Values to be used in Test environment

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

Click Try It! to start a request and see the response here!