Seamless Debit Transaction API

The Seamless Debit Transaction API allows you to debit funds from a wallet seamlessly through PayU payment gateway. This API provides a smooth user experience by handling the payment flow without redirecting the customer away from your application.

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

Body Parameters

The request body contains both encrypted and decrypted parameters.

Encrypted

Parameter	Description
encdata `mandatory`	`String` Encrypted request body containing all the decrypted parameters

Decrypted

Parameter	Description	Example
txnId `mandatory`	`Alphanumeric(25)` Unique transaction ID generated by the merchant	56882
key `mandatory`	`Alphanumeric(50)` Merchant key provided by PayU during onboarding	KPQwN8
productinfo `mandatory`	`Alphanumeric(100)` Brief description of the product	iPhone
Customer_id `optional`	`Numeric(50)` Unique ID for the customer (merchant's identifier)	89342546
walleturn `optional`	`Numeric(11)` Wallet URN generated by the system	70000000008
firstName `mandatory`	`String(60)` Customer's first name (only characters and single spaces)	Sourav
lastName `optional`	`String(60)` Customer's last name	Mishra
phone `mandatory`	`Numeric(15)` Customer's phone number including ISD code	919988776655
email `mandatory`	`String(50)` Customer email address	[email protected]
ws_online_response `mandatory`	`String(255)` URL to redirect customer if transaction succeeds	https://success.url.com
ws_failure_response `mandatory`	`String(255)` URL to redirect customer if transaction fails	https://failure.url.com
amount `mandatory`	`Numeric(12)` Amount to debit in implied decimals (₹4.10 → 410)	4100
pg `mandatory`	`String(10)` Set to 'CLW' for PayU's closed loop wallet	CLW
txn_s2s_flow `mandatory`	`Numeric(1)` Constant value '4' to identify Seamless Debit	4
bankcode `mandatory`	`String(10)` Code indicating the PG used (merchant-specific)	PAY
hash `mandatory`	`String(128)` SHA512 hash for request authentication	6e640b...

📘
Note: Either Customer_id or walleturn must be provided.

Response Parameters

Parameter	Description	Example
mihpayid	Unique PayU-generated transaction reference number	1735903830180094
mode	Payment method used	CLW
status	Transaction status	success
key	Merchant key (echoed back)	KPQwN8
txnid	Transaction ID (echoed back)	56882
amount	Transaction amount	10.00
productinfo	Product description (echoed back)	iPhone
firstname	Customer first name	Sourav
lastname	Customer last name	Mishra
email	Customer email	[email protected]
phone	Customer phone number	919988776655
hash	Response hash for verification	abc123...
PG_TYPE	Payment gateway type	CLW
bank_ref_num	Bank reference number	123456789
error	Error message (if any)	Insufficient balance
error_Message	Detailed error message	Wallet balance is insufficient

Sample Request

Encrypted Packet

curl --location --request POST 'https://test.payu.in/_payment' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'encdata=h/0YSUd9jKOQ8+2Dc3Phr4s7vxyz123...'

Decrypted Packet

txnId=56882&key=KPQwN8&productinfo=iPhone&Customer_id=89342546&firstName=Sourav&lastName=Mishra&phone=919988776655&[email protected]&ws_online_response=https://success.url.com&ws_failure_response=https://failure.url.com&amount=4100&pg=CLW&txn_s2s_flow=4&bankcode=PAY&hash=6e640b...

Sample Response

Successful Transaction

{
  "mihpayid": "1735903830180094",
  "mode": "CLW",
  "status": "success",
  "key": "KPQwN8",
  "txnid": "56882",
  "amount": "41.00",
  "productinfo": "iPhone",
  "firstname": "Sourav",
  "lastname": "Mishra",
  "email": "[email protected]",
  "phone": "919988776655",
  "hash": "abc123def456...",
  "PG_TYPE": "CLW",
  "bank_ref_num": "123456789"
}

Failed Transaction

{
  "mihpayid": "1735903830180095",
  "mode": "CLW",
  "status": "failure",
  "key": "KPQwN8",
  "txnid": "56883",
  "amount": "41.00",
  "productinfo": "iPhone",
  "firstname": "Sourav",
  "lastname": "Mishra",
  "email": "[email protected]",
  "phone": "919988776655",
  "hash": "xyz789abc123...",
  "PG_TYPE": "CLW",
  "error": "Insufficient balance",
  "error_Message": "Wallet balance is insufficient for this transaction"
}

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