Eligible BINs for EMI API

The Eligible BINs for EMI API (eligibleBinsForEMI) version 1.0 is used only when the merchant needs the EMI feature of PayU. If you are managing card details on your website, this API can tell the issuing bank of the card bin. It also provides the minimum eligible amount for a particular bank.

You can post a request using any of the following methods:

Request without Bank Selection: This is submitting API without bank name in var3 field.
Request with Bank Selection: This is submitting API with bank name in var3 field so that you will get the details for the specified bank.

Environment

Environment	URL
Test Environment	https://test.payu.in/merchant/postservice?form=2
Production Environment	https://info.payu.in/merchant/postservice?form=2

Sample request

curl -X POST "https://test.payu.in/merchant/postservice?form=2" \
-H "accept: application/json" \
-H "Content-Type: application/x-www-form-urlencoded" \
-d "key=JP***g&command=eligibleBinsForEMI&var1=Bin&var2=512345&hash=3c923a16606d07f12aa984487626abbc0981f540131f8bb0d24b6322c362089bbd4114d710129ce54128691956775352ac53e7d7943392959d37275c934245f2"

Example Request Types:

Request without Bank Selection:
```
var1=Bin&var2=512345
```
Request with Bank Selection:
```
var1=Bin&var2=512345&var3=AXIS
```

Example Values:

var1: Bin or NET
var2 (first 6/8/9 digits of the card):
- AXIS EMI: 4453-3410-6587-6437
- ICICI EMI: 4808-5578-4874-1463

Sample response

Success Scenario

On successful processing from PayU, the response is similar to the following:

{
  "status": 1,
  "msg": "Details fetched successfully",
  "details": {
    "isEligible": 1,
    "bank": "AXIS",
    "minAmount": 2500
  }
}

Failure Scenario

If eligibility is not found:

{
  "status": 1,
  "msg": "Details fetched successfully",
  "details": {
    "isEligible": 0
  } 
}

Response parameters

Parameter	Description	Example
status	This parameter returns the status of web service call. The status can be any of the following: • 0 - If web service call failed. • 1 - If web service call succeeded	1
msg	This parameter returns whether the EMI details were fetched successfully or not found.	"Details fetched successfully"
details	The details of the EMI offer is displayed in a JSON format and it contains the following fields: • isEligible - This parameter can be any of the following values: - 0 - If EMI offers are not available for the given card BIN. - 1 - If EMI offers are available for the given card BIN. • bank - The name of bank that corresponds to the given card BIN • minAmount - The minimum amount for which the EMI offer is available	`{"isEligible": 1, "bank": "AXIS", "minAmount": 2500}`

Response Fields in Details Object:

Field	Description	Example
isEligible	Indicates if EMI is available for the card BIN (0=No, 1=Yes)	1
bank	The bank name associated with the card BIN	"AXIS"
minAmount	Minimum transaction amount eligible for EMI conversion	2500

Request parameters

Additional information for request parameters

Parameter	Description
key	Merchant key provided by PayU
command	Must be set to "eligibleBinsForEMI" for this API
var1	Parameter type - should be "Bin" for card BIN check or "NET" for Netbanking
var2	The first 6/8/9 digits of the card when var1=Bin
var3	Optional - Bank name to check eligibility for a specific bank
hash	Security hash calculated using merchant key, salt and command

Hash Calculation

Hash for this API is calculated using:

sha512(key|command|var1|salt) sha512

Example Values

Use the following sample values while trying out the API:

var1: Bin or NET
var2 (first 6/8/9 digits of the card):
- AXIS EMI: 4453-3410-6587-6437
- ICICI EMI: 4808-5578-4874-1463

Important Notes:

BIN Length: For most cards, use the first 6 digits. Some banks may require 8 or 9 digits for accurate identification.
Bank Selection:
- Without bank selection (var3 empty): Get eligibility for any bank matching the BIN
- With bank selection (var3 populated): Verify if the specific bank offers EMI for the BIN
Minimum Amount: The response includes the minimum transaction amount that qualifies for EMI with the identified bank.
EMI Implementation Flow:
- Check BIN eligibility using this API
- If eligible (isEligible=1), offer EMI option to customer
- Use bank and minAmount to show appropriate EMI options
- Ensure transaction amount is ≥ minAmount
Integration with Payment Flow: This API is typically called before initiating the payment to determine if EMI should be presented as an option to the customer.