Eligible BINs for EMI API v1.0

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"

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
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}`

Request parameters

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