The fetch_offers API fetches all active (with the Live status on Dashboard) offers for this Merchant ID.
Note: If the amount are received in the request, the discount calculation for each offer is also sent as part of the response. If the amount is not received, the response does not contain the discount calculation fields.
Endpoints
| Test Environment | <https://sandbox.payu.in/offers/transactions> |
| Production Environment | <https://api.payu.in/offers/transactions> |
Request Headers
| Field | Description | Example |
|---|---|---|
Datemandatory | The date and time should be in the GMT time conversion(not the IST). For example, current time in India is 18:00:00 IST, the time in the date header should be 12:30:00 GMT. | Thu, 17 Feb 2022 08:17:59 GMT |
Digestmandatory | Base 64 encode of (sha256 hash of the JSON data (post to server). | vpGay5D/dmfoDupALPplYGucJAln9gS29g5Orn+8TC0= |
Authorizationmandatory | This field is in the following format: hmac username="smsplus", algorithm="hmac-sha256", headers="date digest", signature="CkGfgbho69uTMMOGU0mHWf+1CUAlIp3AjvsON9n9/E4=" Where the above format includes the following: • username: The merchant key of the merchant. • algorithm: This must have the value as hmac-sha256 that is used for this API • headers: This must have the value as date digest • signature: This must contain the hmacsha256 of (signing_string, merchant_secret), where: • signing_string: This is in the "Date"+"\n"+"Digest" format. Here, the Date and Digest is the same values in the fields listed in this table For example, "Thu, 17 Feb 2022 08:17:59 GMT""\n"+"vpGay5D/dmfoDupALPplYGucJAln9gS29g5Orn+8TC0=" • merchant_secret: The merchant Salt of the merchant. For more information on getting the merchant Salt, refer to Generate Merchant Key and Salt on PayU Dashboard | hmac username="smsplus", algorithm="hmac-sha256", headers="date digest", signature="zGmP5Zeqm1pxNa+d68DWfQFXhxoqf3st353SkYvX8HI=" |
platformIdmandatory | This field contains the platform ID and include the value as 1. | 1 |
The following sample Java code contains the logic used to encrypt as described in the above table:
import com.google.gson.Gson;
import com.google.gson.JsonObject;
import org.apache.commons.codec.binary.Base64;
import org.joda.time.DateTime;
import org.joda.time.format.DateTimeFormat;
import javax.crypto.Mac;
import javax.crypto.spec.SecretKeySpec;
import java.security.InvalidKeyException;
import java.security.MessageDigest;
import java.security.NoSuchAlgorithmException;
public class HmacAuth {
public static String getSha256(String input) {
try {
MessageDigest md = MessageDigest.getInstance("SHA-256");
byte[] digest = md.digest(input.getBytes());
return Base64.encodeBase64String(digest);
} catch (NoSuchAlgorithmException ignored) {}
return null;
}
public static JsonObject getRequestBody(){
JsonObject requestJson = new JsonObject();
requestJson.addProperty("firstname","John");
requestJson.addProperty("lastname","Doe");
return requestJson;
}
public static void main(String[] args) throws NoSuchAlgorithmException, InvalidKeyException {
String key = "smsplus";
String secret = "admin";
Gson gson = new Gson();
String date = DateTimeFormat.forPattern("EEE, dd MMM yyyy HH:mm:ss 'GMT'").withZoneUTC().print(new DateTime());
System.out.println(date);
JsonObject requestJson = getRequestBody();
String digest = getSha256(gson.toJson(requestJson));
System.out.println(digest);
String signingString = new StringBuilder()
.append("date: " + date)
.append("\ndigest: " + digest).toString();
Mac sha256_HMAC = Mac.getInstance("HmacSHA256");
SecretKeySpec secret_key = new SecretKeySpec(secret.getBytes(), "HmacSHA256");
sha256_HMAC.init(secret_key);
String signature = Base64.encodeBase64String(sha256_HMAC.doFinal(signingString.getBytes()));
String authorization = new StringBuilder()
.append("hmac username=\"")
.append(key)
.append("\", algorithm=\"hmac-sha256\", headers=\"date digest\", signature=\"")
.append(signature)
.append("\"").toString();
System.out.println(authorization);
}
}Request Parameters
| Parameter | Description | Example |
|---|---|---|
Amountoptional | float The offer transaction amount | |
offerKeysoptional | String Array This field contains list of keys to filter the offer in an array format. | SummerSpecialOffer2021@q1Bh0jsogwqP |
paymentIdoptional | Long Unique reference ID for a transaction which is generated by merchant and sent in the request | 110 |
userTokenoptional | String Long This parameter is used to uniquely identify a user for a client/merchant. | |
skusDetailoptional | String Array The skusDetail is in an array format and contains the SKU offer details. For more information, refer to | |
autoApplyoptional | Boolean This parameter must be set to true if the offer is automatically applied. | true |
Notes:
- If you had enable the Enforce Offer flag with PayU, the best offer out of the all the offers passed will be applied for the customer. While using this API, the autoApply parameter must be set to true if the offer is automatically applied.
- All the parameters are optional, but the header is mandatory.
skusDetail Parameter Description
In addition to the request parameters listed in the Fetch Offers API section, the skusDetail parameter is posted with the following fields are posted in an array:
| Field | Description |
|---|---|
skuAmountoptional | String The price of one/ single unit of SKU is specified in this field. |
skuIdmandatory | String The product identifier to select offer is specified in this field. |
quantityoptional | String The quantity for the product is specified in this field. |
offerKeysoptional | String The offer keys to filter at SKU-level is specified in this field. |
Sample request and response for a normal transactional offer
With autoApply=true
Sample request
curl --location 'https://sandbox.payu.in/offers/transactions' \
--header 'Content-Type: application/json' \
--header 'Date: {{generated_date}}' \
--header 'Digest: {{generated_digest}}' \
--header 'Authorization: {{generated_authorization}}' \
--header 'platformId: 1' \
--data '{
"amount": 500,
"autoApply": true,
"userToken": "merchant_key:unique_user_id"
}'Sample response
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 42693,
"mid": 180012,
"amount": 300,
"couponsAvailable": true,
"isUserPersonalizedOffersAvailable": true,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"valid": true,
"offerKey": "Test@A0RwlqkXSPkK",
"type": "MERCHANT",
"title": "Test",
"description": "Test",
"tnc": "Test",
"tncLink": null,
"minTxnAmount": 100.00,
"maxTxnAmount": 1000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2024-10-14 00:00:00",
"validTo": "2024-10-15 23:59:59",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 100.00,
"discountedAmount": 200.00,
"maxDiscount": 100.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": [
{
"networks": [],
"banks": [
{
"code": "AIRP",
"title": "Airtel Payments bank"
}
],
"title": null,
"paymentCode": null,
"handle": null
}
],
"debitCard": [
{
"networks": [
{
"code": "AMEX",
"title": "Amex CreditCard"
}
],
"banks": [],
"title": null,
"paymentCode": null,
"handle": null
}
],
"netBanking": [
{
"title": "Kotak Mahindra Bank",
"paymentCode": "162B",
"handle": null
}
],
"wallet": [
{
"title": "Amazon Pay",
"paymentCode": "AMZPAY",
"handle": null
}
],
"clw": null,
"upi": [
{
"title": "SamsungPay",
"paymentCode": "SamsungPay",
"handle": [
"pingpay"
]
}
],
"emi": {
"debitCard": {
"banks": [
{
"bankCode": "UTIB",
"bankName": "Axis Debit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "AXISD09",
"handle": null,
"discountDetail": null,
"linkedOffers": []
}
]
}
]
},
"creditCard": {
"banks": [
{
"bankCode": "AUSF",
"bankName": "AU Small Finance Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "AUSF03",
"handle": null,
"discountDetail": null,
"linkedOffers": []
}
]
}
]
},
"cardLess": {
"banks": [
{
"bankCode": "HDFC_CL",
"bankName": "Hdfc Card Less ",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 months",
"paymentCode": "HDFCCL18",
"handle": null,
"discountDetail": null,
"linkedOffers": []
}
]
}
]
},
"other": {
"banks": [
{
"bankCode": "BAJFIN",
"bankName": "Bajaj Finance Card Less ",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 months",
"paymentCode": "BAJFIN09",
"handle": null,
"discountDetail": null,
"linkedOffers": []
}
]
}
]
}
},
"bnpl": [
{
"title": "LazyPay",
"paymentCode": "LAZYPAY",
"handle": null,
"tenureOption": null
},
{
"title": "HDFC Bank FlexiPay",
"paymentCode": "HDFCF",
"handle": null,
"tenureOption": [
{
"title": "HDFC Bank FlexiPay - 15 Days",
"paymentCode": "HDFCF15",
"handle": null
}
]
}
],
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": false,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false
}
],
"skusDetail": null,
"flagToFail": false,
"isSkuOffer": false
},
"traceId": "1efe4312-d59c-4706-978c-2180a5c2e956"
}- For Base No-Cost EMI (NCE) with Instant Discount Offer
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 154400,
"mid": 8406928,
"amount": null,
"couponsAvailable": false,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"offerKey": "CashbackTest@FnarpOmjdeLL",
"type": "MERCHANT",
"title": "Cashback Test",
"description": "Get Rs.10 Flat cashback",
"tnc": "TnC",
"tncLink": null,
"minTxnAmount": 100.00,
"maxTxnAmount": 10000.00,
"offerType": "CASHBACK",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2026-02-04 00:00:00",
"validTo": "2026-02-05 23:59:59",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": null,
"discountedAmount": null,
"maxDiscount": 10.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": [
{
"title": "CRED",
"paymentCode": "CRED",
"handle": [
"axisb"
]
},
{
"title": "Bhim",
"paymentCode": "bhim",
"handle": [
"upi"
]
},
{
"title": "Paytm",
"paymentCode": "paytm",
"handle": [
"paytm"
]
},
{
"title": "Amazon Pay",
"paymentCode": "amazonpay",
"handle": [
"apl",
"yapl"
]
},
{
"title": "Groww",
"paymentCode": "Groww",
"handle": [
"yesg"
]
},
{
"title": "Freecharge",
"paymentCode": "Freecharge",
"handle": [
"freecharge"
]
},
{
"title": "WhatsApp",
"paymentCode": "whatsapp",
"handle": [
"wahdfcbank",
"waicici",
"wasbi",
"waaxis"
]
},
{
"title": "Jupiter Money",
"paymentCode": "jupiter",
"handle": [
"jupiteraxis"
]
},
{
"title": "Mobikwik",
"paymentCode": "Mobikwik",
"handle": [
"ikwik"
]
},
{
"title": "Google Pay",
"paymentCode": "googlepay",
"handle": [
"okaxis",
"oksbi",
"okicici",
"okhdfcbank"
]
},
{
"title": "PhonePe",
"paymentCode": "phonepe",
"handle": [
"axl",
"ibl",
"ybl"
]
}
],
"emi": null,
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": false,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false,
"isLockOffer": false,
"currencyDescription": null,
"cashbackDestination": null
}
],
"skusDetail": null,
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "10.248.157.222-8081-1-748685-167-1770198363.779"
}
Base NCEMI;
offerkey: BaseNCETest@1Xu25kZyv6nH
Offerkey: TestInstantDiscountN@NrjyL6571jbW
Request:
{
"amount": "2500",
"offerKeys": ["BaseNCETest@1Xu25kZyv6nH",
"TestInstantDiscountN@NrjyL6571jbW"]
}
Response;
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 154400,
"mid": 8406928,
"amount": 2500,
"couponsAvailable": false,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"offerKey": "TestInstantDiscountN@NrjyL6571jbW",
"type": "MERCHANT",
"title": "Test Instant Discount NON EMI",
"description": "Get Flat 10% off",
"tnc": "TnC",
"tncLink": null,
"minTxnAmount": 1000.00,
"maxTxnAmount": 10000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2026-02-04 00:00:00",
"validTo": "2026-02-05 23:59:59",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 100.00,
"discountedAmount": 2400.00,
"maxDiscount": 100.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": [
{
"networks": [],
"banks": [
{
"code": "HDFC",
"title": "Hdfc Bank"
},
{
"code": "ICICI",
"title": "ICICI"
}
],
"title": null,
"paymentCode": null,
"handle": null
}
],
"debitCard": [
{
"networks": [],
"banks": [
{
"code": "HDFC",
"title": "Hdfc Bank"
}
],
"title": null,
"paymentCode": null,
"handle": null
}
],
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": {
"debitCard": {
"banks": [
{
"bankCode": "HDFC",
"bankName": "HDFC Bank Debit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "HDFCD06",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "HDFCD03",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "HDFCD12",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "HDFCD09",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 Months",
"paymentCode": "HDFCD18",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
}
]
}
]
},
"creditCard": {
"banks": [
{
"bankCode": "HDFC",
"bankName": "HDFC Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "EMI12",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 Months",
"paymentCode": "EMI18",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMI6",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "EMI9",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "36 Months",
"paymentCode": "EMI36",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMI",
"handle": null,
"discountDetail": null,
"linkedOffers": [
"BaseNCETest@1Xu25kZyv6nH"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "24 Months",
"paymentCode": "EMI24",
"handle": null,
"discountDetail": null,
"linkedOffers": []
}
]
}
]
},
"cardLess": null,
"other": null
},
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": false,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false,
"isLockOffer": false,
"currencyDescription": null,
"cashbackDestination": null
},
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"offerKey": "BaseNCETest@1Xu25kZyv6nH",
"type": "MERCHANT",
"title": "Base NCE Test",
"description": "Get 15% off",
"tnc": "TnCs",
"tncLink": null,
"minTxnAmount": 1000.00,
"maxTxnAmount": 10000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2026-02-04 00:00:00",
"validTo": "2026-02-05 23:59:59",
"discountDetail": null,
"isNoCostEmi": true,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": {
"debitCard": {
"banks": [
{
"bankCode": "HDFC",
"bankName": "HDFC Bank Debit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "HDFCD06",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 112.64,
"discountedAmount": 2387.36
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "HDFCD12",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 203.83,
"discountedAmount": 2296.17
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 Months",
"paymentCode": "HDFCD18",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 290.38,
"discountedAmount": 2209.62
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "HDFCD03",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 65.21,
"discountedAmount": 2434.79
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "HDFCD09",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 158.83,
"discountedAmount": 2341.17
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
}
]
}
]
},
"creditCard": {
"banks": [
{
"bankCode": "SBIN",
"bankName": "State Bank of India Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "SBI03",
"handle": null,
"discountDetail": {
"discountPercentage": 16.5,
"discount": 67.21,
"discountedAmount": 2432.79
},
"linkedOffers": []
}
]
},
{
"bankCode": "ICIC",
"bankName": "ICICI Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMIIC6",
"handle": null,
"discountDetail": {
"discountPercentage": 14.99,
"discount": 105.76,
"discountedAmount": 2394.24
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMIIC3",
"handle": null,
"discountDetail": {
"discountPercentage": 14.99,
"discount": 61.18,
"discountedAmount": 2438.82
},
"linkedOffers": []
}
]
},
{
"bankCode": "HDFC",
"bankName": "HDFC Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMI",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 65.21,
"discountedAmount": 2434.79
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "EMI9",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 158.83,
"discountedAmount": 2341.17
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMI6",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 112.64,
"discountedAmount": 2387.36
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "EMI12",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 203.83,
"discountedAmount": 2296.17
},
"linkedOffers": [
"TestInstantDiscountN@NrjyL6571jbW"
]
}
]
}
]
},
"cardLess": null,
"other": null
},
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": "NO_COST_EMI",
"isBaseOffer": true,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": false,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false,
"isLockOffer": false,
"currencyDescription": null,
"cashbackDestination": null
}
],
"skusDetail": null,
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "10.248.157.222-8081-1-772954-339-1770199777.284"
}
Low cost EMI
Request;
{
"amount": "2500",
"offerKeys": ["LCETestOffer@Ou6Fnq8uPf2O"]
}
Response;
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 154400,
"mid": 8406928,
"amount": 2500,
"couponsAvailable": false,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"offerKey": "LCETestOffer@Ou6Fnq8uPf2O",
"type": "MERCHANT",
"title": "LCE Test Offer",
"description": "Get Instant LCE off",
"tnc": "TnC",
"tncLink": null,
"minTxnAmount": 1000.00,
"maxTxnAmount": 100000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2026-02-04 00:00:00",
"validTo": "2026-02-05 23:59:59",
"discountDetail": null,
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": {
"debitCard": null,
"creditCard": {
"banks": [
{
"bankCode": "AMEX",
"bankName": "American Express Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "EMIAMEX3",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 12.00,
"discountedAmount": 2488.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "EMIAMEX6",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 12.00,
"discountedAmount": 2488.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "INDB",
"bankName": "IndusInd Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMIIND6",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMIIND3",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "CITI",
"bankName": "Citi Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMI06",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMI03",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "KKBK",
"bankName": "Kotak Mahindra Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMIK6",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMIK3",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "HSBC",
"bankName": "HSBC Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMIHS03",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMIHS06",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "RATN",
"bankName": "RBL Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMIRBL3",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMIRBL6",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "YESB",
"bankName": "Yes Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMIY06",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMIY03",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "SBIN",
"bankName": "State Bank of India Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "SBI03",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "SBI06",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "ICIC",
"bankName": "ICICI Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMIIC6",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMIIC3",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "ONEC",
"bankName": "One Card Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "ONEC03",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "ONEC06",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "HDFC",
"bankName": "HDFC Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMI6",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMI",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "IDFC",
"bankName": "Idfc Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "IDFC03",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "IDFC06",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "SCBL",
"bankName": "Standard Chartered Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMISCB6",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMISCB3",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
},
{
"bankCode": "UTIB",
"bankName": "Axis Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "EMIA6",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "EMIA3",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": 11.00,
"discountedAmount": 2489.00
},
"linkedOffers": []
}
]
}
]
},
"cardLess": null,
"other": null
},
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": "LOW_COST_EMI",
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": false,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false,
"isLockOffer": false,
"currencyDescription": null,
"cashbackDestination": null
}
],
"skusDetail": null,
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "10.248.157.222-8081-1-774731-57-1770199898.382"
}
Nocost EMI
Request;
{
"amount": "2500",
"offerKeys": ["NCETestOffer@eHb7ESUPH8ls"]
}
Response;
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 154400,
"mid": 8406928,
"amount": 2500,
"couponsAvailable": false,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"offerKey": "NCETestOffer@eHb7ESUPH8ls",
"type": "MERCHANT",
"title": "NCE Test Offer",
"description": "Get 5% off",
"tnc": "Tnc",
"tncLink": null,
"minTxnAmount": 1000.00,
"maxTxnAmount": 10000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2026-02-04 00:00:00",
"validTo": "2026-02-05 23:59:59",
"discountDetail": null,
"isNoCostEmi": true,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": {
"debitCard": {
"banks": [
{
"bankCode": "BARB",
"bankName": "Bank of Baroda Debit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 Months",
"paymentCode": "BOBD18",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 290.38,
"discountedAmount": 2209.62
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "BOBD03",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 65.21,
"discountedAmount": 2434.79
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "BOBD09",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 158.83,
"discountedAmount": 2341.17
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "BOBD12",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 203.83,
"discountedAmount": 2296.17
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "BOBD06",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 112.64,
"discountedAmount": 2387.36
},
"linkedOffers": []
}
]
},
{
"bankCode": "SBIN",
"bankName": "State Bank of India Debit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "SBID09",
"handle": null,
"discountDetail": {
"discountPercentage": 18.45,
"discount": 181.83,
"discountedAmount": 2318.17
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 Months",
"paymentCode": "SBID18",
"handle": null,
"discountDetail": {
"discountPercentage": 18.45,
"discount": 330.56,
"discountedAmount": 2169.44
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "SBID12",
"handle": null,
"discountDetail": {
"discountPercentage": 18.45,
"discount": 232.90,
"discountedAmount": 2267.10
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "SBID06",
"handle": null,
"discountDetail": {
"discountPercentage": 18.45,
"discount": 129.20,
"discountedAmount": 2370.80
},
"linkedOffers": []
}
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"title": "18 Months",
"paymentCode": "EMI18",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 290.38,
"discountedAmount": 2209.62
},
"linkedOffers": []
}
]
},
{
"bankCode": "IDFC",
"bankName": "Idfc Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "15 months",
"paymentCode": "IDFC15",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 247.67,
"discountedAmount": 2252.33
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "24 months",
"paymentCode": "IDFC24",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 372.55,
"discountedAmount": 2127.45
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "IDFC06",
"handle": null,
"discountDetail": {
"discountPercentage": 15.0,
"discount": 105.83,
"discountedAmount": 2394.17
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 months",
"paymentCode": "IDFC09",
"handle": null,
"discountDetail": {
"discountPercentage": 15.0,
"discount": 149.35,
"discountedAmount": 2350.65
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "IDFC03",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 65.21,
"discountedAmount": 2434.79
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 months",
"paymentCode": "IDFC12",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 203.83,
"discountedAmount": 2296.17
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 months",
"paymentCode": "IDFC18",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 290.38,
"discountedAmount": 2209.62
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "36 months",
"paymentCode": "IDFC36",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 524.74,
"discountedAmount": 1975.26
},
"linkedOffers": []
}
]
},
{
"bankCode": "KKBK",
"bankName": "Kotak Mahindra Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMIK6",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 112.64,
"discountedAmount": 2387.36
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "24 Months",
"paymentCode": "EMIK24",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 372.55,
"discountedAmount": 2127.45
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 Months",
"paymentCode": "EMIK18",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 290.38,
"discountedAmount": 2209.62
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMIK3",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 65.21,
"discountedAmount": 2434.79
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "EMIK12",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 203.83,
"discountedAmount": 2296.17
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "EMIK9",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 158.83,
"discountedAmount": 2341.17
},
"linkedOffers": []
}
]
},
{
"bankCode": "UTIB",
"bankName": "Axis Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 months",
"paymentCode": "EMIA9",
"handle": null,
"discountDetail": {
"discountPercentage": 15.0,
"discount": 149.35,
"discountedAmount": 2350.65
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 months",
"paymentCode": "EMIA12",
"handle": null,
"discountDetail": {
"discountPercentage": 15.0,
"discount": 191.81,
"discountedAmount": 2308.19
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "EMIA6",
"handle": null,
"discountDetail": {
"discountPercentage": 14.0,
"discount": 98.99,
"discountedAmount": 2401.01
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 months",
"paymentCode": "EMIA18",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 290.38,
"discountedAmount": 2209.62
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "EMIA3",
"handle": null,
"discountDetail": {
"discountPercentage": 14.0,
"discount": 57.22,
"discountedAmount": 2442.78
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "24 months",
"paymentCode": "EMIA24",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 372.55,
"discountedAmount": 2127.45
},
"linkedOffers": []
}
]
}
]
},
"cardLess": {
"banks": [
{
"bankCode": "KBEE",
"bankName": "Kredibee Card Less ",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 months",
"paymentCode": "KBEE12",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 227.60,
"discountedAmount": 2272.40
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 months",
"paymentCode": "KBEE09",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 177.63,
"discountedAmount": 2322.37
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 months",
"paymentCode": "KBEE18",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 323.26,
"discountedAmount": 2176.74
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "KBEE06",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 126.17,
"discountedAmount": 2373.83
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "KBEE03",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 73.17,
"discountedAmount": 2426.83
},
"linkedOffers": []
}
]
},
{
"bankCode": "ICICI_CL",
"bankName": "Icici Card Less ",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 months",
"paymentCode": "ICICIC09",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 177.63,
"discountedAmount": 2322.37
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 months",
"paymentCode": "ICICIC12",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 227.60,
"discountedAmount": 2272.40
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "ICICIC06",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 126.17,
"discountedAmount": 2373.83
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "ICICIC03",
"handle": null,
"discountDetail": {
"discountPercentage": 18.0,
"discount": 73.17,
"discountedAmount": 2426.83
},
"linkedOffers": []
}
]
},
{
"bankCode": "HDFC_CL",
"bankName": "Hdfc Card Less ",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 months",
"paymentCode": "HDFCCL18",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 290.38,
"discountedAmount": 2209.62
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 months",
"paymentCode": "HDFCCL12",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 203.83,
"discountedAmount": 2296.17
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "HDFCCL03",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 65.21,
"discountedAmount": 2434.79
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 months",
"paymentCode": "HDFCCL09",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 158.83,
"discountedAmount": 2341.17
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "HDFCCL06",
"handle": null,
"discountDetail": {
"discountPercentage": 16.0,
"discount": 112.64,
"discountedAmount": 2387.36
},
"linkedOffers": []
}
]
}
]
},
"other": {
"banks": [
{
"bankCode": "BAJFIN",
"bankName": "Bajaj Finance Card Less ",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 months",
"paymentCode": "BAJFIN06",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": null,
"discountedAmount": null
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 months",
"paymentCode": "BAJFIN12",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": null,
"discountedAmount": null
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 months",
"paymentCode": "BAJFIN03",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": null,
"discountedAmount": null
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "2 months",
"paymentCode": "BAJFIN02",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": null,
"discountedAmount": null
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 months",
"paymentCode": "BAJFIN09",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": null,
"discountedAmount": null
},
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "8 months",
"paymentCode": "BAJFIN08",
"handle": null,
"discountDetail": {
"discountPercentage": null,
"discount": null,
"discountedAmount": null
},
"linkedOffers": []
}
]
}
]
}
},
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": "NO_COST_EMI",
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": false,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false,
"isLockOffer": false,
"currencyDescription": null,
"cashbackDestination": null
}
],
"skusDetail": null,
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "10.248.157.222-8081-1-777090-138-1770200042.151"
}
Instant discount;
Request;
{
"amount": "2500",
"offerKeys": ["TestInstantDiscountN@NrjyL6571jbW"]
}
Response;
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 154400,
"mid": 8406928,
"amount": 2500,
"couponsAvailable": false,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"offerKey": "TestInstantDiscountN@NrjyL6571jbW",
"type": "MERCHANT",
"title": "Test Instant Discount NON EMI",
"description": "Get Flat 10% off",
"tnc": "TnC",
"tncLink": null,
"minTxnAmount": 1000.00,
"maxTxnAmount": 10000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2026-02-04 00:00:00",
"validTo": "2026-02-05 23:59:59",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 100.00,
"discountedAmount": 2400.00,
"maxDiscount": 100.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": [
{
"networks": [],
"banks": [
{
"code": "HDFC",
"title": "Hdfc Bank"
},
{
"code": "ICICI",
"title": "ICICI"
}
],
"title": null,
"paymentCode": null,
"handle": null
}
],
"debitCard": [
{
"networks": [],
"banks": [
{
"code": "HDFC",
"title": "Hdfc Bank"
}
],
"title": null,
"paymentCode": null,
"handle": null
}
],
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": {
"debitCard": {
"banks": [
{
"bankCode": "HDFC",
"bankName": "HDFC Bank Debit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "HDFCD06",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "HDFCD12",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "HDFCD03",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "HDFCD09",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 Months",
"paymentCode": "HDFCD18",
"handle": null,
"discountDetail": null,
"linkedOffers": []
}
]
}
]
},
"creditCard": {
"banks": [
{
"bankCode": "HDFC",
"bankName": "HDFC Bank Credit Card",
"tenureOption": [
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "9 Months",
"paymentCode": "EMI9",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "24 Months",
"paymentCode": "EMI24",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "6 Months",
"paymentCode": "EMI6",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "12 Months",
"paymentCode": "EMI12",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "3 Months",
"paymentCode": "EMI",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "18 Months",
"paymentCode": "EMI18",
"handle": null,
"discountDetail": null,
"linkedOffers": []
},
{
"minDpRange": null,
"maxDpRange": null,
"isDpEmi": false,
"downPaymentUnit": null,
"title": "36 Months",
"paymentCode": "EMI36",
"handle": null,
"discountDetail": null,
"linkedOffers": []
}
]
}
]
},
"cardLess": null,
"other": null
},
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": false,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false,
"isLockOffer": false,
"currencyDescription": null,
"cashbackDestination": null
}
],
"skusDetail": null,
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "10.248.157.222-8081-1-778857-89-1770200118.972"
}
With autoApply=false
Sample request
curl --location 'https://sandbox.payu.in/offers/transactions' \
--header 'Content-Type: application/json' \
--header 'Date: {{generated_date}}' \
--header 'Digest: {{generated_digest}}' \
--header 'Authorization: {{generated_authorization}}' \
--header 'platformId: 1' \
--data '{
"amount": 500,
"autoApply": false,
"offerKeys": ["flat150Off@03q62aqtF34n", "TestOffer@fY6HdoP7da8L"]
}'Sample response
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 42693,
"mid": 180012,
"amount": 300,
"couponsAvailable": true,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"valid": true,
"offerKey": "TestOffer@fY6HdoP7da8L",
"type": "MERCHANT",
"title": "TestOffer",
"description": "offer",
"tnc": "tnc",
"tncLink": null,
"minTxnAmount": 101.00,
"maxTxnAmount": 111111.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2024-10-14 00:00:00",
"validTo": "2024-11-30 23:59:00",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 100.00,
"discountedAmount": 200.00,
"maxDiscount": 100.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": null,
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": true,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false
}
],
"skusDetail": null,
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "4c6603a3-3fed-4a13-a44d-7e59e3df11d3"
}Failure scenarios
- Merchant ID does not exists
Merchant ID does not exists
{
"code": "404",
"message": "Merchant with merchant Id :1800122 does not exists",
"status": 0,
"exceptionId": "9cf201ab-2ad3-439e-a7a6-f707d2f76e48"
}- The platform for client mismatch or does not exists
{
"code": "404",
"message": "client with clientId :4 , platformId :12 does not exists.",
"status": 0,
"exceptionId": "6985749b-9de4-4d39-9242-d19d35a82d0c"
}- Service unavailable
{
"code": "500",
"message": "Service Unavailable",
"status": 0,
"exceptionId": "65466805-5be1-4fa4-912d-d28cf620d687"
}- Invalid request
{
"code": "400",
"message": "Invalid Request",
"status": 0,
"exceptionId": "252e1602-2a9a-449a-8f17-f55fe1f0949a"
}Sample request and response for a SKU-based offer
With autoApply=true
Sample request
curl --location 'https://sandbox.payu.in/offers/transactions' \
--header 'Content-Type: application/json' \
--header 'Date: {{generated_date}}' \
--header 'Digest: {{generated_digest}}' \
--header 'Authorization: {{generated_authorization}}' \
--header 'platformId: 1' \
--data '{
"amount": 500,
"autoApply": true,
"userToken": "merchant_key:unique_user_id",
"skusDetail": [
{
"skuAmount": 300,
"quantity": 1,
"skuId": "sampleProductId",
"offerKeys": []
}
]
}'Sample response
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 42693,
"mid": 180012,
"amount": 300,
"couponsAvailable": true,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"valid": true,
"offerKey": "TestOffer@fY6HdoP7da8L",
"type": "MERCHANT",
"title": "TestOffer",
"description": "offer",
"tnc": "tnc",
"tncLink": null,
"minTxnAmount": 101.00,
"maxTxnAmount": 111111.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2024-10-14 00:00:00",
"validTo": "2024-11-30 23:59:00",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 100.00,
"discountedAmount": 200.00,
"maxDiscount": 100.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": null,
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": true,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false
}
],
"skusDetail": {
"skus": [
{
"skuId": "sampleProductId",
"skuCategory": null,
"quantity": 1,
"skuAmount": 300,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"valid": true,
"offerKey": "hellosku@rFTxczzbDmj6",
"type": "MERCHANT",
"title": "hello sku",
"description": "qwe4",
"tnc": "123e",
"tncLink": null,
"minTxnAmount": 11.00,
"maxTxnAmount": 1000000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2024-10-15 00:00:00",
"validTo": "2024-10-16 23:59:59",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 10.00,
"discountedAmount": 290.00,
"maxDiscount": 10.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": true,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": null,
"bnpl": null,
"skuDetail": {
"skuId": "sampleProductId",
"skuCategory": null,
"skuName": "sampleProductName",
"minQuantity": 1,
"maxQuantity": 5,
"minAmount": 10.00,
"maxAmount": 100000.00,
"quantity": 1,
"skuAmount": 300
},
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": true,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false
}
]
}
]
},
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "1b565184-43dc-4be3-9e61-c6f8b324f476"
}With autoApply=false
Sample request
{
"amount": 300,
"autoApply": false,
"skusDetail": [
{
"skuAmount": 300,
"quantity": 1,
"skuId": "sampleProductId",
"offerKeys": ["hellosku@rFTxczzbDmj6"]
}
]
}Sample response
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 42693,
"mid": 180012,
"amount": 300,
"couponsAvailable": true,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"valid": true,
"offerKey": "TestOffer@fY6HdoP7da8L",
"type": "MERCHANT",
"title": "TestOffer",
"description": "offer",
"tnc": "tnc",
"tncLink": null,
"minTxnAmount": 101.00,
"maxTxnAmount": 111111.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2024-10-14 00:00:00",
"validTo": "2024-11-30 23:59:00",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 100.00,
"discountedAmount": 200.00,
"maxDiscount": 100.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": null,
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": true,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false
}
],
"skusDetail": {
"skus": [
{
"skuId": "sampleProductId",
"skuCategory": null,
"quantity": 1,
"skuAmount": 300,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"valid": true,
"offerKey": "hellosku@rFTxczzbDmj6",
"type": "MERCHANT",
"title": "hello sku",
"description": "qwe4",
"tnc": "123e",
"tncLink": null,
"minTxnAmount": 11.00,
"maxTxnAmount": 1000000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2024-10-15 00:00:00",
"validTo": "2024-10-16 23:59:59",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 10.00,
"discountedAmount": 290.00,
"maxDiscount": 10.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": true,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": null,
"bnpl": null,
"skuDetail": {
"skuId": "sampleProductId",
"skuCategory": null,
"skuName": "sampleProductName",
"minQuantity": 1,
"maxQuantity": 5,
"minAmount": 10.00,
"maxAmount": 100000.00,
"quantity": 1,
"skuAmount": 300
},
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": true,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false
}
]
}
]
},
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "131b13ad-4655-437e-82cd-0db2908c379d"
}Failure scenarios
- Merchant ID does not exists
Merchant ID does not exists
{
"code": "404",
"message": "Merchant with merchant Id :1800122 does not exists",
"status": 0,
"exceptionId": "9cf201ab-2ad3-439e-a7a6-f707d2f76e48"
}- The platform for client mismatch or does not exists
{
"code": "404",
"message": "client with clientId :4 , platformId :12 does not exists.",
"status": 0,
"exceptionId": "6985749b-9de4-4d39-9242-d19d35a82d0c"
}- Service unavailable
{
"code": "500",
"message": "Service Unavailable",
"status": 0,
"exceptionId": "65466805-5be1-4fa4-912d-d28cf620d687"
}- Invalid request
{
"code": "400",
"message": "Invalid Request",
"status": 0,
"exceptionId": "252e1602-2a9a-449a-8f17-f55fe1f0949a"
}- Offer key is mandatory when autoApply=false
{
"code": "400",
"message": "Offer key is mandatory when offer is not auto applied",
"status": 0,
"exceptionId": "0e2012e76b4347f48d58808bf3c39122",
"traceId": "4baa1329-b3c5-479c-b98e-b3f2a99f0158"
}Response Parameters
The response involves the following parameters and the result parameter contains the offer results:
| Parameter | Description | Example |
|---|---|---|
code |
This parameter returns the HTTP status code based on . |
200 |
message |
|
Offer Validated Successfull |
status |
This parameter returns the status of web service call. The status can be any of the following:
|
1 |
result |
|
Refer to the result Field JSON Details subsection. |
result Parameter JSON Details
The result parameter contains the result in a JSON format and the fields in the JSON are described in the following table. The offers field in this JSON contains the offer details as described in the following table:
| Field | Description | Example |
|---|---|---|
| failureReason | String This field contains reason for offer failure. | |
| clientId | Integer This field contains reference of the merchant. | 5861 |
| mid | IntegerThis field contains the unique identifier provided by PayU to each merchant. | 1 |
| amount | Float This field contains the Offer transaction amount | 15000 |
| couponsAvailable | Boolean This field contains the flag to indicate whether the coupons are available. | true |
| isUserPersonalizedOffersAvailable | Boolean This field contains the flag to indicate whether the personalized offers available. | false |
| offers | JSON Object This field contains the list of offer with details in a JSON format. For more information, refer to the offers Field JSON Details subsection. | Refer to the offers Field JSON Details subsection. |
The sample value for the result parameter in a JSON format is similar to the following:
{
"code": "200",
"message": "Offer Retrieved Successfully",
"status": 1,
"result": {
"failureReason": null,
"clientId": 42693,
"mid": 180012,
"amount": 300,
"couponsAvailable": true,
"isUserPersonalizedOffersAvailable": false,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"valid": true,
"offerKey": "TestOffer@fY6HdoP7da8L",
"type": "MERCHANT",
"title": "TestOffer",
"description": "offer",
"tnc": "tnc",
"tncLink": null,
"minTxnAmount": 101.00,
"maxTxnAmount": 111111.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2024-10-14 00:00:00",
"validTo": "2024-11-30 23:59:00",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 100.00,
"discountedAmount": 200.00,
"maxDiscount": 100.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": false,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": null,
"bnpl": null,
"skuDetail": null,
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": true,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false
}
],
"skusDetail": {
"skus": [
{
"skuId": "sampleProductId",
"skuCategory": null,
"quantity": 1,
"skuAmount": 300,
"offers": [
{
"failureReason": null,
"stepSize": null,
"externalOfferType": null,
"recordSubType": null,
"valid": true,
"offerKey": "hellosku@rFTxczzbDmj6",
"type": "MERCHANT",
"title": "hello sku",
"description": "qwe4",
"tnc": "123e",
"tncLink": null,
"minTxnAmount": 11.00,
"maxTxnAmount": 1000000.00,
"offerType": "INSTANT",
"minRangeDiscount": null,
"maxRangeDiscount": null,
"validFrom": "2024-10-15 00:00:00",
"validTo": "2024-10-16 23:59:59",
"discountDetail": {
"discountType": "ABSOLUTE",
"discountPercentage": null,
"discount": 10.00,
"discountedAmount": 290.00,
"maxDiscount": 10.00
},
"isNoCostEmi": false,
"isSubvented": false,
"isSkuOffer": true,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"clw": null,
"upi": null,
"emi": null,
"bnpl": null,
"skuDetail": {
"skuId": "sampleProductId",
"skuCategory": null,
"skuName": "sampleProductName",
"minQuantity": 1,
"maxQuantity": 5,
"minAmount": 10.00,
"maxAmount": 100000.00,
"quantity": 1,
"skuAmount": 300
},
"isAcrossSkuQuantity": false,
"offerCategory": null,
"isBaseOffer": false,
"recordType": "OFFER",
"toDisplay": true,
"disallowTransactionInvalidOffer": false,
"isAllPaymentMethodsAvailable": true,
"isCohortOffer": false,
"isGstSubvented": false,
"isExternalOffer": false,
"issuerId": null,
"issuerName": null,
"isNudgeOnlyOffer": false,
"offerMilestone": null,
"userMilestone": null,
"userDetail": null,
"isUserVerificationRequired": false,
"isPersonalisedUniqueCoupon": false
}
]
}
]
},
"flagToFail": false,
"isSkuOffer": false,
"paymentId": null
},
"traceId": "131b13ad-4655-437e-82cd-0db2908c379d"
}offers Field JSON Details
The offers field in the result JSON contains the offer details and details for each payment mode in a JSON format as described in the following table:
| Field | Description |
|---|---|
skuAmountoptional | String The price of one/ single unit of SKU is specified in this field. |
skuIdmandatory | String The product identifier to select offer is specified in this field. |
quantityoptional | String The quantity for the product is specified in this field. |
offerKeysoptional | String The offer keys to filter at SKU-level is specified in this field. |
The changes made:
• Removed bold formatting from field names
• Removed the <br> tags
• Kept the mandatory/optional status in backticks
• Preserved all other content and structure
The sample value for offers field in a JSON is similar to the following:
"offers": [
{
"offerKey": "SummerSpecialOffer2021@q1Bh0jsogwqP",
"type": "MERCHANT",
"title": "festive_500",
"description": "festive discount",
"tnc": "abc",
"tncLink": "abcd",
"minTxnAmount": 10.00,
"maxTxnAmount": 25000.00,
"offerType": "INSTANT",
"validFrom": "2021-07-01 17:02:11",
"validTo": "2022-08-05 15:53:16",
"discountDetail": {
"discountType": "PERCENTAGE",
"discountPercentage": 10.00,
"discount": 100.00,
"discountedAmount": 14900,
"maxDiscount": 100.00
},
"isNoCostEmi": false,
"creditCard": [
{
"networks": [
{
"code": "MAST",
"title": "Master Network"
},
{
"code": "VISA",
"title": "VIsa Network"
}
],
"banks": [
{
"code": "ICICI",
"title": "ICICI debit card"
},
{
"code": "HDFC",
"title": "HDFC debit card"
}
],
"title": null,
"paymentCode": null
}
],
"debitCard": [
{
"networks": [
{
"code": "MAST",
"title": "Master Network"
}
],
"banks": [
{
"code": "HDFC",
"title": "HDFC debit card"
}
],
"title": null,
"paymentCode": null
}
],
"netBanking": [
{
"title": "axis bank",
"paymentCode": "AXIB1"
},
{
"title": "Bank of India",
"paymentCode": "BOIB"
},
{
"title": "Canara Bank",
"paymentCode": "CABB"
}
],
"wallet": [
{
"title": "freecharge",
"paymentCode": "FREC"
}
],
"upi": [
{
"title": "upi",
"paymentCode": "UPI"
}
],
"emi": {
"debitCard": {
"banks": [
{
"bankCode": "CITI",
"tenureOption": [
{
"title": "CITI Bank 3EMI",
"paymentCode": "EMI03",
"discountDetail": null
},
{
"title": "CITI Bank 6 EMI",
"paymentCode": "EMI06",
"discountDetail": null
}
]
},
{
"bankCode": "AXIS",
"tenureOption": [
{
"title": "AXIS Bank 3 EMI",
"paymentCode": "EMI3",
"discountDetail": null
}
]
}
]
},
"creditCard": {
"banks": [
{
"bankCode": "CITI",
"tenureOption": [
{
"title": "CITI Bank 9 EMI",
"paymentCode": "EMI09",
"discountDetail": null
}
]
},
{
"bankCode": "AXIS",
"tenureOption": [
{
"title": "AXIS Bank 12 EMI",
"paymentCode": "EMI12",
"discountDetail": null
}
]
}
]
}
}
},
{
"offerKey": "SummerSpecialOffer2021@oi7gMfLOobVZ",
"type": "MERCHANT",
"title": "Summer Special Offer 2021",
"description": "20% Instant discount",
"tnc": "Discount will be applied instantly after applying coupon code",
"tncLink": "www.icicibank/offer/t&c",
"minTxnAmount": 500.00,
"maxTxnAmount": 100000.00,
"offerType": "CASHBACK",
"validFrom": "2020-12-31 15:53:16",
"validTo": "2022-02-28 15:53:16",
"discountDetail": null,
"isNoCostEmi": true,
"creditCard": null,
"debitCard": null,
"netBanking": null,
"wallet": null,
"upi": null,
"emi": {
"debitCard": {
"banks": [
{
"bankCode": "CITI",
"tenureOption": [
{
"title": "CITI Bank 6 EMI",
"paymentCode": "EMI06",
"discountDetail": {
"discountPercentage": 16.0,
"discount": 835.12,
"discountedAmount": 15000
}
},
{
"title": "CITI Bank 3EMI",
"paymentCode": "EMI03",
"discountDetail": {
"discountPercentage": 15.0,
"discount": 444.33,
"discountedAmount": 15000
}
}
]
}
]
},
"creditCard": {
"banks": [
{
"bankCode": "AXIS",
"tenureOption": [
{
"title": "AXIS Bank 12 EMI",
"paymentCode": "EMI12",
"discountDetail": {
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"discount": 1420.79,
"discountedAmount": 15000
}
}
]
}
]
}
}
}
]