Get User Cards API

The Get User Cards API is used to fetch all the cards corresponding to the user. In this API, the card number and other sensitive information are not returned.

HTTP Method: POST

Sample request

  curl --request POST \
       --url 'https://test.payu.in/merchant/postservice.php?form=2' \
       --header 'Content-Type: application/x-www-form-urlencoded' \
       --header 'accept: text/html; charset=UTF-8' \
       --data key=JPM7Fg \
       --data command=get_payment_instrument \
       --data var1=JPM7Fg:abc \
       --data hash=750351ed44241b9739d2e374de45dd0be3c2f6d68305ceb81084960387b71722b0f8d224900f57202488a557ecfa6f2e22895f27585a413388684a142bb8e41e

Sample response

  {
    "status": 1,
    "msg": "Cards fetched Succesfully",
    "user_cards": {
      "a52aa1c09e11ac56926005": {
        "one_click_status": "",
        "one_click_flow": "",
        "card_type": "CC",
        "expiry_year": "2030",
        "network_token": {
          "token_bin": "439040",
          "is_expired": "0",
          "token_exp_yr": "2030",
          "token_exp_mon": "11",
          "token_value": "4390406210204342"
        },
        "expiry_month": "11",
        "is_expired": "0",
        "card_mode": "CC",
        "card_no": "XXXXXXXXXXXX6937",
        "one_click_card_alias": "",
        "card_token": "a52aa1c09e11ac56926005",
        "card_name": "raghu_visa",
        "name_on_card": "DUMMY",
        "card_brand": "VISA",
        "card_bin": "439040621",
        "isDomestic": "Y",
        "card_cvv": 0,
        "PAR": "V0010013022320257414953977387"
      }
    }
  }

Response parameters

Field	Description	Example
status	The status of the response. Can be: • 1: Success • 0: Failure	1
msg	The description of the response indicating whether cards were fetched successfully or not.	Cards fetched Succesfully
user_cards	A JSON object containing all saved cards for the user. Each card is identified by its unique card token as the key. For more details, refer to Card JSON object field description	Refer to Card JSON object field description

Card JSON object field description

Field	Description	Example
one_click_status	Status for one-click payment feature.	""
one_click_flow	Flow type for one-click payment processing.	""
card_type	The type of the card. Can be: • CC: Credit Card • DC: Debit Card	CC
expiry_year	The expiry year of the card.	2030
expiry_month	The expiry month of the card.	11
is_expired	Indicates whether the card has expired: • 0: Card is active • 1: Card has expired	0
card_mode	The payment mode of the card (CC for Credit Card, DC for Debit Card).	CC
card_no	The masked card number showing only the last four digits for security.	XXXXXXXXXXXX6937
one_click_card_alias	Alias name for the card used in one-click payments.	""
card_token	The unique PayU token assigned to this saved card.	a52aa1c09e11ac56926005
card_name	The name/label assigned to the saved card by the user.	raghu_visa
name_on_card	The cardholder's name as it appears on the card.	DUMMY
card_brand	The brand/network of the card (VISA, MASTERCARD, AMEX, etc.).	VISA
card_bin	The Bank Identification Number (first 6-9 digits) of the card.	439040621
isDomestic	Indicates whether the card is domestic or international: • Y: Domestic card • N: International card	Y
card_cvv	Indicates whether CVV is required for transactions: • 0: CVV not required • 1: CVV required	0
PAR	Payment Account Reference - a unique identifier for the card across all tokens, used for offers and risk checks.	V0010013022320257414953977387
network_token	A JSON object containing network token details for secure payments. For more information, refer to Network token JSON object field description	Refer to Network token JSON object field description

Network token JSON object fields description

Field	Description	Example
token_bin	The Bank Identification Number for the network token.	439040
is_expired	Indicates whether the network token has expired: • 0: Token is active • 1: Token has expired	0
token_exp_yr	The expiry year of the network token.	2030
token_exp_mon	The expiry month of the network token.	11
token_value	The actual network token value used for secure transactions.	4390406210204342

Request parameters

Reference info for request parameters