Load API

The Load API allows you to credit money directly into a customer's wallet without involving Payment Gateway (PG) transactions. This API enables merchants to load funds directly into wallets with specific parameters.

HTTP Method: PATCH

Endpoint: `

Environment	Endpoint
Test	https://apitest.payu.in/loyalty-points/v1/wallet/load-account
Production	https://api.payu.in/loyalty-points/v1/wallet/load-account

Request Header

This API uses HMAC-SHA512 authentication on the header.

Parameter	Description
walletIdentifier mandatory	`String` Program Type (e.g., CLW)
date mandatory	`String` GMT formatted date (e.g., Thu, 17 Feb 2022 08:17:59 GMT)
Authorization mandatory	`String` HMAC-SHA512-based authentication token
Content-Type mandatory	`String` application/json

↩️
If you do not post the authentication, you will get error in response. For the list of error codes, refer to Status Codes

hmac authentication logic

hmac username="smsplus", algorithm="sha512", headers="date", signature="7ff938849aa79265a3de63fe241dfecb1c680f58c6d11e9f9ca08512afea374705eb9f8995ef6c4584e16eca2e1dc688262bb0937a36cc0f75ec22a9eea33523"

Where, the fields in this example are:

username: The merchant key of the merchant.
algorithm: This must have the value as hmac-sha512 that is used for this API.
headers: This must have the value as date digest.
signature: This must contain the hmacsha512 of (signing_string, merchant_secret), where:
signing_string: It must be in the "date: {dateValue}"format. Here, the dateValue is the same values in the fields listed in this table For example, "date: Thu, 17 Feb 2022 08:17:59 GMT"
merchant_secret: The merchant Salt of the merchant. For more information on getting the merchant Salt, refer to Generate Merchant Key and Salt.

Request Parameters

Parameter	Description	Example
messageCode `mandatory`	`Numeric(4)` Unique code to identify the Load API request type. You must post only `1080` for this API	1080
clientTxnId `mandatory`	`String(100)` Unique ID generated by the client application for this transaction	20150701235959xhstiesqfds
requestDateTime `mandatory`	`Numeric(14)` Local timestamp when the transaction originated (YYYYMMDDHHMMSS format)	20161031214559
customerMobile `conditional`	`Numeric(13)` Mobile number with ISD code of the wallet holder. Mandatory if customerId or urn is absent	919988776655
customerId `conditional`	`String(20)` Unique identifier for the customer. Mandatory if customerMobile or urn is absent	0011001188721
urn `conditional`	`Numeric(11)` Unique wallet reference number. Mandatory if customerMobile or customerId is absent	70000000008
transactionAmount `mandatory`	`Numeric(12)` Amount to be loaded onto the wallet in implied decimals (₹5.25 → 525)	525
sender `mandatory`	`String(100)` Name of the sender (wallet, account holder, or organization)	Amazon
loadCurrency `mandatory`	`String(500)` Currency for the transaction	INR
fundFlowType `mandatory`	`String(20)` Type of fund flow: O, I, IO, OR, IR, IOR	I
implId `mandatory`	`String(100)` Implementation ID based on the program. For more information, refer to [IMPL Mapping](#impl-mapping).	I\|70020
implType `mandatory`	`String(100)` Implementation type based on the use case (refer to Impl Mapping List)	P2M_W2A_O
sourceType `optional`	`Numeric(2)` Source of funding: Wallet (0) / Account (1)	0
fee `optional`	`Numeric(10)` Fee collected for the transaction in implied decimals	100
originalClientTxnId `conditional`	`String(500)` Original transaction ID (used in case of refunds)	20150701235959xhstiesqfds
refundFileId `optional`	`String(500)` Information on refund-related files

IMPL Mapping

Key	Value
fund.flow.type	I
impl.id	I\|70190
impl.type	PG_TU_I

Sample Request

curl --location --request PATCH 'https://apitest.payu.in/loyalty-points/v1/wallet/load-account' \
--header 'walletIdentifier: CLW' \
--header 'authorization: hmac username="smsplus", algorithm="sha512", headers="date", signature="example_signature"' \
--header 'date: Wed, 12 Jun 2024 08:53:43 GMT' \
--header 'Content-Type: application/json' \
--data-raw '{
   "messageCode": "1080",
   "clientTxnId": "Reload_V3_IZKwhPNm0559",
   "requestDateTime": "20240212034654",
   "customerMobile": "9199998035345",
   "transactionAmount": 1500,
   "sender": "AMAZON",
   "loadCurrency": "INR",
   "sourceType": 0,
   "sourceAccount": "27389282",
   "implId": "I|70190",
   "implType": "PG_TU_I",
   "fundFlowType": "I"
}'

Response Parameters

Parameter	Description	Example
messageCode `mandatory`	`Numeric(4)` Code to identify Load API Response	1081
clientTxnId `mandatory`	`String(100)` Unique ID passed in the request, echoed in the response	20150701235959xhstiesqfds
responseCode `mandatory`	`String` Status code of the operation	00
responseMessage `mandatory`	`String` Text description of the API call result	SUCCESS
responseDateTime `mandatory`	`String` Response timestamp	20240522114126
urn `conditional`	`Numeric(11)` Unique reference number (wallet creation)	70000000008
accosaRefNo `mandatory`	`Numeric(20)` Auto-generated transaction-specific reference number	123212
accosaTransactionId `mandatory`	`Numeric(10)` Unique ID for a particular transaction	3591893
availableBalance `optional`	`Numeric` The updated wallet balance after the transaction	1500
availableCashLimit `optional`	`Numeric` Available cash limit in the wallet	0
transactionAmount `optional`	`Numeric` Amount that was loaded in the transaction	1500

Sample Response

{
  "urn": 1000019,
  "responseCode": "00",
  "messageCode": 1081,
  "clientTxnId": "Reload_V3_IZKwhPNm0559",
  "responseDateTime": "20240522114126",
  "accosaTransactionId": 424,
  "responseMessage": "SUCCESS",
  "accosaRefNo": "151",
  "availableBalance": 1500,
  "availableCashLimit": 0,
  "transactionAmount": 1500
}

API Response Codes

Error Code	Description
00	SUCCESS
1009	CARD_CANCELLED_CLOSED_EXPIRED
1010	CARD_TEMPORARY_BLOCK
1012	CARD_PENDING_CANCELLATION
1013	AML MIN LIMIT
1030	INVALID_MESSAGE
1045	UNABLE_TO_PROCESS_REQUEST
1054	DUPLICATE REQUEST
1056	INVALID MESSAGE CODE
1058	INVALID_WALLETS
1088	INVALID REQUEST DATE format
1093	INVALID CLIENT TXN ID
1101	UNKNOWN_SOURCE_ACCOUNT_TYPE
1121	CARD_CREDIT_DEBIT_BLOCK
1135	REFUND_AMOUNT_GREATER_THAN_ORIGINAL_TXN_AMOUNT
1138	CURRENCY NOT MATCHING WITH CARD CURRENCY
1246	ORIGINAL_TXN_NOT_EXIST
1247	SOURCE_ACC_TYPE_NOT_MACHED_WITH_IMPL
1303	CUSTOMER DETAILS NOT PRESENT
1304	MORE THAN ONE CUSTOMER IDENTIFIER NOT ALLOWED
1322	TRANSACTION AMOUNT CANNOT BE ZERO
1325	FUND FLOW TYPE MISMATCH
1326	IMPL ID MISMATCH
1357	WALLET DETAILS NOT FOUND
1353	COOLING OFF PERIOD BETWEEN TWO LOADS NOT COMPLETED
1354	CORPORATE_LEVEL_LIMIT_EXCEEDED
1359	INVALID LOAD AMOUNT
1366	PROGRAM IS INACTIVE
1367	PROGRAM NOT FOUND
1368	WALLET OR ACCOUNTNO SHOULD BE PRESENT
1398	ACCOUNTNO SHOULD BE PRESENT
1501	SYSTEM_ERROR_DB
1504	SYSTEM_CACHE_FAILURE
6000	ACCOUNT DORMANT
6002	ACCOUNT PERMANENTLY BLOCKED OR CLOSED
6014	ACCOUNT IN TEMPORARILY BLOCKED STATE
6016	ACCOUNT IN CREDIT BLOCKED STATE
6017	ACCOUNT ALREADY IN CREDIT_DEBIT BLOCKED STATE
10153	AMOUNT IS NOT WITHIN MIN-MAX RANGE
10163	PROGRAM DAILY LIMIT EXCEEDED
1392	FUND FLOW TYPE NOT PRESENT IN THE REQUEST
6909	SENDER CUSTOMER NOT FOUND
10044	SENDER INFO INVALID LENGTH
1319	SOURCE_ACCOUNT_INVALID_LENGTH
1103	INVALID_TRANSACTION_AMOUNT