Net Banking Consent Transaction

This section provides the request parameters, sample request and response for a Net Banking Recurring Payment consent transaction or Consent transaction.

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Note:

During integration with PayU, first integrate with the Test Server environment. PayU will provide you the necessary Merchant Key for the test serve. After testing is done, you are ready to move to the Production server.

HTTP Method: POST

Environment

Request parameters

beneficiarydetail fields description

Sample request

If the merchant sends any other special characters, then they will be automatically removed. The address parameter will consider only the first 100 characters.

When the transaction POST REQUEST hits the PayU server, a new transaction entry is created in the PayU Database. A unique identifier is created in the PayU database to identify each new transaction. This identifier is known as the PayU ID (or mihpayid).

The Net Banking recurring payment registration is also known as e-Mandate. The request for Net Banking involves the following extra parameters posted compared to Cards or UPI:

• billingCycle
• billingInterval
• paymentStartDate
• paymentEndDate
• billingAmount
• beneficiaryName
• beneficiaryAccountNumber
• beneficiaryAccountType
• ifscCode
• verificationMode (optional)

Sample request with Debit Card as Verification mode

The sample code block for Net Banking Seamless integration (Merchant-Hosted Checkout) with the verificationMode field of the beneficiaryDetail JSON parameter with the values as DEBIT_CARD is similar to the following:

curl -X \
 POST "https://test.payu.in/_payment
-H \
 "accept: application/json" -H \
 "Content-Type: application/x-www-form-urlencoded" -d
"key=JP***g&txnid=oRWSUMU4XSQBZn&amount=0.0&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&si=1&pg=ENACH&bankcode=ICICENCC&surl=https://apiplayground-response.herokuapp.com/&furl=&api_version=7&beneficiarydetail={“beneficiaryName”: “Ashish Kumar”,”beneficiaryAccountNumber”: “1211450021”,”beneficiaryAccountType”: “SAVINGS”, “beneficiaryIfscCode“:”ICIC0000046”, “verificationMode”:”DEBIT_CARD”} Kumar&hash=dbe874c46dcd68ae8c6dd14d04e213f4dff1f2f89106653f61df3e8cee900df33d976e737a82291dfbea3d54d3c67c403d7371c387a1e9652e27ec682d3dce21"

Sample request with Aadhaar as Verification mode

The sample code block for Net Banking Seamless integration (Merchant-Hosted Checkout) with the verificationMode field of the beneficiaryDetail JSON parameter with the values as Aadhaar is similar to the following:

curl -X \ 
POST "https://test.payu.in/_payment 
 -H \
"accept: application/json" -H \
"Content-Type: application/x-www-form-urlencoded" -d
"key=JP***g&txnid=oRWSUMU4XSQBZn&amount=0.0&firstname=Ashish&[email protected]&phone=9876543210&productinfo=iPhone&si=1&pg=ENACH&bankcode=ICICENCC&surl=
https://apiplayground-response.herokuapp.com/&furl=&api_version=7&beneficiarydetail={“beneficiaryName”:
“Ashish Kumar”,”beneficiaryAccountNumber”: “1211450021”,”beneficiaryAccountType”: “SAVINGS”, “beneficiaryIfscCode“:”ICIC0000046”, “verificationMode”:”AADHAAR”} Kumar&hash=dbe874c46dcd68ae8c6dd14d04e213f4dff1f2f89106653f61df3e8cee900df33d976e737a82291dfbea3d54d3c67c403d7371c387a1e9652e27ec682d3dce21"

Sample response

For Net Banking, you must ensure that the payment response from PayU has the expected values as described in the following table so that Net Banking registration is successful or initiated successfully with the customer’s bank.

The response URL returned from PayU is in the form URL format (application/x-www-form-urlencoded).

Parsed response

Array
(
    [mihpayid] => 403993715525331373
    [mode] => ENACH
    [status] => success
    [unmappedstatus] => captured
    [key] => JPM7Fg
    [txnid] => oRWSUMU4XSQBZn
    [amount] => 0.00
    [discount] => 0.00
    [net_amount_debit] => 0
    [addedon] => 2022-02-03 19:06:55
    [productinfo] => iPhone
    [firstname] => Ashish
    [lastname] => 
    [address1] => 
    [address2] => 
    [city] => 
    [state] => 
    [country] => 
    [zipcode] => 
    [email] => [email protected]
    [phone] => 9876543210
    [udf1] => 
    [udf2] => 
    [udf3] => 
    [udf4] => 
    [udf5] => 
    [udf6] => 
    [udf7] => 
    [udf8] => 
    [udf9] => 
    [udf10] => 
    [hash] => f3f8e4088231b190930fc4b87d3f39397d1a1d02622ef4683a983244e1cd5158f39adbb67c3d87dcb4da25ae4a941ebbf55918e4575fa1c39677a774d02c0d2d
    [field1] => ENACH285259747472911093
    [field2] => 337026657857179355
    [field3] => 
    [field4] => 
    [field5] => 
    [field6] => 
    [field7] => 
    [field8] => 
    [field9] => Mandate successfully scheduled at bank end: Your payment is scheduled successfully
    [payment_source] => sist
    [PG_TYPE] => ENACH-PG
    [bank_ref_num] => 450699821592111537
    [bankcode] => ICICENCC
    [error] => E000
    [error_Message] => No Error
)

Webhook for Getting Transaction Details

You can expose a webhook by requesting the PayU Integration team to configure the same against the ws_online_response parameter. If this webhook is configured, you will receive the above response object over HTTP form post method similar to the following:

unmappedstatus=success&phone=9999999999&txnid=FCDA1R100870163781&hash=84e335094bbcb2ddaa0f9a488eb338e143b273765d89c9dfa502402562d0b6f3c7935e28194ca92f380be7c84c3695415b106dcf52cb016a15fcf6adc98d724&status=success&curl=https://www.abc.in/payment/handlepayuresposne&firstname=NA&card_no=519619XXXXXX5049&furl=https://www.abc.in/payment/handlepayuresposne&productinfo=2&mode=DC&amount=800.00&field4=6807112311042810&field3=6807112311042810&field2=838264&field9=SUCCESS&email=NA&mihpayid=175477248&surl=https://www.ABC.in/payment/handlepayuresposne&card_hash=9e88cb0573d4a826b61d808c0a870ed4a990682459b0ec9e95ea421e8e47be8c&field1=42812&payment_source=sist

If the mandate is not confirmed by the customer or the mandate is confirmed by the customer, but the mandate registration is rejected from the banks, the status is communicated as a “failure” over webhook. For more information, refer to Webhooks.