Register Customer API

The Register Customer API allows you to register a new customer and facilitates the creation of a digital wallet. This API performs onboarding checks when opted by the issuer.

Environment

Environment	URL
Test	`https://apitest.payu.in/loyalty-points/v1/wallet/enroll`
Production	`http://api.payu.in/loyalty- points/v1/wallet/enroll`

HTTP Method: POST

Authentication

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`	A unique API code to identify the API request for registering customers. You must post only `3510` for this API. Data type: `Numeric(4)`	3510
clientTxnId `mandatory`	The unique transaction ID generated by the calling application for every transaction. This ID must be unique across all API requests. Data type: `AlphaNumeric(100)`	20150701235959xhstiesqfds
requestDateTime `mandatory`	Local date and time when the transaction originated from the calling application in YYYYMMDDHHMMSS format (24-hour format). Data type: `Numeric(14)`	20161031214559
customerId `optional`	A unique customer ID provided by the calling application. If omitted, the platform will auto-generate a unique value for this field. Data type: `String(50)`	89342546
customerDetails.firstName `mandatory`	Customer's first name. Validation rules: Start and end with valid characters, contain only uppercase letters (A-Z), lowercase letters (a-z), periods (.), spaces ( ), no special symbols or numbers allowed, maximum length: 50 characters. Data type: `String(50)`	Sourav
customerDetails.middleName `optional`	Customer's middle name. Validation rules: Start and end with valid characters, contain only uppercase letters (A-Z), lowercase letters (a-z), periods (.), spaces ( ), no special symbols or numbers allowed, maximum length: 50 characters. Data type: `String(50)`	Kumar
customerDetails.lastName `optional`	Customer's last name. Validation rules: Start and end with valid characters, contain only uppercase letters (A-Z), lowercase letters (a-z), periods (.), spaces ( ), no special symbols or numbers allowed, maximum length: 50 characters. Data type: `String(50)`	Mishra
customerDetails.gender `optional`	Customer's gender. Allowed values: M (Male), F (Female), O (Other). Data type: `String(1)`	M
customerDetails.dateOfBirth `mandatory`	Customer's date of birth in DD-MM-YYYY format. Data type: `String(10)`	11-07-1993
customerDetails.mobileNumber `mandatory`	Mobile number that must be unique and start with ISD country code followed by a valid mobile number. Limited to 15 numeric characters. Data type: `Numeric(15)`	919988776655
customerDetails.emailAddress `optional`	Customer's valid email address following standard email format. Maximum length: 50 characters. Data type: `String(50)`	[email protected]
kycProfile `mandatory`	Type of KYC to be passed if KYC is performed by the calling application. Only the value, 30 is allowed. Data type: `Numeric(3)`	30
riskCategory `mandatory`	Risk assessment of the customer. This values must be posted as Low. Data type: `String(20)`	Low
productId `mandatory`	Unique product or program ID where the customer will be enrolled. This will be provided by PayU. Data type: `Numeric(5)`	121
formFactorRequired `mandatory`	Whether to create the form factor. Indicates if a form factor is required. Only the value `false` is allowed. Data type: `Boolean`	false

Response Parameters

Parameter	Description	Example
responseCode	Response status code	00
messageCode	API response code	3511
clientTxnId	Mirrors the request's clientTxnId	20150701235959xhstiesqfds
formfactor.accountNumber	Generated account number for form factors	72623345
formfactor.uniqueNumber	Unique number generated for form factors	8543213624292443
formfactor.urn	Proxy reference number generated for the unique number	70000000008
responseMessage	Response message	CUSTOMER REGISTERED SUCCESSFULLY

Sample Request

curl --location --request POST 'https://apitest.payu.in/loyalty-points/v1/wallet/enroll' \
--header 'walletIdentifier: CLW' \
--header 'date: Wed, 12 Jun 2024 08:53:43 GMT' \
--header 'authorization: hmac username="smsplus", algorithm="sha512", headers="date", signature="hmac_generated_signature"' \
--header 'Content-Type: application/json' \
--data-raw '{
  "messageCode": 3510,
  "clientTxnId": "txn12345",
  "requestDateTime": "20230810123015",
  "customerDetails": {
    "firstName": "Alice",
    "lastName": "Smith",
    "dateOfBirth": "12-12-2000",
    "mobileNumber": "917001122334"
  },
  "kycProfile": 150,
  "riskCategory": "Low",
  "productId": 35,
  "formFactorRequired": true
}'

Sample Response

{
  "responseCode": "00",
  "messageCode": 3511,
  "clientTxnId": "testRegistration8",
  "clientId": "7310",
  "responseDateTime": "20240521140830",
  "accosaTransactionId": 404,
  "responseMessage": "CUSTOMER REGISTERED SUCCESSFULLY",
  "bankId": 6060,
  "accosaRefNo": "146",
  "formFactor": {
    "uniqueNumber": "8543213624292443",
    "urn": 1000019,
    "securityCode": "FZ7jUrSXmu7siejprnMCzsL1ZYXqF2sZI0yHMcgRGzI=",
    "uniqueNumberExpiry": "0529",
    "accountDetails": [
      {
        "accountNumber": "606000003005780",
        "accountNumberExpiry": "0525"
      }
    ]
  }
}

HTTP Status Codes

Status Code	Status Description
200	OK
201	Created
404	Not Found
500	Internal Server Error
403	Forbidden
400	Bad Request
401	Unauthorized
503	Service Unavailable

Environment

Authentication

hmac authentication logic

Request Parameters

Response Parameters

Sample Request

Sample Response

HTTP Status Codes

EXAMPLE QUESTIONS