Retrieve Customer Record API

The Retrieve Customer Record API allows you to fetch customer details using various identifiers such as customerId, mobileNumber or urn.

Environment

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

HTTP Method: POST

Request Headers

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)` - API Code to uniquely identity 'Register Customer' API. Only the value `1930` for this API	`1930`
clientTxnId `mandatory`	`AlphaNumeric (100)` - Unique Id generated by the calling application for each transaction. This ID should always unique in all API Requests.	`20150701235959xhstiesqfds`
requestDateTime `mandatory`	`Numeric (14)` - Local Date and time stamp when the transaction originated from the calling application in YYYYMMDDHHMMSS	`20161031214559`
customerMobile `optional`	`Numeric (15)` - This is customer mobile number including country code	`916789123456`
customerId `optional`	`String (20)` - Customer Id, which uniquely identifies the walletholder in the client system	`0011001188721`
emailId `optional`	`String(50)` - Email Address of the Customer.	`[email protected]`
urn `optional`	`Numeric(11)` - A unique reference number for the generated wallet.	`70000000008`

📘
Note: At least one of customerMobile, customerId, or urn must be provided.

Sample Request

curl --location 'https://apitest.payu.in/loyalty-points/v1/wallet/retrieveCustRecord' \
--header 'walletIdentifier: CLW' \
--header 'authorization: hmac username="Merchant_Key", algorithm="hmac-sha256", headers="date digest", signature="9h+PZ/ocY2ovWEF8ehvbNF9VDuz/wCIToMtO75oVE3Y="' \
--header 'date: Thu, 15 Oct 2026 11:10:44 GMT' \
--header 'Content-Type: application/json' \
--header 'Cookie: PHPSESSID=s4uujktf7gm484pt7uk7bdhv55; USERTXNINFO=6a4ce9368d6b52.40212033' \
--header 'Digest: p8V80K7BOrKq2L9pEtU+TuxW8gF7DPJdYniMqXFkcCY=' \
--data '{
"messageCode":1930,
"clientTxnId": "Test_93009874",
"requestDateTime": "20260901184938",
"customerMobile": "918954957892"
}'

Response Parameters

Parameter	Description	Example
`customerId`	Unique identifier for the customer.	000000330412
`responseCode`	Response status code.	00
`messageCode`	API response code.	1931
`clientTxnId`	Mirrors the request's clientTxnId.	Test_93009874
`clientId`	Client identifier assigned by PayU.	3000
`responseDateTime`	Timestamp of the response in YYYYMMDDHHmmss format.	20261015164044
`accosaTransactionId`	Internal transaction ID generated by Accosa.	693965
`responseMessage`	Response message.	SUCCESS
`bankId`	Identifier of the bank associated with the wallet.	6050
`profileId`	Profile identifier of the customer.	30
`mobile`	Customer mobile number.	9189549578920
`firstName`	Customer first name.	Shubham
`lastName`	Customer last name.	Tyagi
`dob`	Date of birth of the customer.
`kycName`	KYC type of the customer.	MIN KYC
`riskCategory`	Risk classification of the customer.	LOW_RISK
`riskScore`	Numerical risk score of the customer.	12
`rekyc`	Indicates if re-KYC is required.	false
`dormancy`	Indicates if the account is dormant.	false
`rekycValidity`	Validity date for re-KYC.	13-10-2036
`form60`	Indicates if Form 60 has been submitted.	false
`panValid`	Indicates if the PAN is valid.	false
`cardList`	List of cards linked to the customer. Refer to the cardList Object	Array
`enableVideoKyc`	Indicates if video KYC is enabled for the customer.	false
`kycType`	KYC completion type of the customer.	MIN_COMPLETED

cardList JSON Object

Parameter	Description	Example
`cardNumber`	Masked card number.	100004 XXXXXX 2603
`lastFourDigit`	Last four digits of the card.	2603
`entityName`	Name of the entity associated with the card.	PAYU
`cardType`	Type of the card.	TRAVEL CARD
`profileId`	Profile ID associated with the card.	0
`cardStatus`	Status code of the card.	0
`availableBalance`	Available balance on the card.	0
`createdOn`	Date the card was created.	13-Oct-2026
`updatedOn`	Date the card was last updated.	13-Oct-2026
`urn`	Unique reference number for the card.	1009650
`statusDescription`	Human-readable status of the card.	Active
`transactionProfiles`	List of transaction profiles linked to the card. Refer to transactionProfiles Object.	Array
`subwalletListDetails`	List of sub-wallets linked to the card. Refer to the subwalletListDetails Object table below.	Array
`uniqueNumberValidity`	Validity period of the card's unique number (MMYY).	1031
`cardLinked`	Indicates if the card is linked.	false

transactionProfiles JSON Object

Parameter	Description	Example
`transactionProfileId`	Unique identifier for the transaction profile.	1
`status`	Indicates if the transaction profile is active.	false
`transactionType`	Type of transaction. Possible values: `e-Com`, `POS`, `ATM`, `NFC_CARD_BASED`.	e-Com
`transactionRegionName`	Region applicable for the transaction. Possible values: `DOMESTIC`, `INTERNATIONAL`.	DOMESTIC

subwalletListDetails JSON Object

Parameter	Description	Example
`subwallet_id`	Unique identifier for the sub-wallet.	3005cabc37e_1
`default_wallet`	Indicates if this is the default wallet. `1` = Yes.	1
`available_balance`	Available balance in the sub-wallet.	0
`account_number`	Account number of the sub-wallet.	605030003190294
`account_status`	Status code of the sub-wallet account.	0
`subwallet_name`	Name of the sub-wallet.	General
`accountValidity`	Validity date of the sub-wallet account.	13-10-2027

Sample Response

{
    "customerId": "000000330412",
    "responseCode": "00",
    "messageCode": 1931,
    "clientTxnId": "Test_93009874",
    "clientId": "3000",
    "responseDateTime": "20261015164044",
    "accosaTransactionId": 693965,
    "responseMessage": "SUCCESS",
    "bankId": 6050,
    "profileId": 30,
    "mobile": "9189549578920",
    "firstName": "Shubham",
    "lastName": "Tyagi",
    "dob": "",
    "kycName": "MIN KYC",
    "riskCategory": "LOW_RISK",
    "riskScore": 12,
    "rekyc": false,
    "dormancy": false,
    "rekycValidity": "13-10-2036",
    "form60": false,
    "panValid": false,
    "cardList": [
        {
            "cardNumber": "100004 XXXXXX 2603",
            "lastFourDigit": "2603",
            "entityName": "PAYU",
            "cardType": "TRAVEL CARD",
            "profileId": 0,
            "cardStatus": 0,
            "availableBalance": 0,
            "createdOn": "13-Oct-2026",
            "updatedOn": "13-Oct-2026",
            "urn": 1009650,
            "statusDescription": "Active",
            "transactionProfiles": [
                {
                    "transactionProfileId": 1,
                    "status": false,
                    "transactionType": "e-Com",
                    "transactionRegionName": "DOMESTIC"
                },
                {
                    "transactionProfileId": 2,
                    "status": false,
                    "transactionType": "POS",
                    "transactionRegionName": "DOMESTIC"
                },
                {
                    "transactionProfileId": 3,
                    "status": false,
                    "transactionType": "ATM",
                    "transactionRegionName": "DOMESTIC"
                },
                {
                    "transactionProfileId": 4,
                    "status": false,
                    "transactionType": "NFC_CARD_BASED",
                    "transactionRegionName": "DOMESTIC"
                },
                {
                    "transactionProfileId": 5,
                    "status": false,
                    "transactionType": "e-Com",
                    "transactionRegionName": "INTERNATIONAL"
                },
                {
                    "transactionProfileId": 6,
                    "status": false,
                    "transactionType": "POS",
                    "transactionRegionName": "INTERNATIONAL"
                },
                {
                    "transactionProfileId": 7,
                    "status": false,
                    "transactionType": "ATM",
                    "transactionRegionName": "INTERNATIONAL"
                },
                {
                    "transactionProfileId": 8,
                    "status": false,
                    "transactionType": "NFC_CARD_BASED",
                    "transactionRegionName": "INTERNATIONAL"
                }
            ],
            "subwalletListDetails": [
                {
                    "subwallet_id": "3005cabc37e_1",
                    "default_wallet": 1,
                    "available_balance": "0",
                    "account_number": "605030003190294",
                    "account_status": "0",
                    "subwallet_name": "General",
                    "accountValidity": "13-10-2027"
                }
            ],
            "uniqueNumberValidity": "1031",
            "cardLinked": false
        }
    ],
    "enableVideoKyc": false,
    "kycType": "MIN_COMPLETED"
}

Environment

Request Headers

hmac authentication logic

Request Parameters

Sample Request

Response Parameters

cardList JSON Object

transactionProfiles JSON Object

subwalletListDetails JSON Object

Sample Response

EXAMPLE QUESTIONS