UPI Consent Transaction

Use the _payment API to initiate a UPI Consent Transaction (SI mandate registration) for recurring UPI payments in cross-border payment scenarios. This API supports both UPI Collect and UPI Intent flows.

API Endpoint

Environment	URL
Production	`https://info.payu.in/_payment`
Test	`https://test.payu.in/_payment`

HTTP Method: POST

Content-Type: application/x-www-form-urlencoded

Request Parameters

Parameter	Description	Example
key `mandatory`	`String` The merchant key is a unique identifier for a merchant account in PayU's database.	JPM7Fg
txnid `mandatory`	`String` The transaction ID is a reference number for a specific order generated by the merchant. Must be unique.	upiConsentTxn12345
amount `mandatory`	`String` The payment amount for the transaction. Auto-debit limit is Rs.15,000 (Rs.1,00,000 for insurance/credit card bills).	10.00
productinfo `mandatory`	`String` A brief description of the product. Character Limit: 100	Monthly Subscription
firstname `mandatory`	`String` The first name of the customer. Character Limit: 60	Ashish
lastname `mandatory`	`String` The last name of the customer. Character Limit: 60	Kumar
email `mandatory`	`String` The email address of the customer. Character Limit: 50	[email protected]
phone `mandatory`	`String` The phone number of the customer.	9876543210
surl `mandatory`	`String` The Success URL - page PayU will redirect to if the transaction is successful.	https://example.com/success
furl `mandatory`	`String` The Failure URL - page PayU will redirect to if the transaction fails.	https://example.com/failure
hash `mandatory`	`String` Hash calculated for transaction security. Formula: `SHA512(key\|txnid\|amount\|productinfo\|firstname\|email\|udf1\|udf2\|udf3\|udf4\|udf5\|\|\|\|\|\|si_details\|SALT)`	`<generated_hash>`
pg `mandatory`	`String` Payment gateway type. Must be `UPI` for UPI transactions.	UPI
bankcode `mandatory`	`String` Bank code for the payment option. Use `UPI` for Collect flow, `INTENT` for Intent flow.	UPI
vpa `conditional`	`String` Customer's VPA handle. Mandatory for UPI Collect flow.	customer@upi
si `mandatory`	`String` Signifies successful consent taken from the user. Must be `1` for subscription setup.	1
si_details `mandatory`	`JSON String` JSON object containing mandate details (billingAmount, billingCurrency, billingCycle, etc.). Refer to si_details Object below.	See si_details Object
api_version `mandatory`	`String` The API version. Must be `7` for SI transactions.	7
txn_s2s_flow `conditional`	`Integer` Parameter to enable S2S flow. Must be `4` for Legacy Decoupled flow (UPI Intent).	4
s2s_client_ip `conditional`	`String` Source IP of the customer. Required for UPI Intent flow.	10.200.12.12
s2s_device_info `conditional`	`String` Customer agent's device information. Required for UPI Intent flow.	Mozilla/5.0 (Windows NT 10.0; Win64; x64)
address1 `mandatory`	`String` First line of billing address. Character Limit: 100. This is helpful for fraud detection and chargebacks.	34 Saikripa-Estate, Tilak Nagar
address2 `mandatory`	`String` Second line of billing address. Character Limit: 100	Khardilkar Road
city `mandatory`	`String` The city where your customer resides as part of the billing address.	Mumbai
state `mandatory`	`String` The state where your customer resides as part of the billing address.	Maharashtra
country `mandatory`	`String` The country where your customer resides.	India
zipcode `mandatory`	`String` Billing address zip code. Character Limit: 20	400004
udf1 `conditional`	`String` Buyer's PAN and date of birth in the following format (separated by two pipe characters): `Buyer's PAN\|\|Buyer's DOB`. DOB format: `DD/MM/YYYY`	AAAPZ1234C\|\|22/08/1972
udf3 `conditional`	`String` Invoice ID and merchant name in the following format (separated by two pipe characters): `InvoiceID\|\|MerchantName`. MerchantName is required for PA2PA integrations only.	INV-123_1231\|\|MerchantName
udf4 `conditional`	`String` MerchantName passed in udf3 for PA2PA integration. For UPI mandate consent and recurring transactions, this parameter should NOT be passed.	MerchantName
udf5 `mandatory`	`String` The invoice ID or invoice number must be collected using this field.	INV123456
free_trial `optional`	`String` Set to `1` for free trial use cases. PayU adjusts the transaction amount as INR 2.00 for UPI.	1

si_details Object

The si_details parameter is a JSON object containing mandate details:

Parameter	Description	Example
billingAmount `mandatory`	`String` Maximum amount for recurring transactions.	10.00
billingCurrency `mandatory`	`String` Currency code. Must be `INR`.	INR
billingCycle `mandatory`	`String` Billing frequency: `DAILY`, `WEEKLY`, `MONTHLY`, `YEARLY`, `ADHOC`.	MONTHLY
billingInterval `mandatory`	`Integer` Interval between billing cycles.	1
paymentStartDate `mandatory`	`String` Mandate start date (YYYY-MM-DD).	2025-06-05
paymentEndDate `mandatory`	`String` Mandate end date (YYYY-MM-DD).	2025-12-01

Sample si_details JSON:

{
  "billingAmount": "10.00",
  "billingCurrency": "INR",
  "billingCycle": "MONTHLY",
  "billingInterval": 1,
  "paymentStartDate": "2025-06-05",
  "paymentEndDate": "2025-12-01"
}

Hash Generation

For UPI consent transactions with api_version=7, generate the hash using the following formula:

HASH = SHA512(key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3|udf4|udf5||||||si_details|SALT)

⚠️
Important: The si_details JSON string must be included in the hash calculation.

Sample Request

UPI Collect Flow

curl --location --request POST 'https://test.payu.in/_payment' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'key=JPM7Fg' \
--data-urlencode 'txnid=upiConsentTxn12345' \
--data-urlencode 'amount=10.00' \
--data-urlencode 'firstname=Ashish' \
--data-urlencode 'lastname=Kumar' \
--data-urlencode '[email protected]' \
--data-urlencode 'phone=9988776655' \
--data-urlencode 'productinfo=Monthly Subscription' \
--data-urlencode 'surl=https://example.com/success' \
--data-urlencode 'furl=https://example.com/failure' \
--data-urlencode 'address1=34 Saikripa-Estate, Tilak Nagar' \
--data-urlencode 'address2=Khardilkar Road' \
--data-urlencode 'city=Mumbai' \
--data-urlencode 'state=Maharashtra' \
--data-urlencode 'country=India' \
--data-urlencode 'zipcode=400004' \
--data-urlencode 'udf1=AAAPZ1234C||22/08/1972' \
--data-urlencode 'udf2=' \
--data-urlencode 'udf3=INV-123_1231||MerchantName' \
--data-urlencode 'udf4=' \
--data-urlencode 'udf5=INV123456' \
--data-urlencode 'pg=UPI' \
--data-urlencode 'bankcode=UPI' \
--data-urlencode 'vpa=customer@upi' \
--data-urlencode 'api_version=7' \
--data-urlencode 'si=1' \
--data-urlencode 'si_details={"billingAmount":"10.00","billingCurrency":"INR","billingCycle":"MONTHLY","billingInterval":1,"paymentStartDate":"2025-06-05","paymentEndDate":"2025-12-01"}' \
--data-urlencode 'hash=YOUR_CALCULATED_HASH'

import requests
import json
import hashlib

url = 'https://test.payu.in/_payment'

# SI Details
si_details = {
    'billingAmount': '10.00',
    'billingCurrency': 'INR',
    'billingCycle': 'MONTHLY',
    'billingInterval': 1,
    'paymentStartDate': '2025-06-05',
    'paymentEndDate': '2025-12-01'
}

si_details_json = json.dumps(si_details)

# Hash Generation
key = 'JPM7Fg'
salt = 'YOUR_SALT'
txnid = 'upiConsentTxn12345'
amount = '10.00'
productinfo = 'Monthly Subscription'
firstname = 'Ashish'
email = '[email protected]'
udf1 = 'AAAPZ1234C||22/08/1972'
udf2 = ''
udf3 = 'INV-123_1231||MerchantName'
udf4 = ''
udf5 = 'INV123456'

hash_string = f"{key}|{txnid}|{amount}|{productinfo}|{firstname}|{email}|{udf1}|{udf2}|{udf3}|{udf4}|{udf5}||||||{si_details_json}|{salt}"
hash_value = hashlib.sha512(hash_string.encode()).hexdigest()

# UPI Collect Payload
payload = {
    'key': key,
    'txnid': txnid,
    'amount': amount,
    'productinfo': productinfo,
    'firstname': firstname,
    'lastname': 'Kumar',
    'email': email,
    'phone': '9988776655',
    'surl': 'https://example.com/success',
    'furl': 'https://example.com/failure',
    'address1': '34 Saikripa-Estate, Tilak Nagar',
    'address2': 'Khardilkar Road',
    'city': 'Mumbai',
    'state': 'Maharashtra',
    'country': 'India',
    'zipcode': '400004',
    'udf1': udf1,
    'udf2': udf2,
    'udf3': udf3,
    'udf4': udf4,
    'udf5': udf5,
    'pg': 'UPI',
    'bankcode': 'UPI',
    'vpa': 'customer@upi',
    'api_version': '7',
    'si': '1',
    'si_details': si_details_json,
    'hash': hash_value
}

headers = {
    'Content-Type': 'application/x-www-form-urlencoded'
}

response = requests.post(url, data=payload, headers=headers)

if response.status_code == 200:
    print('Response:', response.text)
else:
    print(f'Error: {response.status_code}')

using System;
using System.Net.Http;
using System.Text;
using System.Text.Json;
using System.Security.Cryptography;
using System.Collections.Generic;
using System.Threading.Tasks;

class Program
{
    static async Task Main()
    {
        var url = "https://test.payu.in/_payment";

        var siDetails = new
        {
            billingAmount = "10.00",
            billingCurrency = "INR",
            billingCycle = "MONTHLY",
            billingInterval = 1,
            paymentStartDate = "2025-06-05",
            paymentEndDate = "2025-12-01"
        };

        string siDetailsJson = JsonSerializer.Serialize(siDetails);

        // Hash Generation
        string key = "JPM7Fg";
        string salt = "YOUR_SALT";
        string txnid = "upiConsentTxn12345";
        string amount = "10.00";
        string productinfo = "Monthly Subscription";
        string firstname = "Ashish";
        string email = "[email protected]";
        string udf1 = "AAAPZ1234C||22/08/1972";
        string udf2 = "";
        string udf3 = "INV-123_1231||MerchantName";
        string udf4 = "";
        string udf5 = "INV123456";

        string hashString = $"{key}|{txnid}|{amount}|{productinfo}|{firstname}|{email}|{udf1}|{udf2}|{udf3}|{udf4}|{udf5}||||||{siDetailsJson}|{salt}";
        string hashValue = ComputeSha512Hash(hashString);

        var formData = new Dictionary<string, string>
        {
            { "key", key },
            { "txnid", txnid },
            { "amount", amount },
            { "productinfo", productinfo },
            { "firstname", firstname },
            { "lastname", "Kumar" },
            { "email", email },
            { "phone", "9988776655" },
            { "surl", "https://example.com/success" },
            { "furl", "https://example.com/failure" },
            { "address1", "34 Saikripa-Estate, Tilak Nagar" },
            { "address2", "Khardilkar Road" },
            { "city", "Mumbai" },
            { "state", "Maharashtra" },
            { "country", "India" },
            { "zipcode", "400004" },
            { "udf1", udf1 },
            { "udf2", udf2 },
            { "udf3", udf3 },
            { "udf4", udf4 },
            { "udf5", udf5 },
            { "pg", "UPI" },
            { "bankcode", "UPI" },
            { "vpa", "customer@upi" },
            { "api_version", "7" },
            { "si", "1" },
            { "si_details", siDetailsJson },
            { "hash", hashValue }
        };

        using var client = new HttpClient();
        var content = new FormUrlEncodedContent(formData);
        var response = await client.PostAsync(url, content);
        var responseString = await response.Content.ReadAsStringAsync();
        Console.WriteLine(responseString);
    }

    static string ComputeSha512Hash(string input)
    {
        using var sha512 = SHA512.Create();
        byte[] bytes = sha512.ComputeHash(Encoding.UTF8.GetBytes(input));
        return BitConverter.ToString(bytes).Replace("-", "").ToLower();
    }
}

const crypto = require('crypto');
const axios = require('axios');
const qs = require('querystring');

const url = 'https://test.payu.in/_payment';

const siDetails = JSON.stringify({
    billingAmount: '10.00',
    billingCurrency: 'INR',
    billingCycle: 'MONTHLY',
    billingInterval: 1,
    paymentStartDate: '2025-06-05',
    paymentEndDate: '2025-12-01'
});

// Hash Generation
const key = 'JPM7Fg';
const salt = 'YOUR_SALT';
const txnid = 'upiConsentTxn12345';
const amount = '10.00';
const productinfo = 'Monthly Subscription';
const firstname = 'Ashish';
const email = '[email protected]';
const udf1 = 'AAAPZ1234C||22/08/1972';
const udf2 = '';
const udf3 = 'INV-123_1231||MerchantName';
const udf4 = '';
const udf5 = 'INV123456';

const hashString = `${key}|${txnid}|${amount}|${productinfo}|${firstname}|${email}|${udf1}|${udf2}|${udf3}|${udf4}|${udf5}||||||${siDetails}|${salt}`;
const hashValue = crypto.createHash('sha512').update(hashString).digest('hex');

const payload = {
    key: key,
    txnid: txnid,
    amount: amount,
    productinfo: productinfo,
    firstname: firstname,
    lastname: 'Kumar',
    email: email,
    phone: '9988776655',
    surl: 'https://example.com/success',
    furl: 'https://example.com/failure',
    address1: '34 Saikripa-Estate, Tilak Nagar',
    address2: 'Khardilkar Road',
    city: 'Mumbai',
    state: 'Maharashtra',
    country: 'India',
    zipcode: '400004',
    udf1: udf1,
    udf2: udf2,
    udf3: udf3,
    udf4: udf4,
    udf5: udf5,
    pg: 'UPI',
    bankcode: 'UPI',
    vpa: 'customer@upi',
    api_version: '7',
    si: '1',
    si_details: siDetails,
    hash: hashValue
};

axios.post(url, qs.stringify(payload), {
    headers: {
        'Content-Type': 'application/x-www-form-urlencoded'
    }
})
.then(response => {
    console.log('Response:', response.data);
})
.catch(error => {
    console.error('Error:', error);
});

import java.io.OutputStream;
import java.net.HttpURLConnection;
import java.net.URL;
import java.net.URLEncoder;
import java.nio.charset.StandardCharsets;
import java.security.MessageDigest;
import java.util.HashMap;
import java.util.Map;
import java.util.StringJoiner;

public class UpiConsentTransaction {
    public static void main(String[] args) throws Exception {
        String url = "https://test.payu.in/_payment";

        String siDetails = "{\"billingAmount\":\"10.00\",\"billingCurrency\":\"INR\",\"billingCycle\":\"MONTHLY\",\"billingInterval\":1,\"paymentStartDate\":\"2025-06-05\",\"paymentEndDate\":\"2025-12-01\"}";

        // Hash Generation
        String key = "JPM7Fg";
        String salt = "YOUR_SALT";
        String txnid = "upiConsentTxn12345";
        String amount = "10.00";
        String productinfo = "Monthly Subscription";
        String firstname = "Ashish";
        String email = "[email protected]";
        String udf1 = "AAAPZ1234C||22/08/1972";
        String udf2 = "";
        String udf3 = "INV-123_1231||MerchantName";
        String udf4 = "";
        String udf5 = "INV123456";

        String hashString = key + "|" + txnid + "|" + amount + "|" + productinfo + "|" + firstname + "|" + email + "|" + udf1 + "|" + udf2 + "|" + udf3 + "|" + udf4 + "|" + udf5 + "||||||" + siDetails + "|" + salt;
        String hashValue = sha512(hashString);

        Map<String, String> params = new HashMap<>();
        params.put("key", key);
        params.put("txnid", txnid);
        params.put("amount", amount);
        params.put("productinfo", productinfo);
        params.put("firstname", firstname);
        params.put("lastname", "Kumar");
        params.put("email", email);
        params.put("phone", "9988776655");
        params.put("surl", "https://example.com/success");
        params.put("furl", "https://example.com/failure");
        params.put("address1", "34 Saikripa-Estate, Tilak Nagar");
        params.put("address2", "Khardilkar Road");
        params.put("city", "Mumbai");
        params.put("state", "Maharashtra");
        params.put("country", "India");
        params.put("zipcode", "400004");
        params.put("udf1", udf1);
        params.put("udf2", udf2);
        params.put("udf3", udf3);
        params.put("udf4", udf4);
        params.put("udf5", udf5);
        params.put("pg", "UPI");
        params.put("bankcode", "UPI");
        params.put("vpa", "customer@upi");
        params.put("api_version", "7");
        params.put("si", "1");
        params.put("si_details", siDetails);
        params.put("hash", hashValue);

        StringJoiner joiner = new StringJoiner("&");
        for (Map.Entry<String, String> entry : params.entrySet()) {
            joiner.add(URLEncoder.encode(entry.getKey(), "UTF-8") + "=" + URLEncoder.encode(entry.getValue(), "UTF-8"));
        }
        String postData = joiner.toString();

        URL urlObj = new URL(url);
        HttpURLConnection conn = (HttpURLConnection) urlObj.openConnection();
        conn.setRequestMethod("POST");
        conn.setRequestProperty("Content-Type", "application/x-www-form-urlencoded");
        conn.setDoOutput(true);

        try (OutputStream os = conn.getOutputStream()) {
            os.write(postData.getBytes(StandardCharsets.UTF_8));
        }

        int responseCode = conn.getResponseCode();
        System.out.println("Response Code: " + responseCode);
    }

    private static String sha512(String input) throws Exception {
        MessageDigest md = MessageDigest.getInstance("SHA-512");
        byte[] digest = md.digest(input.getBytes(StandardCharsets.UTF_8));
        StringBuilder sb = new StringBuilder();
        for (byte b : digest) {
            sb.append(String.format("%02x", b));
        }
        return sb.toString();
    }
}

<?php
$url = 'https://test.payu.in/_payment';

$si_details = json_encode([
    'billingAmount' => '10.00',
    'billingCurrency' => 'INR',
    'billingCycle' => 'MONTHLY',
    'billingInterval' => 1,
    'paymentStartDate' => '2025-06-05',
    'paymentEndDate' => '2025-12-01'
]);

// Hash Generation
$key = 'JPM7Fg';
$salt = 'YOUR_SALT';
$txnid = 'upiConsentTxn12345';
$amount = '10.00';
$productinfo = 'Monthly Subscription';
$firstname = 'Ashish';
$email = '[email protected]';
$udf1 = 'AAAPZ1234C||22/08/1972';
$udf2 = '';
$udf3 = 'INV-123_1231||MerchantName';
$udf4 = '';
$udf5 = 'INV123456';

$hash_string = "$key|$txnid|$amount|$productinfo|$firstname|$email|$udf1|$udf2|$udf3|$udf4|$udf5||||||$si_details|$salt";
$hash = strtolower(hash('sha512', $hash_string));

$data = [
    'key' => $key,
    'txnid' => $txnid,
    'amount' => $amount,
    'productinfo' => $productinfo,
    'firstname' => $firstname,
    'lastname' => 'Kumar',
    'email' => $email,
    'phone' => '9988776655',
    'surl' => 'https://example.com/success',
    'furl' => 'https://example.com/failure',
    'address1' => '34 Saikripa-Estate, Tilak Nagar',
    'address2' => 'Khardilkar Road',
    'city' => 'Mumbai',
    'state' => 'Maharashtra',
    'country' => 'India',
    'zipcode' => '400004',
    'udf1' => $udf1,
    'udf2' => $udf2,
    'udf3' => $udf3,
    'udf4' => $udf4,
    'udf5' => $udf5,
    'pg' => 'UPI',
    'bankcode' => 'UPI',
    'vpa' => 'customer@upi',
    'api_version' => '7',
    'si' => '1',
    'si_details' => $si_details,
    'hash' => $hash
];

$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($data));
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, [
    'Content-Type: application/x-www-form-urlencoded'
]);

$response = curl_exec($ch);
$httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE);
curl_close($ch);

if ($httpCode == 200) {
    echo $response;
} else {
    echo "Error: " . $httpCode;
}
?>

UPI Intent Flow (with S2S Parameters)

curl --location --request POST 'https://test.payu.in/_payment' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--data-urlencode 'key=JPM7Fg' \
--data-urlencode 'txnid=upiIntentTxn12345' \
--data-urlencode 'amount=10.00' \
--data-urlencode 'firstname=Ashish' \
--data-urlencode 'lastname=Kumar' \
--data-urlencode '[email protected]' \
--data-urlencode 'phone=9988776655' \
--data-urlencode 'productinfo=Monthly Subscription' \
--data-urlencode 'surl=https://example.com/success' \
--data-urlencode 'furl=https://example.com/failure' \
--data-urlencode 'address1=34 Saikripa-Estate, Tilak Nagar' \
--data-urlencode 'address2=Khardilkar Road' \
--data-urlencode 'city=Mumbai' \
--data-urlencode 'state=Maharashtra' \
--data-urlencode 'country=India' \
--data-urlencode 'zipcode=400004' \
--data-urlencode 'udf1=AAAPZ1234C||22/08/1972' \
--data-urlencode 'udf2=' \
--data-urlencode 'udf3=INV-123_1231||MerchantName' \
--data-urlencode 'udf4=' \
--data-urlencode 'udf5=INV123456' \
--data-urlencode 'pg=UPI' \
--data-urlencode 'bankcode=INTENT' \
--data-urlencode 'api_version=7' \
--data-urlencode 'si=1' \
--data-urlencode 'si_details={"billingAmount":"10.00","billingCurrency":"INR","billingCycle":"MONTHLY","billingInterval":1,"paymentStartDate":"2025-06-05","paymentEndDate":"2025-12-01"}' \
--data-urlencode 'txn_s2s_flow=4' \
--data-urlencode 's2s_client_ip=10.200.12.12' \
--data-urlencode 's2s_device_info=Mozilla/5.0 (Windows NT 10.0; Win64; x64) PayU-API-Test/1.0' \
--data-urlencode 'hash=YOUR_CALCULATED_HASH'

import requests

url = "https://test.payu.in/_payment"

headers = {
    'Content-Type': 'application/x-www-form-urlencoded'
}

data = {
    'key': 'JPM7Fg',
    'txnid': 'upiIntentTxn12345',
    'amount': '10.00',
    'firstname': 'Ashish',
    'lastname': 'Kumar',
    'email': '[email protected]',
    'phone': '9988776655',
    'productinfo': 'Monthly Subscription',
    'surl': 'https://example.com/success',
    'furl': 'https://example.com/failure',
    'address1': '34 Saikripa-Estate, Tilak Nagar',
    'address2': 'Khardilkar Road',
    'city': 'Mumbai',
    'state': 'Maharashtra',
    'country': 'India',
    'zipcode': '400004',
    'udf1': 'AAAPZ1234C||22/08/1972',
    'udf2': '',
    'udf3': 'INV-123_1231||MerchantName',
    'udf4': '',
    'udf5': 'INV123456',
    'pg': 'UPI',
    'bankcode': 'INTENT',
    'api_version': '7',
    'si': '1',
    'si_details': '{"billingAmount":"10.00","billingCurrency":"INR","billingCycle":"MONTHLY","billingInterval":1,"paymentStartDate":"2025-06-05","paymentEndDate":"2025-12-01"}',
    'txn_s2s_flow': '4',
    's2s_client_ip': '10.200.12.12',
    's2s_device_info': 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) PayU-API-Test/1.0',
    'hash': 'YOUR_CALCULATED_HASH'
}

try:
    response = requests.post(url, headers=headers, data=data)
    print(f"Status Code: {response.status_code}")
    print(f"Response: {response.text}")
except requests.exceptions.RequestException as e:
    print(f"Error: {e}")

using System;
using System.Collections.Generic;
using System.Net.Http;
using System.Threading.Tasks;

class Program
{
    static async Task Main(string[] args)
    {
        var url = "https://test.payu.in/_payment";
        
        var formData = new List<KeyValuePair<string, string>>
        {
            new KeyValuePair<string, string>("key", "JPM7Fg"),
            new KeyValuePair<string, string>("txnid", "upiIntentTxn12345"),
            new KeyValuePair<string, string>("amount", "10.00"),
            new KeyValuePair<string, string>("firstname", "Ashish"),
            new KeyValuePair<string, string>("lastname", "Kumar"),
            new KeyValuePair<string, string>("email", "[email protected]"),
            new KeyValuePair<string, string>("phone", "9988776655"),
            new KeyValuePair<string, string>("productinfo", "Monthly Subscription"),
            new KeyValuePair<string, string>("surl", "https://example.com/success"),
            new KeyValuePair<string, string>("furl", "https://example.com/failure"),
            new KeyValuePair<string, string>("address1", "34 Saikripa-Estate, Tilak Nagar"),
            new KeyValuePair<string, string>("address2", "Khardilkar Road"),
            new KeyValuePair<string, string>("city", "Mumbai"),
            new KeyValuePair<string, string>("state", "Maharashtra"),
            new KeyValuePair<string, string>("country", "India"),
            new KeyValuePair<string, string>("zipcode", "400004"),
            new KeyValuePair<string, string>("udf1", "AAAPZ1234C||22/08/1972"),
            new KeyValuePair<string, string>("udf2", ""),
            new KeyValuePair<string, string>("udf3", "INV-123_1231||MerchantName"),
            new KeyValuePair<string, string>("udf4", ""),
            new KeyValuePair<string, string>("udf5", "INV123456"),
            new KeyValuePair<string, string>("pg", "UPI"),
            new KeyValuePair<string, string>("bankcode", "INTENT"),
            new KeyValuePair<string, string>("api_version", "7"),
            new KeyValuePair<string, string>("si", "1"),
            new KeyValuePair<string, string>("si_details", "{\"billingAmount\":\"10.00\",\"billingCurrency\":\"INR\",\"billingCycle\":\"MONTHLY\",\"billingInterval\":1,\"paymentStartDate\":\"2025-06-05\",\"paymentEndDate\":\"2025-12-01\"}"),
            new KeyValuePair<string, string>("txn_s2s_flow", "4"),
            new KeyValuePair<string, string>("s2s_client_ip", "10.200.12.12"),
            new KeyValuePair<string, string>("s2s_device_info", "Mozilla/5.0 (Windows NT 10.0; Win64; x64) PayU-API-Test/1.0"),
            new KeyValuePair<string, string>("hash", "YOUR_CALCULATED_HASH")
        };

        using var client = new HttpClient();
        
        try
        {
            var formContent = new FormUrlEncodedContent(formData);
            var response = await client.PostAsync(url, formContent);
            var content = await response.Content.ReadAsStringAsync();
            
            Console.WriteLine($"Status Code: {response.StatusCode}");
            Console.WriteLine($"Response: {content}");
        }
        catch (HttpRequestException e)
        {
            Console.WriteLine($"Error: {e.Message}");
        }
    }
}

async function makePaymentRequest() {
    const url = 'https://test.payu.in/_payment';
    
    const formData = new URLSearchParams();
    formData.append('key', 'JPM7Fg');
    formData.append('txnid', 'upiIntentTxn12345');
    formData.append('amount', '10.00');
    formData.append('firstname', 'Ashish');
    formData.append('lastname', 'Kumar');
    formData.append('email', '[email protected]');
    formData.append('phone', '9988776655');
    formData.append('productinfo', 'Monthly Subscription');
    formData.append('surl', 'https://example.com/success');
    formData.append('furl', 'https://example.com/failure');
    formData.append('address1', '34 Saikripa-Estate, Tilak Nagar');
    formData.append('address2', 'Khardilkar Road');
    formData.append('city', 'Mumbai');
    formData.append('state', 'Maharashtra');
    formData.append('country', 'India');
    formData.append('zipcode', '400004');
    formData.append('udf1', 'AAAPZ1234C||22/08/1972');
    formData.append('udf2', '');
    formData.append('udf3', 'INV-123_1231||MerchantName');
    formData.append('udf4', '');
    formData.append('udf5', 'INV123456');
    formData.append('pg', 'UPI');
    formData.append('bankcode', 'INTENT');
    formData.append('api_version', '7');
    formData.append('si', '1');
    formData.append('si_details', '{"billingAmount":"10.00","billingCurrency":"INR","billingCycle":"MONTHLY","billingInterval":1,"paymentStartDate":"2025-06-05","paymentEndDate":"2025-12-01"}');
    formData.append('txn_s2s_flow', '4');
    formData.append('s2s_client_ip', '10.200.12.12');
    formData.append('s2s_device_info', 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) PayU-API-Test/1.0');
    formData.append('hash', 'YOUR_CALCULATED_HASH');

    try {
        const response = await fetch(url, {
            method: 'POST',
            headers: {
                'Content-Type': 'application/x-www-form-urlencoded'
            },
            body: formData
        });

        const responseText = await response.text();
        console.log(`Status Code: ${response.status}`);
        console.log(`Response: ${responseText}`);
    } catch (error) {
        console.error(`Error: ${error.message}`);
    }
}

makePaymentRequest();

import java.io.*;
import java.net.*;
import java.util.*;

public class PayURequest {
    public static void main(String[] args) {
        try {
            URL url = new URL("https://test.payu.in/_payment");
            HttpURLConnection conn = (HttpURLConnection) url.openConnection();
            
            conn.setRequestMethod("POST");
            conn.setRequestProperty("Content-Type", "application/x-www-form-urlencoded");
            conn.setDoOutput(true);
            
            Map<String, String> formData = new LinkedHashMap<>();
            formData.put("key", "JPM7Fg");
            formData.put("txnid", "upiIntentTxn12345");
            formData.put("amount", "10.00");
            formData.put("firstname", "Ashish");
            formData.put("lastname", "Kumar");
            formData.put("email", "[email protected]");
            formData.put("phone", "9988776655");
            formData.put("productinfo", "Monthly Subscription");
            formData.put("surl", "https://example.com/success");
            formData.put("furl", "https://example.com/failure");
            formData.put("address1", "34 Saikripa-Estate, Tilak Nagar");
            formData.put("address2", "Khardilkar Road");
            formData.put("city", "Mumbai");
            formData.put("state", "Maharashtra");
            formData.put("country", "India");
            formData.put("zipcode", "400004");
            formData.put("udf1", "AAAPZ1234C||22/08/1972");
            formData.put("udf2", "");
            formData.put("udf3", "INV-123_1231||MerchantName");
            formData.put("udf4", "");
            formData.put("udf5", "INV123456");
            formData.put("pg", "UPI");
            formData.put("bankcode", "INTENT");
            formData.put("api_version", "7");
            formData.put("si", "1");
            formData.put("si_details", "{\"billingAmount\":\"10.00\",\"billingCurrency\":\"INR\",\"billingCycle\":\"MONTHLY\",\"billingInterval\":1,\"paymentStartDate\":\"2025-06-05\",\"paymentEndDate\":\"2025-12-01\"}");
            formData.put("txn_s2s_flow", "4");
            formData.put("s2s_client_ip", "10.200.12.12");
            formData.put("s2s_device_info", "Mozilla/5.0 (Windows NT 10.0; Win64; x64) PayU-API-Test/1.0");
            formData.put("hash", "YOUR_CALCULATED_HASH");
            
            StringBuilder postData = new StringBuilder();
            for (Map.Entry<String, String> entry : formData.entrySet()) {
                if (postData.length() != 0) {
                    postData.append('&');
                }
                postData.append(URLEncoder.encode(entry.getKey(), "UTF-8"));
                postData.append('=');
                postData.append(URLEncoder.encode(entry.getValue(), "UTF-8"));
            }
            
            try (DataOutputStream wr = new DataOutputStream(conn.getOutputStream())) {
                wr.writeBytes(postData.toString());
            }
            
            int responseCode = conn.getResponseCode();
            System.out.println("Status Code: " + responseCode);
            
            BufferedReader in = new BufferedReader(new InputStreamReader(conn.getInputStream()));
            String inputLine;
            StringBuilder response = new StringBuilder();
            
            while ((inputLine = in.readLine()) != null) {
                response.append(inputLine);
            }
            in.close();
            
            System.out.println("Response: " + response.toString());
            
        } catch (Exception e) {
            System.out.println("Error: " + e.getMessage());
        }
    }
}

<?php

$url = "https://test.payu.in/_payment";

$postData = array(
    'key' => 'JPM7Fg',
    'txnid' => 'upiIntentTxn12345',
    'amount' => '10.00',
    'firstname' => 'Ashish',
    'lastname' => 'Kumar',
    'email' => '[email protected]',
    'phone' => '9988776655',
    'productinfo' => 'Monthly Subscription',
    'surl' => 'https://example.com/success',
    'furl' => 'https://example.com/failure',
    'address1' => '34 Saikripa-Estate, Tilak Nagar',
    'address2' => 'Khardilkar Road',
    'city' => 'Mumbai',
    'state' => 'Maharashtra',
    'country' => 'India',
    'zipcode' => '400004',
    'udf1' => 'AAAPZ1234C||22/08/1972',
    'udf2' => '',
    'udf3' => 'INV-123_1231||MerchantName',
    'udf4' => '',
    'udf5' => 'INV123456',
    'pg' => 'UPI',
    'bankcode' => 'INTENT',
    'api_version' => '7',
    'si' => '1',
    'si_details' => '{"billingAmount":"10.00","billingCurrency":"INR","billingCycle":"MONTHLY","billingInterval":1,"paymentStartDate":"2025-06-05","paymentEndDate":"2025-12-01"}',
    'txn_s2s_flow' => '4',
    's2s_client_ip' => '10.200.12.12',
    's2s_device_info' => 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) PayU-API-Test/1.0',
    'hash' => 'YOUR_CALCULATED_HASH'
);

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($postData));
curl_setopt($ch, CURLOPT_HTTPHEADER, array(
    'Content-Type: application/x-www-form-urlencoded'
));
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);

$response = curl_exec($ch);

if (curl_error($ch)) {
    echo "Error: " . curl_error($ch) . "\n";
} else {
    $httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE);
    echo "Status Code: " . $httpCode . "\n";
    echo "Response: " . $response . "\n";
}

curl_close($ch);

?>

There you have it! 🎯 The complete cURL translation in pure markdown format with all five language bindings as requested. Each code snippet preserves the exact functionality of your original cURL request to the PayU payment API.

Response Parameters

UPI Collect Response

For UPI Collect, the response is returned in URL-encoded format:

Parameter	Description
mihpayid	PayU's unique transaction identifier.
mode	Payment mode used (UPI).
status	Transaction status: `success`, `failure`, or `pending`.
unmappedstatus	Bank's raw status (e.g., `captured`).
key	Merchant key echoed back.
txnid	Transaction ID echoed back.
amount	Transaction amount.
discount	Discount applied (if any).
net_amount_debit	Net amount debited from customer.
addedon	Transaction timestamp.
productinfo	Product description echoed back.
firstname	Customer's first name.
lastname	Customer's last name.
email	Customer's email.
phone	Customer's phone number.
hash	Response hash for verification.
field1	Customer's VPA handle.
field7	Transaction message.
field9	Transaction status description.
payment_source	Payment source identifier. `sist` indicates Standing Instruction setup.
PG_TYPE	Payment gateway type (UPI-PG).
bank_ref_num	Bank reference number.
bankcode	Bank code used.
error	Error code (E000 = No Error).
error_Message	Error message description.

Sample Response

UPI Collect - Success Response

mihpayid=403993715525317379
&mode=UPI
&status=success
&unmappedstatus=captured
&key=JPM7Fg
&txnid=upiConsentTxn12345
&amount=10.00
&discount=0.00
&net_amount_debit=10
&addedon=2025-06-05 16:00:53
&productinfo=Monthly Subscription
&firstname=Ashish
&lastname=Kumar
&[email protected]
&phone=9988776655
&hash=1b1df6deb730c4826341e35b9b010497f524c88e3cee05287f0148dd302f81ab45503a27f43d492d127134cf5983eab1042930f10a04f27a094e19c500644104
&field1=customer@upi
&field7=Transaction completed successfully
&field9=Transaction completed successfully
&payment_source=sist
&PG_TYPE=UPI-PG
&bank_ref_num=upiConsentTxn12345
&bankcode=UPI
&error=E000
&error_Message=No Error

UPI Intent - Success Response

{
   "metaData": {
      "message": null,
      "referenceId": "5ae6e6d94b4b5f9dee282b95f6020c98",
      "statusCode": null,
      "txnId": "upiIntentTxn12345",
      "txnStatus": "pending",
      "unmappedStatus": "pending"
   },
   "result": {
      "paymentId": "15257049438",
      "merchantName": "Your Merchant Name",
      "merchantVpa": "merchant@hdfcbank",
      "amount": "10.00",
      "intentURIData": "upi://mandate?pa=merchant@hdfcbank&pn=MERCHANT NAME&mn=&tid=upiIntentTxn12345&validitystart=05062025&validityend=01122025&am=10.00&amrule=MAX&recur=MONTHLY&recurvalue=30&recurtype=&tr=15257049438&cu=INR&mc=5411&tn=UPI Transaction for upiIntentTxn12345&mode=13&purpose=14&orgid=159240&rev=Y&block=N&txnType=CREATE",
      "postToBank": {
         "token": "C6ABAA6A-F0CE-432A-61C1-CFA48EDE847B",
         "amount": "10.00",
         "mihpayid": "5ae6e6d94b4b5f9dee282b95f6020c98",
         "disableIntentSeamlessFailure": "0",
         "payeeVpa": "merchant@hdfcbank",
         "payeeName": "Your Merchant Name",
         "additionalCharges": 0,
         "transactionFee": "10.00"
      },
      "issuerUrl": "https://secure.payu.in/intentSeamlessHandler.php"
   }
}

Expected Values for Successful Registration

Response Parameter	Expected Value	Description
status	`success`	Indicates that the transaction is successful with the UPI provider
payment_source	`sist`	Indicates UPI details have been marked correctly for Standing Instruction
mihpayid	`<mihpayid>`	PayU's transaction acknowledgment for a Consent transaction

UPI Consent Transaction - Cross-Border

Request Parameters

si_details Object

Hash Generation

Important: The `si_details` JSON string must be included in the hash calculation.

Sample Request

UPI Collect Flow

UPI Intent Flow (with S2S Parameters)

Response Parameters

UPI Collect Response

Sample Response

UPI Collect - Success Response

UPI Intent - Success Response

Expected Values for Successful Registration

EXAMPLE QUESTIONS

Request Parameters

si_details Object

Hash Generation

Important: The si_details JSON string must be included in the hash calculation.

Sample Request

UPI Collect Flow

UPI Intent Flow (with S2S Parameters)

Response Parameters

UPI Collect Response

Sample Response

UPI Collect - Success Response

UPI Intent - Success Response

Expected Values for Successful Registration

EXAMPLE QUESTIONS

Important: The `si_details` JSON string must be included in the hash calculation.