This section provides the request parameters, sample request and response for a UPI Recurring Payment 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

Request parameters

In the merchant-initiated POST REQUEST, Hash is a mandatory parameter. It is critical to calculate the hash correctly and post it to PayU in the request.

Parameter	Description	Value
key `mandatory`	`String` The merchant key is a unique identifier for a merchant account in PayU's database.	Your Test Key
api_version `optional`	`String` The API version for this API.	7
txnid `mandatory`	`String` The transaction ID is a reference number for a specific order that is generated by the merchant. It is used to track the order and must be unique. PayU's system will not accept duplicate transaction IDs.	s7hhDQVWvbhBdN
amount `mandatory`	`String` This field should contain the payment amount for the transaction. The limit for recurring payments using UPI payment mode: - Auto-debit is Rs.15000 (the auto-debit limit is higher for below listed purpose) - With PIN is Rs.1,00,000 Note: The auto-debit limit for the following UPI recurring payments is one lakh rupees (Rs.1,00,000): - Insurance premiums - Credit card bill payments - Insurance premium	10.00
productinfo `mandatory`	`String` It should be a string containing a brief description of the product. `Character Limit-100`	iPhone
firstname `mandatory`	`String` The first name of the customer. `Character Limit-60`	Ashish
email `mandatory`	`String` The email of the customer. `Character Limit-50`	test@gmail.com
phone `mandatory`	`String` The phone number of the customer.	9876543210
lastname `mandatory`	`String` The last name of the customer. `Character Limit-60`	Verma
address1 `optional`	`String` The first line of the billing address. `Character Limit-100`	H.No- 17, Block C, Kalyan Bldg, Khardilkar Road, Mumbai
address2 `optional`	`String` The second line of the billing address. `Character Limit-100`	34 Saikripa-Estate, Tilak Nagar
city `optional`	`String` The city where your customer resides as part of the billing address.	Mumbai
state `optional`	`String` The state where your customer resides as part of the billing address.	Maharashtra
country `optional`	`String` The country where your customer resides. `Character Limit-50`	India
zipcode `optional`	`String` Billing address zip code is mandatory for the cardless EMI option. `Character Limit-20`	400004
surl `mandatory`	`String` The "surl" field is the success URL, which is the page PayU will redirect to if the transaction is successful. The merchant can handle the response at this URL after the customer is redirected there.	https://apiplayground-response.herokuapp.com/
furl `mandatory`	`String` The "furl" field is the Failure URL, which is the page PayU will redirect to if the transaction is failed. The merchant can handle the response at this URL after the customer is redirected there.	https://apiplayground-response.herokuapp.com/
hash `mandatory`	`String` It is used to avoid the possibility of transaction tampering. For more information on hash generation process, refer to Generate Hash. In the case of registration transaction, the formula is used to calculate this hash is similar to the following: `HASH = SHA512(key\|txnid\|amount\|productinfo\|firstname\|email\|udf1\|udf2\|udf3\|udf4\|udf5\|\|\|\|si_details\|SALT)`	`eabec285da28fd0e3054d41a4d24fe9f7599c9d0b66646f7a9984303fd6124044b6206daf831e9a8bda28a6200d318293a13d6c193109b60bd4b4f8b09c90972`
pg `mandatory`	`varchar` The pg parameter for UPI must be UPI.	UPI
bankcode `mandatory`	`varchar` This parameter contains UPI or INTENT for UPI.	UPI
si `mandatory`	This parameter signifies a successful consent taken from the user by the merchant. This parameter must contain 1 for a successful consent. Without this parameter sent as 1, subscription cannot be set up. Notes: You can modify or cancel existing recurring payment registration as described in the following sections: - Manage Recurring Payment for Cards - Manage UPI Recurring Transaction
si_details `mandatory`	This parameter represents mandatory details which need to be passed to during registration transaction from merchant system to PayU. Note: It is mandatory as per the latest RBI guidelines to pass this information to the payment processor so that same can be forwarded to acquirers and issuers (for more details refer – RBI Notification). This is a JSON object and it includes a set of fields. For more information, refer to SI Parameter JSON Details.
vpa `mandatory for UPI Collect`	`varchar` This parameter contains the customer's VPA handle. For the list UPI handles supported, refer to UPI Handles. The merchant is advised to check the validity of the VPA through using the VPA Validation API. PayU extends support for the same if required. For more information on using VPA Validation API, refer to Validate VPA Handle API.	abc@upi
txn_s2s_flow `mandatory for UPI Intent`	`integer` This parameter must be passed with the values as 4 for UPI Intent.	4
free_trial `optional`	This is mandatory only if the merchant wants to support free trial use cases. In this case, PayU adjusts the transaction amount as INR 2.00 for cards and UPI and INR 0.00 for Net Banking irrespective of what amount is passed against the amount field in the request.

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Notes
The bankcode parameter value can be any of the following:

UPI: Pass this value for UPI transactions.

INTENT: Pass this value for Intent.

For more information on bank codes used for recurring payments registration, refer to Bank Codes - Recurring Payments

Characters allowed for parameters

For parameters address1, address2, city, state, country, product info, email, and phone following characters are allowed:

Characters: A to Z, a to z, 0 to 9
– (Minus)
_ (Underscore)
@ ()
/ (Slash)
(Space)
. (Dot)

Sample request

The sample code block for UPI Seamless integration (Merchant-Hosted Checkout) is similar to the following code block:

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Note:
Before you make payment request to PayU, it is recommended to validate the UPI handle provided by your customer is eligible for recurring payment using the validateVPA API to avoid transaction failure. For more information, refer to Validate VPA API.

UPI Consent Transaction

curl --location 'https://secure.payu.in/_payment' \
--header 'accept: application/json' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Cookie: PHPSESSID=jp38t4gvop7ami1ksncksj398v; USERTXNINFO=68ed4df291d9b7.27710642; PHPSESSID=68ed52caaaf5e' \
--data-urlencode 'key=BmTY3G' \
--data-urlencode 'txnid=my_order_29327' \
--data-urlencode 'amount=1.00' \
--data-urlencode 'firstname=Payu-Admin' \
--data-urlencode 'email=test@example.com' \
--data-urlencode 'phone=1234567890' \
--data-urlencode 'productinfo=my_order_29327' \
--data-urlencode 'api_version=7' \
--data-urlencode 'si=1' \
--data-urlencode 'pg=UPI' \
--data-urlencode 'bankcode=UPI' \
--data-urlencode 'vpa=anything@payu' \
--data-urlencode 'surl=https://test.payu.in/admin/test_response/' \
--data-urlencode 'furl=https://test.payu.in/admin/test_response' \
--data-urlencode 'si_details={"billingAmount":"1.00","billingCurrency":"INR","billingCycle":"MONTHLY","billingInterval":1,"paymentStartDate":"2025-10-14","paymentEndDate":"2029-12-01"}' \
--data-urlencode 'hash=67de5db43d30293e715969e6d7d849cea689b189509488c3a2b5615865f886559848bac2b1ddad5a53a5b38daaf48cd2bf9c06366c416c3da52ca47e96020cbb'

UPI Intent

curl --location 'https://secure.payu.in/_payment' \
--header 'accept: application/json' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Cookie: PHPSESSID=jp38t4gvop7ami1ksncksj398v; USERTXNINFO=68ed4df291d9b7.27710642; PHPSESSID=68edd726c95b4' \
--data-urlencode 'key=BmTY3G' \
--data-urlencode 'txnid=my_order_95314' \
--data-urlencode 'amount=1.00' \
--data-urlencode 'firstname=Payu-Admin' \
--data-urlencode 'email=test@example.com' \
--data-urlencode 'phone=1234567890' \
--data-urlencode 'productinfo=my_order_95314' \
--data-urlencode 'api_version=7' \
--data-urlencode 'si=1' \
--data-urlencode 'pg=UPI' \
--data-urlencode 'bankcode=INTENT' \
--data-urlencode 'txn_s2s_flow=4' \
--data-urlencode 'surl=https://test.payu.in/admin/test_response/' \
--data-urlencode 'furl=https://test.payu.in/admin/test_response' \
--data-urlencode 'si_details={"billingAmount":"1.00","billingCurrency":"INR","billingCycle":"MONTHLY","billingInterval":1,"paymentStartDate":"2025-10-14","paymentEndDate":"2019-12-01"}' \
--data-urlencode 'hash=67de5db43d30293e715969e6d7d849cea689b189509488c3a2b5615865f886559848bac2b1ddad5a53a5b38daaf48cd2bf9c06366c416c3da52ca47e96020cbb'

Understanding Response

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

Response Parameter	Expected Value	Description
status	success	Indicates that the transaction is successful with the UPI provider
payment_source	SIST	Indicates that UPI details have been marked correctly for Standing Instruction
mihpayid	<mihpayid number> sent. by PayU	Indicates PayU’s transaction acknowledgment for a Consent transaction

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

Sample response

UPI Consent Transaction

The formatted response for UPI Consent Transaction is similar to the following:

Array
(
    [mihpayid] => 25600438037
    [mode] => UPI
    [status] => success
    [unmappedstatus] => captured
    [key] => smsplus
    [txnid] => 1
    [amount] => 1.00
    [discount] => 0.00
    [net_amount_debit] => 1
    [addedon] => 2025-10-14 11:14:34
    [productinfo] => Product Info
    [firstname] => Payu-Admin
    [lastname] => 
    [address1] => 
    [address2] => 
    [city] => 
    [state] => 
    [country] => 
    [zipcode] => 
    [email] => test@example.com
    [phone] => 1234567890
    [udf1] => 
    [udf2] => 
    [udf3] => 
    [udf4] => Executed Callback
    [udf5] => 
    [udf6] => 
    [udf7] => 
    [udf8] => 
    [udf9] => 
    [udf10] => 
    [hash] => 175508d5e19f64280f34d81b90afc010f9ffcd62a12ea286e72135a93220727654f9d87c778c828adfede3aaf2d1b0b71696906d04a589460ecef0a1172e5804
    [field1] => badshahgv-1@okaxis
    [field2] => ICIe68d1f01f2d34fc99ba3077af44f1e4c
    [field3] => badshahgv-1@okaxis
    [field4] => GAURAV  VERMA
    [field5] => 701874bccb514b108c3609e002478fbd@okaxis
    [field6] => 
    [field7] => 00|APPROVED OR COMPLETED SUCCESSFULLY
    [field8] => 
    [field9] => APPROVED OR COMPLETED SUCCESSFULLY|Completed Using Callback
    [payment_source] => sist
    [meCode] => {"pgMid":"9373547","merchantVpa":"bitspingtest.payu@icici"}
    [PG_TYPE] => UPI-PG
    [bank_ref_num] => 528788687631
    [bankcode] => UPI
    [error] => E000
    [error_Message] => No Error
    [rrn] => 528788687631
)

UPI Intent

The formatted response for UPI Intent:

{
  "metaData": {
    "message": "Merchant Integration Exception occurred",
    "referenceId": "d8a5cc66c66004df34788f651f19999a",
    "statusCode": "EX158",
    "txnId": "40d73a7d238e3cd98fef",
    "txnStatus": "failed",
    "unmappedStatus": "failure"
  },
  "result": {}
}

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 Set up WebHook to Receive Cancellation or Modification Update from the Issuer Bank

EXAMPLE QUESTIONS