BNPL Integration

Buy Now Pay Later (<<glossary:BNPL>>) allows your customers to spread their payments over a relatively short period instead of paying upfront. You can collect payments from customers with BNPL using the Merchant Hosted Checkout integration.

You need to ensure that BNPL for the paymentMethod.name parameter and BNPL code based on the provider and tenure for the paymentMethod.bankcode parameter is posted.

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Before you begin:

PayU recommends you to integrate with Test environment initially. For more information, contact you PayU Key Account Manager (KAM) or PayU Support.

Environment

Request header

ParameterDescription
dateThe current date and time. For example, format of the date is Wed, 28 Jun 2023 11:25:19 GMT.
authorizationThe actual HMAC signature generated using the specified algorithm (sha512) and includes the hashed data. For more information, refer to authorization fields description.

authorization fields description

FieldDescription
usernameRepresents the username or identifier for the client or merchant, for example smsplus.
algorithmUse SHA512 algorithm for hashing and send this as header value.
headersSpecifies which headers have been used in generating the hash, for example date.
signatureThe HMAC signature generated using the specified algorithm. For more information, refer to hashing algorithm.

hashing algorithm

You must hash the request parameters using the following hash logic:

Hash logic: sha512(<Body data> + '|' + date + '|' + merchant_secret)

Where <Body data> contains the request body posted with the request.

Sample header code
var merchant_key = 'smsplus';
var merchant_secret = 'izF09TlpX4ZOwmf9MvXijwYsBPUmxYHD';
// date
var date = new Date();
date = date.toUTCString();

// authorization
var authorization = getAuthHeader(date);

function getAuthHeader(date) {
    var AUTH_TYPE = 'sha512';
    var data = isEmpty(request['data']) ? "" : request['data'];
    var hash_string = data + '|' + date + '|' + merchant_secret;
    var hash = CryptoJS.SHA512(hash_string).toString(CryptoJS.enc.Hex);
    return `hmac username="${merchant_key}", algorithm="${AUTH_TYPE}", headers="date", signature="${hash}"`;
}

Request body

Parameter Description Example

accountId
mandatory

String The merchant key provided by PayU during onboarding.

MERCHANT123

txnId
mandatory

String Transaction ID for transaction tracking and this must be unique for every transaction.

REF123456

paymentMethod
mandatory

Object Details about the payment method used. For more information, refer to paymentMethod object fields description.

{
"name": "NetBanking",
"bankCode": "TESTNB"
}

order
mandatory

Object Details about the transaction order including product information, ordered items, user-defined fields, and payment charge specifications. For more information, refer to order object fields description

additionalInfo
mandatory

Object Additional information including enforced payment methods, single instalment, virtual payment address (VPA), and various options for user preferences during the transaction. For more information, refer to additionalInfo object fields description

callBackActions
mandatory

Object Actions to perform on the payment server in different scenarios. For example, success, failure, cancellation, cash on delivery, etc. For more information, refer to callbackActions object fields description

billingDetails
mandatory

Object Billing details of the customer including name, address, phone number, email, etc. For more information, refer to billingDetails object field descriptions.

paymentMethod object fields description

paymentMethod object
Field Description

name
mandatory

String This field must contain the payment mode code. For more information, refer to Payment Mode Codes. For BNPL, this must contain BNPL.

bankCode
mandatory

StringThis field must contain the bank code. For BNPL bank codes, refer to BNPL Codes.

order object

order object
Parameter Description Example
productInfo
mandatory
Product details. Product details
orderedItem
optional
Details about the items ordered. Array of Objects
userDefinedFields
optional
Custom fields for additional information. Fields: udf1, udf2, udf3, udf4, udf5, udf6, udf7, udf8, udf9, udf10. For more information, refer to Object
paymentChargeSpecification
mandatory
Includes amount and charges. For more information, refer to paymentChargeSpecification object fields description Object
paymentChargeSpecification object fields description
Parameter Description Example
price
mandatory
The transaction amount. 1000
netAmountDebit
optional
Net amount to be debited. 1000
taxSpecification
optional
Tax details of the product/order. Object
convenienceFee
optional
Fees format (e.g., CC:12). CC:12
offers
optional
Offers applied or available for the payment. Object
userDefinedFields object fields description
FieldDescription
udf1User defined field.
udf2User defined field.
udf3User defined field.
udf4User defined field.
udf5User defined field.
udf6User defined field.
udf7User defined field.
udf8User defined field.
udf9User defined field.
udf10User defined field.

callBackActions object

callBackActions object
Parameter Description Example
successAction
mandatory
URL to be called on payment success. https://example.com/success
failureAction
mandatory
URL to be called on payment failure. https://example.com/failure
cancelAction
mandatory
URL to be called if user cancels the payment. https://example.com/cancel
codAction
optional
URL for Cash on Delivery (COD) action. https://example.com/cod

billingDetails object

billingDetails object
Parameter Description Example
firstName
mandatory
First name of the billing contact. Ashish
lastName
optional
Last name of the billing contact. Kumar
address1
mandatory
Primary billing address. 123 Main Street
address2
optional
Secondary billing address. Apt 4B
phone
optional
Phone number of the billing contact. 9123456789
email
mandatory
Email address of the billing contact. [email protected]
city
optional
City of the billing address. Bharatpur
state
optional
State of the billing address. Rajasthan
country
optional
Country of the billing address. India
zipCode
optional
Postal/Zip code of the billing address. 321028

additionalInfo object

Additional Info Object
Parameter Description Example
partnerHoldTime
optional
Time held by the partner for the transaction. 60
createOrder
optional
A flag to store the order details (true/false). true
txnFlow
optional
For defining seamless/non-seamless flows in handling payments. seamless

Sample request

curl --location 'https://apitest.payu.in/v2/payments' \
--header 'date: Thu, 27 Mar 2025 10:12:27 GMT' \
--header 'authorization: hmac username="smsplus", algorithm="sha512", headers="date", signature="ec84843a663143bb89391f6fa2d4b9404bab1543a3eee81263b4a507ebf5d289d8fad1fbcdd59da820951e3e0f9b0b0b3d1bad9b41338804e7c42a8a6197c6e9"' \
--header 'Content-Type: application/json' \
--header 'Cookie: PHPSESSID=sclorpmpb4ngion5e996os22ao' \
--data-raw '{
    "accountId": "smsplus",
    "referenceId": "b5f2d8785768087678fn4",
    "amount": 10,
    "currency": "INR",
    "paymentSource": "WEB",
    "paymentMethod": {
        "name": "BNPL",	
        "bankCode": "LAZYPAY" 		
     },
    "order": {
        "productInfo": "qwertyuiopasdfghjkl",
        "userDefinedFields": {
            "udf1": "",
            "udf2": "",
            "udf3": "",
            "udf4": "",
            "udf5": "",
            "udf6": "",
            "udf7": "",
            "udf8": "",
            "udf9": "",
            "udf10": ""
        },
        "paymentChargeSpecification": {
            "price": 10
        }
    },
    "additionalInfo": {
        "txnS2sFlow": "4",
        "createOrder": "false"
    },
    "callBackActions": {
        "successAction": "https://apitest.payu.in/test_response",
        "failureAction": "https://apitest.payu.in/test_response",
        "cancelAction": "https://apitest.payu.in//test_response"
    },
    "billingDetails": {
        "firstName": "sartaj",
        "lastName": "",
        "phone": "9876543210",
        "email": "[email protected]",
        "city": "Bharatpur",
        "state": "Rajasthan",
        "country": "India",
        "zipCode": "321028"
    }
}'

Response parameters

Parameter Description

referenceId

This parameter contains the reference ID of the transaction.
statusCode

paymentId

This parameter contains the payment ID of the transaction.
statusCode

message

This parameter contains the status message of the transaction.

Sample response

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Note:

Reverse hashing of the response is not required with that of v2/payment API.

Array
(
    [referenceId] => b5f2d8785768087678fm9
    [paymentId] => 1999110000001769
    [message] => Please call verify api to get the transaction status
)

Step 2: Verify the payment

Verify the transaction details using the Verification APIs. For API reference, refer to Verify Payment API under API Reference.

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Tip

The transaction ID that you posted in Step 1 with PayU must be used here.