Net Banking Integration

This document provides a comprehensive guide for integrating with PayU Net Banking Seamless Integration v2 using the v2/payments API. The seamless integration allows you to process Net Banking payments directly through server-to-server communication, providing a streamlined payment experience while maintaining control over the user interface.

Integration Overview

The v2 Net Banking seamless integration consists of two main steps:

Create the payment request to PayU's v2/payments API with Net Banking payment method
Verify the payment status using the verification API

Step 1: Create the Payment Request

Environment


Test Environment	https://apitest.payu.in/v2/payments
Production Environment	https://api.payu.in/v2/payments>

Request Headers

Parameter	Description
date	The current date and time. For example, format of the date is Wed, 28 Jun 2023 11:25:19 GMT.
authorization	The 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

Field	Description
username	Represents the username or identifier for the client or merchant, for example smsplus.
algorithm	Use SHA512 algorithm for hashing and send this as header value.
headers	Specifies which headers have been used in generating the hash, for example date.
signature	The 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 Parameters

The v2/payments API request for Net Banking seamless integration contains the following main parameters:

Parameter	Description	Example
accountId `mandatory`	Merchant key provided by PayU. Character limit: 50	`"smsplus"`
txnId `mandatory`	Unique transaction ID for the transaction. Character limit: 50	`"REF_123456789"`
paymentMethod `mandatory`	Net Banking payment method details. See paymentMethod object	`{"name": "NetBanking", "bankCode": "EFTAXIS"}`
order `mandatory`	Order details containing product information and pricing. See order object	`{"productInfo": "Net Banking Payment", "paymentChargeSpecification": {"price": 10000.00}}`
billingDetails `mandatory`	Customer billing information. See billingDetails object	`{"firstName": "John", "email": "[email protected]", "phone": "9876543210"}`
callBackActions `optional`	Callback URLs for different payment outcomes. See callBackActions object	`{"successAction": "https://merchant.com/success", "failureAction": "https://merchant.com/failure"}`
additionalInfo `mandatory`	Additional transaction parameters including flow type. See additionalInfo object	`{"txnFlow": "seamless", "enforcePaymethod": "NB"}`
beneficiaryDetail `mandatory`	Beneficiary account details for Net Banking transfer. See beneficiaryDetail object	`{"beneficiaryName": "Merchant Account", "beneficiaryAccountNumber": "1234567890", "beneficiaryAccountType": "SAVINGS"}`

Payment Method Object

For Net Banking seamless integration, the payment method object should contain:

Parameter	Type	Description	Required
`name`	String	Must be "NetBanking" for Net Banking payments	Yes
`bankCode`	String	Specific bank code for the selected bank (e.g., "TESTNB", "SBIN", "HDFC")	Yes

Example:

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

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

Field	Description
udf1	User defined field.
udf2	User defined field.
udf3	User defined field.
udf4	User defined field.
udf5	User defined field.
udf6	User defined field.
udf7	User defined field.
udf8	User defined field.
udf9	User defined field.
udf10	User defined field.

Payment Charge Specification Object

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

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
txnS2sFlow `optional`	For defining seamless/non-seamless flows in handling payments.	seamless

Callback Actions 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

Billing Details 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

Sample request

curl -X POST \
  https://apitest.payu.in/v2/payments \
  -H 'date: Mon, 05 Oct 2024 11:00:00 GMT' \
  -H 'authorization: HMAC smsplus:4d1ea4e74243ea5b2b5b8b1d8a7b1a2e3c4d5e6f7a8b9c0d1e2f3a4b5c6d7e8f9' \
  -H 'content-type: application/json' \
  -d '{
  "accountId": "smsplus",
  "referenceId": "REF_" + Math.random().toString(36).substring(7),
  "paymentMethod": {
    "name": "NetBanking",
    "bankCode": "EFTAXIS"
  },
  "order": {
    "productInfo": "Net Banking Payment",
    "paymentChargeSpecification": {
      "price": 10000.00,
      "convenienceFee": "NB:15"
    },
    "userDefinedFields": {
      "udf1": "Net Banking Transaction",
      "udf2": "Seamless Payment"
    }
  },
  "billingDetails": {
    "firstName": "John",
    "lastName": "Doe",
    "email": "[email protected]",
    "phone": "9876543210",
    "address": "123 Main Street",
    "city": "New Delhi",
    "state": "Delhi",
    "country": "India",
    "zipCode": "110001"
  },
  "callBackActions": {
    "successAction": "https://merchant.com/success",
    "failureAction": "https://merchant.com/failure",
    "cancelAction": "https://merchant.com/cancel"
  },
  "additionalInfo": {
    "txnFlow": "seamless",
    "createOrder": true,
    "enforcePaymethod": "NB",
    "txnS2sFlow": "2"
  },
  "beneficiaryDetail": {
    "beneficiaryName": "Merchant Account",
    "beneficiaryAccountNumber": "1234567890",
    "beneficiaryAccountType": "SAVINGS"
  }
}'

Sample response

{
  "result": {
    "paymentId": "1999110000001769",
    "redirectUrl": "https://secure.payu.in/ResponseHandler.php",
    "authAction": "https://apitest.payu.in/v2/payments/1999110000001769/auth"
  },
  "status": "PENDING"
}

Step 2: Verify the Payment

After the payment is processed, you must verify the payment status using the verification API to get the final transaction status.

Environment

Environment	URL
Test	`https://test.payu.in/v3/transaction`
Production	`https://api.payu.in/v3/transaction`

Sample request

curl --location 'https://test.payu.in/v3/transaction' \
--header 'Content-Type: application/json' \
--header 'date: Thu, 27 Mar 2025 06:35:21 GMT' \
--header 'authorization: hmac username="PRiQvJ", algorithm="sha512", headers="date", signature="42a54cc7450fe1e7a3cf35ebfaed1b828e37062964266fd33186c7b2526e85e3ea2d46946a728ca50e46423ea9a6b2edb8c1315b58fa69297e1e91d3d34804a1"' \
--header 'Info-Command: verify_payment' \
--data '{
    "txnId":["512345678901234"]
}'

Sample response

{
  "message": "Success",
  "status": 1,
  "result": [
    {
      "mihpayId": 1999110000001769,
      "bankReferenceNumber": "NB12345678",
      "amount": 100.00,
      "mode": "NB",
      "requestId": "",
      "originalAmount": 100.00,
      "additionalCharges": 0.00,
      "discount": 0.00,
      "netDebitAmount": 100.00,
      "productInfo": "Net Banking Test Product",
      "firstName": "John",
      "bankcode": "TESTNB",
      "udf1": null,
      "udf2": null,
      "udf3": null,
      "udf4": null,
      "udf5": null,
      "field2": "140455",
      "field9": "Transaction is Successful",
      "errorCode": "E000",
      "errorMessage": "No Error",
      "addedOn": "2024-11-19 21:17:55",
      "settledAt": "0000-00-00 00:00:00",
      "paymentSource": "WEB",
      "pgType": "NB-PG",
      "status": "success",
      "unmappedStatus": "captured",
      "merchantUTR": null,
      "originalCurrency": "INR",
      "message": "Found TxnId",
      "txnId": "b5f2d8785768087678fn4"
    }
  ]
}