Integration Guide
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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:

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

Step 1: Create the Payment Request

Environment

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

Request Headers

Request Headers
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 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

Payment Method Object

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

ParameterTypeDescriptionRequired
nameStringMust be "NetBanking" for Net Banking paymentsYes
bankCodeStringSpecific bank code for the selected bank (e.g., "TESTNB", "SBIN", "HDFC")Yes

Example:

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

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.

Payment Charge Specification Object

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

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

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

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

EnvironmentURL
Testhttps://test.payu.in/v3/transaction
Productionhttps://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"
    }
  ]
}

Updated 28 days ago

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