UPI Integration

PayU allows you to collect payments using UPI handles with seamless integration. For the list of UPI providers supported, refer to UPI Handles.

Steps to Integrate:

1. Validate the UPI handle
2. Initiate the Payment to PayU
3. Verify the payment

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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.

Step 1: Validate the UPI handle

When your customer makes payment through UPI, you can validate the customer's Virtual Payment Address (VPA) and then initiate payment. The validateVpa API is used to validate the UPI handle. Validate the VPA (UPI handle) using the validateVpa API. For more information, refer to Validate VPA Handle API.

Step 2: Initiate the payment to PayU

The following parameters vary for the UPI payment mode in the Collect Payment API (v2/payments API).

Environment

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Reference:

For the Try It experience and response, refer to Collect Payments API under API Reference.

Request Header

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

The following table describes the request body parameters:

paymentMethod object

order object

callBackActions object

billingDetails object

additionalInfo object

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="<signature>"' \
--header 'Content-Type: application/json' \
--data-raw '{
    "accountId": "smsplus",
    "referenceId": "b5f2d8785768087678fn4",
    "currency": "INR",
    "paymentSource": "WEB",
    "paymentMethod": {
        "name": "UPI",
        "bankCode": "UPI"
    },
    "additionalInfo": {
        "vpa": "test@payu",
         "txnFlow": "seamless"
    },
    "order": {
        "productInfo": "qwertyuiopasdfghjkl",
        "userDefinedFields": {
            "udf1": "",
            "udf2": ""
        },
        "paymentChargeSpecification": {
            "price": "10"
        }
    },
    "callBackActions": {
        "successAction": "https://pp78admin.payu.in/test_response",
        "failureAction": "https://pp78admin.payu.in/test_response",
        "cancelAction": "https://pp78admin.payu.in/test_response"
    },
    "billingDetails": {
        "firstName": "John",
        "lastName": "",
        "phone": "9876543210",
        "email": "[email protected]",
        "city": "Bharatpur",
        "state": "Rajasthan",
        "country": "India",
        "zipCode": "321028"
    }
}'

Sample response

{
    "referenceId": "b5f2d8785768087678fm9",
    "paymentId": "1999110000001769",
    "message": "Please call verify api to get the transaction status"
}

Step 3: Verify the payment

After initiating the payment, you must verify the payment status using the Verify Payment API. For more information, refer to Verify Payment API.

The customer can complete the UPI payment through their UPI app, and you can verify the transaction status to confirm the payment.

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Note:

• The UPI transaction may take some time to complete
• Always verify the payment status before providing the service to the customer
• Use the referenceId from the initial request to track the transaction