You can collect payments from customers with leading wallets using the Merchant Hosted integration. You need to ensure that CreditCard or DebitCard for the paymentMethod.name parameter and card code based on the desired card provider for the paymentMethod.bankcode parameter is posted.
Note:PayU accepts domestic and international transactions, but international transactions need to be enabled by writing to PayU Integration Team ([email protected]).
Environment
Test Environment | https://apitest.payu.in/v2/payments |
Production Environment | https://api.payu.in/v2/payments> |
Request header
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 body
Parameter | Description | Example |
---|---|---|
accountIdmandatory |
Represents the merchant key provided by PayU during onboarding. | MERCHANT123 |
txnIdmandatory |
Transaction ID for transaction tracking. Must be unique for every transaction. | TXN123456 |
paymentMethodmandatory |
Contains details of the payment method. For more information, refer to paymentMethod object fields description. | Object |
ordermandatory |
Contains transaction order details such as product info, ordered items, user-defined fields, and payment charge details. For more information, refer to order Object. | Object |
additionalInfomandatory |
Additional metadata for the transaction. For more information, refer to additionalInfo Object. | Object |
callBackActionsmandatory |
URL actions for payments (e.g., success, failure, cancel). For more information, refer to callBackActions Object. | Object |
billingDetailsmandatory |
Customer billing details including name, phone, and address. For more information, refer to billingDetails Object. | Object |
authorizationmandatory |
Authorization details for the payment process, including 3DS metadata. For more information, refer to authorization Object. | Object |
paymentMethod object fields description
Parameter | Description | Example |
---|---|---|
namemandatory |
Represents the payment method used. For credit card, include CreditCard. | CreditCard |
bankCodemandatory |
Contains the bank code. Valid values: CC, MAST, VISA. | CC |
paymentCardmandatory for cards |
Contains physical card or saved card details. For more information, refer to | Object |
paymentCard object fields description
Parameter | Description | Example |
---|---|---|
cardNumbermandatory for physical card |
Card number. | 5497774415170603 |
validThroughmandatory for physical card |
Expiry date in MM/YYYY format. | 05/2025 |
ownerNameoptional |
Name of the card owner. | Ashish |
cvvmandatory for physical card |
CVV number of the card. | 123 |
tavvmandatory for saved card |
Cryptogram of the card for tokenized payments. | AAABAWFlmQAAAABjRWWZEEFgFz |
last4Digitsmandatory for saved card |
Last four digits of the card. | 0603 |
cardTokenTypemandatory for saved card |
Card token type. Valid values: PAYU, NETWORK, ISSUER. | PAYU |
cardTokenmandatory for saved card |
Card token of the stored card. | b5f2d8785768087678fm9 |
order object fields description
Parameter | Description | Example |
---|---|---|
productInfomandatory |
Product details. | Product details |
orderedItemoptional |
Details about the items ordered. | Array of Objects |
userDefinedFieldsoptional |
Custom fields for additional information. Fields: udf1, udf2, udf3, udf4, udf5, udf6, udf7, udf8, udf9, udf10. For more information, refer to | Object |
paymentChargeSpecificationmandatory |
Includes amount and charges. For more information, refer to paymentChargeSpecification object fields description | Object |
paymentChargeSpecification object fields description
Parameter | Description | Example |
---|---|---|
pricemandatory |
The transaction amount. | 1000 |
netAmountDebitoptional |
Net amount to be debited. | 1000 |
taxSpecificationoptional |
Tax details of the product/order. | Object |
convenienceFeeoptional |
Fees format (e.g., CC:12). | CC:12 |
offersoptional |
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. |
additionalInfo object fields description
Parameter | Description | Example |
---|---|---|
enforcePaymethodoptional |
Force a transaction with a specified method (e.g., CC, DC). | CC |
forcePgidoptional |
Forces identification for payment gateway. | PG123 |
partnerHoldTimeoptional |
Time held by the partner for the transaction. | 60 |
userCredentialsoptional |
Credentials for user authentication. | string |
userTokenoptional |
Token for the customer. | user_token_123 |
subventionAmountoptional |
Amount paid through EMI subvention payments. | 100 |
authOnlyoptional |
Initiates an authentication-only payment (true/false). | false |
createOrderoptional |
A flag to store the order details (true/false). | true |
txnS2sFlowoptional |
For defining seamless/non-seamless flows in handling payments. | seamless |
callBackActions object fields description
Parameter | Description | Example |
---|---|---|
successActionmandatory |
URL to be called on payment success. | https://example.com/success |
failureActionmandatory |
URL to be called on payment failure. | https://example.com/failure |
cancelActionmandatory |
URL to be called if user cancels the payment. | https://example.com/cancel |
codActionoptional |
URL for Cash on Delivery (COD) action. | https://example.com/cod |
billingDetails object fields description
Parameter | Description | Example |
---|---|---|
firstNamemandatory |
First name of the billing contact. | Ashish |
lastNameoptional |
Last name of the billing contact. | Kumar |
address1mandatory |
Primary billing address. | 123 Main Street |
address2optional |
Secondary billing address. | Apt 4B |
phoneoptional |
Phone number of the billing contact. | 9123456789 |
emailmandatory |
Email address of the billing contact. | [email protected] |
cityoptional |
City of the billing address. | Bharatpur |
stateoptional |
State of the billing address. | Rajasthan |
countryoptional |
Country of the billing address. | India |
zipCodeoptional |
Postal/Zip code of the billing address. | 321028 |
authorization object fields description
Parameter | Description | Example |
---|---|---|
ecioptional |
Electronic Commerce Indicator. | 05 |
cavvoptional |
Cardholder Authentication Verification Value. | AAABAWFlmQAAAABjRWWZEEFgFz |
paresoptional |
Payer Authentication Response for 3D Secure 1.0. | eJzVWFmTokoWfrMABXXOtgSL... |
bankDataoptional |
Additional bank data for processing the payment. | fGpDiuSMy8FjxQHDla5kFwVr |
messageDigestoptional |
Security hash value for message verification. | 3a4df2b5c8e7f9a1d6b0c3e9 |
xidoptional |
Transaction identifier for 3D Secure authentication. | MDAwMDAwMDAwMDAwMDAwMDEyMzQ= |
threeDSenrolledoptional |
Indicates if the card is enrolled in 3D Secure. | Y |
threeDSstatusoptional |
Status of the 3D Secure authentication. | SUCCESS |
flowTypeoptional |
Flow type for 3D Secure. | Frictionless |
threeDSTransIDoptional |
3DS Transaction ID. | 67b4c71f-19bf-4d97-bd09-4e3687dc9e42 |
threeDSServerTransIDoptional |
3DS Server Transaction ID. | eea30d14-71cf-41af-b961-f95b7d67dc93 |
threeDSTransStatusoptional |
3DS transaction status. | Y |
threeDSTransStatusReasonoptional |
Reason for 3DS transaction status. | 01 |
aquirer_binoptional |
Bank Identification Number of the acquirer. | 401200 |
additionalInfooptional |
Object containing additional authorization information including payment gateway identifier, authentication flow, 3DS2 request data, and user-defined fields. | Object |
additionalInfo.paymentGatewayIdentifieroptional |
Identifier for the payment gateway. | gateway_123 |
additionalInfo.authenticationFlowoptional |
Type of authentication flow used. | 3DS2 |
additionalInfo.threeDS2RequestDataoptional |
Object containing 3DS2 request data. | {} |
additionalInfo.authUdf1optional |
User-defined field 1 for additional authorization data. | custom_value_1 |
additionalInfo.authUdf2optional |
User-defined field 2 for additional authorization data. | custom_value_2 |
additionalInfo.authUdf3optional |
User-defined field 3 for additional authorization data. | custom_value_3 |
additionalInfo.authUdf4optional |
User-defined field 4 for additional authorization data. | custom_value_4 |
additionalInfo.authUdf5optional |
User-defined field 5 for additional authorization data. | custom_value_5 |
additionalInfo.authUdf6optional |
User-defined field 6 for additional authorization data. | custom_value_6 |
additionalInfo.authUdf7optional |
User-defined field 7 for additional authorization data. | custom_value_7 |
additionalInfo.authUdf8optional |
User-defined field 8 for additional authorization data. | custom_value_8 |
additionalInfo.authUdf9optional |
User-defined field 9 for additional authorization data. | custom_value_9 |
additionalInfo.authUdf10optional |
User-defined field 10 for additional authorization data. | custom_value_10 |
threeDS2RequestData
Parameter | Description | Example |
---|---|---|
threeDSVersionoptional |
The version of 3D Secure used. | 2.2.0 |
deviceChanneloptional |
The device used for the transaction channel. | APP |
Sample request
{
"accountId": "smsplus",
"txnId": "b5f2d8785768087678fm9",
"amount": "1000",
"paymentMethod": {
"name": "CreditCard",
"bankCode": "CC",
"paymentCard": {
"cardNumber": "5497774415170603",
"validThrough": "05/2025",
"cvv": "123",
"ownerName": "Ashish"
}
},
"order": {
"productInfo": "Product details",
"orderedItem": [
{
"itemId": "1",
"description": "Product A",
"quantity": 1,
"amount": 1000
}
],
"userDefinedFields": {
"udf1": "test1",
"udf2": "test2",
"udf3": "test3",
"udf4": "test4",
"udf5": "test5"
},
"paymentChargeSpecification": {
"price": "1000"
}
},
"additionalInfo": {
"enforcePaymethod": "CC",
"createOrder": true,
"authOnly": false
},
"callBackActions": {
"successAction": "https://checkout.payu.in/testCB/success",
"failureAction": "https://checkout.payu.in/testCB/failure",
"cancelAction": "https://checkout.payu.in/testCB/cancel"
},
"billingDetails": {
"firstName": "Ashish",
"lastName": "Kumar",
"address1": "123 Main Street",
"phone": "9123456789",
"email": "[email protected]",
"city": "Bharatpur",
"state": "Rajasthan",
"country": "India",
"zipCode": "321028"
},
"authorization": {
"eci": "05",
"cavv": "AAABAWFlmQAAAABjRWWZEEFgFz",
"flowType": "Frictionless",
"threeDSTransID": "67b4c71f-19bf-4d97-bd09-4e3687dc9e42",
"threeDSServerTransID": "eea30d14-71cf-41af-b961-f95b7d67dc93",
"threeDSTransStatus": "Y",
"threeDSTransStatusReason": "01",
"aquirer_bin": "401200",
"additionalInfo": {
"authUdf1": "string",
"authUdf2": "string"
}
},
"threeDS2RequestData": {
"threeDSVersion": "2.2.0",
"deviceChannel": "APP"
}
}
Response parameters
Parameter | Description |
---|---|
txnId | This parameter contains the transaction ID of the transaction. |
paymentId | This parameter contains the payment ID of the transaction. |
message | This parameter contains the status message of the transaction. |
Sample response
Array
(
[txnId] => b5f2d8785768087678fm9
[paymentId] => 1999110000001769
[message] => Please call verify api to get the transaction status
)
Reference:To check the transaction status, refer toVerify Payment API.