Collect Payment API - PayU Hosted v2 Payment

The PayU v2 Payment API enables merchants to process payments through a hosted checkout flow where customers are redirected to PayU's payment page to complete the transaction.

📘
Note: This documentation covers the non-seamless (hosted checkout) integration. For seamless payment flows where payment details are collected on your checkout page, refer to Collect Payment API - Merchant Hosted & S2S.

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 = '<YOUR_TEST_KEY>';
  var merchant_secret = 'YOUR_TEST_SALT';
  // 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

All the parameters are mandatory.

Parameter	Description	Example
accountId	Merchant key provided by PayU. Type: `String`. Character limit: 50	`MERCHANT123`
currency	Transaction currency code (e.g. `INR`). Type: `String`. Character limit: 3	`INR`
txnId	Unique transaction ID generated by merchant. Type: `String`. Character limit: 50	`TXN_20261005_001`
order	Order details containing product info and pricing. Type: `Object`. See order object.
billingDetails	Customer billing information. Type: `Object`. See billingDetails object.
callBackActions	Redirection callback URLs. Type: `Object`. See callBackActions object.
additionalInfo	Flow and routing configuration. Type: `Object`. See additionalInfo object.

order Object

Parameter	Description	Example
productInfo `mandatory`	Product details. Type: `String`	Product details
orderedItem `optional`	Details about the items ordered. Type: `Array of Objects`
userDefinedFields `optional`	Custom fields for additional information. Type: `Object`. Fields: udf1, udf2, udf3, udf4, udf5, udf6, udf7, udf8, udf9, udf10.
paymentChargeSpecification `mandatory`	Includes amount and charges. Type: `Object`. For more information, refer to paymentChargeSpecification object fields description

paymentChargeSpecification object fields description

Parameter	Description	Example
price `mandatory`	The transaction amount. Type: `Number`	1000
netAmountDebit `optional`	Net amount to be debited. Type: `Number`	1000
taxSpecification `optional`	Tax details of the product/order. Type: `Object`
convenienceFee `optional`	Fees format. Type: `String`	CC:12
offers `optional`	Offers applied or available for the payment. Type: `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.

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

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

additionalInfo Object

Parameter	Description	Example
txnFlow `mandatory`	Specifies hosted checkout mode. Must be set to `"nonseamless"`.	nonseamless
createOrder `optional`	Flag to create and store order details in PayU order management (`true` / `false`).	true
orderId `optional`	Merchant order identifier, recommended when `createOrder` is set to `true`.	ORDER_98765
enforcePaymethod `optional`	Filters the payment options presented on the PayU hosted checkout page (e.g., `"CC,NB,UPI"`).	CC,NB,UPI

Sample Request

📘
Plugin for Development Environment:
PayU provides plugin for VS Code and IntelliJ IDEA development environment for faster integration. For more information, refer to Plugins for Development Environment.

curl -X POST 'https://apitest.payu.in/v2/payments' \
  -H 'date: Mon, 05 Oct 2026 10:00:00 GMT' \
  -H 'authorization: hmac username="<YOUR_TEST_KEY>", algorithm="sha512", headers="date", signature="<SIGNATURE>"' \
  -H 'content-type: application/json' \
  -d '{
  "accountId": "<YOUR_TEST_KEY>",
  "txnId": "TXN_20261005_001",
  "currency": "INR",
  "order": {
    "productInfo": "iPhone 13",
    "paymentChargeSpecification": {
      "price": 25000.00,
      "convenienceFee": "CC:12,AMEX:19"
    },
    "userDefinedFields": {
      "udf1": "value1",
      "udf2": "value2"
    }
  },
  "billingDetails": {
    "firstName": "John",
    "lastName": "Doe",
    "email": "[email protected]",
    "phone": "9876543210",
    "address1": "123 Main Street",
    "city": "New Delhi",
    "state": "Delhi",
    "country": "India",
    "zipCode": "110001"
  },
  "callBackActions": {
    "successAction": "<redacted URL>",
    "failureAction": "<redacted URL>",
    "cancelAction": "<redacted URL>"
  },
  "additionalInfo": {
    "txnFlow": "nonseamless",
    "createOrder": true,
    "orderId": "ORDER_98765",
    "enforcePaymethod": "CC,NB,UPI"
  }
}'

import requests
import json

url = "https://apitest.payu.in/v2/payments"

headers = {
    "date": "Mon, 05 Oct 2026 10:00:00 GMT",
    "authorization": 'hmac username="<YOUR_TEST_KEY>", algorithm="sha512", headers="date", signature="<SIGNATURE>"',
    "content-type": "application/json"
}

payload = {
    "accountId": "<YOUR_TEST_KEY>",
    "txnId": "TXN_20261005_001",
    "currency": "INR",
    "order": {
        "productInfo": "iPhone 13",
        "paymentChargeSpecification": {
            "price": 25000.00
        },
        "userDefinedFields": {
            "udf1": "value1",
            "udf2": "value2"
        }
    },
    "billingDetails": {
        "firstName": "John",
        "lastName": "Doe",
        "email": "[email protected]",
        "phone": "9876543210",
        "address1": "123 Main Street",
        "city": "New Delhi",
        "state": "Delhi",
        "country": "India",
        "zipCode": "110001"
    },
    "callBackActions": {
        "successAction": "<redacted URL>",
        "failureAction": "<redacted URL>",
        "cancelAction": "<redacted URL>"
    },
    "additionalInfo": {
        "txnFlow": "nonseamless",
        "createOrder": True
    }
}

response = requests.post(url, headers=headers, json=payload)
print(response.json())

<?php
$url = "https://apitest.payu.in/v2/payments";

$payload = json_encode([
    "accountId" => "<YOUR_TEST_KEY>",
    "txnId" => "TXN_20261005_001",
    "currency" => "INR",
    "order" => [
        "productInfo" => "iPhone 13",
        "paymentChargeSpecification" => [
            "price" => 25000.00
        ]
    ],
    "billingDetails" => [
        "firstName" => "John",
        "lastName" => "Doe",
        "email" => "[email protected]",
        "phone" => "9876543210",
        "address1" => "123 Main Street",
        "city" => "New Delhi",
        "state" => "Delhi",
        "country" => "India",
        "zipCode" => "110001"
    ],
    "callBackActions" => [
        "successAction" => "<redacted URL>",
        "failureAction" => "<redacted URL>",
        "cancelAction" => "<redacted URL>"
    ],
    "additionalInfo" => [
        "txnFlow" => "nonseamless",
        "createOrder" => true
    ]
]);

$ch = curl_init($url);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, [
    "date: Mon, 05 Oct 2026 10:00:00 GMT",
    "authorization: hmac username=\"<YOUR_TEST_KEY>\", algorithm=\"sha512\", headers=\"date\", signature=\"<SIGNATURE>\"",
    "content-type: application/json"
]);
curl_setopt($ch, CURLOPT_POSTFIELDS, $payload);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);

$response = curl_exec($ch);
curl_close($ch);

echo $response;
?>

import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;

public class PayUHostedRequest {
    public static void main(String[] args) throws Exception {
        HttpClient client = HttpClient.newHttpClient();
        
        String payload = """
            {
              "accountId": "<YOUR_TEST_KEY>",
              "txnId": "TXN_20261005_001",
              "currency": "INR",
              "order": {
                "productInfo": "iPhone 13",
                "paymentChargeSpecification": {
                  "price": 25000.00
                }
              },
              "billingDetails": {
                "firstName": "John",
                "lastName": "Doe",
                "email": "[email protected]",
                "phone": "9876543210",
                "address1": "123 Main Street",
                "city": "New Delhi",
                "state": "Delhi",
                "country": "India",
                "zipCode": "110001"
              },
              "callBackActions": {
                "successAction": "<redacted URL>",
                "failureAction": "<redacted URL>",
                "cancelAction": "<redacted URL>"
              },
              "additionalInfo": {
                "txnFlow": "nonseamless",
                "createOrder": true
              }
            }
            """;
        
        HttpRequest request = HttpRequest.newBuilder()
            .uri(URI.create("https://apitest.payu.in/v2/payments"))
            .header("date", "Mon, 05 Oct 2026 10:00:00 GMT")
            .header("authorization", "hmac username=\"<YOUR_TEST_KEY>\", algorithm=\"sha512\", headers=\"date\", signature=\"<SIGNATURE>\"")
            .header("content-type", "application/json")
            .POST(HttpRequest.BodyPublishers.ofString(payload))
            .build();
        
        HttpResponse<String> response = client.send(request, HttpResponse.BodyHandlers.ofString());
        System.out.println(response.body());
    }
}

const url = "https://apitest.payu.in/v2/payments";

const payload = {
  accountId: "<YOUR_TEST_KEY>",
  txnId: "TXN_20261005_001",
  currency: "INR",
  order: {
    productInfo: "iPhone 13",
    paymentChargeSpecification: {
      price: 25000.00
    }
  },
  billingDetails: {
    firstName: "John",
    lastName: "Doe",
    email: "[email protected]",
    phone: "9876543210",
    address1: "123 Main Street",
    city: "New Delhi",
    state: "Delhi",
    country: "India",
    zipCode: "110001"
  },
  callBackActions: {
    successAction: "<redacted URL>",
    failureAction: "<redacted URL>",
    cancelAction: "<redacted URL>"
  },
  additionalInfo: {
    txnFlow: "nonseamless",
    createOrder: true
  }
};

fetch(url, {
  method: "POST",
  headers: {
    "date": "Mon, 05 Oct 2026 10:00:00 GMT",
    "authorization": 'hmac username="<YOUR_TEST_KEY>", algorithm="sha512", headers="date", signature="<SIGNATURE>"',
    "content-type": "application/json"
  },
  body: JSON.stringify(payload)
})
  .then(res => res.json())
  .then(data => console.log(data))
  .catch(err => console.error("Error:", err));

Response parameters

Parameter	Description
message	This parameter contains the status message of the transaction.
status	This parameter returns the status of web service call. The status can be any of the following: `0` - If web service call failed. `1` - If web service call succeeded.
result	This parameter contains the payment status details in a JSON format including payment ID of the transaction. For more detailes, refer to the result JSON Object fields description table (next accordion)

Sample Response

Upon a successful initiation call, PayU responds with status: "PENDING" and returns a checkoutUrl to redirect the customer:

{
  "status": "PENDING",
  "result": {
    "checkoutUrl": "<redacted URL>"
  },
  "txnId": "TXN_20261005_001",
  "orderId": "ORDER_98765",
  "message": "Transaction initiated successfully"
}

Verify Payment

⚠️
Important
After the customer completes payment on PayU's hosted checkout page, you must call the Verify Payment API using your txnId to determine the authoritative payment status before fulfilling the order.

Error Codes

Code	HTTP Status	Description	Resolution
`INVALID_AMOUNT`	400	Invalid or missing price	Verify `paymentChargeSpecification.price` is a valid positive number
`INVALID_CURRENCY`	400	Unsupported currency code	Set `currency: "INR"`
`AUTHENTICATION_FAILED`	401	Invalid HMAC signature or key	Check date header and signature calculation
`DUPLICATE_REFERENCE`	409	txnId has already been used	Send a new unique `txnId`
`PAYMENT_DECLINED`	422	Payment declined	Ask customer to retry with another method

Next Steps

Redirect Customer to Checkout:
- Redirect the customer to the result.checkoutUrl returned by PayU to render the responsive, hosted payment page.
Handle Return URLs:
- Intercept the browser redirect at your callBackActions.successAction or failureAction URLs when the customer finishes their payment.
Verify Payment Integrity:
- Validate the response hash and confirm the final state with the Verify Payment API.
Order Tracking:
- If additionalInfo.createOrder was enabled, correlate the PayU orderId with your internal shopping cart for post-order fulfillment.(https://docs.payu.in/v2/reference/v2_verify_payment_api/).

Request header

authorization fields description

hashing algorithm

Request parameters

order Object

paymentChargeSpecification object fields description

userDefinedFields object fields description

billingDetails Object

callBackActions Object

additionalInfo Object

Sample Request

Plugin for Development Environment:

Response parameters

Sample Response

Verify Payment

Important

Error Codes

Next Steps

EXAMPLE QUESTIONS