EMI - v2 Payment API

Equated Monthly Installment (EMI) as a payment option gives your customers the affordability to purchase high-value products by dividing the purchase price across monthly installments.

You can collect EMI payments directly from customers using the Merchant Hosted (seamless) integration. Post "EMI" for paymentMethod.name, the corresponding bank and tenure code for paymentMethod.bankCode, and the card details in paymentMethod.paymentCard.

For the list of supported EMI bank and tenure codes, refer to EMI Codes.

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 body

All the parameters are mandatory.

Parameter	Description	Example
accountId	`String` The merchant key provided by PayU during onboarding.	MERCHANT123
txnId	`String` Unique transaction ID generated by merchant. Character limit: 50.	TXN_EMI_20261005
currency	`String` Currency code for payment. Must be `"INR"`.	INR
paymentMethod	`Object` Details about EMI method: • name: Must be "EMI" • bankCode: EMI tenure code (e.g., "EMI6", "HDFC03") • paymentCard: Card details object. For more information, refer to paymentMethod object fields description	{"name": "EMI", "bankCode": "EMI6"}
order	`Object` Details about the transaction order including product info and payment charge specification.	Refer to order section
additionalInfo	`Object` S2S flow configuration and transaction options.	Refer to additionalInfo object fields description.
callBackActions	`Object` Redirection URLs for payment outcomes.	Refer to callBackActions object fields description
billingDetails	`Object` Billing contact and address details of customer.	Refer to billingDetails object fields description

paymentMethod object fields description

Field	Description	Example
name `mandatory`	`String` Payment mode identifier. Must be set to `"EMI"`.	EMI
bankCode `mandatory`	`String` Tenure code based on card issuer and tenure duration. Refer to EMI Codes.	EMI6
paymentCard `mandatory for EMI`	`Object` Physical card details or saved card token. Refer to paymentCard object.	Refer to paymentCard section

paymentCard object fields description

Parameter	Description	Example
cardNumber `mandatory for physical card`	Card number.	5*77517**7
validThrough `mandatory for physical card`	Expiry date in MM/YYYY format.
ownerName `optional`	Name of the card owner.
cvv `mandatory for physical card`	CVV number of the card.	123
tavv `mandatory for saved card`	Cryptogram of the card for tokenized payments.	AAABA***mQAAAABjRWWZEEFgFz
last4Digits `mandatory for saved card`	Last four digits of the card.	0603
cardTokenType `mandatory for saved card`	Card token type. Valid values: PAYU, NETWORK, ISSUER.	PAYU
cardToken `mandatory for saved card`	Card token of the stored card.	b57857680876*m9

order object fields description

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.

additionalInfo object fields description

Parameter	Description	Example
txnS2sFlow `mandatory`	Transaction flow configuration. Set to `"4"` for seamless 3DS redirection.	4
createOrder `optional`	A boolean flag indicating whether to persist the order details in PayU (`true` / `false`).	true
enforcePaymethod `optional`	Restricts transaction mode. For EMI, set to `"EMI"`.	EMI

callBackActions object fields description

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

billingDetails object fields description

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 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_EMI_20261005",
    "currency": "INR",
    "paymentMethod": {
        "name": "EMI",
        "bankCode": "EMI6",
        "paymentCard": {
            "cardNumber": "5004461234560000",
            "validThrough": "12/2026",
            "ownerName": "John Doe",
            "cvv": "123"
        }
    },
    "order": {
        "productInfo": "EMI Payment for Electronics",
        "paymentChargeSpecification": {
            "price": 10000.00
        },
        "userDefinedFields": {
            "udf1": "laptop_emi",
            "udf2": "tenure_6m"
        }
    },
    "additionalInfo": {
        "txnS2sFlow": "4",
        "createOrder": true
    },
    "callBackActions": {
        "successAction": "<redacted URL>",
        "failureAction": "<redacted URL>",
        "cancelAction": "<redacted URL>"
    },
    "billingDetails": {
        "firstName": "John",
        "lastName": "Doe",
        "phone": "9876543210",
        "email": "[email protected]",
        "address1": "123 Main Street",
        "city": "Mumbai",
        "state": "Maharashtra",
        "country": "India",
        "zipCode": "400001"
    }
}'

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_EMI_20261005",
    "currency": "INR",
    "paymentMethod": {
        "name": "EMI",
        "bankCode": "EMI6",
        "paymentCard": {
            "cardNumber": "5004461234560000",
            "validThrough": "12/2026",
            "ownerName": "John Doe",
            "cvv": "123"
        }
    },
    "order": {
        "productInfo": "EMI Payment for Electronics",
        "paymentChargeSpecification": {
            "price": 10000.00
        },
        "userDefinedFields": {
            "udf1": "laptop_emi"
        }
    },
    "additionalInfo": {
        "txnS2sFlow": "4",
        "createOrder": True
    },
    "callBackActions": {
        "successAction": "<redacted URL>",
        "failureAction": "<redacted URL>",
        "cancelAction": "<redacted URL>"
    },
    "billingDetails": {
        "firstName": "John",
        "lastName": "Doe",
        "phone": "9876543210",
        "email": "[email protected]",
        "address1": "123 Main Street",
        "city": "Mumbai",
        "state": "Maharashtra",
        "country": "India",
        "zipCode": "400001"
    }
}

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_EMI_20261005",
    "currency" => "INR",
    "paymentMethod" => [
        "name" => "EMI",
        "bankCode" => "EMI6",
        "paymentCard" => [
            "cardNumber" => "5004461234560000",
            "validThrough" => "12/2026",
            "ownerName" => "John Doe",
            "cvv" => "123"
        ]
    ],
    "order" => [
        "productInfo" => "EMI Payment for Electronics",
        "paymentChargeSpecification" => [
            "price" => 10000.00
        ]
    ],
    "additionalInfo" => [
        "txnS2sFlow" => "4",
        "createOrder" => true
    ],
    "callBackActions" => [
        "successAction" => "<redacted URL>",
        "failureAction" => "<redacted URL>",
        "cancelAction" => "<redacted URL>"
    ],
    "billingDetails" => [
        "firstName" => "John",
        "lastName" => "Doe",
        "phone" => "9876543210",
        "email" => "[email protected]",
        "address1" => "123 Main Street",
        "city" => "Mumbai",
        "state" => "Maharashtra",
        "country" => "India",
        "zipCode" => "400001"
    ]
]);

$ch = curl_init($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 PayUEMIRequest {
    public static void main(String[] args) throws Exception {
        HttpClient client = HttpClient.newHttpClient();
        
        String payload = """
            {
              "accountId": "<YOUR_TEST_KEY>",
              "txnId": "TXN_EMI_20261005",
              "currency": "INR",
              "paymentMethod": {
                "name": "EMI",
                "bankCode": "EMI6",
                "paymentCard": {
                  "cardNumber": "5004461234560000",
                  "validThrough": "12/2026",
                  "ownerName": "John Doe",
                  "cvv": "123"
                }
              },
              "order": {
                "productInfo": "EMI Payment for Electronics",
                "paymentChargeSpecification": {
                  "price": 10000.00
                }
              },
              "additionalInfo": {
                "txnS2sFlow": "4",
                "createOrder": true
              },
              "callBackActions": {
                "successAction": "<redacted URL>",
                "failureAction": "<redacted URL>",
                "cancelAction": "<redacted URL>"
              },
              "billingDetails": {
                "firstName": "John",
                "lastName": "Doe",
                "phone": "9876543210",
                "email": "[email protected]",
                "address1": "123 Main Street",
                "city": "Mumbai",
                "state": "Maharashtra",
                "country": "India",
                "zipCode": "400001"
              }
            }
            """;
        
        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_EMI_20261005",
  currency: "INR",
  paymentMethod: {
    name: "EMI",
    bankCode: "EMI6",
    paymentCard: {
      cardNumber: "5004461234560000",
      validThrough: "12/2026",
      ownerName: "John Doe",
      cvv: "123"
    }
  },
  order: {
    productInfo: "EMI Payment for Electronics",
    paymentChargeSpecification: {
      price: 10000.00
    }
  },
  additionalInfo: {
    txnS2sFlow: "4",
    createOrder: true
  },
  callBackActions: {
    successAction: "<redacted URL>",
    failureAction: "<redacted URL>",
    cancelAction: "<redacted URL>"
  },
  billingDetails: {
    firstName: "John",
    lastName: "Doe",
    phone: "9876543210",
    email: "[email protected]",
    address1: "123 Main Street",
    city: "Mumbai",
    state: "Maharashtra",
    country: "India",
    zipCode: "400001"
  }
};

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));

Sample response

{
  "status": "PENDING",
  "result": {
    "checkoutUrl": "<redacted URL>"
  },
  "txnId": "TXN_EMI_20261005",
  "paymentId": "1999110000001769",
  "message": "Redirect customer to checkoutUrl for 3DS authentication"
}

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)

📘
Reference:
To check the transaction status, refer to Verify Payment API.

Error Codes

Code	HTTP Status	Description	Resolution
`INVALID_AMOUNT`	400	Amount below minimum EMI threshold	Check issuer minimum EMI amount rules
`INVALID_CURRENCY`	400	Unsupported currency	Set `currency: "INR"`
`AUTHENTICATION_FAILED`	401	Invalid token or signature	Verify authorization credentials
`DUPLICATE_REFERENCE`	409	`txnId` already used	Use unique transaction ID
`PAYMENT_DECLINED`	422	Card issuer declined EMI authorization	Verify card eligibility with bank

Next Steps

Redirect for Bank 3DS Authentication:
- Redirect the cardholder to the issuing bank's 3DS page via result.paymentUrl to authenticate the EMI transaction.
Display Loan & Repayment Summary:
- Upon receiving the successful callback, present the approved tenure, monthly EMI amount, and annual interest rate on the order confirmation screen.
Verify Transaction & Order Creation:
- Verify the payment status using the Verify Payment API and confirm the transaction amount matches the total EMI schedule.

Environment

Request header

authorization fields description

hashing algorithm

Request body

paymentMethod object fields description

paymentCard object fields description

order object fields description

paymentChargeSpecification object fields description

userDefinedFields object fields description

additionalInfo object fields description

callBackActions object fields description

billingDetails object fields description

Sample request

Sample response

Response parameters

Reference:

Error Codes

Next Steps

EXAMPLE QUESTIONS