The v2 Get Payment Instrument API allows merchants to fetch all saved cards for a specific user. This API returns comprehensive card details including tokenized information, expiry status, and network tokens for secure transactions.
HTTP Method: GET
Environment
| Production | <info.storecard.service.url>/storecard/card/v2 |
Request header
Parameter | Description |
|---|---|
mid
| Merchant ID provided by PayU. Use the value provided in your PayU dashboard. |
Request body
None
Sample Request and Response
Request
curl --location '<info.storecard.service.url>/storecard/card/v1' \
--header 'Content-Type: application/json' \
--header 'mid: 2' \Response
{
"status": 1,
"msg": "Cards fetched Successfully",
"user_cards": {
"a52aa1c09e11ac56926005": {
"card_type": "CC",
"expiry_year": "2030",
"expiry_month": "11",
"is_expired": 0,
"card_mode": "CC",
"card_no": "XXXXXXXXXXXX6937",
"card_name": "raghu_visa",
"name_on_card": "DUMMY",
"card_brand": "VISA",
"card_bin": "439040",
"isDomestic": "Y",
"card_cvv": 0,
"PAR": "V0010013022526170404000072387",
"network_token": {
"token_bin": "439040",
"is_expired": 0,
"token_exp_yr": "2030",
"token_exp_mon": "11",
"token_value": "4390406210204342"
}
}
}
}Response parameters
| Field | Description | Example |
|---|---|---|
| status | Status indicator: 1 for success, 0 for failure. | 1 |
| msg | Human-readable response message indicating if card fetching was successful. | Cards fetched Successfully |
| user_cards | Contains saved card details for the user, with unique card tokens as object keys. |
User Cards Object
| Field | Description | Example |
|---|---|---|
| card_type | Type of card: either CC (Credit Card) or DC (Debit Card). | CC |
| expiry_year | Expiry year of the card. | 2030 |
| expiry_month | Expiry month of the card. | 11 |
| is_expired | Shows whether the card has expired or not: 0 for active, 1 for expired. | 0 |
| card_mode | Either CC (Credit Card) or DC (Debit Card). | CC |
| card_no | Masked card number showing only the last four digits. | XXXXXXXXXXXX6937 |
| card_name | User-defined name for the card. | raghu_visa |
| name_on_card | Cardholder name. | DUMMY |
| card_brand | Network or brand name for the card (e.g., VISA, MASTERCARD). | VISA |
| card_bin | Bank Identification Number of the card (first 6-9 digits). | 439040 |
| isDomestic | Indicates if the card is domestic or international: Y for domestic, N for international. | Y |
| card_cvv | Indicates if the CVV is required: 0 for Not Required, 1 for Required. | 0 |
| PAR | Payment Account Reference – unique identifier for the card across environments for transaction checks. | V0010013022526170404000072387 |
| network_token | Contains network token details for secure transactions. For more information, refer to Network token object. | For more information, refer to Network token object . |
Network token object
| Field | Description | Example |
|---|---|---|
| token_bin | Bank Identification Number for the network token. | 439040 |
| is_expired | Indicates the token's status: 0 for active, 1 for expired. | 0 |
| token_exp_yr | Expiry year of the network token. | 2030 |
| token_exp_mon | Expiry month of the network token. | 11 |
| token_value | The actual token value used for secure transactions. | 4390406210204342 |