PayU Payment Gateway Integration

PayU is a leading payment gateway that enables businesses to accept digital payments across 50+ emerging markets, with a strong presence in India. It supports over 150 payment methods, including credit/debit cards, net banking, UPI, wallets, BNPL (Buy Now, Pay Later), and EMI options, serving over 500,000 merchants. PayU offers features like one-click checkouts, recurring payments, instant refunds, and robust fraud prevention, making it ideal for e-commerce, subscriptions, and cross-border transactions.

This guide walks you through integrating PayU into your application, from account creation to live deployment.

Step 1: Log in or Sign Up

1. Visit PayU: Go to PayU India (or your regional site, e.g., PayU Global) and click Get Started or Sign Up to create a merchant account, or Log In if you have one.
2. Account Creation: Provide your email, business name, phone number, and details like company type (e.g., proprietorship, Pvt. Ltd.). Select a plan if prompted (basic integration is free with transaction fees).
3. Email Verification: Check your inbox for a verification email from PayU and click the link to activate your account.
4. Dashboard Access: Log in to the PayU Dashboard at dashboard.payu.in (India) or your regional equivalent to manage payments, API keys, and settings. A test environment is available for development.

Step 2: Set Up Your Account

Before processing payments, configure your PayU account:

1. Complete Your Profile:

• In the Dashboard, go to Settings > Business Details.
• Enter your business information: legal name, address, GSTIN (India), and website URL (required for live transactions).
• For individuals, provide personal details like PAN card info.

1. Business Verification (Required for Live Mode):

• Navigate to Settings > KYC.
• Submit documents such as business registration (e.g., GST certificate, Shop Act License), bank account proof, and ID (e.g., PAN, Aadhaar for India).
• Verification takes 1-3 business days; you’ll receive an email once approved.

1. Add a Settlement Bank:

• Go to Settings > Bank Details.
• Add your bank account (e.g., IFSC code, account number for India) for payouts. PayU may send a test deposit to verify.
• Settlement cycles vary (e.g., T+1 or weekly).

1. Test Mode: Use the test environment at test.payu.in with test credentials to simulate transactions without verification.

Step 3: Obtain API Credentials

PayU provides credentials for integration:

• Merchant Key: A public identifier for your account (e.g., JPM7Fg).
• Merchant Salt: A secret key for hashing requests (e.g., xyz789abc).
• Test vs. Live: Test credentials are available immediately; live credentials require verification.

How to Get Your Credentials:

1. Log in to the PayU Dashboard.
2. Go to Integration > API Keys (or Settings > Integration Details).
3. Find:

• Merchant Key: Displayed openly (e.g., JPM7Fg).
• Merchant Salt: Click to reveal or generate a new one.

1. Key Security: Keep the Merchant Salt confidential—use it only server-side. Copy both credentials securely.
2. Add these to your application’s Admin Panel under System Settings > Payment Gateways > PayU.

Step 4: Configure Payment Methods

PayU supports over 150 payment methods, customizable in the Dashboard:

1. Go to Settings > Payment Methods.
2. Available methods include:

• Cards: Visa, MasterCard, RuPay (enabled by default).
• Net Banking: 50+ Indian banks.
• UPI: 140+ apps (e.g., Google Pay, PhonePe).
• Wallets: Paytm, Airtel Money, etc.
• BNPL/EMI: Options like LazyPay (requires opt-in).

1. Enable desired methods by toggling them on. Contact support@payu.in for additional options or cross-border payments.
2. These methods will appear in your checkout flow once integrated.

Step 5: Set Up Webhooks

Webhooks notify your server of payment events (e.g., transaction success):

1. In the Dashboard, go to Integration > Webhooks.
2. Click Add Webhook.
3. Webhook URL:

• Enter the URL from your application (e.g., https://yourwebsite.com/webhooks/payu).
• Find this URL in your Admin Panel under PayU settings.
• Ensure your endpoint accepts POST requests and returns a 200 OK response.

1. Events: PayU sends events like:

• status=success: Payment completed.
• status=failure: Payment failed.
• Use the mihpayid (PayU transaction ID) to track payments.

1. Save the webhook. Secure it by validating the hash (see Step 7).
2. Testing: Use the test environment to simulate webhook calls.

Step 6: Set Up Credentials in Our Dashboard

Integrate PayU into your application:

1. Log in to your application’s Admin Panel.
2. Navigate to System Settings > Payment Gateways > PayU.

1. Fill out the configuration form:

1. Detailed Fields:

• Supported Currencies: Select currencies enabled on your PayU account (e.g., INR, USD for cross-border). Contact support for additional currencies.
• Active: Toggle “On” to enable PayU payments.
• Live Mode: Toggle “Off” for test, “On” for live transactions.
• Merchant Key: Enter your Merchant Key (e.g., JPM7Fg).
• Merchant Salt: Enter your Merchant Salt (e.g., xyz789abc).
• Webhook URL: Copy this URL and paste it into the PayU Dashboard’s webhook settings.
• Minimum Amount: Set a floor (e.g., ₹10) to avoid small transactions.
• Maximum Amount: Set a ceiling (e.g., ₹1,00,000) based on your needs.
• Fixed Charge: Add a flat fee (e.g., ₹5) per transaction, if applicable.
• Percentage Charge: Add a percentage fee (e.g., 1%) on top of PayU’s fees (e.g., 2% + GST).

1. Click Submit to save. Your PayU gateway is now configured.

Step 7: Test the Integration

Test your setup in Test Mode:

1. Enable Test Mode:

• In your Admin Panel, ensure Live Mode is off and use test credentials.
• Use the test endpoint: https://test.payu.in/_payment.

1. Simulate Payments:

• Use PayU’s test cards:
• Success: 5123 4567 8901 2346, expiry 05/25, CVV 123.
• Failure: 4111 1111 1111 1111, expiry 05/25, CVV 123.
• Test UPI with success@payu or net banking with test banks.

1. Hash Calculation: Generate a hash for requests using: sha512(key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3|udf4|udf5||||||salt). Validate the response hash similarly.
2. Verify Webhooks:

• Check your server logs for webhook events (e.g., status=success).
• Ensure payment statuses update in your Admin Panel (e.g., “Paid,” “Failed”).

1. Debugging: If issues arise, check the Dashboard’s Transactions tab or use the Verify Payment API.

Step 8: Enable Live Mode

After successful testing:

1. PayU Dashboard:

• Ensure your account is verified and ready for live transactions.
• Log in to dashboard.payu.in.

1. Admin Panel:

• Go to System Settings > Payment Gateways > PayU.
• Toggle Live Mode to “On”.
• Confirm your Merchant Key and Salt match live credentials.
• Update the endpoint to https://secure.payu.in/_payment.
• Save the changes.

1. Webhook Confirmation: Verify the webhook URL is set in the live Dashboard.

Step 9: Go Live

Launch your PayU integration:

1. Start Accepting Payments:

• Customers can now pay via enabled methods at checkout.
• Monitor initial transactions for issues.

1. Live Verification:

• In the Dashboard, go to Transactions to track payments in real-time.
• Confirm settlements to your bank account (e.g., T+1 or weekly).

1. Troubleshooting:

• If payments fail, review error logs in the Dashboard or contact support@payu.in.
• Ensure your webhook endpoint remains active.

Additional Tips

• PayU Fees: 2% + GST per transaction (India standard plan); international rates vary. No setup or annual fees. See pricing.
• Documentation: Explore the PayU Developer Docs for APIs like refunds, subscriptions, or split payments.
• Support: Contact support@payu.in or use the Dashboard’s live chat for assistance.

Note:

If you need further help, our support team is available 24/7. Reach out at softivus@gmail.com or through the Admin Panel. Let’s make your PayU integration seamless and successful!