PayU Payments

PayU is an online bank transfer payment method. It allows payers to make payments directly from their bank account.

For the online real-time bank transfer purchases, payers

  • select their preferred online bank
  • log into their account to review the payment details, and
  • authorize the funds payment so that the funds are credited to the payee's account.

It is recommended that you read the integration guidelines for browser payments before building the PayU integration.

Prerequisites

To offer the PayU payment method through the Mastercard Payment Gateway,

  • you must be registered with your browser payments service provider
  • your merchant profile on the Mastercard Payment Gateway must be configured using the details of your account with the browser payments service provider, and
  • you must have a bank account in one of the supported currencies registered against your merchant account at your browser payments service provider.

PayU transactions

The PPRO acquirers support the PayU transactions that originate from the countries and the corresponding currencies mentioned in the following table.

Country Currency
Poland ( POL) PLN
Czech Republic (CZE) CZK

PayU integration

PayU through Hosted Checkout

Hosted Checkout integration allows you to collect payment details from your payer through an interaction that the Mastercard Payment Gateway hosts and displays.

From the API version 70 onward, PayU is automatically available as a payment method once your payment service provider enables and configures you for this payment method.

For details, see Browser Payments via Hosted Checkout Integration.

PayU through Direct Payment

Direct Payment integration allows you to offer the PayU payment method on your own checkout page.

PayU is supported from the API version 67 onward.

Common Fields

In addition to the standard fields required in a browser payment request, provide the following common fields in the Initiate Browser Payment request:

  • sourceOfFunds.type-PayU
  • browserPayment.operation-PAY
  • sourceOfFunds.provided.payU.bankAccountHolder-Name of the bank account holder for the payer's bank account. This is an optional field.
  • sourceOfFunds.provided.payU.bankAccountCountryCode-The country where payers have their bank account. Provide the ISO 3166 alpha-3 country code for this country.

Preferred Language

You can set the language that you prefer PayU to use for the pages that are displayed to the payer by providing the browserPayment.preferredLanguage field in the Initiate Browser Payment request. However, the language will be used only if PayU supports it.

Sample Code to initiate PayU Payment

{
    "apiOperation": "INITIATE_BROWSER_PAYMENT",
    "browserPayment": {
        "operation": "PAY",
        "returnUrl": "<your_merchant_URL>"
    },

    "customer": {
        "email": "john.smith@example.com"
    },

    "order": {

        "amount": "142.22",
        "currency": "CZK"
    },

    "sourceOfFunds": {
        "type": "PAYU",
        "provided": {
            "payU": {
                "bankAccountHolder": "Test accountHolder",
                "bankAccountCountryCode": "CZE"
            }
        }
    }
}
  

How to Interpret the Transaction Result

The following table specifies the transaction response codes for the possible scenarios that you may encounter after initiating the PayU payment.

Initiate Browser Payment Response What This Means...
response.gatewayCode=SUBMITTED
result=SUCCESS
Redirect the payer using the URL provided in the response.
Retrieve Transaction/Retrieve Order Response What This Means...
response.gatewayCode=APPROVED
result=SUCCESS
The payment is successful.
response.gatewayCode=PENDING
result=PENDING
The Mastercard Payment Gateway is waiting for a notification from the acquirer about the payment result. Try RETRIEVE_TRANSACTION again later or listen to notifications from the Mastercard Payment Gateway.
response.gatewayCode=CANCELLED
result=FAILURE
The payer has canceled the interaction for this payment. Offer the payer the option to try another payment method.
response.gatewayCode=DECLINED or ACQUIRER_SYSTEM_ERROR
result=FAILURE
The payment was declined. Offer the payer the option to try another payment method. In case of an ACQUIRER_SYSTEM_ERROR, you may want to inquire with the acquirer about the reason for the payment failure, or you can try RETRIEVE_TRANSACTION again.
response.gatewayCode=TIMED_OUT
result=FAILURE
Treat this as a declined payment. The Mastercard Payment Gateway will make an attempt to ensure the transaction is not successful or will revert the transaction.

Refunds

You can refund the PayU payments in installments or in full. Ensure that you are configured for refunds on the Mastercard Payment Gateway and on your merchant account at your browser payments service provider.

Testing Your Integration

The Mastercard Payment Gateway provides a browser payments emulator that allows you to test your PayU integration.

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