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Checkout Customisations

PayU also has predefined customizations that suit merchant’s requirements. Merchants can choose to opt for all or some of the below to manage the payments per their requirements.

To use these methods kindly append parameter names in your transaction request.

Enforcing Payment Methods

Parameter name : enforce_paymethod

This parameter allows you to customize the payment options for each individual transaction. Merchant can enforce specific payment modes, cards scheme, specific banks under net banking, etc using this method.
The merchant needs to put the necessary payment options in this parameter and POST them to us at the time of transaction. All the categories and subcategories have specific values that need to be put in this string.

The categories and subcategories are as follows:

CategorySub-category
Credit CardMasterCard, Amex, Diners, etc
Debit CardVisa, Mastercard, Maestro, etc
Net BankingSBI Net Banking, HDFC Net Banking, etc
EMICITI 3 Months EMI, HFC 6 Months EMI, etc
Cash CardAirtel Money, YPay, ITZ, Cash Card, etc
UPI GooglePay, PhonePe, UPI, etc

To enforce complete categories, please use the following values:

Category value

CategoryValue of enforced_payment
Credit Cardcreditcard
Debit Carddebitcard
Net Bankingnetbanking
EMIemi
Cash Cardcashcard

To enforce sub-categories, please use the respective bank codes for them. Please contact PayU at help.payu.in to get the respective bank codes.

Please note that the delimiter is pipe (|) character here.

Examples for usage:

creditcard|debitcard

Here, all the credit card and debit card options would be displayed (as the whole category is enforced). The rest of the categories would not be displayed at all (EMI, Cash card, etc – as they are not being mentioned in the string).

creditcard||netbanking|cashcard

Here, all the credit card options, net banking options and cash card options would be displayed (as the whole category is enforced for these).

Note: Please make sure to use this parameter only after testing properly as an incorrect string will lead to undesirable payment options being displayed.

Hiding Specific Payment Modes

Parameter name : drop_category :

This parameter can be used if a merchant wants to hide one/multiple payment options.
For example, if we consider the categories Credit Card, Debit Card and Net Banking for a merchant. If there are 30 net banking options available and the merchant wants to drop 2 of those net banking options (i.e. do not display those 2 options on the PayU page), then the drop_category parameter can be used effectively.

To drop the whole category, please use the following values:

CategoryCategory Value
Credit CardCC
Debit CardDC
Net BankingNB
EMIEMI
Cash CardCASH

To drop sub-categories mentioned in the table above this section, please use the respective bank codes for them. Please contact PayU to get the respective bank codes.
Also note that the delimiter for categories is comma (,) character and for sub-categories, it is the pipe (|) character.

Examples for usage:

drop_category – DC|VISA|MAST

Here, for the debit card category, only Visa and Master Card options would be dropped (and hence not displayed on the PayU page). All other active payment options would be displayed.

drop_category – CC|AMEX, DC|VISA, EMI|EMI6

Here, for the credit card category, only the AMEX option would be dropped (and hence not displayed). In the debit card category, only the VISA option would be dropped. And in the EMI category, only HDFC 6 months EMI option (bank code – EMI6) would be dropped. All the other active payment options would be displayed.

Note: Please make sure to use this parameter only after testing properly as an incorrect string will lead to undesirable payment options being displayed.