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Third Party Verification

In its constant endeavor to reach out to new categories of merchants, PayU, now provides TPV integration on its payment processing platform.                 

Third Party Verification (TPV) procedure is a mandatory requirement for  web merchants such as stock brokers and mutual funds operating in the BFSI (Banking, Financial Services and Insurance) sector. This account authentication procedure is essential for brokerage, Demat Account transfers, investments and other payments specified by the Securities and Exchange Board of India (SEBI).                  

As per SEBI guidelines, transactions must be made by their customers exclusively from a specific bank account number or CRN (Customer Relationship Number).  When the customer transacts with the merchant through our PayU’s payment gateway, his bank  account number or CRN is mapped in such a way so as to lock the transaction to ensure that the payment is processed only from his registered bank account.   

TPV integration on the payment gateway resembles a net banking transaction with the added advantage of having a locked account during fund transfers. The merchant (such as a broker) initially registers the bank account number or CRN of the customer to meet the SEBI guideline. These account parameters will be stored by the merchant are forwarded to PayU, which in turn submits them to the corresponding bank of the customer during the transaction process.

Meet your compliance requirements and start transacting online with your customers by availing the TPV integration of leading banks on PayU’s advanced payment platform.   

The difference as compared to Normal NB & UPI flow

  • In a normal NB or UPI transaction, the merchant doesn’t pass the account number of the customer from which merchant wants the customer to transact, but in case of TPV integration the merchant knows the customer account number and wants the customer only to transact with the same account number.
  • The merchant additionally passes the customer account  number in the payment request as compared to normal retail  banking or UPI.

TPV Integration

  • Net banking & UPI
  • Non-Seamless integration is not supported on this as of now.  

FlowChart

  • Seamless, PayUS2S, Pure S2S are supported on this flow.                

Net Banking integration related details

Seamless integration has to be done as per standard kit, additional things to be taken care when sending request for TPV transaction:                       

Net Banking

Param Name Param Value
pg NB
bankcode AXNBTPV, SBINBTPV, ICINBTPV etc.
beneficiarydetail {‘beneficiaryAccountNumber’:’123456789012345’} This is a json format text and there should be key named beneficiaryAccountNumber with account number as value
New_api_version (to pass for TPV case) 6
Checksum logic (applicable for TPV case) “key|txnid|amount|productinfo|firstname|email|udf1|udf2|udf3 |udf4|udf5||||||beneficiarydetail|SALT” should be used.   Please note: beneficiarydetail will come at last.  

Bank codes for live banks                    

Please refer to the bank code list (separate file of this integration kit).

Sample Request (NB)

{s:4:"hash";s:128:"5870f723bfd7352d689ca22d0a78686ddbf34e42d8bfc57d7e51c35080ad90e957d200afe9c861b61a357479b9ccdd3899d5fc49bac89b23ec2fffa654ca423f";s:3:"key";s:6:"BCtv0f";s:5:"txnid";s:20:"0790e9798683e41d573d";s:7:"version";s:0:"";s:11:"api_version";s:1:"6";s:13:"pre_init_mode";s:1:"0";s:6:"amount";s:2:"10";s:18:"additional_charges";s:0:"";s:9:"firstname";s:10:"Payu-Admin";s:12:"salt_version";s:1:"1";s:5:"email";s:16:"_emailid";s:5:"phone";s:10:"1234567890";s:11:"productinfo";s:12:"ProductInfo";s:16:"user_credentials";s:0:"";s:4:"surl";s:46:"https://mobiletest.payu.in/admin/test_response";s:5:"txtid";s:0:"";s:4:"furl";s:46:"https://mobiletest.payu.in/admin/test_response";s:9:"notifyur l";s:54:"https://mobiletest.payu.in/admin/test_notification.php";s:6:"codurl";s:46:"https://mobilet est.payu.in/admin/test_response";s:5:"ipurl";s:46:"https://mobiletest.payu.in/admin/test_response";s:5:"miles";s:0:"";s:6:"pubkey";s:0:"";s:8:"lastname";s:0:"";s:4:"curl";s:0:"";s:8:"address1";s:0:"";s:8:"address2";s:0:"";s:18:"shipping_firstname";s:0:"";s:17:"shipping_lastname";s:0:"";s:17:" shipping_address1";s:0:"";s:17:"shipping_address2";s:0:"";s:13:"shipping_city";s:0:"";s:14:"shipping_state";s:0:"";s:16:"shipping_country";s:0:"";s:16:"shipping_zipcode";s:0:"";s:14:"shipping_phone";s:0:"";s:4:"city";s:0:"";s:5:"state";s:0:"";s:7:"country";s:0:"";s:7:"zipcode";s:0:"";s:3:"nsc";s:0:"";s:17:"enforce_paymethod";s:0:"";s:13:"drop_category";s:0:"";s:9:"offer_key";s:0:"";s:16:"service_provider";s:0:"";s:13:"note_category";s:0:"";s:11:"custom_note";s:0:"";s:4:"udf1";s:0:"";s: 4: "udf2";s:0:"";s:4:"udf3";s:0:"";s:4:"udf4";s:0:"";s:4:"udf5";s:0:"";s:4:"udf6";s:0:"";s:11:"base_payuid";s:0:"";s:15:"base_merchantid";s:0:"";s:9:"vendor_id";s:0:"";s:2:"si";s:0:"";s:14:"subscriptionId";s:0:"";s:10:"free_trial";s:0:"";s:10:"force_pgid";s:0:"";s:6:"app_id";s:0:"";s:17:"beneficiarydet ail";s:46:"{"beneficiaryAccountNumber":"012226200000795"}";s:12:"paisa_mecode";s:0:"";s:11:"device_type";s:0:"";s:15:"instrument_type";s:0:"";s:13:"instrument_id";s:0:"";s:12:"ismobileview";s:0:"";s:19:"card_merchant_param";s:0:"";s:13:"retry_payuids";s:0:"";s:13:"s2s_client_ips:18:"transactionContext";s:0:"";s:14:"device_context";s:0:"";s:13:"sdk_flow_type";s:0:"";s:13:"acquiring_bin";s:0:"";s:11:"mcpLookupId";s:0:"";s:2:"pg";s:2:"NB";s:8:"bankcode";s:8:"BOINBTPV";s:17:"subvention_amount";s:0:"";s:22:"subvention_eligibility";s:0:"";s:5:"ccnum";s:16:"5MASTERCARDMAST6";s:6:"ccname";s:9:"TestUser";s:4:"ccvv";s:5:"cvv";s:8:"ccexpmon";s:10:"ccexpmon";s:7:"ccexpyr";s:10:"ccexpyr";s:3:"otp";s:4:"XXXXXX";s:16:"store_card_token";s:0:"";s:10:"store_card";s:0:"";s:9:"card_name";s:0:"";s:12:"txn_s2s_flow";s:0:"";s:19:"authentication_info";s:0:"";s:13:"pre_authorize";s:0:"";s:9:"auth_only";s:0:"";s:7:"termUrl";s:0:"";s:10:"is_atm_pin";s:0:"";s:3:"vpa";s:0:"";s:9:"vpa_phone";s:0:"";s:13:"merchant_data";s:0:"";s:6:"callId";s:0:"";s:11:"citi_reward";s:0:"";s:15:"sodexo_sourceId";s :0:"";s:17:"partner_hold_time";s:0:"";s:14:"consent_shared";s:0:"";s:5:"items";s:0:"";s:8:"birthda y";s:0:"";s:6:"gender";s:0:"";s:10:"si_details";s:0:"";}] 

Sample Response (NB)

{ "id":403993715511854910,"merchantid":"9066","txnid":"6dca5556d6857ad0d 190 ","transaction_fee":"10.00","discount":"0.00","amount":"10.00","paymentgatewayi
d":"53","mode":"NB","status":"success","productinfo":"Product
Info","firstname":"Payu-
Admin","lastname":"","address1":"","address2":"","city":"","state":"","country":"","zipcode":"","email":"_emailid_","phone":"1234567890","ip":"14.141.149.218","name_on _card":null,"card_no":null,"duplicate_id":null,"reattempt_id":null,"base_id":"0","udf1":"","udf2":"","udf3":"","udf4":"","udf5":"","surl":"https:\/\/mobiletest.payu.in\/admin\/test_response","furl":"https:\/\/mobiletest.payu.in\/admin\/test_response","curl":"https:\/\/mobiletest.payu.in\/admin\/test_response","codurl":"https:\/\/mobiletest.payu.in\/admin\/test_response","touturl":"","field0":null,"field1":null,"field2":null,"field3":null,"field4":null,"field5":null,"field6":null,"field7":null,"field8":null,"f ield9":"Transaction Completed
Successfully","bank_ref_no":"75826","timedout":"0","nsc":"0","addedon":"2019-10-10 16:58:52","updatedon":"2019-10-10-17:02:10","lockid":null,"drop_category":"","ibibo_code":"BOINBTPV","offer_key":"","device_info":"0_|_0","payment_source":"payu","is_seamless":0,"verifier_hash":"","err or_code":"E000","riskAction":"0","uniqueness":103,"failed_status_changed":null,"merchant_params":"a:31:{s:18:\"additional_charges\";s:0:\"\";s:12:\"salt_version\";s :7:\"NEWSALT\";s:5:\"sbemi\";s:0:\"\";s:2:\"si\";s:0:\"\";s:18:\"transactionContext\";s:0:\"\";s:13:\"deviceContext\";s:0:\"\";s:13:\"acquiring_bin\";s:0:\"\";s:5:\"ipurl\";s:46:\"https:\/\/mobiletest.payu.in\/admin\/test_response\";s:5:\"accNo\";s:15:\"012226200000794\";s:8:\"post_uri\";s:83:\"https:\/\/starconnectuat.bankofindia.com\/BankAwayRetailbilldesk\/sgonHttpHandler.aspx?\";s:6:\"BankId\";s:3:\"013\";s:2:\"MD\";s:1:\"P\";s:3:\"CRN\";s:3:\"INR\";s:2:\"CG\";s:1:\"Y\";s:3:\"PID\";s:12:\"000000002482\";s:12:\"USER_LANG_ID\";s:3:\"001\";s:8:\"UserType\";s:1:\"1\";s:7:\"AppType\";s:6:\"retail\";s:10:\"verify_uri\";s:102:\"https:\/\/starconnectuat.bankofindia.com\/ShopDoubleVerification\/ShopDoubleVerify.asmx\/WMSh opDoubleVerify\";s:4:\"MD_v\";s:1:\"V\";s:4:\"port\";s:3:\"443\";s:18:\"outer_layer_switch\";s:1:\"0\";s:8:\"ClientNM\";s:4:\"Payu\";s:9:\"secretKey\";s:64:\"fd804476dfc0e0dc95b7b8c97b4c8bc579f71d6c8ea1bc593c2d3520cb9add66\";s:2:\"RU\";s:25:\"\/CommonPgResponseHandler?\";s:35:\"ActionShoppingMallLoginBillPay_Init\";s:1:\"Y\";s:8:\"payee_id\";s:12:\"000000002482\";s:3:\"PGI\";s:4:\"PAYU\";s:16:\"blazePayBankCode\";s:6:\"CID019\";s:15:\"dvEncryptionKey\";s:24:\"I34qMXNoYSVkKTFjYjdkeg==\";s:20:\"paymentEncryptionKey\";s:24:\"I34qMXNoYSVkKTFjYjdkeg==\";}","trace_no":null,"cardtype":null,"vendor_id":null,"shipping_address1":null,"shipping_city":null,"shipping_zipcode":null,"shipping_state":null,"shipping_country":null,"shipping_email":null,"shipping_phone":null,"is_invoice":null,"shipp ing_firstname":null,"card_token":null,"user_credentials":null,"cod_tok":null,"shipping_lastname":null,"shipping_address2":null,"shipping_phoneverified":"0.000","offe r_status":null,"ds_status":"0","serving_pg_id":null,"customer_mode":"NB","customer_ibibo_code":"BOINBTPV","custom_note":null,"nurl":"https:\/\/mobiletest.payu.in\/ admin\/test_notification.php~mozilla\/5.0 (macintosh; intel mac os x 10_14_6) applewebkit\/537.36 (khtml, like gecko)chrome\/77.0.3865.90safari\/537.36","shipphone":null,"access_token":"06515D16-63AF-8EBD-D997281D86A5D4B9","note_category":null,"enforce_paymethod":null,"session_id":null,"Error_Message":"No Error","PG_TYPE":"BOINB","rurl":"https:\/\/mobiletest.payu.in\/admin\/test_response","unmappedstatus":"captured","key":"BCtv0f","riskActionStr":"ACCEPT","disable _cardinfo":0,"tata_docomo_prepaid":"0","hash":"7f926a5b37686237c42801db6b5 1985aff13afe3f63d0bf173b13f833e1091255281cb77d3cf7e47d6f49a4155536de fe50d99e63c6f2943cb670e8f8bffdcab","enable_iss_bank_card_type":0,"merchant_hash":null,"sdk_response":"{\"id\":403993715511854910,\"mode\":\"NB\",\"status\":\"success\",\"unmappedstatus\":\"captured\",\"key\":\"BCtv0f\",\"txnid\":\"6dca5556d6857ad0d190\",\"transaction_fee\":\"10.00\",\"amount\":\"10.00\",\"discount\":\"0.00\",\"addedon\":\"2019-10-10 16:58:52\",\"productinfo\":\"Product Info\",\"firstname\":\"Payu-
Admin\",\"email\":\"_emailid_\",\"phone\":\"1234567890\",\"hash\":\"7f926a5b3
7686237c42801db6b51985 aff13afe3f63d0bf173b13f833e1091255281cb77d3cf 7e47d6f49a4155536defe50d99e63c6f2943cb670e8f8bffdcab\",\"field9\":\"Tran saction Completed 
Successfully\",\"payment_source\":\"payu\",\"PG_TYPE\":\"BOINB\",\"bank_ref_no \":\"75826\",\"ibibo_code\":\"BOINBTPV\",\"error_code\":\"E000\",\"Error_Messag e\":\"No 
Error\",\"is_seamless\":0,\"surl\":\"https:\\\/\\\/mobiletest.payu.in\\\/admin\\\ /test_response\",\"furl\":\"https:\\\/\\\/mobiletest.payu.in\\\/admin\\\/test_re sponse\"}","RemoveCardDetailsFromResponse":null} and offer=null

UPI integration related details           

Seamless integration has to be done as per standard kit, additional things to be taken care when sending request for TPV transaction:                       

UPI

Param Name Param Value
pg UPI
bankcode UPITPV or TEZTPV
beneficiarydetail { “beneficiaryAccountNumber” :”03231130003473|589542922 8|00000031957292212|00000035955239352″} Upto 4 accounts allowed This is a json format text and there should be key named beneficiaryAccountNumber with account number as value
New_api _version (to pass for TPV case) 6
Checksum logic (applicable for TPV case) “key|txnid|amount|productinfo|firstname|email|udf1|udf2| udf3 |udf4|udf5||||||beneficiarydetail|SALT” should be used. Please note: beneficiarydetail will come at last.  

Sample Request  (UPI):   

{ s:4:"hash";s:128:"00bee5b71f64945969c8fffc2d7762d2a3e713054e08e52e1735d575c a1c48a15c5e1a3bda55f751e155f38ca01e262669de4d7c920638606566d72007aafaa0 ";s:3:"key";s:6:"obScKz";s:5:"txnid";s:20:"295e88b2fe33d6eaf1a0";s:7:"version";s:0:"";s:11:"api_version";s:1:"6";s:13:"pre_init_mode";s:1:"0";s:6:"amount";s:1:"1";s:18:"addition al_charges";s:0:"";s:9:"firstname";s:10:"Payu-
Admin";s:12:"salt_version";s:1:"1";s:5:"email";s:16:"emailid";s:5:"phone";s:10:"1234567890";s:11:"productinfo";s:12:"Product_response";s:5:"txtid";s:32:"afb82b0dc86628a66f7fc4eb5b166786";s:4:"furl";s:46:"https ://mobiletest.payu.in/admin/test_response";s:9:"notifyurl";s:54:"https://mobiletest.payu.i n/admin/test_notification.php";s:6:"codurl";s:46:"https://mobiletest.payu.in/admin/test_re sponse";s:5:"ipurl";s:46:"https://mobiletest.payu.in/admin/test_response";s:5:"miles";s:0:"";s:6:"pubkey";s:0:"";s:8:"lastname";s:0:"";s:4:"curl";s:0:"";s:8:"address1";s:0:"";s:8:"address2";s:0:"";s:18:"shipping_firstname";s:0:"";s:17:"shipping_lastname";s:0:"";s:17:"shipping_address1";s:0:"";s:17:"shipping_address2";s:0:"";s:13:"shipping_city";s:0:"";s:14:"shipping_state";s:0:"";s:16:"shipping_country";s:0:"";s:16:"shipping_zipcode";s:0:"";s:14:"shipping_phone";s:0:"";s:4:"city";s:0:"";s:5:"state";s:0:"";s:7:"country";s:0:"";s:7:"zipcode";s:0:"";s:3:"nsc";s:0:"";s:17:"enforce_paymethod";s:0:"";s:13:"drop_category";s:0:"";s: 9:"offer_key";s:0:"";s:16:"service_provider";s:0:"";s:13:"note_category";s:0:"";s:11:"custom_note";s:0:"";s:4:"udf1";s:0:"";s:4:"udf2";s:0:"";s:4:"udf3";s:0:"";s:4:"udf4";s:0:"";s:4:"udf5";s:0:"";s:4:"udf6";s:0:"";s:11:"base_payuid";s:0:"";s:15:"base_merchantid";s:0:"";s:9:"vendor_id";s:0:"";s:2:"si";s:0:"";s:14:"subscriptionId";s:0:"";s:10:"force_pgid";s:0:"";s:6:"app_id";s:0:"";s:17:"beneficiaryDetail";s:92:"{"beneficiaryAccountNumber":"03231130003473|5895429228|00000031957292212|00000035955239352"}";s:12: "paisa_mecode";s:0:"";s:11:"device_type";s:0:"";s:15:"instrument_type";s:0:"";s:13:"instrument_id";s:0:"";s :12:"ismobileview";s:0:"";s:19:"card_merchant_param";s:0:"";s:13:"retry_payuids";s:0:"";s:13:"s2s_client_ip";s:0:"";s:15:"s2s_device_info";s:0:"";s:4:"html";s:0:"";s:8:"sdktoken";s:0:"";s:6:"snooze";s:1:"0";s:13:"sdk_flow_type";s:0:"";s:14:"device_context";s:0:"";s:11:"mcpLookupId";s:0:"";s:2:"pg";s:3:"UPI";s:8:"bankcode";s:6:"UPITPV";s:17:"subvention_amount";s:0:"";s:22:"subvention_eligibility";s:0:"";s:5:"ccnum";s:16:"5MASTERCARDM AST6";s:6:"ccname";s:9:"Test 
User";s:4:"ccvv";s:5:"cvv";s:8:"ccexpmon";s:10:"ccexpmon";s:7:"ccexpyr";s:10:"ccexpyr";s:3:"otp";s:4:"XXXXXX";s:16:"store_card_token";s:0:"";s:10:"store_card";s:0:"";s:9:"card_name";s:0:"";s:12:"txn_s2s_flow";s:0:"";s:19:"authentication_info";s:0:"";s:13:"pre_authorize";s:0:"";s:9:"auth_only";s:0:"";s:4:"turl";s:0:"";s:10:"is_atm_pin";s:0:"";s:3:"vpa";s:22:"aroraatul01@okhdfcbank";s:13:"merchant_data";s:0:"";s:6:"callId";s:0:"";s:11:"citi_reward";s:0:"";s:15:"sodexo_sourceId";s:0:"";s:17:"partner_hold_time";s:0:"";s:14:"consent_shared";s:0:"";s:5:"items";s:0:"";s:8:"birthday";s:0:"";s:6:"gender";s:0:"";}

Sample Response (UPI):   

{ s:8:"mihpayid";s:18:"403993715511845471";s:4:"mode";s:3:"UPI";s:6:"status";s:7:"success";s:14:"unmappedstatus";s:8:"captured";s:3:"key";s:6:"obScKz";s:5:"txnid";s:20:"1aec7cf6b9bdad948835";s:6:"amount";s:4:"1.00";s:8:"discount";s:4:"0.00";s:16:"net_amou nt_debit";s:1:"1";s:7:"addedon";s:19:"2019-07-09
18:00:19";s:11:"productinfo";s:12:"Product Info";s:9:"firstname";s:10:"Payu-
Admin";s:8:"lastname";s:0:"";s:8:"address1";s:0:"";s:8:"address2";s:0:"";s:4:"city";s:0:"";s:5:"state";s:0:"";s:7:"country";s:0:"";s:7:"zipcode";s:0:"";s:5:"email";s:16:"emailid";s:5:"phone";s:10:"1234567890";s:4:"udf1";s:0:"";s:4:"udf2";s:0:"";s:4:"udf3";s:0:"";s:4:"udf4";s:0:"";s:4:"udf5";s:0:"";s:4:"udf6";s:0:"";s:4:"udf7";s:0:"";s:4:"udf8";s:0:"";s:4:"udf9";s:0:"";s:5:"udf10";s:0:"";s:4:"hash";s:128:"c1eef8c549f6d0c05414f79c02455c5889527e0940581a 083e9 c026dc40e036cb2718a2036e8d21889142a788b3879f59b65ac3752b16b696ee 4b7c999ecd328";s:6:"field1";s:22:"aroraatul01@okhdfcbank";s:6:"field2";s:10:"6233109801";s:6:"field3";s:22:"aroraatul01@okhdfcbank";s:6:"field4";s:10:"ATUL 
ARORA";s:6:"field5";s:96:"a2zelectroniccomvas502@hdfcbank!03231130003473!5895
429228!00000031957292212!00000035955239352!NA";s:6:"field6";s:53:"HDFC BANK LTD!03231130003473!HDFC0000323!919268780884";s:6:"field7";s:19:"Transaction success";s:6:"field8";s:0:"";s:6:"field9";s:34:"SUCCESS|Completed Using Verify um";s:12:"919018872506";s:8:"bankcode";s:6:"UPITPV";s:5:"error";s:4:"E000";s:13:"err or_Message";s:8:"No Error";}