PayU API Integration
Hosted checkout with cards, UPI, netbanking and EMI options for Indian merchants.
What PayU API integration does
PayU is a long-established Indian gateway with particularly strong coverage of hosted checkout and EMI options — the latter being the reason many merchants choose it. Card, no-cost and brand EMI meaningfully shift conversion on higher-ticket purchases, and PayU's EMI coverage is broad.
Hosted checkout also changes the compliance calculus. Because card details are entered on PayU's page rather than yours, your PCI scope shrinks considerably. Our integration handles the hosted checkout redirect and return, verifies the response, applies idempotency against your order reference and reconciles settlement, so the convenience of hosted checkout does not come with the usual ambiguity about whether a returning customer's payment actually completed.
What teams build with it
Hosted checkout
Collect payments through PayU's hosted page with reduced PCI scope on your side.
EMI at checkout
Offer card, no-cost and brand EMI options to lift conversion on higher-ticket purchases.
Multi-instrument acceptance
Accept cards, UPI, netbanking and wallets through a single checkout.
Gateway redundancy
Run PayU as a secondary gateway so a primary outage does not stop collections.
Endpoints included
POST/payu/v1/paymentCreates a transaction and returns the hosted payment URL.
Try it in the sandbox
https://sandbox.aeologic.io/payu/v1/payment{
"amount": "2499.00",
"productinfo": "Pro Plan",
"firstname": "Ananya",
"email": "ananya@example.com",
"txnid": "AEO88213"
}What you need before we start
- A PayU merchant account with API credentials
- Return and callback URLs registered for hosted checkout
- An order reference model supporting idempotency
- EMI plan configuration if EMI is in scope
How we deliver it
- Hosted checkout flow design including the customer return path
- Sandbox integration covering success, failure and abandonment
- Response verification and reconciliation against your ledger
- Production rollout with settlement reconciliation
Related Payments & Billing integrations
Industries using PayU
PayU API integration — FAQs
Does hosted checkout reduce our PCI scope?
Yes, materially — card details are entered on PayU's page rather than yours, which is a common reason to choose it.
How is EMI configured?
EMI plans are configured on your PayU account and surfaced through the integration at checkout based on cart value and card eligibility.
Can PayU run as a fallback gateway?
Yes. Because the interface is normalised across providers, routing to a secondary gateway on primary failure is configuration.
Ship PayU in days
Tell us your stack and we'll wire up PayU API integration for your team.
Talk to Aeologic