Installments and Pay later

Basic information

• PayU | Installments are available for merchants free of charge.
• PayU | Installments are available for shopping carts worth PLN 300 to PLN 20,000.
• The service can be integrated via OpenPayU (REST API) or NewPayment (Classic API) protocol.
• The value of payMethod(OpenPayU) or pay_type(NewPayment) parameter is "ai".

Service description

These guidelines aim to present ways of implementing PayU | Installments in an e-shop. The document is mainly dedicated to developers.

The procedure of processing payments in the PayU | Installments service in an e-shop consists of two stages.

1. A buyer places an order on an e-shop webpage.
2. PayU confirms that the payment has been settled correctly.

First stage. A buyer places an order.

The process has been showcased on the diagram below.

1. Buyer clicks on a button that represents PayU | Installments.
2. If payMethod/pay_type=ai, name and surname are not stated,PayU system presents an order summary webpage, where the buyer confirms the payment.
3. PayU system redirects the Buyer to the website of a loan partner.
4. Buyer performs actions required by the loan partner, e.g. accepts an offer or makes a verification transfer.
5. Loan partner confirms to PayU that it has processed the payment and redirects the buyer back to the PayU website.
6. At this stage, a transaction may receive one of three statuses depending on the loan partner's decision or ability to consider the installments request:
   1. If the loan partner is not able to verify all the details of or process the loan request right away, the transaction status is set to PENDING. The buyer is then redirected to a PayU webpage, which contains information that the request has received the PENDING status and a button to return to the shop.
   2. If a loan has not been granted or the loan partner is not able to process the loan request, the transaction status is set to FAIL, and the buyer is redirected to a page indicated in the shop configuration as a negative URL.
   3. Once the loan request has been considered and the loan has been granted, the transaction status is set to SUCCESS and the buyer is redirected to a page indicated in the shop configuration as a positive.
7. PayU system redirects the buyer to a page in the seller’s system, which informs the buyer that the order has been placed successfully.

Once the transaction has been confirmed manually (or automatically collected), the buyer is informed about the outcome of loan request processing.

Second stage (optional). Payment settlement.

1. PayU system notifies the seller’s system that a status of the payment order has changed.
2. Seller’s system confirms receiving the notification.

In this section, described examples are in OpenPayU protocol, Raty PayU are also available in Classic API protocol.

Example of inegration via form. OpenPayU protocol:

                <form method="POST" action="https://secure.payu.com/api/v2_1/orders">
                    <input type="hidden" name="customerIp" value="123.123.123.123">
                    <input type="hidden" name="merchantPosId" value="145227">
                    <input type="hidden" name="description" value="Order description">
                    <input type="hidden" name="totalAmount" value="99900">
                    <input type="hidden" name="currencyCode" value="PLN">
                    <input type="hidden" name="products[0].name" value="Notebook">
                    <input type="hidden" name="products[0].unitPrice" value="99900">
                    <input type="hidden" name="products[0].quantity" value="1">
                    <input type="hidden" name="notifyUrl" value="http://shop.url/notify" >
                    <input type="hidden" name="continueUrl" value="http://shop.url/continue" >   
                    <input type="hidden" name="payMethods.payMethod.type"  value="PBL" > 
                    <input type="hidden" name="payMethods.payMethod.value" value="ai" >                                 
                    <input type="hidden" name="OpenPayu-Signature" type="hidden" value="sender=145227;algorithm=SHA-256;signature=a9d91ae1f3fc26aba5b9600ffeb734e6c5fcd6346eb3f9dc5e43d8b29c04d2e8">
                    <button type="submit" formtarget="_blank">PayU</button>
                </form>
            

POS used in the example does not have installments switched on. Therefore Buyer won't be redirected to aplication form, PayU syatem presents summary page. More information about form parameters described in: Creating a new order.

Order example via REST API with one product, basic Buyer data and extOrderId:

curl -v -X POST https://secure.payu.com/api/v2_1/orders \
-H "Content-Type: application/json" \
-H "Authorization: Bearer 3e5cac39-7e38-4139-8fd6-30adc06a61bd" \
-d '{
    "notifyUrl": "https://your.eshop.com/notify",
    "customerIp": "127.0.0.1",
    "merchantPosId": "145227",
    "description": "RTV market",
    "currencyCode": "PLN",
    "totalAmount": "99900",
    "extOrderId":"[generateExtOrderId]",
    "buyer": {
         "email": "jan.kowalski@example.com",
         "phone": "654111654",
         "firstName": "Jan",
         "lastName": "Kowalski"
     },
     "payMethods":{
         "payMethod":{
              "type":"PBL",
              "value":"ai"
          }
     },
     "products": [
          {
               "name": "Laptop",
               "unitPrice": "99900",
               "quantity": "1"
          }
      ]
}'
                

POS used in the example does not have installments switched on. Therefore Buyer won't be redirected to aplication form, PayU syatem presents summary page. More information about REST API parameters described in: Creating a new order.

Style the form to have the PayU | Installments well identified.

<style type="text/css">
form[name="payform"] input[type="submit"] {
    border: 0px;
    height: 35px;
    width: 100px;
    background: url('http://static.payu.com/pl/standard/partners/raty_payu/raty_small.png');
    cursor: pointer;
}
</style>
                    

Save changes in the file and reload the page in your browser.

Automatic collection enabled

If Automatic collection has been enabled, transactions are processed automatically, without manual confirmation.

Automatic collection disabled

If Automatic collection has been disabled, transactions are processed only after they have been manually confirmed.

Manual transaction confirmation

To manually confirm a transaction in the Management Panel when Automatic collection is disabled:

1. Go to the Management Panel.
2. Go to Transactions --> List of transactions. .
3. In the Status field, select Waiting for collection. Optionally, set other search parameters.
4. Click on Show.
5. To confirm the transaction, in the Action column, click on Collect.
6. Check if data is correct and click on OK.

Information about transaction support via API is available in the Information exchange.

Configuring Automatic collection

Automatic collection can be configured as other standard payment methods.

The goal of each e-business is to present a comprehensive and innovative offer to customers. By introducing PayU | Installments, a shop may achieve this goal by presenting information on the new service in a simple and clear way.

This section describes a manner of introducing the following elements:

1. elements building graphic identification, such as buttons or static banners,
2. installment widget
3. calculator widget.

The above elements help enjoy the following benefits:

1. professional approach to e-shop customers;
2. relevant amount of information about shopping on installments;
3. keeping customers interested, thus increasing the number of successful transactions;
4. allowing customers to make quick payments;
5. encouraging satisfied customers to return to the e-shop.

Sign “Here you can pay via PayU | Installments”

In order to inform a customer that you offer shopping on installments, we recommend adding the “Here you can pay via PayU | Installments” button on the main page or on other e-shop pages

A customer who clicks on the button is redirected to the informational PDF document about PayU Installments.

To produce this effect on your shop website, enter the following code:

<a href="http://www.payu.pl/en/payu-installments-for-business">
    <img src="http://static.payu.com/pl/standard/partners/raty_payu/tu_kupisz_na_raty_payu_blue.png" />
</a>
            

Other graphic versions are available here.

Transaction button

To draw your customer’s attention to quick installment shopping, use the following button

To produce this effect on your shop website, style the form button using the following code between the <head> tags:

<style type="text/css">
form[name="payform"] input[type="submit"] {
    border: 0px;
    height: 35px;
    width: 100px;
    background: url('http://static.payu.com/pl/standard/partners/raty_payu/raty_small.png');
    cursor: pointer;
}
</style>
            

Other graphic versions are available here.

Static banners

We have also designed static graphical ads which you can use to inform customers that PayU | Installments are available in your shop.

Other graphic versions are available here.

Step 1

Open a website source code and make sure it uses utf-8 encoding (calculator was written specifically for this encoding).

Installment widgets use internally jquery libraries and allow simultaneous use of other versions. For example, including widget-calculator-installments.min.js file to a client's site does not override other jquery scripts and is used only by widgets internally.

Step 2

Paste the following script in the <head> section. Please note: do not copy this script to your server, because PayU scripts contain the information about current settings for installments.

<meta charset="utf-8" />
<script src="https://static.payu.com/res/v2/widget-calculator-installments.min.js"></script>
<link href="https://static.payu.com/res/v2/layout/style.css" rel="stylesheet">
                    

Step 3

Paste the following code, after editing creditAmount, posId (enter your data) and key (enter your data) in the <body> section of your source code. This element will feature a 712x402px calculator.

<div id="installment-calc"></div> 
<script type="text/javascript">
    var openpayu = openpayu || {};
    openpayu.options = {
        creditAmount: 4234.56,  // amount in PLN
        posId: '67328',         // point of sale identifier
        key: 'zQ'               // first two characters of API key
    };
    OpenPayU.Installments.calculator('#installment-calc');
</script>
                    

Step 4

Save changes.

Step 5

Refresh the website in your browser.

If you cannot see any changes despite refreshing the page, try to clear cache.

Step 1

Open a website source code.

Step 2

Paste the following script in the <head> section. Please note: do not copy this script to your server, because PayU scripts contain the information about current settings for installments.

<meta charset="utf-8" />
<script src="https://static.payu.com/res/v2/widget-products-installments.min.js"></script>
                    

Step 3

Paste the following code, after editing creditAmount, posId (enter your data) and key (enter your data) in the <body> section of your source code.

<p><span id="installment-mini"></span></p> 
<script type="text/javascript">
  var value = 1234.56;
  var openpayu = openpayu || {};
  openpayu.options = {
    creditAmount: value,    // amount in PLN
    posId: '67328',         // point of sale identifier
    key: 'zQ',              // first two characters of API key
    showLongDescription: true
  }; 
  if (value >= 300 && value <= 20000) {
    OpenPayU.Installments.miniInstallment('#installment-mini');
  }
</script>
                    

Step 4

Save changes.

Step 5

Refresh the website in your browser.

If you cannot see any changes despite refreshing the page, try to clear cache.

Basic information

• PayU | Pay later is available for shopping carts worth from 1 PLN. (There is no upper limit of the transaction amount, but it is recommended to limit it to 2000 PLN in order to achieve best possible conversion).
• The service has to be integrated via OpenPayU (REST API) protocol.
• The value of payMethod parameter is "dpt".

Service description

PayU | Pay later enables the buyer to choose between making a payment for ordered goods within a period from 21 days (new customer) to 45 days (customer with a Twisto account), without any additional costs. After the mentioned period of time, customer can split their payment into installments.

The procedure of processing payment and automatic collection for PayU | Pay later regarding e-shop integration is the same as for the service PayU | Installments.

Basic Information

• Pay Later with Twiso is available only on Czech market for a group or verticals.
• Merchant has to sign an annex and go through additional verification, before this payment method can be turned on.
• The service has to be integrated via OpenPayU (REST API) protocol.
• This service is not available on SDK.
• The value of payMethod parameter is "dpcz".

Service description

Pay later with Twisto enables the buyer to make a payment for ordered goods within 14 days without any additional costs. Mechant gets money within 2 working days from transaction acceptance.

Pay later with Twisto is "credit-type" payment method, so final decision depends on user scoring.

Partial and full refunds are fully supported via PayU system.

Request parameters description

<buyer> section fiedls description

<buyer.delivery>

<product> section fields description

<payMethod> section fields description

Order example via REST API with one product, basic Buyer data and extOrderId:

                curl -v -X POST https://secure.payu.com/api/v2_1/orders \
                    -H "Content-Type: application/json" \
                    -H "Authorization: Bearer 3e5cac39-7e38-4139-8fd6-30adc06a61bd" \
                    -d '{
                        "notifyUrl": "https://your.eshop.com/notify",
                        "customerIp": "127.0.0.1",
                        "merchantPosId": "145227",
                        "description": "RTV market",
                        "currencyCode": "CZK",
                        "totalAmount": "99900",
                        "extOrderId":"p0ruyvh4dx4ymzifoexy0o",
                        "buyer": {
                            "email": "jan.kowalski@example.com",
                            "phone": "+420123456789",
                            "firstName": "Jan",
                            "lastName": "Kowalski",
                            "delivery": {
                                "recipientName": "Jan Novak",
                                "recipientPhone": "+420123456789",
                                "street": "Antala Staska 2027/77",
                                "postalCode": "14000",
                                "city": "Praha",
                                "countryCode": "CZ" 
                            }
                        },
                        "payMethods":{
                            "payMethod":{
                                "type":"PBL",
                                "value":"dpcz"
                            }
                        },
                        "products": [
                            {
                                "name": "Laptop",
                                "unitPrice": "99900",
                                "quantity": "1"
                            }
                        ]
                    }'
            

Follow the steps described below in order to test.

Step 1

Create an account on sandbox environment, in case you don't have one - register, and activate your account.

Step 2

Login to your account - login page , and note your sandbox Company ID.

Step 3

Since Pay Later with Twisto is not a default payment method - please, contact us in order to activate it. In your request send your sandbox Company ID. PayU will create a shop and POS with the Pay Later with Twisto payment method for you.

Step 4

Send your order via the REST API on the created POS. Select Pay Later with Twisto on the Payu Paywall when applicable and you will be redirected to the Twisto simulator.

Step 5

On the Twisto simulator page Payu will present any validation problems with your order. Fix the errors to continue, and you will be able to authorize the payment. Exemplary validation result is presented below.