--- page_source: https://juspay.io/in/docs/payment-method-integrations/express-checkout-sdk/lazypay-via-payu/integration page_title: Integration --- # LAZYPAY (via PayU) ## Overview LazyPay via PayU follows a **debit and link approach** , where the wallet is **automatically created and linked** upon the first transaction. There is no need for an explicit pre-linking process. This is handled seamlessly through the **Direct OTP (DOTP) flow** during the first transaction. ## Flow Overview 1. **First-Time User Flow (Linking Flow):** For users transacting via LazyPay for the first time: 1. **Perform an eligibility check:** Determine if the user is eligible for LazyPay. 2. **Initiate a Wallet DOTP Transaction:** Begin the wallet linking process using OTP authentication. 3. **Submit the OTP:** Validate the OTP to complete the process (**Resend OTP** option available). 2. **Repeat User Flow (After Linking):** For users with an already linked LazyPay wallet: 1. **Make Refresh Wallet process call:** Retrieve the list of linked wallets. 2. **Perform an Eligibility Check:** Confirm the user’s eligibility for the transaction. 3. **Proceed with Direct Debit Transaction:** Use the direct_wallet_token (received in Refresh Wallet process result ) to complete the payment seamlessly. ## Process Payloads: ### Refresh Wallet: **Request:** #### Request Code Snippet: ```request { "requestId": "eee6f65e-23dc-42e1-ad7c-ec3cddd64ac9", "service": "in.juspay.hyperapi", "payload": { "action": "refreshWalletBalances", "clientAuthToken": "tkn_0e37edc631d647fdb606ab48ccfc4213", "showLoader": true } } ``` **Response:** #### Repeat User Code Snippet: ```repeat user { "service": "in.juspay.hyperapi", "requestId": "eee6f65e-23dc-42e1-ad7c-ec3cddd64ac9", "payload": { "action": "refreshWalletBalances", "list": [ { "token": "tk_bf86ce85744c43c0bc9873ad914ee1c8", "linked": true, "id": "wlm_b4987224a9c4472d8fcadf17a34df9d8", "metadata": { "mobile_number": "9999999999" }, "current_balance": null, "wallet": "PAYU", "last_refreshed": null, "juspay_bank_code": null, "sub_details": [ { "current_balance": null, "last_refreshed": null, "payment_method": "LAZYPAY", "payment_method_type": "WALLET" } ], "object": "wallet_account" } ] }, "errorMessage": "", "errorCode": "", "error": false } ``` #### First time user Code Snippet: ```first time user { "service": "in.juspay.hyperapi", "requestId": "eee6f65e-23dc-42e1-ad7c-ec3cddd64ac9", "payload": { "action": "refreshWalletBalances", "list": [] }, "errorMessage": "", "errorCode": "", "error": false } ``` ### Eligibility Process Payload: **Request:** #### Request Code Snippet: ```request { "requestId": "eee6f65e-23dc-42e1-ad7c-ec3cddd64ac9", "service": "in.juspay.hyperapi", "payload": { "action": "eligibility", "amount": "1.00", "clientAuthToken": "tkn_0e37edc631d647fdb606ab48ccfc4213", "orderId": "hyperorder45314", "data": { "consumerFinance": [ { "checkType": [ "LAZYPAY","SNAPMINT" ], "customerId": "1234567890" } ], "cards": [], "wallets": [], "apps": [] } } } ``` **Response:** #### Eligible but not Linked Code Snippet: ```eligible but not linked { "requestId": "0576305c-3c91-9844-51a0c0b4cd4b", "service": "in.juspay.ec", "payload": { "action": "eligibility", "consumerFinance": [ { "customerId": "18a1e6a2-00d2-bcbd-dae7c60e093c", "paymentMethodsEligibility": [ { "status": "SUCCESS", "metadata": "{\"line_2\":null,\"line_1\":null,\"customized_string\":\"Pay ₹1000.0 now, rest in 4 Monthly Payments\"}", "description": "SNAPMINT", "payment_method": "SNAPMINT", "payment_method_type": "CONSUMER_FINANCE", "is_eligible": true }, { "status": "SUCCESS", "gateway_error_code": "linking_required", "description": "Lazy Pay Wallet", "payment_method": "LAZYPAY", "kfs_link": "", "payment_method_type": "WALLET", "is_eligible": true } ] } ] } } ``` #### Eligible & Linked Code Snippet: ```eligible & linked { "requestId": "0576305c-3c91-9844-51a0c0b4cd4b", "service": "in.juspay.ec", "payload": { "action": "eligibility", "consumerFinance": [ { "customerId": "18a1e6a2-00d2-bcbd-dae7c60e093c", "paymentMethodsEligibility": [ { "status": "SUCCESS", "gateway_error_code": "", "description": "Lazy Pay Wallet", "payment_method": "LAZYPAY", "kfs_link": "", "payment_method_type": "WALLET", "is_eligible": true } ] } ] } } ``` #### Ineligible Code Snippet: ```ineligible { "requestId": "0576305c-3c91-9844-51a0c0b4cd4b", "service": "in.juspay.ec", "payload": { "action": "eligibility", "consumerFinance": [ { "customerId": "18a1e6a2-00d2-bcbd-dae7c60e093c", "paymentMethodsEligibility": [ { "status": "INVALID_DATA", "gateway_error_code": "linking_required", "gateway_error_message": "This mobile number is not eligible. Please change the mobile number.", "description": "LAZYPAY", "payment_method": "LAZYPAY", "kfs_link": "", "payment_method_type": "WALLET", "is_eligible": false }, { "status": "USER_NOT_FOUND", "description": "Lazypay Emi Option", "eligibility_strategy": "TRANSACTION", "payment_method": "LAZYPAY_CLEMI", "payment_method_type": "CONSUMER_FINANCE", "is_eligible": false } ] } ] } } ``` ### Transaction Process Payload: For Linking transaction, pass an additional field `auth_type` with value as `“OTP"` .For Direct Debit Transaction, pass the `direct_wallet_token` , the value for which would be obtained from the List Wallet API’s response from the `token` field. **Request:** #### Linking Transaction Code Snippet: ```linking transaction { "requestId": "87df247f-7b84-ac5d-1c5523dd26af", "service": "in.juspay.hyperapi", "payload": { "action": "walletTxn", "authType": "OTP", "orderId": "12345", "paymentMethod": "LAZYPAY", "clientAuthToken": "tkn_0e37edc6cfc4213" } } ``` #### Direct Debit Transaction Code Snippet: ```direct debit transaction { "requestId": "68579cc4-b585-48d4-a1c2-73030fecf78c", "service": "in.juspay.hyperapi", "payload": { "action": "walletTxn", "orderId": "hyperorder45314", "paymentMethod": "LAZYPAY", "directWalletToken": "tkn_nvtQf8DP1A2oGoZu", "clientAuthToken": "tkn_0e37edc631d647fdb606ab48ccfc4213", "showLoader": true } } ``` **Response:** #### Response Code Snippet: ```response { "service": "in.juspay.hyperapi", "requestId": "87df247f-7b84-ac5d-1c5523dd26af", "payload": { "action": "walletTxn", "status": "CHARGED", "orderId": "12345" }, "errorMessage": "", "errorCode": "", "error": false } ``` ### Delink Wallet: #### Request Code Snippet: ```request { "requestId": "DD8DDE99-88C6-4462-9C2A-F8EA020AE6DA", "payload": { "action": "delinkWallet", "walletId": "wlt_vYsJ1rkzeSEXeWWW", "clientAuthToken": "tkn_0a101f272c6442d8aaf89f9b1b2c6d7e", }, "service": "in.juspay.hyperapi" } ``` ### Order Status API: For the Linking transaction, `txn_flow_type` will have the value: "`REDIRECT_DEBIT`" For Direct Debit Transaction, `txn_flow_type` will have the value: “`DIRECT_DEBIT`“ **Request:** #### Request Code Snippet: ```request curl --location 'https://sandbox.juspay.in/ecr/orders/jus_1767860150?options.add_full_gateway_response=true' \ --header 'Content-Type: application/x-www-form-urlencoded' \ --header 'version: 2023-01-01' \ --header 'x-merchantid: merchant_success' \ --header 'Authorization: Basic ******' ``` **Response:** #### Linking Transaction Response Code Snippet: ```linking transaction response { "customer_email": null, "customer_phone": "9999999999", "customer_id": "Tjuspay", "customer_phone_country_code": null, "status_id": 21, "status": "CHARGED", "id": "ordeh_d34586b02cd44bdca80097be4a22208c", "merchant_id": "merchant_success", "amount": 900, "currency": "INR", "order_id": "jus_1767863290", "date_created": "2026-01-08T09:08:09Z", "return_url": "https://www.google.co.in", "product_id": "", "payment_links": { "mobile": "https://sandbox.juspay.in/r/qC4j2K", "web": "https://sandbox.juspay.in/r/WAxZU2", "iframe": "https://sandbox.juspay.in/r/l7A9Fm" }, "udf1": "", "udf2": "", "udf3": "", "udf4": "", "udf5": "", "udf6": "", "udf7": "", "udf8": "", "udf9": "", "udf10": "", "txn_id": "ms-jus_1767863290-1", "payment_method_type": "WALLET", "auth_type": "", "payment_method": "LAZYPAY", "refunded": false, "amount_refunded": 0, "effective_amount": 900, "resp_code": null, "resp_message": null, "bank_error_code": "", "bank_error_message": "", "txn_uuid": "mozuikvvUN6qV5s4My9", "txn_detail": { "txn_id": "ms-jus_1767863290-1", "order_id": "jus_1767863290", "status": "CHARGED", "error_code": null, "net_amount": 900, "surcharge_amount": 0, "tax_amount": 0, "txn_amount": 900, "offer_deduction_amount": null, "remaining_refundable_amount": 900, "gateway_id": 12, "currency": "INR", "express_checkout": false, "redirect": true, "txn_uuid": "mozuikvvUN6qV5s4My9", "gateway": "PAYU", "error_message": "", "created": "2026-01-08T09:08:13Z", "last_updated": "2026-01-08T09:08:41Z", "txn_flow_type": "REDIRECT_DEBIT" }, "payment_gateway_response": { "resp_code": "success", "rrn": "TXN661436243", "created": "2026-01-08T09:08:21Z", "epg_txn_id": "403993715535881600", "resp_message": "Transaction is successful", "auth_id_code": "EMI294277459295050962", "txn_id": "ms-jus_1767863290-1", "gateway_response": { "PG_TYPE": "BNPL-PG", "addedon": "2026-01-08 14:38:14", "additional_charges": "0.00", "amt": "900.00", "bank_ref_num": "TXN661436243", "bankcode": "LAZYPAY", "card_no": "", "disc": "0.00", "error_Message": "NO ERROR", "error_code": "E000", "field2": "EMI294277459295050962", "field9": "Transaction is successful", "firstname": "Juspay", "mihpayid": "403993715535881600", "mode": "BNPL", "net_amount_debit": 900, "payment_source": "payuPureS2S", "productinfo": "Description not provided", "request_id": "", "status": "success", "transaction_amount": "900.00", "txnid": "ms-jus_1767863290-1", "udf1": "", "udf2": "", "udf3": "", "udf4": "", "udf5": "", "unmappedstatus": "captured" }, "discount_amount": 0, "merchant_subvention_amount_interest": null, "debit_amount": "900", "network_error_message": null, "network_error_code": null, "arn": null, "gateway_merchant_id": "T58CQx", "eci": null, "auth_ref_num": null, "umrn": null, "current_blocked_amount": null, "payer_ifsc": null, "xid": null, "cvv_check": null }, "gateway_id": 12, "emi_details": { "bank": null, "monthly_payment": null, "interest": null, "subvention_amount": null, "conversion_details": null, "principal_amount": null, "additional_processing_fee_info": null, "tenure": null, "subvention_info": [], "emi_type": null, "processed_by": null }, "metadata": { "order_expiry": "2026-01-11T09:08:09Z", "payment_page_client_id": "merchantsuccess", "payment_links": { "mobile": "https://sandbox.juspay.in/r/qC4j2K", "web": "https://sandbox.juspay.in/r/WAxZU2", "iframe": "https://sandbox.juspay.in/r/l7A9Fm" }, "PAYU:gateway_reference_id": "LZP" }, "gateway_reference_id": "LZP", "offers": [], "wallet": { "txn_flow_type": "REDIRECT_DEBIT", "payment_method": "LAZYPAY" }, "maximum_eligible_refund_amount": 900, "additional_info": {}, "order_expiry": "2026-01-11T09:08:09Z", "resp_category": null, "bank_pg": "BNPL-PG" } ``` #### Direct Debit Transaction Response Code Snippet: ```direct debit transaction response { "customer_email": null, "customer_phone": "9999999999", "customer_id": "AmbujSr987", "customer_phone_country_code": null, "status_id": 21, "status": "CHARGED", "id": "ordeh_9cf0905241174095a8e4700f6cb7458c", "merchant_id": "merchant_success", "amount": 900, "currency": "INR", "order_id": "jus_1767860150", "date_created": "2026-01-08T08:15:50Z", "return_url": "https://www.google.co.in", "product_id": "", "payment_links": { "mobile": "https://sandbox.juspay.in/r/hG5KBd", "web": "https://sandbox.juspay.in/r/PFvKQI", "iframe": "https://sandbox.juspay.in/r/aJf6xZ" }, "udf1": "", "udf2": "", "udf3": "", "udf4": "", "udf5": "", "udf6": "", "udf7": "", "udf8": "", "udf9": "", "udf10": "", "txn_id": "ms-jus_1767860150-1", "payment_method_type": "WALLET", "auth_type": "", "payment_method": "LAZYPAY", "refunded": false, "amount_refunded": 0, "effective_amount": 900, "resp_code": null, "resp_message": null, "bank_error_code": "", "bank_error_message": "", "txn_uuid": "mozwtRpNTvn3Vdqbdi9", "txn_detail": { "txn_id": "ms-jus_1767860150-1", "order_id": "jus_1767860150", "status": "CHARGED", "error_code": null, "net_amount": 900, "surcharge_amount": 0, "tax_amount": 0, "txn_amount": 900, "offer_deduction_amount": null, "remaining_refundable_amount": 900, "gateway_id": 12, "currency": "INR", "express_checkout": false, "redirect": true, "txn_uuid": "mozwtRpNTvn3Vdqbdi9", "gateway": "PAYU", "error_message": "", "created": "2026-01-08T08:16:05Z", "last_updated": "2026-01-08T08:16:14Z", "txn_flow_type": "DIRECT_DEBIT" }, "payment_gateway_response": { "resp_code": "success", "rrn": null, "created": "2026-01-08T08:16:14Z", "epg_txn_id": "403993715535881150", "resp_message": "Transaction is successful", "auth_id_code": "EMI272907500547184326", "txn_id": "ms-jus_1767860150-1", "gateway_response": { "addedon": "2026-01-08 13:46:06", "address1": "", "address2": "Ganapathi Temple Road", "amount": "900.00", "bank_ref_no": "TXN320662032", "card_token": "c973c33060c4673a8b6da", "city": "", "country": "India", "curl": "https://sandbox.juspay.in/v2/pay/response/merchant_success/mozwtRpNTvn3Vdqbdi9", "email": "name@mail.com", "field2": "EMI272907500547184326", "field4": "Transaction is successful", "field7": "PAYMENT_SUCCESSFUL", "field8": "SUCCESS", "field9": "Transaction is successful", "firstname": "Juspay", "furl": "https://sandbox.juspay.in/v2/pay/response/merchant_success/mozwtRpNTvn3Vdqbdi9", "lastname": "Technologies", "mihpayid": "403993715535881150", "mode": "BNPL", "offer_key": "", "payment_source": "payuS2S", "phone": "9999999999", "productinfo": "Description not provided", "state": "Karnataka", "status": "success", "surl": "https://sandbox.juspay.in/v2/pay/response/merchant_success/mozwtRpNTvn3Vdqbdi9", "txnid": "ms-jus_1767860150-1", "udf1": "", "udf2": "", "udf3": "", "udf4": "", "udf5": "", "unmappedstatus": "captured", "zipcode": "560095" }, "discount_amount": null, "merchant_subvention_amount_interest": null, "debit_amount": null, "network_error_message": null, "network_error_code": null, "arn": "TXN320662032", "gateway_merchant_id": "T58CQx", "eci": null, "auth_ref_num": null, "umrn": null, "current_blocked_amount": null, "payer_ifsc": null, "xid": null, "cvv_check": null }, "gateway_id": 12, "emi_details": { "bank": null, "monthly_payment": null, "interest": null, "subvention_amount": null, "conversion_details": null, "principal_amount": null, "additional_processing_fee_info": null, "tenure": null, "subvention_info": [], "emi_type": null, "processed_by": null }, "metadata": { "order_expiry": "2026-01-11T08:15:50Z", "payment_page_client_id": "merchantsuccess", "payment_links": { "mobile": "https://sandbox.juspay.in/r/hG5KBd", "web": "https://sandbox.juspay.in/r/PFvKQI", "iframe": "https://sandbox.juspay.in/r/aJf6xZ" }, "PAYU:gateway_reference_id": "LZP" }, "gateway_reference_id": "LZP", "offers": [], "wallet": { "txn_flow_type": "DIRECT_DEBIT", "payment_method": "LAZYPAY" }, "maximum_eligible_refund_amount": 900, "additional_info": {}, "order_expiry": "2026-01-11T08:15:50Z", "resp_category": null, "bank_pg": "" } ``` #### Response with Refund block Code Snippet: ```response with refund block { "customer_email": "dummyemail@gmail.com", "customer_phone": "9999999999", "customer_id": "cust_175705726", "customer_phone_country_code": null, "status_id": 21, "status": "CHARGED", "id": "ordeh_37dcec7c1fe84278bba4e177be", "merchant_id": "juspay", "amount": 2, "currency": "INR", "order_id": "jus_1768220814", "date_created": "2026-01-12T12:26:54Z", "last_updated": "2026-01-13T08:03:54Z", "return_url": "https://www.google.co.in", "product_id": "", "payment_links": { "mobile": "https://payments.juspay.in/payment-page/order/ordeh_37dcec7c1fe84278bba4e177be", "web": "https://payments.juspay.in/payment-page/order/ordeh_37dcec7c1fe84278bba4e177be", "iframe": "https://payments.juspay.in/payment-page/order/ordeh_37dcec7c1fe84278bba4e177be" }, "udf1": "", "udf2": "", "udf3": "", "udf4": "", "udf5": "", "udf6": "", "udf7": "", "udf8": "", "udf9": "", "udf10": "", "txn_id": "jus_1768220814", "payment_method_type": "WALLET", "auth_type": "", "payment_method": "LAZYPAY", "refunded": true, "amount_refunded": 2, "effective_amount": 2, "refunds": [ { "id": "TXN544216251", "amount": 2, "unique_request_id": "LZP_test", "ref": "19605795514", "created": "2026-01-13T07:24:58Z", "last_updated": "2026-01-14T20:07:54Z", "status": "SUCCESS", "error_message": "SUCCESS", "sent_to_gateway": true, "arn": "TXN544216251", "initiated_by": "API", "refund_source": "PAYU", "refund_type": "STANDARD", "pg_processed_at": "2026-01-13T08:03:53Z", "bank_processed_at": "2026-01-14T20:07:54Z", "error_code": "SUCCESS", "reversal_type": "SETTLED" } ], "resp_code": null, "resp_message": null, "bank_error_code": "", "bank_error_message": "", "txn_uuid": "mozauno5HhB1bUwe", "txn_detail": { "txn_id": "jus_1768220814", "order_id": "jus_1768220814", "status": "CHARGED", "error_code": null, "net_amount": 2, "surcharge_amount": null, "tax_amount": null, "txn_amount": 2, "offer_deduction_amount": null, "gateway_id": 12, "currency": "INR", "express_checkout": false, "redirect": true, "txn_uuid": "mozauno5HhB1bUwe", "gateway": "PAYU", "error_message": "", "created": "2026-01-12T12:26:59Z", "last_updated": "2026-01-12T12:28:50Z", "txn_flow_type": "REDIRECT_DEBIT" }, "payment_gateway_response": { "resp_code": "success", "rrn": "TXN5440855", "created": "2026-01-12T12:27:00Z", "epg_txn_id": "268241809", "resp_message": "Transaction is successful", "auth_id_code": "EMI963706988964297", "txn_id": "jus_1768220814", "gateway_response": { "PG_TYPE": "BNPL-PG", "addedon": "2026-01-12 17:56:59", "additional_charges": "0.00", "amt": "2.00", "bank_ref_num": "TXN5440855", "bankcode": "LAZYPAY", "card_no": "", "disc": "0.00", "error_Message": "NO ERROR", "error_code": "E000", "field2": "EMI963706988964297", "field9": "Transaction is successful", "firstname": "Juspay", "mihpayid": "268241809", "mode": "BNPL", "net_amount_debit": 2, "payment_source": "payuPureS2S", "productinfo": "Description not provided", "request_id": "", "status": "success", "transaction_amount": "2.00", "txnid": "jus_1768220814", "udf1": "", "udf2": "", "udf3": "", "udf4": "", "udf5": "", "unmappedstatus": "captured" }, "discount_amount": 0, "merchant_subvention_amount_interest": null, "debit_amount": "2", "network_error_message": null, "network_error_code": null, "arn": null, "gateway_merchant_id": "ZYOS", "eci": null, "auth_ref_num": null, "umrn": null, "current_blocked_amount": null, "payer_ifsc": null, "xid": null, "cvv_check": null }, "gateway_id": 12, "emi_details": { "bank": null, "monthly_payment": null, "interest": null, "subvention_amount": null, "conversion_details": null, "principal_amount": null, "additional_processing_fee_info": null, "tenure": null, "subvention_info": [], "emi_type": null, "processed_by": null }, "metadata": { "payment_page_client_id": "juspay", "payment_links": { "mobile": "https://payments.juspay.in/payment-page/order/ordeh_37dcec7c1fe84278bba4e177be", "web": "https://payments.juspay.in/payment-page/order/ordeh_37dcec7c1fe84278bba4e177be", "iframe": "https://payments.juspay.in/payment-page/order/ordeh_37dcec7c1fe84278bba4e177be" } }, "gateway_reference_id": null, "offers": [], "wallet": { "txn_flow_type": "REDIRECT_DEBIT", "payment_method": "LAZYPAY" }, "maximum_eligible_refund_amount": 0, "resp_category": null, "bank_pg": "BNPL-PG" } ```