PayU + WhatsApp API Integration — Complete Guide 2025

PayU handles payments for millions of Indian businesses. WA.Expert makes sure customers know about those payments instantly — via WhatsApp, where open rates are 94% vs 28% for PayU email receipts.

Connect PayU + WhatsApp → Talk to an Expert

PayU + WA

India's largest payment gateway + WhatsApp stack

Instant

WhatsApp within seconds of PayU payment event

S2S IPN

PayU server-to-server notification → WA.Expert

All products

PayU payment links, UPI, EMI, subscriptions

What You Can Automate

Top use cases for PayU + WhatsApp API

PayU is one of India's oldest and most widely used payment gateways — processing millions of transactions daily for e-commerce, SaaS, and fintech businesses. WA.Expert connects PayU's webhook events to WhatsApp notifications via WA.Expert.

💳

Payment success → WhatsApp receipt

PayU payment captured fires instant WhatsApp receipt with txhash, amount, and date.

❌

Payment failed → recovery

PayU payment failure fires WhatsApp with fresh payment link to retry.

↩️

Refund processed → WhatsApp

PayU refund event fires WhatsApp confirming refund amount and credit timeline.

📅

EMI deduction → WhatsApp

Monthly EMI deducted via PayU fires WhatsApp receipt to borrower.

Trigger → Action

How PayU events trigger WhatsApp messages

PayU trigger	WhatsApp action (WA.Expert)	Business impact
Payment status=success	Instant WhatsApp receipt	94% read rate
Payment status=failure	WhatsApp with retry payment link	35% recovery
Refund processed	WhatsApp refund confirmation	Reduces support queries
EMI deduction (LazyPay/BNPL)	WhatsApp EMI receipt	Customer transparency
Subscription renewal	WhatsApp renewal confirmation	Reduces churn confusion

Setup Guide

How to connect PayU to WhatsApp API

Enable PayU S2S IPN (server-to-server)

In PayU Dashboard → Payment Settings → Instant Payment Notification. Set your WA.Expert webhook URL as the S2S URL. Enable for success, failure, and refund events.

Extract phone from PayU payload

PayU's S2S payload includes the phone field from the payment form (phone parameter). Map this to WA.Expert's "to" field. Ensure your PayU payment form collects phone number.

Verify PayU hash in webhook

PayU sends a hash for webhook verification. WA.Expert's PayU integration verifies this hash automatically to prevent fraudulent webhook calls. Alternatively, implement hash verification in your server before forwarding to WA.Expert.

Configure message templates

Create WhatsApp templates for payment success, failure, and refund. WA.Expert's template library includes pre-approved PayU payment templates. Template variables: customer name, amount, txhash, date.

Handle PayU's Easebuzz and LazyPay sub-products

PayU owns multiple payment products (PayU Money, Easebuzz, LazyPay). The S2S IPN format varies slightly between products. WA.Expert normalises these into a consistent format — configure once, works across all PayU products.

Sample PayU → WhatsApp payload

// PayU S2S IPN → WA.Expert
// POST params from PayU on payment success

status=success
txnid=TXN1234567890
amount=1499.00
phone=9876543210
firstname=Priya
productinfo=Course Enrollment
hash=[PayU verification hash]

// WA.Expert maps → WhatsApp template
to: phone → +919876543210
template: payu_receipt
variables: {name, amount, txnid}

WA.Expert handles WhatsApp API authentication, template approval, and delivery. You only pass the trigger data from PayU — no WhatsApp API expertise needed on your end.

FAQ

PayU + WhatsApp — common questions

How is PayU different from Razorpay and Cashfree for WhatsApp integration?

All three work with WA.Expert via webhooks. PayU uses S2S IPN (server-to-server notification) with form POST parameters — slightly different from Razorpay and Cashfree which use JSON webhooks. WA.Expert handles all three formats natively. PayU has stronger penetration in traditional e-commerce and education sectors.

What if PayU doesn't send the phone number in the webhook?

PayU only sends the phone number if it was collected during checkout. Ensure your PayU payment form (or the PayU payment page customisation) includes a required phone field. If phone is missing from the payload, WA.Expert cannot send the WhatsApp — the notification is silently dropped.

Can I use PayU payment links with WhatsApp?

Yes — you can generate PayU payment links via API and send them to customers via WA.Expert WhatsApp messages. The payment link WhatsApp is commonly used for invoice payment, custom order payment, and fee collection.

Does WA.Expert verify PayU webhook signatures?

Can I handle PayU subscription billing via WhatsApp?

Yes — PayU's subscription billing (si_details) fires webhook events for each cycle. WA.Expert sends a WhatsApp receipt for each successful subscription payment and a recovery WhatsApp for failed subscription payments.

What is the typical delay between PayU payment and WhatsApp receipt?

With S2S IPN directly to WA.Expert: typically 2–5 seconds. Via Zapier: 1–3 minutes. Via Make: near-instant on paid plans. For most customer use cases, the 2–5 second direct webhook approach is preferred.

Related Integrations

More WhatsApp integration guides

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Every PayU payment event — success, failure, refund — becomes an instant WhatsApp notification your customer actually reads.

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