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
First-Time User Flow (Linking Flow):
For users transacting via LazyPay for the first time:Perform an eligibility check: Determine if the user is eligible for LazyPay.
Initiate a Wallet DOTP Transaction: Begin the wallet linking process using OTP authentication.
Submit the OTP: Validate the OTP to complete the process (Resend OTP option available).
Repeat User Flow (After Linking):
For users with an already linked LazyPay wallet:Call List Wallet API: Retrieve the list of linked wallets.
Perform an Eligibility Check: Confirm the user’s eligibility for the transaction.
Proceed with Direct Debit Transaction: Use the direct_wallet_token (received in the response of the List Wallet API) to complete the payment seamlessly.
API Reference:
List Wallet API:
Eligibility API:
Transaction API:
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.