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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:
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).
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:

Response:

Eligibility Process Payload:

Request:

Response:

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:

Response:

Delink Wallet:

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:

Response: