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This guide explores Yuno’s NuPay integration using the Direct workflow. You’ll learn how to:
  • Enroll NuPay as a customer payment method
  • Make payments with installments (payment conditions)
  • Set up subscriptions

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Requirements

Before starting, you need:
  • A Yuno account with Dashboard access
  • API keys and an account_id (found in dashboard)
  • A customer created in Yuno (or create one in Step 1)

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Create and manage customers

Create the customer once using your external merchant_customer_id, then retrieve by Yuno id or by merchant_customer_id as needed.
  1. Use the Create Customer endpoint and provide your own merchant_customer_id (the unique id of the customer in your system). The response returns id which is the Yuno customer id.
  2. Use Retrieve Customer with the Yuno id.
  3. Use Retrieve Customer by External Id with query parameter merchant_customer_id.

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Enroll NuPay payment method

Follow these steps to enroll NU_PAY_ENROLLMENT to a customer using the Direct workflow.

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Step 1: Create a customer

If you don’t have a customer yet, create one as shown above. You’ll use the returned customer id.

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Step 2: Enroll the payment method

Use Enroll Payment Method with the following request parameters:
  • type: NU_PAY_ENROLLMENT
  • account_id: UUID of your account (from the Yuno Dashboard)
  • workflow: DIRECT
Expected response fields:
  • vaulted_token: UUID for the enrolled payment method
  • status: READY_TO_ENROLL
  • sub_status: WAITING_ADDITIONAL_STEP
  • action: REDIRECT_URL
  • redirect_url: URL to redirect the customer to Nu for authentication

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Step 3: Redirect the customer

Redirect the customer to the redirect_url. The customer completes the Nu flow. Nu notifies Yuno of the final state.

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Step 4: Confirm enrollment

Use Retrieve Enrolled Payment Method by id with the vaulted_token. A successful enrollment returns:
  • status: ENROLLED
  • sub_status: ENROLLED
The enrollment is only complete after Yuno receives Nu’s confirmation.

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Payments with payment conditions (installments)

After enrollment, you can accept payments with NuPay using payment conditions.

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Step 1: Ensure prerequisites

Have a Yuno customer id and an enrolled NuPay vaulted_token.

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Step 2: Get payment conditions

Request available installment options for NuPay using the APM installments endpoint. 
curl --location 'https://api-sandbox.y.uno/v1/apm-installments' \
--header 'public-api-key: {{your_public_api_key}}' \
--header 'private-secret-key: {{your_secret_api_key}}' \
--header 'X-account-code: {{your_account_code}}' \
--header 'Content-Type: application/json' \
--data '{
  "country": "BR",
  "amount": {
    "currency": "BRL",
    "value": "250"
  },
  "customer": {
    "id": "{{customer_id}}"
  },
  "payment_method": "NU_PAY_ENROLLMENT",
  "vaulted_token": "{{vaulted_token}}"
}'
The response returns an array of installment plans, including id, available installments, and amounts. Select a plan id and an allowed installments number.

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Step 3: Create payment

Use Create payment with the Direct workflow and NuPay type. Include the selected plan id and installments in the wallet card_data. 
{
  "description": "test",
  "account_id": "{{account_id}}",
  "merchant_order_id": "0000023",
  "country": "BR",
  "merchant_reference": "ref-merchant-AA01",
  "amount": {
    "currency": "BRL",
    "value": 250
  },
  "customer_payer": {
    "id": "{{customer_id}}"
  },
  "workflow": "DIRECT",
  "callback_url": "https://your-callback.com",
  "payment_method": {
    "type": "NU_PAY_ENROLLMENT",
    "vaulted_token": "{{vaulted_token}}",
    "detail": {
      "wallet": {
        "card_data": {
          "installments_plan_id": "{{plan_id}}",
          "installments": 2
        }
      }
    }
  }
}

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Step 4: Retrieve payment

Use Retrieve payment by id to confirm final status.

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Subscription flow

You can use NuPay for recurring charges.
  1. Create a customer
  2. Enroll NuPay as a payment method (see above)
  3. Create a subscription with the enrolled vaulted_token using Create subscription
  4. Retrieve the subscription using Retrieve subscription
Limitations
  • Subscriptions with NuPay do not support payment conditions (installments)
  • Creating subscriptions directly within a payment request is not supported

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Endpoints