NuPay

This guide explores how to integrate NuPay, the digital payment method from NuBank, into your checkout. Yuno supports both the Yuno SDK (recommended) and Direct API workflows. You’ll learn how to:

Enroll NuPay as a customer payment method
Make payments without enrollment (2FA mode)
Make payments with installments (payment conditions)
Set up subscriptions

Requirements

Before starting, you need:

A Yuno account with Dashboard access
API keys and an account_id (found in the dashboard)
A customer created in Yuno (or create one in Step 1)

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.

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.
Use Retrieve Customer with the Yuno id.
Use Retrieve Customer by External Id with query parameter merchant_customer_id.

Enroll NuPay payment method

Follow the steps below to enroll the NU_PAY_ENROLLMENT payment method to a customer.

Yuno SDK
Direct API

With the SDK integration, Yuno handles displaying the NuPay payment method, redirecting the customer to NuBank for authentication, and managing the return flow.

Step 1: Create a customer

Create a customer and obtain their Yuno customer id using the Create Customer endpoint.

Step 2: Create a customer session

Use the customer id and the Create Customer Session endpoint to receive a customer_session.

Step 3: Initialize the SDK and enroll

Initialize Yuno’s SDK (Web, Android, or iOS) with the customer_session.If using the SDK checkout or headless integration, call Enroll Payment Method (Checkout) (POST /customers/sessions/{customer_session}/payment-methods) with payment_method_type: NU_PAY_ENROLLMENT.The SDK automatically displays the NuPay payment method, manages the customer redirection to NuBank, and handles the authentication flow.

Step 4: Confirm enrollment

Listen to webhooks or retrieve enrolled payment methods to verify the status is ENROLLED.

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

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.

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

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.

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.

Payments without enrollment (2FA mode)

You can accept one-time payments with NuPay without requiring the customer to enroll their payment method. This is often referred to as 2FA mode, as the customer authenticates each transaction individually.

Yuno SDK
Direct API

Accept payments without enrollment using Yuno’s SDK. The SDK handles displaying NuPay and redirecting the customer to complete the authentication.

Step 1: Create a checkout session

Start by creating a checkout session using the Create Checkout Session endpoint.

{
  "country": "BR",
  "customer_id": "{{customer_id}}",
  "merchant_order_id": "order-0000024",
  "amount": {
    "currency": "BRL",
    "value": 15000
  }
}

The response returns a checkout_session ID.

Step 2: Initialize the SDK

Initialize Yuno’s SDK (Web, Android, or iOS) with the checkout_session ID. NuPay will automatically render as an available payment option in the SDK interface.

Step 3: Customer completes payment

When the customer selects NuPay:

The SDK prompts the customer for authentication.
The customer is redirected to Nu for 2FA authentication.
The SDK receives the result and processes the payment through Yuno.

Step 4: Handle SDK workflow payments (Optional)

If you are calling the Yuno payments API directly while using the SDK checkout, set the workflow to SDK_CHECKOUT and pass the checkout.session token:

{
  "description": "One-time NuPay Payment via SDK",
  "account_id": "{{account_id}}",
  "merchant_order_id": "0000024",
  "country": "BR",
  "amount": {
    "currency": "BRL",
    "value": 150
  },
  "customer_payer": {
    "id": "{{customer_id}}"
  },
  "workflow": "SDK_CHECKOUT",
  "checkout": {
    "session": "{{checkout_session_id}}"
  },
  "payment_method": {
    "type": "NU_PAY"
  }
}

Step 1: Create a payment

Use Create payment with the Direct workflow and the NU_PAY payment method type. In this mode, you don’t need a vaulted_token.

{
  "description": "One-time NuPay Payment",
  "account_id": "{{account_id}}",
  "merchant_order_id": "0000024",
  "country": "BR",
  "amount": {
    "currency": "BRL",
    "value": 150
  },
  "customer_payer": {
    "id": "{{customer_id}}"
  },
  "workflow": "DIRECT",
  "callback_url": "https://your-callback.com",
  "payment_method": {
    "type": "NU_PAY"
  }
}

Step 2: Handle the response

Since this mode requires customer authentication, the response will return an action to redirect the user.

status: READY_TO_PAY
sub_status: WAITING_ADDITIONAL_STEP
action: REDIRECT_URL
redirect_url: URL to redirect the customer to Nu for 2FA authentication.

Step 3: Confirm payment

After the customer completes the authentication, use Retrieve payment by id to confirm the final status.

Payments with payment conditions (installments)

NuPay supports installments for both enrolled payment methods and one-time payments (2FA mode).

Yuno SDK
Direct API

NuPay supports installments for enrolled payment methods and one-time payments (2FA mode) within the SDK.

Step 1: Get payment conditions

Request available installment options using the APM installments endpoint, depending on the flow:

Enrollment Flow
2FA Mode

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}}"
}'

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",
  "payment_method": "NU_PAY",
  "amount": {
    "currency": "BRL",
    "value": "250"
  },
  "customer": {
    "document": {
      "document_type": "CPF",
      "document_number": "12345678900"
    },
    "email": "customer@email.com"
  }
}'

Select the plan id and installments number from the response.

Step 2: Create payment using SDK workflow

Create the payment using the SDK workflow by setting workflow: "SDK_CHECKOUT" and passing the checkout.session along with the plan details:

{
  "description": "NuPay Installment Payment via SDK",
  "account_id": "{{account_id}}",
  "merchant_order_id": "0000023",
  "country": "BR",
  "amount": {
    "currency": "BRL",
    "value": 250
  },
  "customer_payer": {
    "id": "{{customer_id}}"
  },
  "workflow": "SDK_CHECKOUT",
  "checkout": {
    "session": "{{checkout_session_id}}"
  },
  "payment_method": {
    "type": "NU_PAY_ENROLLMENT",
    "vaulted_token": "{{vaulted_token}}",
    "detail": {
      "wallet": {
        "card_data": {
          "installments_plan_id": "{{plan_id}}",
          "installments": 2
        }
      }
    }
  }
}

Step 1: Ensure prerequisites

Depending on the flow, you’ll need:

Enrollment Flow: A Yuno customer id and an enrolled NuPay vaulted_token.
2FA Mode: Customer details, specifically their tax ID (CPF) and email.

Step 2: Get payment conditions

Request available installment options for NuPay using the APM installments endpoint. The request parameters vary based on the integration flow.

Enrollment Flow
2FA Mode

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}}"
}'

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",
  "payment_method": "NU_PAY",
  "amount": {
    "currency": "BRL",
    "value": "250"
  },
  "customer": {
    "document": {
      "document_type": "CPF",
      "document_number": "12345678900"
    },
    "email": "customer@email.com"
  }
}'

The response returns an array of installment plans, including id, available installments, and amounts. Select a plan id and an allowed installments number.

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
        }
      }
    }
  }
}

Step 4: Retrieve payment

Use Retrieve payment by id to confirm final status.

Subscription flow

You can use NuPay for recurring charges.

Yuno SDK
Direct API

Recurring payments/subscriptions with NuPay can be easily set up using the SDK enrollment token:

Create a customer.
Enroll NuPay via Yuno SDK (Checkout workflow) to obtain a vaulted_token.
Create a subscription with the enrolled vaulted_token using the Create subscription endpoint.
Retrieve and manage subscription state as needed.

Create a customer
Enroll NuPay as a payment method (see above)
Create a subscription with the enrolled vaulted_token using Create subscription
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

Apple Pay

Google Pay™

Requirements

Create and manage customers

Enroll NuPay payment method

Step 1: Create a customer

Step 2: Create a customer session

Step 3: Initialize the SDK and enroll

Step 4: Confirm enrollment

Step 1: Create a customer

Step 2: Enroll the payment method

Step 3: Redirect the customer

Step 4: Confirm enrollment

Payments without enrollment (2FA mode)

Step 1: Create a checkout session

Step 2: Initialize the SDK

Step 3: Customer completes payment

Step 4: Handle SDK workflow payments (Optional)

Step 1: Create a payment

Step 2: Handle the response

Step 3: Confirm payment

Payments with payment conditions (installments)

Step 1: Get payment conditions

Step 2: Create payment using SDK workflow

Step 1: Ensure prerequisites

Step 2: Get payment conditions

Step 3: Create payment

Step 4: Retrieve payment

Subscription flow

Endpoints

Apple Pay

Google Pay™

Documentation Index

​Requirements

​Create and manage customers

​Enroll NuPay payment method

​Step 1: Create a customer

​Step 2: Create a customer session

​Step 3: Initialize the SDK and enroll

​Step 4: Confirm enrollment

​Step 1: Create a customer

​Step 2: Enroll the payment method

​Step 3: Redirect the customer

​Step 4: Confirm enrollment

​Payments without enrollment (2FA mode)

​Step 1: Create a checkout session

​Step 2: Initialize the SDK

​Step 3: Customer completes payment

​Step 4: Handle SDK workflow payments (Optional)

​Step 1: Create a payment

​Step 2: Handle the response

​Step 3: Confirm payment

​Payments with payment conditions (installments)

​Step 1: Get payment conditions

​Step 2: Create payment using SDK workflow

​Step 1: Ensure prerequisites

​Step 2: Get payment conditions

​Step 3: Create payment

​Step 4: Retrieve payment

​Subscription flow

​Endpoints

Requirements

Create and manage customers

Enroll NuPay payment method

Step 1: Create a customer

Step 2: Create a customer session

Step 3: Initialize the SDK and enroll

Step 4: Confirm enrollment

Step 1: Create a customer

Step 2: Enroll the payment method

Step 3: Redirect the customer

Step 4: Confirm enrollment

Payments without enrollment (2FA mode)

Step 1: Create a checkout session

Step 2: Initialize the SDK

Step 3: Customer completes payment

Step 4: Handle SDK workflow payments (Optional)

Step 1: Create a payment

Step 2: Handle the response

Step 3: Confirm payment

Payments with payment conditions (installments)

Step 1: Get payment conditions

Step 2: Create payment using SDK workflow

Step 1: Ensure prerequisites

Step 2: Get payment conditions

Step 3: Create payment

Step 4: Retrieve payment

Subscription flow

Endpoints