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One last thing before you start coding:

You will notice a couple of terms during your stay with us and our handy Glossary and this detailed discussion should help you out.  The following warrant extra attention though: 'Auth', 'Reserve', 'Settle', and 'Finalise'.

Auth / Reserve:

They are roughly equivalent. 'Auth' is the banking side of things, 'Reserve' is our internal term.  They both mean the funds are no longer available to be spent, but have not been transferred to the merchant's account.

Settle / Finalize:

If a transaction is 'Finalised' or 'Settled' the money has moved from the customer to the merchant's account.  'Settle' is the more common term in banking circles.  'Finalise' is the PayU term for the same concept.