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1. Create an Authorisation Transaction

Authorisation transaction + auto-charge first payment
You can register a customer’s mandate AND charge them the first recurring payment as part of the same transaction. To do this all you have to do is pass the first_payment_amount parameter while creating the order. The flow to complete an authorisation transaction using paper NACH is a little different from the regular recurring payment flow. The flow when using paper NACH is:
  1. Create a customer.
  2. Create an order by passing the customer_id and method nach. When you do this, Razorpay generates a NACH form with the customer information pre-filled and ready to sign.
  3. The customer signs the form. The customer can obtain the form in one of the following ways:
    • You can download the form from the Dashboard and send it to the customer.
    • Download from the Hosted page (in the case of registration links).
  4. The signed form is uploaded to Razorpay. This can be done in one of the following ways:
    • Using custom Checkout page created from Razorpay APIs.
    • Hosted page (in the case of registration links).
    • The customer can send you the form and you can upload the form for the customer. The acceptable image formats and size are:
      • jpeg
      • jpg
      • png
      • Maximum accepted size is 6 MB.
Once the details are validated, the authorisation transaction is completed and a token is generated. You can charge your customer as per your business model once the token status changes to confirmed. You can create an authorisation transaction using Razorpay APIs or Registration Link.

1.1. Using Razorpay APIs

To create an authorisation transaction using Razorpay APIs, you need to:
1

[Create a Customer](#111-create-a-customer).

2

[Create an Order](#112-create-an-order).

3

[Create Authorisation Payment using Razorpay APIs](#113-create-an-a...

Handy Tips
For the Authorisation Payment to be successful in a day (for example, 5th June), you should create an Order and the Authorisation Transaction on the same day (5th June) before 11:59 pm.

1.1.1. Create a Customer

Razorpay links recurring tokens to customers using a unique identifier generated through the Customer API. You can create customers with basic information such as email and contact and use them for various Razorpay offerings. The following endpoint creates a customer. /customers

Sample Code

Curl
Response

Request Parameters

name : string The name of the customer. For example, Gaurav Kumar. email : string The email address of the customer. For example, gaurav.kumar@example.com. contact : string The phone number of the customer. For example, 9876543210. fail_existing optional : string The request throws an exception by default if a customer with the exact details already exists. You can pass an additional parameter fail_existing to get the existing customer’s details in the response. Possible values:
  • 1 (default): If a customer with the same details already exists, throws an error.
  • 0: If a customer with the same details already exists, fetches details of the existing customer.
notes optional : object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

1.1.2. Create an Order

You can use the Orders API to create a unique Razorpay order_id that is associated with the authorisation transaction. The following endpoint creates an order. /orders
Curl
Download and Upload the Pre-filled NACH Form
Once the order is created, the generated pre-filled form must be downloaded, signed by your customer and uploaded back to Razorpay to complete the transaction. You receive the following parameters as part of the response: prefilled_form : The link from where you can download the pre-filled NACH form. upload_form_url : The link where the NACH form should be uploaded once it is signed by the customer.

Request Parameters

amount mandatory : integer Amount in currency subunits. For Paper NACH, the amount has to be 0. currency mandatory : string The 3-letter ISO currency code for the payment. Currently, we only support INR. method mandatory : string The authorization method. In this case, the value will be nach. customer_id mandatory : string The unique identifier of the customer who is to be charged. For example, cust_D0cs04OIpPPU1F. receipt optional : string A user-entered unique identifier for the order. For example, Receipt No. 1. This parameter should be mapped to the order_id sent by Razorpay. notesoptional : object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”. token : Details related to the authorization such as max amount and bank account information. Pass a value in the first_payment_amount parameter if you want to auto-charge the customer the first payment immediately after authorization. first_payment_amount optional : integer The amount, in paise, the customer should be auto-charged in addition to the authorization amount. For example, 100000. auth_type mandatory : string In this case, it will be nach. bank_account : The customer’s bank account details. beneficiary_name mandatory : string Name on the bank account. For example, Gaurav Kumar. account_number mandatory : integer Customer’s bank account number. For example, 11214311215411. account_type mandatory : string Customer’s bank account type. Possible values:
  • savings (default)
  • current
ifsc_code mandatory : string Customer’s bank IFSC. For example, HDFC0000001. nach : Additional information to be printed on the NACH form that your customer will sign. form_reference1 optional : string A user-entered reference that appears on the NACH form. form_reference2 optional : string A user-entered reference that appears on the NACH form. max_amount optional : integer Use to set the maximum amount, in paise, per debit request. Know about maximum and default values. expire_at optional : integer The timestamp, in Unix, till when you can use the token (authorization on the payment method) to charge the customer subsequent payments. Defaults to 10 years for emandate. The value can range from the current date to 31-12-2099 (4101580799). notesoptional : object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

1.1.3. Create an Authorisation Payment

Follow these steps to create authorisation transaction:
  1. Download the Paper NACH form and send it to the customers.
  2. Ask the customers to fill the form and
    • Upload it via the Checkout.
    • Send it to you and you can upload it from the Dashboard.
  3. Upload the received form via create NACH File API.

1.1.3.1 Upload the NACH File via Checkout

Handler Function vs Callback URL
  • Handler Function:
When you use the handler function, the response object of the successful payment (razorpay_payment_id, razorpay_order_id and razorpay_signature) is submitted to the Checkout Form. You need to collect these and send them to your server.
  • Callback URL:
When you use a Callback URL, the response object of the successful payment (razorpay_payment_id, razorpay_order_id and razorpay_signature) is submitted to the Callback URL.
Custom checkout with handler functions

Additional Checkout Fields

customer_id mandatory : string Unique identifier of the customer created in the first step. order_id mandatory : string Unique identifier of the order created in the second step. recurring mandatory : boolean Determines whether the recurring is enabled or not. Possible values:
  • true: Recurring payment is enabled.
  • false: Recurring payment is not enabled.
Registration Link is an alternate way of creating an authorisation transaction. You can create a registration link using the API or Dashboard.
Handy Tips
When you create a registration link, an invoice is automatically issued to the customer. They can use this invoice to make the authorisation payment. A registration link must always have an amount (in paise) that the customer will be charged when making the authorisation payment. In the case of Paper NACH, the order amount must be 0. Use the below endpoint to create a registration link for recurring payments. /subscription_registration/auth_links
Download and Upload the Pre-filled NACH Form
Once the registration link is created, the generated pre-filled form must be downloaded, signed by your customer and uploaded back to Razorpay to complete the transaction. The hosted page has a Download NACH Form option from where the customer can download the pre-filled form. Once downloaded, the customer has to sign the form. The signed form can then be uploaded to Razorpay using the Upload NACH Form option on the hosted page.
Curl

Request Parameters

customer : Details of the customer to whom the registration link will be sent. name mandatory : string Customer’s name. email mandatory : string Customer’s email address. contactmandatory : string Customer’s phone number. type mandatory : string In this case, the value is link. currency mandatory : string The 3-letter ISO currency code for the payment. Currently, only INR is supported. amount mandatory : integer The payment amount in the smallest currency sub-unit. description mandatory : string A description that appears on the hosted page. For example, 12:30 p.m. Thali meals (Gaurav Kumar). subscription_registration : Details of the authorisation payment. first_payment_amount optional : integer The amount, in paise, the customer should be auto-charged in addition to the authorization amount. For example, 100000. method mandatory : string The NACH type used to make the authorisation payment. Here, it is physical. auth_type mandatory : string The authorization method used to make the authorisation transaction. Here, it is nach. bank_account : The customer’s bank account details. beneficiary_name mandatory : string The name on the beneficiary. For example, Gaurav Kumar. account_number mandatory : integer The customer’s bank account number. For example, 11214311215411. account_type mandatory : string The customer’s bank account type. Possible values:
  • savings
  • current
ifsc_code mandatory : string The customer’s bank IFSC. For example, HDFC0000001. max_amount optional : integer Use to set the maximum amount, in paise, per debit request. Know about maximum and default values. expire_at optional : integer The Unix timestamp till when you can use the token (authorization on the payment method) to charge the customer subsequent payments. The default value is 10 years for emandate. This value can range from the current date to 31-12-2099 (4101580799). nach : Additional information to be printed on the NACH form that your customer will sign. form_reference1 optional : string A user-entered reference that appears on the NACH form. form_reference2 optional : string A user-entered reference that appears on the NACH form. description optional : string A user-entered description that appears on the hosted page. For example, Form for Gaurav Kumar. sms_notify optional : boolean Indicates if SMS notifications are to be sent by Razorpay. Can have the following values:
  • true (default): Notifications are sent by Razorpay.
  • false: Notifications are not sent by Razorpay.
email_notify optional : boolean Indicates if email notifications are to be sent by Razorpay. Can have the following values:
  • true (default): Notifications are sent by Razorpay.
  • false: Notifications are not sent by Razorpay.
expire_by optional : integer The timestamp, in Unix, till when the registration link should be available to the customer to make the authorisation transaction. receipt optional : string A unique identifier entered by you for the order. For example, Receipt No. 1. This parameter should be mapped to the order_id sent by Razorpay. notes optional : object This is a key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

1.2.2. Send/Resend Notifications

The following endpoint sends/resends notifications with the short URL to the customer: /invoices/:id/notify_by/:medium

Sample Code

Curl
Response

Path Parameters

idmandatory : string The unique identifier of the invoice linked to the registration link for which you want to send the notification. For example, inv_1Aa00000000001. medium mandatory : string Determines through which medium you want to resend the notification. Possible values:
  • sms
  • email
Use the below endpoint to cancel a registration link. /invoices/:id/cancel
Note
You can only cancel registration link that is in the issued state.
Request

Path Parameter

id mandatory : string The unique identifier for the invoice linked to the registration link that you want to cancel. For example, inv_1Aa00000000001.

2. Fetch and Manage Tokens

Once you capture a payment, Razorpay Checkout returns a razorpay_payment_id. You can use this id to fetch the token_id, which is used to create and charge subsequent payments. You can retrieve the token_id using the Dashboard or the APIs given below.

2.1. Fetch Token by Payment ID

Use the below endpoint to fetch the token_id using a payment_id. /payments/:id
Curl
Handy Tips
You can also retrieve the token_id via the payment.authorized webhook.

Path Parameter

id mandatory : string The unique identifier of the payment to be retrieved. For example, pay_1Aa00000000002.

2.2. Fetch Tokens by Customer ID

Use the below endpoint to fetch tokens linked to a customer. A customer can have multiple tokens tied to them. These tokens can be used to create subsequent payments for multiple products or services.
Watch Out!This endpoint will not fetch the details of expired and unused tokens./customers/:id/tokens
Curl

Path Parameter

id mandatory : string The unique identifier of the customer for whom tokens are to be retrieved. For example, cust_1Aa00000000002.

2.3. Delete Tokens

The following endpoint deletes a token. /customers/:customer_id/tokens/:token_id
Curl
Response

Path Parameter

customer_id mandatory : string The unique identifier of the customer with whom the token is linked. For example, cust_1Aa00000000002. token_id mandatory : string The unique identifier of the token that is to be deleted. For example, token_1Aa00000000001.

3. Create Subsequent Payments

You should perform the following steps to create and charge your customer subsequent payments:
  1. Create an order to charge the customer
  2. Create a recurring payment

3.1. Create an Order to Charge the Customer

You have to create a new order every time you want to charge your customers. This order is different from the one created during the authorisation transaction. The following endpoint creates an order. /orders
Curl
Success Response

Request Parameters

amount mandatory : integer Amount in currency subunits. currency mandatory : string The 3-letter ISO currency code for the payment. receipt optional : string A user-entered unique identifier for the order. For example, Receipt No. 1. You should map this parameter to the order_id sent by Razorpay. notes optional : object Key-value pair you can use to store additional information about the entity. Maximum of 15 key-value pairs, 256 characters each. For example, "note_key": "Beam me up Scotty”. payment_capture mandatory : boolean Determines whether the payment status should be changed to captured automatically or not. Possible values:
  • true: Payments are captured automatically.
  • false: Payments are not captured automatically. You can manually capture payments using the Manually Capture Payments API.

3.2. Create a Recurring Payment

Once you have generated an order_id, use it with the token_id to create a payment and charge the customer. The following endpoint creates a payment to charge the customer. /payments/create/recurring
Curl
Success Response

Request Parameters

email mandatory : string The customer’s email address. For example, gaurav.kumar@example.com. contact mandatory : integer The customer’s phone number. For example, 9876543210. currency mandatory : string 3-letter ISO currency code for the payment. Currently, only INR is allowed. amount mandatory : integer The amount you want to charge your customer. This should be the same as the order amount. order_idmandatory : string The unique identifier of the order created. For example, order_1Aa00000000002. customer_id mandatory : string The unique identifier of the customer you want to charge. For example, cust_1Aa00000000002. token mandatory : string The token_id generated when the customer successfully completes the authorisation payment. Different payment instruments for the same customer have different token_id. recurring mandatory : boolean Determines whether recurring payment is enabled or not.
  • true: Recurring payment is enabled.
  • false: Recurring payment is not enabled.
notesoptional : object Key-value pair you can use to store additional information about the entity. Maximum of 15 key-value pairs, 256 characters each. For example, "note_key": "Beam me up Scotty”.