1. Create an Authorisation Transaction

UPI Collect Flow Deprecated According to NPCI guidelines, the UPI Collect flow is being deprecated for new UPI Autopay registrations effective 28 February 2026.

Customers can no longer register UPI mandates by manually entering VPA/UPI id/mobile numbers.
Subsequent debits for existing mandates created via UPI Collect will continue to be executed without change.

Exemptions UPI Collect will continue to be supported for:

MCC 6012 & 6211 (IPO and secondary market transactions).
iOS mobile app and mobile web transactions.
UPI Mandates (execute/modify/revoke operations only).
eRupi vouchers.
PACB businesses (cross-border/international payments).

Action Required

If you are a new Razorpay user, use UPI Intent.
If you are an existing Razorpay user not covered by exemptions, you must migrate to UPI Intent or UPI QR code to continue accepting UPI Autopay registrations. For detailed migration steps, refer to the migration documentation.

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:

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

Create a Customer.

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

Create an Order.

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

Create Authorisation Payment using Razorpay APIs.

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

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/customers \
-H "Content-Type: application/json" \
-d '{
  "name": "Gaurav Kumar",
  "email": "gaurav.kumar@example.com",
  "contact": "+919876543210",
  "fail_existing": "0",
  "notes":{
    "note_key_1": "September",
    "note_key_2": "Make it so."
  }
}'

```java: Java
RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject customerRequest = new JSONObject();
customerRequest.put("name","Gaurav Kumar");
customerRequest.put("contact","+919876543210");
customerRequest.put("email","gaurav.kumar@example.com");
customerRequest.put("fail_existing", "0");
JSONObject notes = new JSONObject();
notes.put("notes_key_1","Tea, Earl Grey, Hot");
notes.put("notes_key_2","Tea, Earl Grey… decaf.");
customerRequest.put("notes",notes);

Customer customer = razorpay.customers.create(customerRequest);

```python: Python
import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.customer.create({
    'name': 'Gaurav Kumar',
    'email': 'gaurav.kumar@example.com',
    'contact': '+919876543210',
    'fail_existing': "0",
    'notes': {'note_key_1': 'September', 'note_key_2': 'Make it so.'}
    })

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
    "name": "Gaurav Kumar",
    "contact": +919876543210,
    "email": "gaurav.kumar@example.com",
    "fail_existing": "0",
    "notes": map[string]interface{}{
        "notes_key_1": "Tea, Earl Grey, Hot",
        "notes_key_2": "Tea, Earl Grey… decaf.",
    },
}
body, err := client.Customer.Create(data, nil)

```php: PHP
$api = new Api($key_id, $secret);

$api->customer->create(array('name' => 'Gaurav Kumar', 'email' => 'gaurav.kumar@example.com','contact'=>'+919876543210','fail_existing' => "0", 'notes'=> array('notes_key_1'=> 'Tea, Earl Grey, Hot','notes_key_2'=> 'Tea, Earl Grey… decaf'));
```csharp: .NET
RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary options = new Dictionary();

options.Add("name", "Gaurav Kumar"); 
options.Add("contact", "+919876543210"); 
options.Add("email", "gaurav.kumar@example.com"); 
options.Add("fail_existing", "0"); 

Customer customer = Customer.Create(options);

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
  "name": "Gaurav Kumar",
  "contact": "+919876543210",
  "email": "gaurav.kumar@example.com",
  "fail_existing": "0",
  "notes": {
    "notes_key_1": "Tea, Earl Grey, Hot",
    "notes_key_2": "Tea, Earl Grey… decaf."
  }
}

Razorpay::Customer.create(para_attr)

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.customers.create({
  name: "Gaurav Kumar",
  contact: "+919876543210",
  email: "gaurav.kumar@example.com",
  fail_existing: "0",
  notes: {
    notes_key_1: "Tea, Earl Grey, Hot",
    notes_key_2: "Tea, Earl Grey… decaf."
  }
})

Response

{
  "id":"cust_1Aa00000000001",
  "entity":"customer",
  "name":"Gaurav Kumar",
  "email":"gaurav.kumar@example.com",
  "contact":"+919876543210",
  "gstin":null,
  "notes":{
      "note_key_1":"September",
      "note_key_2":"Make it so."
  },
  "created_at ":1234567890
}

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”.

Response Parameters

id : string The unique identifier of the customer. For example cust_1Aa00000000001. entity : string The name of the entity. Here, it is customer. 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. notes : 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”. created_at : integer A Unix timestamp, at which the customer was created. You can create an order once you create a customer for the payment authorisation.

1.1.2 Create an Order

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

Sample Code

Curl

curl -u : \
-X POST https://api.razorpay.com/v1/orders \
-H "Content-Type: application/json" \
-d '{
  "amount": 100,
  "currency": "INR",
  "customer_id": "cust_4xbQrmEoA5WJ01",
  "method": "upi",
  "token": {
    "max_amount": 200000,
    "expire_at": 2709971120,
    "frequency": "monthly",
    "recurring_value": 25,
    "recurring_type": "on"
  },
  "receipt": "Receipt No. 1",
  "notes": {
    "notes_key_1": "Tea, Earl Grey, Hot",
    "notes_key_2": "Tea, Earl Grey… decaf."
  }
}'

```java: Java
RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject orderRequest = new JSONObject();
orderRequest.put("amount", 100);
orderRequest.put("currency", "INR");
orderRequest.put("customer_id", "cust_4xbQrmEoA5WJ01");
orderRequest.put("method", "upi");
orderRequest.put("receipt", "receipt#1");
JSONObject token = new JSONObject();
token.put("max_amount","200000"); 
token.put("expire_at","2709971120");
token.put("frequency","monthly");
token.put("recurring_value","25");
token.put("recurring_type","on");
orderRequest.put("token", token);
JSONObject notes = new JSONObject();
notes.put("notes_key_1","Tea, Earl Grey, Hot");
notes.put("notes_key_2","Tea, Earl Grey… decaf.");
orderRequest.put("notes", notes);

Order order = razorpay.orders.create(orderRequest);

```php: PHP
$api = new Api($key_id, $secret);

$api->order->create(array('amount' => 0,'currency' => 'INR','method' => 'upi','customer_id' => 'cust_4xbQrmEoA5WJ01', 'token' => array('max_amount' => 200000, 'expire_at' => 2709971120, 'frequency' => 'monthly', 'recurring_value' => '25', 'recurring_type' => 'on'),'receipt' => 'Receipt No. 1' ,'notes' => array('notes_key_1' => 'Beam me up Scotty','notes_key_2' => 'Engage')));

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.orders.create({
  amount: 0,
  currency: "INR",
  method: "upi",
  customer_id: "cust_1Aa00000000001",
  receipt: "Receipt No. 1",
  notes: {
    notes_key_1: "Beam me up Scotty",
    notes_key_2: "Engage"
  },
  token: {
    auth_type: "netbanking",
    max_amount: 9999900,
    expire_at: 4102444799,
    recurring_value: 25,
    recurring_type: "on",
    notes: {
      notes_key_1: "Tea, Earl Grey, Hot",
      notes_key_2: "Tea, Earl Grey… decaf."
    }
  }
})

```python: Python
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.order.create({
   "amount":0,
   "currency":"INR",
   "method":"upi",
   "customer_id":"cust_1Aa00000000001",
   "receipt":"Receipt No. 1",
   "notes":{
      "notes_key_1":"Beam me up Scotty",
      "notes_key_2":"Engage"
   },
   "token":{
      "auth_type":"netbanking",
      "max_amount":9999900,
      "expire_at":4102444799,
      "recurring_value": 25,
      "recurring_type": "on",
      "notes":{
         "notes_key_1":"Tea, Earl Grey, Hot",
         "notes_key_2":"Tea, Earl Grey… decaf."
      }
   }
})

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
  "amount": 0,
  "currency": "INR",
  "method": "upi",
  "customer_id": "cust_1Aa00000000001",
  "receipt": "Receipt No. 1",
  "notes": {
    "notes_key_1": "Beam me up Scotty",
    "notes_key_2": "Engage"
  },
  "token": {
    "auth_type": "netbanking",
    "max_amount": 9999900,
    "expire_at": 4102444799,
    "recurring_value": 25,
    "recurring_type": "on",
    "notes": {
      "notes_key_1": "Tea, Earl Grey, Hot",
      "notes_key_2": "Tea, Earl Grey… decaf."
    }
  }
}
Razorpay.Order.create(para_attr)

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
   "amount":100,
   "currency":"INR",
   "customer_id":"",
   "method":"upi",
   "token":map[string]interface{}{
      "max_amount":5000,
      "expire_at":2709971120,
      "frequency":"monthly",
      "recurring_value": 25,
      "recurring_type": "on"
   },
   "receipt":"Receipt No. 1",
   "notes":map[string]interface{}{
      "notes_key_1":"Tea, Earl Grey, Hot",
      "notes_key_2":"Tea, Earl Grey... decaf.",
   },
}
body, err := client.Order.Create(data, nil)

Success Response

{
  "id": "order_1Aa00000000002",
  "entity": "order",
  "amount": 100,
  "amount_paid": 0,
  "amount_due": 100,
  "currency": "INR",
  "receipt": "Receipt No. 1",
  "offer_id": null,
  "status": "created",
  "attempts": 0,
  "notes": {
    "notes_key_1": "Tea, Earl Grey, Hot",
    "notes_key_2": "Tea, Earl Grey… decaf."
    }
  "created_at": 1565172642
}

```json: Failure Response
{
   "error":{
      "code":"BAD_REQUEST_ERROR",
      "description":"The api key provided is invalid",
      "source":"NA",
      "step":"NA",
      "reason":"NA",
      "metadata":{
         
      }
   }
}

Handy Tips

The subsequent payment frequency is displayed on your customer’s PSP. They can select the required frequency while registering for the mandate.

Request Parameters

amount mandatory : integer Amount in currency subunits. currency mandatory : string The 3-letter ISO currency code for the payment. Currently, we only support INR. customer_id mandatory : string The unique identifier of the customer. For example, cust_4xbQrmEoA5WJ01. method mandatory : string The authorisation method. Here, it is upi. receipt optional : string A user-entered unique identifier of the order. For example, Receipt No. 1. You should map this parameter 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 each. For example, "note_key": "Beam me up Scotty”. token : Details related to the authorisation such as max amount, frequency and expiry information. max_amount mandatory : integer The maximum amount that can be debited in a single charge.

MCC | Category | Min Value | Max Value

6211 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

6300 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

7322 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

6529 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

5960 | Services | 100 (₹1) | 20000000 (₹2,00,000) For other categories and MCCs, the minimum value is 100 (₹1) and maximum value is 9999900 (₹99,999). expire_at mandatory : integer The Unix timestamp that indicates when the authorisation transaction must expire. The default value is 10 years and the maximum value allowed is 30 years. frequency mandatory : string The frequency at which you can charge your customer. Possible values:

daily
weekly
fortnightly
bimonthly
monthly
quarterly
half_yearly
yearly
as_presented

recurring_value optional : integer Determines the exact date or range of dates for recurring debits. Possible values are:

1-7 for weekly frequency
1-31 for fortnightly frequency
1-31 for bimonthly frequency
1-31 for monthly frequency
1-31 for quarterly frequency
1-31 for half_yearly frequency
1-31 for yearly frequency and is not applicable for the as_presented frequency.

Watch Out!If the date entered for the recurring debit is not available for a month, then the last day of the month is considered by default. For example, if the date entered is 31 and the month has only 28 days, then the date 28 is considered.recurring_type optional : string Determines when the recurring debit can be done. Possible values are:

on: Recurring debit happens on the exact day of every month.

Handy Tips

For creating an order with recurring_type=on, set the recurring_value parameter to the current date.

before: Recurring debit can happen any time before the specified date.
after: Recurring debit can happen any time after the specified date.

For example, if the frequency is monthly, recurring_value is 17 and recurring_type is before, recurring debit can happen between the month’s 1st and 17th. Similarly, if recurring_type is after, recurring debit can only happen on or after the 17th of the month.

Response Parameters

id : string A unique identifier of the order created. For example order_1Aa00000000001. entity : string The entity that has been created. Here it is order. amount : integer Amount in currency subunits. For emandate, the amount should be 0. amount_paid : integer The amount that has been paid. amount_due : integer The amount that is yet to be paid. currency : string The 3-letter ISO currency code for the payment. Currently, we only support INR. receipt : string A user-entered unique identifier of the order. For example, rcptid #1. You should map this parameter to the order_id sent by Razorpay. status : string The status of the order. notes : 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”. created_at : integer The Unix timestamp at which the order was created.

Error Response Parameters

Given below is a list of possible errors you may face while creating an Order.

Error | Cause | Solution

The id provided does not exist | This error occurs when you enter an incorrect `customer_id.` | Make sure to enter a valid `customer_id`.

The api key provided is invalid | This error occurs when you enter the wrong API key or secret. | Make sure to enter a valid API key and secret.

The amount must be at least INR 1.00. | This error occurs when you enter an amount less than INR 1. | Make sure the entered amount is atleast INR 1.00.

The currency should be INR when method is upi | This error occurs when you enter a currency other than INR | Make sure the currency is INR.

The amount field is required. | This error occurs when you have not entered the amount or the `max_amount` value. | Make sure to enter the `max_amount` value.

The minimum transaction amount allowed is Re. 5. | This error occurs when you enter the maximum amount less than the minimum amount. | Make sure the `max_amount` value is more than the `min_amount` value.

The order amount cannot be greater than the token max amount for upi recurring. | This error occurs when the order amount exceeds the token_max amount passed in the API request payload. | Ensure the order amount is lesser than the token_max account.

1.1.3. Create an Authorisation Payment

Create a payment checkout form for customers to make Authorisation Transaction and register their mandate. You can use the Handler Function or Callback URL.

Handler Function | Callback URL

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. | 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.

Watch Out!The callback URL is not supported for recurring payments created using the registration link.

UPI Intent

UPI Intent is supported on mWeb (Android) and Mobile App (WebView). On Desktop Web, as UPI Intent is not supported, a QR code is automatically displayed instead. If UPI Intent is not enabled on your account, please reach out to the support team.

Platform | Steps

mWeb | Customers are redirected to their preferred UPI app to complete the payment. For the complete integration guide, refer to UPI Intent on Mobile Web.

Mobile App (WebView) | UPI Intent requires passing `webview_intent: true` in the checkout options and implementing deep link handling in your Android or iOS app. For the complete integration guide, refer to UPI Intent in WebView — Android and UPI Intent in WebView — iOS.

Desktop Web | UPI Intent is not supported. A QR code is automatically displayed for customers to scan with their preferred UPI app. No additional code changes are required.

UPI Collect

Deprecation NoticeUPI Collect is deprecated effective 28 February 2026. This section is applicable only for exempted businesses. If you are an existing Razorpay user not covered by the exemptions, refer to the migration documentation to switch to UPI Intent.

UPI Collect with handler functions

 Pay 
   
  
    var options = {
      "key": "[YOUR_KEY_ID]",
      "order_id": "order_1Aa00000000001",
      "customer_id": "cust_1Aa00000000001",
      "recurring": "1",
      "handler": function (response) {
        alert(response.razorpay_payment_id);
        alert(response.razorpay_order_id);
        alert(response.razorpay_signature);
      },
      "notes": {
        "note_key 1": "Beam me up Scotty",
        "note_key 2": "Tea. Earl Gray. Hot."
      },
      "theme": {
        "color": "#F37254"
      }
    };
    var rzp1 = new Razorpay(options);
    document.getElementById('rzp-button1').onclick = function (e) {
      rzp1.open();
      e.preventDefault();
    }
  
```html: UPI Collect with Callback URL
 Pay 
   
  
    var options = {
      "key": "[YOUR_KEY_ID]",
      "order_id": "order_1Aa00000000001",
      "customer_id": "cust_1Aa00000000001",
      "recurring": "1",
      "callback_url": "https://eneqd3r9zrjok.x.pipedream.net/",
      "notes": {
        "note_key 1": "Beam me up Scotty",
        "note_key 2": "Tea. Earl Gray. Hot."
      },
      "theme": {
        "color": "#F37254"
      }
    };
    var rzp1 = new Razorpay(options);
    document.getElementById('rzp-button1').onclick = function (e) {
      rzp1.open();
      e.preventDefault();
    }
  

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 : string Determines if the recurring payment is enabled or not. Possible values:

1: Recurring payment is enabled.
preferred: Use this if you want to allow recurring payments and one-time payment in the same flow.

Error Response Parameters

Given below is a list of possible errors you may face while making the authorisation payment. adequate_funds_not_available_blocked

Description: Sufficient unblocked funds not available in customer’s account. Please ask customer to add fund and try again.
Next Steps: Please ask customer to add sufficient unblocked funds and try again.

bad_request_error

Description: Invalid Mandate Sequence Number.
Next Steps: Retry after some time during the valid cycle.

bank_account_invalid

Description: Payment failed because Account linked to VPA is invalid.
Next Steps: Create a new mandate with the customer.

bank_account_validation_failed

Description: Payment was unsuccessful as the details are invalid. Please retry with the right details.
Next Steps: Ask the customer to retry again.

bank_not_available

Description: Payment was unsuccessful as the bank linked to this UPI ID is temporarily unavailable. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

bank_technical_error

Bank Temporarily Unavailable

Description: Payment was unsuccessful as the bank linked to this UPI ID is temporarily unavailable. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

Temporary Bank Issue

Description: Payment was unsuccessful due to a temporary issue at your bank. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

Bank Declined

Description: Payment was unsuccessful as it was declined by your bank. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

Bank or Wallet Gateway Error

Description: Payment processing failed due to error at bank or wallet gateway.
Next Steps: Retry after some time.

General Temporary Issue

Description: Payment was unsuccessful due to a temporary issue. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

Bank Services Halt

Description: Payment was unsuccessful due to a temporary halt of services at this bank.
Next Steps: Retry after some time.

credit_to_beneficiary_failed

Description: Payment was unsuccessful due to a temporary issue. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

debit_declined

Description: Payment was unsuccessful as it was declined by remitter bank.
Next Steps: Create a new mandate with the customer.

debit_instrument_blocked

Description: Payment was unsuccessful as the account linked to this UPI ID is blocked. Try using another account.
Next Steps: Create a new mandate with the customer.

duplicate_mandate_request

Description: Duplicate mandate request. Please try again with another mandate request.
Next Steps: Please try again with another mandate request.

gateway_technical_error

Bank or Wallet Gateway Error

Description: Payment processing failed due to error at bank or wallet gateway.
Next Steps: Retry after some time.

Temporary Issue with Money Deduction

Description: Payment was unsuccessful due to a temporary issue. If money got deducted, reach out to the seller.
Next Steps: Retry after some time.

incorrect_pin

Description: You have entered an incorrect PIN on the UPI app. Please retry with the correct PIN.
Next Steps: Ask the customer to retry with correct PIN.

insufficient_funds

Description: Transaction failed due to insufficient funds.
Next Steps: Ask the customer to add balance to their account and retry.

invalid_request

Description: Payment processing failed due to error at bank or wallet gateway.
Next Steps: Retry after some time.

invalid_response_from_gateway

Description: Payment was unsuccessful due to a temporary issue. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

invalid_transaction_beneficiary

Description: Beneficiary address resolution failed. Please try again after some time.
Next Steps: Please try again after some time.

invalid_vpa

Description: You have entered an incorrect UPI ID. Please retry with the correct UPI ID.
Next Steps: Ask the customer to retry with a valid VPA.

issuer_dispatch_failed

Description: Payment failed due to some issue at the issuer bank. Please try again after some time.
Next Steps: Please try again after some time.

limit_exceeded_remitting_bank

Description: Limit exceeded for remitter bank. Please ask customer to try with another bank account.
Next Steps: Please ask customer to try with another bank account.

mandate_debit_beyond_psp_amount_cap

Description: Debit amount is beyond payer PSP specified amount cap. Please reduce the amount and try again.
Next Steps: Please reduce the mandate amount to match customer PSP.

mandate_request_limit_breached

Description: Maximum number of mandate creation requests exceeded for customer’s bank account. Please wait for some time before initiating new mandate creation requests.
Next Steps: Please wait for some time before initiating new mandate creation requests.

mobile_number_invalid

Description: Registered Mobile number linked to the account has been changed or removed.
Next Steps: Create a new mandate with the customer.

nature_of_debit_not_allowed

Description: Nature of debit not allowed in customer’s account. Please ask the customer to use a different bank account.
Next Steps: Please ask the customer to use a different bank account.

no_financial_address_record_found

Description: No financial address record found for this VPA. Please ask customer to try with another bank account.
Next Steps: Please ask customer to try with other bank account.

no_original_request_found

Description: No mandate details were found in the record during debit. Please try after some time.
Next Steps: Please try after some time.

payment_collect_request_expired

Description: Payment was unsuccessful as you could not pay with the UPI app within time.
Next Steps: Retry after some time.

payment_declined

Bank Declined Payment

Description: Payment was unsuccessful as it was declined by your bank. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Ask the customer to retry with other account.

Customer Declined Payment

Description: You have declined the payment request on the UPI app. Please retry when you are ready.
Next Steps: Ask the customer to approve the payment.

payment_failed

Description: Payment was unsuccessful due to a temporary issue. If amount got deducted, it will be refunded within 5-7 working days.
Next Steps: Retry after 1 hour.

payment_pending

Description: The status of your payment is pending. You can either wait or retry to pay successfully.
Next Steps: Retry after some time.

payment_risk_check_failed

Description: Payment was unsuccessful as your account does not pass the risk checks done by your bank. Try using another account.
Next Steps: Retry after some time.

payment_timed_out

Description: Payment was unsuccessful as you could not complete it in time.
Next Steps: Retry after some time.

pre_debit_notification_failed

Description: Unable to Notify the Customer.
Next Steps: Retry after some time.

remitter_dispatch_failed

Description: Payment failed due to some issue at the customer’s. Please try again after some time.
Next Steps: Please try again after some time.

request_timed_out

General Timeout - Temporary Issue

Description: Payment was unsuccessful due to a temporary issue. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

Timeout - Bank Declined

Description: Payment was unsuccessful as it was declined by your bank. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

Timeout - Recurring Payment Creation

Description: Payment was unsuccessful as the recurring payment can not be created at this time. Any amount deducted will be refunded within 5-7 working days.
Next Steps: Retry after some time.

transaction_frequency_limit_exceeded

Description: Payment failed. Please try again with another bank account.
Next Steps: Create a new mandate with the customer.

transaction_limit_exceeded

Amount Limit Exceeded

Description: Payment failed because Transaction amount limit has exceeded.
Next Steps: Reach out to the customer to collect the amount.

Bank Account Amount Limit

Description: Payment was unsuccessful as you exceeded the amount limit on the bank account linked to this UPI id.
Next Steps: Ask the customer to retry after some time.

transaction_not_allowed

Description: Payment was unsuccessful as it was declined by your bank. Reach out to your bank for more details. Try using another account.
Next Steps: Create a new mandate with the customer.

upi_dummy_payment

Description: Payment was a dummy payment for one time mandate registration.
Next Steps: NA

1.2 Using a Registration Link

Registration Link is an alternate way of creating an authorisation transaction. You can create a registration link using the API or Dashboard.

Handy Tips

You do not have to create a customer if you choose the registration link method for creating an authorisation transaction.

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 should always have an order amount (in paise) the customer is charged when making the authorisation payment. For UPI, the amount must be a minimum of ₹1.

Handy Tips

You can use Webhooks to get notifications about successful payments against a registration link.

1.2.1 Create a Registration Link

The following endpoint creates a registration link. /subscription_registration/auth_links

Sample Code

Curl

curl -u :
-X POST https://api.razorpay.com/v1/subscription_registration/auth_links
-H "Content-Type: application/json" \
-d '{
  "customer": {
    "name": "Gaurav Kumar",
    "email": "gaurav.kumar@example.com",
    "contact": "9123456780"
  },
  "type": "link",
  "amount": "100",
  "currency": "INR",
  "description": "Registration Link for Gaurav Kumar",
  "subscription_registration": {
      "method": "upi",
      "max_amount": "500",
      "expire_at": 4102444799,
      "frequency": "monthly",
      "recurring_value": 25,
      "recurring_type": "on"
  },
  "receipt": "Receipt No. 23",
  "email_notify": true,
  "sms_notify": true,
  "expire_by": 4102444799,
  "notes":{
    "note_key 1":"Beam me up Scotty",
    "note_key 2":"Tea. Earl Gray. Hot."
  }
}'

```java: Java
RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject registrationLinkRequest = new JSONObject();
JSONObject customer = new JSONObject();
customer.put("name","Gaurav Kumar");
customer.put("email","gaurav.kumar@example.com");
customer.put("contact","9123456780");
registrationLinkRequest.put("customer", customer);
registrationLinkRequest.put("type", "link");
registrationLinkRequest.put("amount", 100);
registrationLinkRequest.put("currency", "INR");
registrationLinkRequest.put("description", "Registration Link for Gaurav Kumar");
JSONObject subscriptionRegistration = new JSONObject();
subscriptionRegistration.put("method","upi");
subscriptionRegistration.put("max_amount",50000);
subscriptionRegistration.put("expire_at",1609423824);
subscriptionRegistration.put("frequency","monthly");
subscriptionRegistration.put("recurring_value","25");
subscriptionRegistration.put("recurring_type","on");
registrationLinkRequest.put("subscription_registration", subscriptionRegistration);
registrationLinkRequest.put("receipt", "Receipt No. #112");
registrationLinkRequest.put("email_notify", true);
registrationLinkRequest.put("sms_notify", true);
registrationLinkRequest.put("expire_by", 1580479824);
JSONObject notes = new JSONObject();
notes.put("notes_key_1","Tea, Earl Grey, Hot");
notes.put("notes_key_2","Tea, Earl Grey… decaf.");
registrationLinkRequest.put("notes", notes);

Invoice invoice = razorpay.invoices.createRegistrationLink(registrationLinkRequest);

```php: PHP
$api = new Api($key_id, $secret);

$api->subscription->createSubscriptionRegistration(array('customer'=>array('name'=>'Gaurav Kumar','email'=>'gaurav.kumar@example.com','contact'=>'9123456780'),'type'=>'link','amount'=>100,'currency'=>'INR','description'=>'Registration Link for Gaurav Kumar','subscription_registration'=>array('method'=>'upi','max_amount'=>'500','expire_at'=>'1634215992','frequency'=>'monthly','recurring_value'=>'25','recurring_type'=>'on'),'receipt'=>'Receipt No. 5','email_notify'=>true,'sms_notify'=>true,'expire_by'=>1634215992,'notes' => array('note_key 1' => 'Beam me up Scotty','note_key 2' => 'Tea. Earl Gray. Hot.')));

```javascript: Node.js
var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.subscriptions.createRegistrationLink({
  customer: {
    name: "Gaurav Kumar",
    email: "gaurav.kumar@example.com",
    contact: 9123456780
  },
  type: "link",
  amount: 100,
  currency: "INR",
  description: "Registration Link for Gaurav Kumar",
  subscription_registration: {
    method: "upi",
    max_amount: 500,
    expire_at: 1634215992,
    frequency: "monthly",
    recurring_value: 25,
    recurring_type: "on"
  },
  receipt: "Receipt No. 5",
  email_notify: true,
  sms_notify: true,
  expire_by: 1634215992,
  notes: {
    "note_key 1": "Beam me up Scotty",
    "note_key 2": "Tea. Earl Gray. Hot."
  }
})

```ruby: Ruby
require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
  "customer": {
    "name": "Gaurav Kumar",
    "email": "gaurav.kumar@example.com",
    "contact": 9123456780
  },
  "type": "link",
  "amount": 100,
  "currency": "INR",
  "description": "Registration Link for Gaurav Kumar",
  "subscription_registration": {
    "method": "upi",
    "max_amount": 500,
    "expire_at": 1634215992,
    "recurring_value": 25,
    "recurring_type": "on"
  },
  "receipt": "Receipt No. 5",
  "email_notify": 1,
  "sms_notify": 1,
  "expire_by": 1634215992,
  "notes": {
    "note_key 1": "Beam me up Scotty",
    "note_key 2": "Tea. Earl Gray. Hot."
  }
}
Razorpay::SubscriptionRegistration.create(para_attr)

```python: Python
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.registration_link.create({
  "customer":{
      "name":"Gaurav Kumar",
      "email":"gaurav.kumar@example.com",
      "contact":9123456780
  },
  "type":"link",
  "amount":100,
  "currency":"INR",
  "description":"12 p.m. Meals",
  "subscription_registration":{
      "method":"upi",
      "expire_at":1580480689,
      "max_amount":500,
      "recurring_value": 25,
      "recurring_type": "on"
  },
  "receipt":"Receipt no. 1",
  "expire_by":1880480689,
  "sms_notify": True,
  "email_notify": True,
  "notes":{
      "note_key 1":"Beam me up Scotty",
      "note_key 2":"Tea. Earl Gray. Hot."
  }
})

```go: Go
import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data:= map[string]interface{}{
  "customer":map[string]interface{}{
    "name":"Gaurav Kumar",
    "email":"gaurav.kumar@example.com",
    "contact":"9123456780",
  },
  "type":"link",
  "amount":"100",
  "currency":"INR",
  "description":"Registration Link for Gaurav Kumar",
  "subscription_registration":map[string]interface{}{
    "method":"upi",
    "max_amount":"500",
    "expire_at":1609423824,
    "frequency": "monthly",
    "recurring_value": 25,
    "recurring_type": "on"
  },
  "receipt":"Receipt No. 1",
  "email_notify":true,
  "sms_notify":true,
  "expire_by":1681987284,
  "notes":map[string]interface{}{
    "note_key 1":"Beam me up Scotty",
    "note_key 2":"Tea. Earl Gray. Hot.",
  },
}
body, err := client.Invoice.CreateRegistrationLink(data, nil)

```json: Response
{
  "id": "inv_FHr1ekX0r2VCVK",
  "entity": "invoice",
  "receipt": "Receipt No. 23",
  "invoice_number": "Receipt No. 23",
  "customer_id": "cust_BMB3EwbqnqZ2EI",
  "customer_details": {
    "id": "cust_BMB3EwbqnqZ2EI",
    "name": "Gaurav Kumar",
    "email": "gaurav.kumar@example.com",
    "contact": "9123456780",
    "gstin": null,
    "billing_address": null,
    "shipping_address": null,
    "customer_name": "Gaurav Kumar",
    "customer_email": "gaurav.kumar@example.com",
    "customer_contact": "9123456780"
  },
  "order_id": "order_FHr1ehR3nmNeXo",
  "line_items": [],
  "payment_id": null,
  "status": "issued",
  "expire_by": 4102444799,
  "issued_at": 1595489219,
  "paid_at": null,
  "cancelled_at": null,
  "expired_at": null,
  "sms_status": "pending",
  "email_status": "pending",
  "date": 1595489219,
  "terms": null,
  "partial_payment": false,
  "gross_amount": 100,
  "tax_amount": 0,
  "taxable_amount": 0,
  "amount": 100,
  "amount_paid": 0,
  "amount_due": 100,
  "currency": "INR",
  "currency_symbol": "₹",
  "description": "Registration Link for Gaurav Kumar",
  "notes": {
    "note_key 1": "Beam me up Scotty",
    "note_key 2": "Tea. Earl Gray. Hot."
  },
  "comment": null,
  "short_url": "https://rzp.io/i/ak1WxDB",
  "view_less": true,
  "billing_start": null,
  "billing_end": null,
  "type": "link",
  "group_taxes_discounts": false,
  "created_at": 1595489219,
  "idempotency_key": null
}

Request Parameters

customer : object Details of the customer to whom the registration link is sent. name mandatory : string Customer’s name. email mandatory : string Customer’s email address. contactmandatory : integer Customer’s contact number. type mandatory : string In this case, the value is link. amount mandatory : integer The payment amount in the smallest currency sub-unit. currency mandatory : string The 3-letter ISO currency code for the payment. description mandatory : string A description that appears on the hosted page. subscription_registration : Details of the authorisation transaction. method mandatory : string The payment method used to make authorisation transaction. Here, it is card. max_amount mandatory : integer Use to set the maximum amount (in paise) per debit request.

MCC | Category | Min Value | Max Value

6211 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

6300 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

7322 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

6529 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

5960 | Services | 100 (₹1) | 20000000 (₹2,00,000) For other categories and MCCs, the minimum value is 100 (₹1) and maximum value is 9999900 (₹99,999). expire_at optional : integer The Unix timestamp till when you can use the token to charge the customer subsequent payments. The default value is 10 years and the maximum value allowed is 30 years. frequency mandatory : string The frequency at which you can charge your customer. Possible values:

daily
weekly
fortnightly
bimonthly
monthly
quarterly
half_yearly
yearly
as_presented

recurring_value optional : integer Determines the exact date or range of dates for recurring debits. Possible values are:

1-7 for weekly frequency
1-31 for fortnightly frequency
1-31 for bimonthly frequency
1-31 for monthly frequency
1-31 for quarterly frequency
1-31 for half_yearly frequency
1-31 for yearly frequency and is not applicable for the as_presented frequency.

on: recurring debit happens on the exact day of every month.
before: recurring debit can happens any time before the specified date.
after: recurring debit can happens any time after the specified date.

For example, if the frequency is monthly, recurring_value is 17 and recurring_type is before, recurring debit can happen between the month’s 1st and 17th. Similarly, if recurring_type is after, recurring debit can only happen on or after the 17th of the month.sms_notify optional : boolean Indicates if SMS notifications are to be sent by Razorpay. Possible 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. Possible values:

true (default): Notifications are sent by Razorpay .
false: Notifications are not sent by Razorpay.

expire_by optional : integer The Unix timestamp indicates the expiry of the registration link.receipt optional : string A unique identifier entered by you for the order. For example, Receipt No. 1. You should map this parameter to the order_id sent by Razorpay.notes optional : object This is a key-value pair that is 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”.

Response Parameters

id : string The unique identifier of the invoice. entity : string The entity that has been created. Here, it is invoice. receipt : string A user-entered unique identifier of the invoice. invoice_number : string Unique number you added for internal reference. customer_id : string The unique identifier of the customer. For example, cust_BMB3EwbqnqZ2EI. customer_details : object Details of the customer. id : string The unique identifier associated with the customer to whom the invoice has been issued. name : string The customer’s name. email : string The customer’s email address. contact : integer The customer’s phone number. billing_address : string Details of the customer’s billing address. shipping_address : string Details of the customer’s shipping address. order_id : string The unique identifier of the order associated with the invoice. line_items : string Details of the line item that is billed in the invoice. Maximum of 50 line items are allowed. payment_id : string Unique identifier of a payment made against the invoice. status : string The status of the invoice. Possible values:

draft
issued
partially_paid
paid
cancelled
expired
deleted

expire_by : integer The Unix timestamp at which the invoice will expire. issued_at : integer The Unix timestamp at which the invoice was issued to the customer. paid_at : integer The Unix timestamp at which the payment was made. cancelled_at : integer The Unix timestamp at which the invoice was cancelled. expired_at : integer The Unix timestamp at which the invoice expired. sms_status : string The delivery status of the SMS notification for the invoice sent to the customer. Possible values:

pending
sent

email_status : string The delivery status of the email notification for the invoice sent to the customer. Possible values:

pending
sent

date : integer Timestamp, in Unix format, that indicates the issue date of the invoice. terms : string Any terms to be included in the invoice. Maximum of 2048 characters. partial_payment : boolean Indicates whether the customer can make a partial payment on the invoice. Possible values:

true: The customer can make partial payments.
false (default): The customer cannot make partial payments.

amount : integer Amount to be paid using the invoice. Must be in the smallest unit of the currency. For example, if the amount to be received from the customer is 299.95, pass the value as 29995. amount_paid : integer Amount paid by the customer against the invoice. amount_due : integer The remaining amount to be paid by the customer for the issued invoice. currency : string The currency associated with the invoice. description : string A brief description of the invoice. notes : object Any custom notes added to the invoice. Maximum of 2048 characters. short_url : string The short URL that is generated. This is the link that can be shared with the customer to receive payments. type : string Here, it is invoice. comment : string Any comments to be added in the invoice. Maximum of 2048 characters.

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

 curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
 -X POST https://api.razorpay.com/v1/invoices/inv_1Aa00000000001/notify_by/sms

 ```java: Java
 RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

 String invoiceId = "inv_1Aa00000000001";

 String medium = "sms";

 Invoice invoice = razorpay.invoices.notifyBy(invoiceId, medium);

 ```php: PHP
 $api = new Api($key_id, $secret);

 $api->invoice->fetch($invoiceId)->notify($medium);

 ```javascript: Node.js
 var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

 instance.invoices.notifyBy(invoiceId, medium)

 ```python: Python
 client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

 client.invoice.notify_by(invoiceId, medium)

 ```ruby: Ruby
 require "razorpay"
 Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

 invoiceId = "inv_JDdNb4xdf4gxQ7"

 medium = "email" 

 Razorpay::Invoice.notify_by(invoiceId, medium)

 ```go: Go
 import ( razorpay "github.com/razorpay/razorpay-go" )
 client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

 body, err := client.Invoice.Notify("", "", nil, nil)

 ```csharp: .NET
 RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

 string invoiceId = "inv_Z6t7VFTb9xHeOs";

 string medium = "sms";

 Invoice invoice = client.Invoice.Fetch(invoiceId).NotifyBy(medium);

Response

{
  "success": true
}

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

Response Parameters

success : boolean Indicates whether the notifications were sent successfully. Possible values:

true: The notifications were successfully sent via SMS, email or both.
false: The notifications were not sent.

1.2.3 Cancel a Registration Link

The following endpoint cancels a registration link. /invoices/:id/cancel

Handy Tips

You can only cancel registration link in the issued state.

Sample Code

Curl

 curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
 -X POST https://api.razorpay.com/v1/invoices/inv_1Aa00000000001/cancel

 ```java: Java
 RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

 String invoiceId = "inv_1Aa00000000001";

 Invoice invoice = razorpay.invoices.cancel(invoiceId);

 ```php:PHP
 $api = new Api($key_id, $secret);

 $api->invoice->fetch($invoiceId)->cancel();
 ```javascript: Node.js
 var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

 instance.invoices.cancel(invoiceId)

 ```python: Python
 client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

 client.invoice.cancel(invoiceId)

 ```ruby: Ruby
 require "razorpay"
 Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

 invoiceId = "inv_1Aa00000000001"

 Razorpay::Invoice.cancel(invoiceId)

 ```go: Go
 import ( razorpay "github.com/razorpay/razorpay-go" )
 client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

 body, err := client.Invoice.Cancel("", nil, nil)

 ```csharp: .NET
 RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

 string invoiceId = "inv_Z6t7VFTb9xHeOs";

 Invoice invoice = client.Invoice.Fetch(invoiceId).Cancel();

Response

{
  "id": "inv_FHrfRupD2ouKIt",
  "entity": "invoice",
  "receipt": "Receipt No. 1",
  "invoice_number": "Receipt No. 1",
  "customer_id": "cust_BMB3EwbqnqZ2EI",
  "customer_details": {
      "id": "cust_BMB3EwbqnqZ2EI",
      "name": "Gaurav Kumar",
      "email": "gaurav.kumar@example.com",
      "contact": "+919876543210",
      "gstin": null,
      "billing_address": null,
      "shipping_address": null,
      "customer_name": "Gaurav Kumar",
      "customer_email": "gaurav.kumar@example.com",
      "customer_contact": "+919876543210"
  },
  "order_id": "order_FHrfRw4TZU5Q2L",
  "line_items": [],
  "payment_id": null,
  "status": "cancelled",
  "expire_by": 4102444799,
  "issued_at": 1595491479,
  "paid_at": null,
  "cancelled_at": 1595491488,
  "expired_at": null,
  "sms_status": "sent",
  "email_status": "sent",
  "date": 1595491479,
  "terms": null,
  "partial_payment": false,
  "gross_amount": 100,
  "tax_amount": 0,
  "taxable_amount": 0,
  "amount": 100,
  "amount_paid": 0,
  "amount_due": 100,
  "currency": "INR",
  "currency_symbol": "₹",
  "description": "Registration Link for Gaurav Kumar",
  "notes": {
      "note_key 1": "Beam me up Scotty",
      "note_key 2": "Tea. Earl Gray. Hot."
  },
  "comment": null,
  "short_url": "https://rzp.io/i/QlfexTj",
  "view_less": true,
  "billing_start": null,
  "billing_end": null,
  "type": "link",
  "group_taxes_discounts": false,
  "created_at": 1595491480,
  "idempotency_key": null
}

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.

Response Parameters

draft
issued
partially_paid
paid
cancelled
expired
deleted

pending
sent

email_status : string The delivery status of the email notification for the invoice sent to the customer. Possible values:

pending
sent

true: The customer can make partial payments.
false (default): The customer cannot make partial payments.

​1.1 Using Razorpay APIs

​1.1.1 Create a Customer

​Sample Code

​Request Parameters

​Response Parameters

​1.1.2 Create an Order

​Sample Code

​Request Parameters

​MCC | Category | Min Value | Max Value

​6211 | Financial Services | 100 (₹1) | 20000000 (₹2,00,000)

​6300 | Financial Services | 100 (₹1) | 20000000 (₹2,00,000)

​7322 | Financial Services | 100 (₹1) | 20000000 (₹2,00,000)

​6529 | Financial Services | 100 (₹1) | 20000000 (₹2,00,000)

​Response Parameters

​Error Response Parameters

​Error | Cause | Solution

​The id provided does not exist | This error occurs when you enter an incorrect customer_id. | Make sure to enter a valid customer_id.

​The api key provided is invalid | This error occurs when you enter the wrong API key or secret. | Make sure to enter a valid API key and secret.

​The amount must be at least INR 1.00. | This error occurs when you enter an amount less than INR 1. | Make sure the entered amount is atleast INR 1.00.

​The currency should be INR when method is upi | This error occurs when you enter a currency other than INR | Make sure the currency is INR.

​The amount field is required. | This error occurs when you have not entered the amount or the max_amount value. | Make sure to enter the max_amount value.

​The minimum transaction amount allowed is Re. 5. | This error occurs when you enter the maximum amount less than the minimum amount. | Make sure the max_amount value is more than the min_amount value.

​1.1.3. Create an Authorisation Payment

​Handler Function | Callback URL

​UPI Intent

​Platform | Steps

​mWeb | Customers are redirected to their preferred UPI app to complete the payment. For the complete integration guide, refer to UPI Intent on Mobile Web.

​Mobile App (WebView) | UPI Intent requires passing webview_intent: true in the checkout options and implementing deep link handling in your Android or iOS app. For the complete integration guide, refer to UPI Intent in WebView — Android and UPI Intent in WebView — iOS.

​UPI Collect

​Additional Checkout Fields

​Error Response Parameters

​bad_request_error

​bank_account_invalid

​bank_account_validation_failed

​bank_not_available

​bank_technical_error

​Temporary Bank Issue

​Bank Declined

​Bank or Wallet Gateway Error

​General Temporary Issue

​Bank Services Halt

​credit_to_beneficiary_failed

​debit_declined

​debit_instrument_blocked

​duplicate_mandate_request

​gateway_technical_error

​Temporary Issue with Money Deduction

​incorrect_pin

​insufficient_funds

​invalid_request

​invalid_response_from_gateway

​invalid_transaction_beneficiary

​invalid_vpa

​issuer_dispatch_failed

​limit_exceeded_remitting_bank

​mandate_debit_beyond_psp_amount_cap

​mandate_request_limit_breached

​mobile_number_invalid

​nature_of_debit_not_allowed

​no_financial_address_record_found

​no_original_request_found

​payment_collect_request_expired

​payment_declined

​Customer Declined Payment

​payment_failed

​payment_pending

​payment_risk_check_failed

​payment_timed_out

​pre_debit_notification_failed

​remitter_dispatch_failed

​request_timed_out

​Timeout - Bank Declined

​Timeout - Recurring Payment Creation

​transaction_frequency_limit_exceeded

​transaction_limit_exceeded

​Bank Account Amount Limit

​transaction_not_allowed

​upi_dummy_payment

​1.2 Using a Registration Link

​1.2.1 Create a Registration Link

1.1 Using Razorpay APIs

1.1.1 Create a Customer

Sample Code

Request Parameters

Response Parameters

1.1.2 Create an Order

Sample Code

Request Parameters

MCC | Category | Min Value | Max Value

6211 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

6300 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

7322 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

6529 | Financial Services | `100` (₹1) | `20000000` (₹2,00,000)

Response Parameters

Error Response Parameters

Error | Cause | Solution

The id provided does not exist | This error occurs when you enter an incorrect `customer_id.` | Make sure to enter a valid `customer_id`.

The api key provided is invalid | This error occurs when you enter the wrong API key or secret. | Make sure to enter a valid API key and secret.

The amount must be at least INR 1.00. | This error occurs when you enter an amount less than INR 1. | Make sure the entered amount is atleast INR 1.00.

The currency should be INR when method is upi | This error occurs when you enter a currency other than INR | Make sure the currency is INR.

The amount field is required. | This error occurs when you have not entered the amount or the `max_amount` value. | Make sure to enter the `max_amount` value.

The minimum transaction amount allowed is Re. 5. | This error occurs when you enter the maximum amount less than the minimum amount. | Make sure the `max_amount` value is more than the `min_amount` value.

1.1.3. Create an Authorisation Payment

Handler Function | Callback URL

UPI Intent

Platform | Steps

mWeb | Customers are redirected to their preferred UPI app to complete the payment. For the complete integration guide, refer to UPI Intent on Mobile Web.

Mobile App (WebView) | UPI Intent requires passing `webview_intent: true` in the checkout options and implementing deep link handling in your Android or iOS app. For the complete integration guide, refer to UPI Intent in WebView — Android and UPI Intent in WebView — iOS.

UPI Collect

Additional Checkout Fields

Error Response Parameters

bad_request_error

bank_account_invalid

bank_account_validation_failed

bank_not_available

bank_technical_error

Temporary Bank Issue

Bank Declined

Bank or Wallet Gateway Error

General Temporary Issue

Bank Services Halt

credit_to_beneficiary_failed

debit_declined

debit_instrument_blocked

duplicate_mandate_request

gateway_technical_error

Temporary Issue with Money Deduction

incorrect_pin

insufficient_funds

invalid_request

invalid_response_from_gateway

invalid_transaction_beneficiary

invalid_vpa

issuer_dispatch_failed

limit_exceeded_remitting_bank

mandate_debit_beyond_psp_amount_cap

mandate_request_limit_breached

mobile_number_invalid

nature_of_debit_not_allowed

no_financial_address_record_found

no_original_request_found

payment_collect_request_expired

payment_declined

Customer Declined Payment

payment_failed

payment_pending

payment_risk_check_failed

payment_timed_out

pre_debit_notification_failed

remitter_dispatch_failed

request_timed_out

Timeout - Bank Declined

Timeout - Recurring Payment Creation

transaction_frequency_limit_exceeded

transaction_limit_exceeded

Bank Account Amount Limit

transaction_not_allowed

upi_dummy_payment

1.2 Using a Registration Link

1.2.1 Create a Registration Link