> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Recurring Payments APIs for Paper NACH

> You can use the Recurring Payments APIs to perform various actions using Paper NACH as a payment method.

## API-wise Integration Checklist for Paper NACH

### Paper NACH Registration using Standard Checkout

* Enable webhooks to check the status of the [token](/api/payments/recurring-payments/webhooks#check-token-status-using-webhooks) and [payments](/api/payments/recurring-payments/webhooks#check-payment-status-using-webhooks).
* We recommend that you create a single customer id rather than multiple customer ids for the same customer. If their details change, you can use the [Edit Customer Details](/api/customers#edit-customer-details) API. Duplicate validation is done based on email id and phone number.
* Use the `fail_existing : "1"` parameter while [creating a customer](/api/payments/recurring-payments/paper-nach/create-authorization-transaction#111-create-a-customer). This helps reduce the number of customer id being created multiple times and will help in your reconciliation process.
* Use the [Payments Downtime](/api/payments/downtime) API to check for any ongoing downtimes that might affect the NACH registration.
* Ensure to pass the below parameters while creating an order:
  1. `currency` as `INR`.
  2. `amount` as `0`.
  3. `description` of the link.
  4. `method` as `nach`.
  5. Token details such as:
     * `auth_type` as `physical`
     * Bank account details such as `account_number`, `ifsc_code` and `beneficiary_name`.
     * Any additional information to be printed on the NACH form that your customer will sign.
* For the custom checkout flow to upload the NACH form, you can use the [Upload the NACH File via Checkout](/api/payments/downtime) custom API.
* To create an authorisation payment, download the Paper NACH form and send it to customers.
  * The image should be in jpeg, jpg and png formats.
  * The maximum file size is 6 MB.
  * You can either ask customers to fill the form and upload it using the [Upload via Checkout](/api/payments/recurring-payments/paper-nach/create-authorization-transaction#1131-upload-the-nach-file-via-checkout) API or upload the received form using the [create NACH File](/api/payments/recurring-payments/paper-nach/create-authorization-transaction#1132-upload-the-nach-file-via-api) API.
  * Ensure you pass the mandatory parameters, such as `"recurring": "1"`.
* After the authorisation payment is made, we request you to verify the payment signature at your backend.
* To check the status of the token id use the [Fetch Token](/api/payments/recurring-payments/emandate/tokens) API.
* You can use the [Fetch a Payment](/api/payments/fetch-with-id) API to know the status of the payment.

### Paper NACH Registration using a Registration Link

* Enable webhooks to check the status of the [token](/api/payments/recurring-payments/webhooks#check-token-status-using-webhooks) and [payments](/api/payments/recurring-payments/webhooks#check-payment-status-using-webhooks) and the [registration link](/api/payments/recurring-payments/webhooks#check-registration-link-status-using-webhooks) using APIs.
* Ensure to pass the below parameters while creating a registration link using the API:
  1. Customer details such as `name`, `email` and `contact`.
  2. `sms_notify` and `email_notify` as `true` to send notifications to customers.
  3. `amount` as `0` and `type` as `link`.
  4. `description` of the link.
* To check the status of the token id use the [Fetch Token](/api/payments/recurring-payments/emandate/tokens) API.
* The following table indicates the time required to update the token status from the `initiated` state to the `confirmed` state for the physical mandates.

## Method | Bank | TAT Guidelines

Paper NACH | All Banks | Up to ₹ 5,00,000, T+5 working days.
More than ₹ 5,00,000, T+10 working days.

### Create Subsequent Payments

* Ensure the amount does not exceed the max amount set while [creating an order](/api/payments/recurring-payments/paper-nach/create-authorization-transaction#112-create-an-order).
* Ensure the `token_id` passed is for the linked `customer_id` while creating a recurring payment.
* Use [webhook](/payments/recurring-payments/subscribe-to-webhooks) to get real-time updates of payment.

## List of Recurring Payments APIs

The table below lists the various Recurring Payments APIs available for Paper NACH and gives a brief description of each API:

## API | Description

## [Create Authorisation Transaction using Checkout](/api/payments/recurring-payments/paper-nach/create-authorization-transaction#11-using-razorpay-standard-checkout) | API to create an authorisation transaction using Razorpay Checkout.

## [Create Authorisation Transaction using Registration Link](/api/payments/recurring-payments/paper-nach/create-authorization-transaction#12-using-a-registration-link) | API to create an authorisation transaction using Registration Link.

## [Fetch Tokens using Order id](/api/payments/recurring-payments/paper-nach/tokens#21-fetch-payment-id-using-order-id) | API to fetch tokens using the Order id.

## [Fetch Tokens using Payment id](/api/payments/recurring-payments/paper-nach/tokens#22-fetch-token-by-payment-id) | API to fetch tokens using the Payment id.

## [Fetch Tokens using Customer id](/api/payments/recurring-payments/paper-nach/tokens#23-fetch-tokens-by-customer-id) | API to fetch tokens using the Customer id.

## [Delete Tokens](/api/payments/recurring-payments/paper-nach/tokens#24-delete-tokens) | API to delete tokens.

[Create Subsequent Payments](/api/payments/recurring-payments/paper-nach/create-subsequent-payments) | API to create subsequent payments.

### Registration and Charge First Payment Together

## API | Description

## [Create Authorisation Transaction](/api/payments/recurring-payments/paper-nach/auto-debit#1-create-an-authorization-transaction) | API to create an authorisation transaction.

## [Fetch Tokens using Payment id](/api/payments/recurring-payments/paper-nach/auto-debit#21-fetch-token-by-payment-id) | API to fetch tokens using the Payment id.

## [Fetch Tokens using Customer id](/api/payments/recurring-payments/paper-nach/auto-debit#22-fetch-tokens-by-customer-id) | API to fetch tokens using the Customer id.

## [Delete Tokens](/api/payments/recurring-payments/paper-nach/auto-debit#23-delete-tokens) | API to delete tokens.

[Create Subsequent Payments](/api/payments/recurring-payments/paper-nach/auto-debit#3-create-subsequent-payments) | API to create subsequent payments.

### Related Information

* [Integrate Recurring Payments Using Paper NACH](/payments/recurring-payments/paper-nach/integrate)
