1. Create the Authorisation Transaction

Create an authorisation transaction with NACH as a payment method.


The flow to complete an authorisation transaction using paper NACH differs from the other payment method's flow.

  1. Create a customer.
  2. Create an order by passing the customer_id and the method as nach. Razorpay generates a NACH form with the customer information pre-filled and ready to sign.
  3. The customer can get the form in one of the following ways to sign it:
    • You can download the form from the Dashboard and send it to the customer.
    • A customer can download the form from the Hosted page (in the case of registration links).
  4. The signed form can be uploaded in one of the following ways:
    • Using the Standard Checkout page.
    • 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 after the token status changes to confirmed.

You can create an authorisation transaction:

To create an authorisation transaction using the Razorpay Standard Checkout, you need to:

  1. .
  2. .
  3. .

Razorpay links recurring tokens to customers via a unique identifier. You can generate this identifier using the Customer API.

You can create

with basic information such as email and contact and use them for various Razorpay offerings. The following endpoint creates a customer.

POST
/customers

name

mandatory

string The name of the customer. For example, Gaurav Kumar.

email

mandatory

string The email ID of the customer. For example, gaurav.kumar@example.com.

contact

mandatory

string The phone number of the customer. For example, 9876543210.

fail_existing

optional

boolean 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:

  • 0: Retrieve details of the existing customer.
  • 1 (default): Throws an exception error.

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”.

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 ID 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.

You can use the

to create a unique Razorpay order_id that is associated with the authorisation transaction. The following endpoint creates an order.

POST
/orders

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 authorisation 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, rcptid #1. This parameter should be mapped to the order_id sent by Razorpay.

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”.

token

Details related to the authorisation such as max amount, bank account information and NACH information.

auth_type

mandatory

string In this case, it will be physical.

bank_account

Customer's bank account details that will be printed on the NACH form.

account_number

mandatory

string Customer's bank account number. For example 11214311215411.

ifsc_code

mandatory

string Customer's bank IFSC. For example UTIB0000001.

beneficiary_name

mandatory

string Customer's name. For example, Gaurav Kumar.

account_type

optional

string Customer's bank account type. Possible values:

  • savings (default)
  • current
  • cc (Cash Credit)
  • nre (SB-NRE)
  • nro (SB-NRO)

max_amount

optional

integer Use to set the maximum amount per debit request. The value can range from 500 - 1000000000 (1cr, default value).

expire_at

optional

integer Timestamp, in Unix, that specifies when the registration link should expire. The value can range from the current date to 01-19-2038 (2147483647).

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.

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”.

id

string A unique identifier of the order created. For example order_1Aa00000000001.

entity

string The entity that is created. Here it is order.

amount

integer Amount in currency subunits. For NACH, the amount should be 0.

amount_paid

integer The amount that has been paid.

amount_due

integer The amount that is yet to pay.

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 #10. You should map this parameter to the order_id sent by Razorpay.

status

string The status of the order. Here, it is created.

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.

token

Details related to the authorisation such as max amount and bank account information.

method

string Payment method used to make the authorisation payment. Here, it is nach.

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”.

max_amount

integer The maximum amount in paise a customer can be charged in a transaction. The value can range from 500 to 100000000.

expire_at

integer The Unix timestamp to indicate the date till which you can use the token (authorisation on the payment method) to charge the customer subsequent payments.

auth_type

string NACH type used to make the authorisation payment. Here, it is physical.

nach

Additional information to be printed on the NACH form that your customer will sign.

create_form

boolean Indicates whether the form is created or not. Possible values:

  • true: The NACH form is created.
  • false: The NACH form is not created.

form_reference1

string A user-entered reference that appears on the NACH form.

form_reference2

string A user-entered reference that appears on the NACH form.

prefilled_form

string The link from where you can download the pre-filled NACH form.

upload_form_url

string The link where the NACH form should be uploaded once it is signed by the customer.

description

string A user-entered description that appears on the hosted page. For example, Paper NACH Gaurav Kumar.

bank_account

Customer's bank account details that should be pre-filled on the checkout.

ifsc_code

string Customer's bank IFSC. For example, HDFC0000001.

bank_name

string The bank name. For example, HDFC Bank.

name

string Name of the beneficiary. For example, Gaurav Kumar.

account_number

string Customer's bank account number.

account_type

string Customer's bank account type. Possible values:

  • savings (default value)
  • current
  • cc (Cash Credit)
  • nre (SB-NRE)
  • nro (SB-NRO)

beneficiary_email

string Email address of the beneficiary. For example, gaurav.kumar@example.com.

beneficiary_mobile

integer Mobile number of the beneficiary.

Download and Upload the Pre-filled NACH Form

Once the order is created, the 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.

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. Refer to the

for more information.

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

ErrorCauseSolution
The id provided does not existThis error occurs when you enter an incorrect customer_id .Make sure to enter a valid customer_id .
The api key provided is invalidThis error occurs when you enter the wrong API key or secret.Make sure to enter a valid API key and secret.
The amount should be 0.This error occurs when you enter an amount greater than INR 0.Make sure to enter the amount is INR 0.
Invalid IFSC CodeThis error occurs when you enter an incorrect IFSC code.Make sure to enter a correct IFSC code.
The currency should be INR when method is nachThis error occurs when you enter a currency other than INRMake 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.
invaild_account_numberThis error occurs when you have not entered the account_number .Make sure to enter a valid account_number .
selected_frequency_invalidThis error occurs when you enter an incorrect frequency parameter value.Make sure to enter a correct frequency parameter value.

You should create an authorisation payment after you create an order.

To create an authorisation payment:

  1. Download the Paper NACH form and send it to the customer.
  2. Ask the customers to fill the form and either or send it to you to upload the form using the .

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

Handler FunctionCallback 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.

You should send the following additional parameters along with the existing checkout options as a part of the authorisation transaction.

customer_id

mandatory

string Unique identifier of the customer created in the

.

order_id

mandatory

string Unique identifier of the order created in the

.

recurring

mandatory

boolean Determines whether the recurring is enabled or not. Possible values:

  • 1: Recurring is enabled.
  • 0: Recurring is not enabled.

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

ErrorCauseSolution
transaction_limit_exceededThe customers have exceeded their account's credit or debit limit. This error usually occurs during high-value transactions.You have reached the maximum transaction limit for this account. You can try again with a lower amount or use a different bank account.
payment_invalid_accountThis error occurs when the customer's bank account is either closed or no longer valid. The customer or bank may have closed the account.The payment could not be completed as the entered bank account details are incorrect. Try again with another account.
account_closedThis error occurs when the customer's bank account is either closed or no longer valid. The customer or bank may have closed the account.The payment could not be completed as your bank account is closed. You can try again with another account or contact your bank for details.
invalid_withdrawer_dataThis error occurs when the customer's bank account is either closed or no longer valid. The customer or bank may have closed the account.The payment could not be completed as the customer's bank account is closed or blocked. You can try again with another account.
validation_failureThe bank could not validate the customer registration for debiting the customer.The payment is declined due to a mismatch in account details. Try again with the account registered with the business only.
payment_account_withdrawal_frozenThe bank has temporarily blocked withdrawals on the customer's account.The payment could not be completed as withdrawal for your bank account is locked. You can try again with another account or contact your bank for details.
No_DR_allowedThe bank has temporarily blocked withdrawals on the customer's account.The payment could not be completed as withdrawal for your bank account is locked. You can try again with another account or contact your bank for details.
Payment_duplicate _requestA payment initiation request with the same parameters was passed to the gateway. The gateway is blocking duplicate requests.You should retry after 30 minutes.
Registration already in progressA payment initiation request with the same parameters was passed to the gateway. The gateway is blocking duplicate requests.Your mandate registration is already in progress. Check the status in some time.
payment_risk_check_failedPayment declined due to risk checks. Razorpay, Gateway and issuer bank perform these risk checks. The source parameter would give additional clarity on where the risk check failed.The payment could not be completed due to a temporary technical issue. You can try again in sometime.

Use the following API to upload the NACH file sent by the customer.

order_id

mandatory

string The unique identifier of the order that was created. For example, order_FoLdZrq6QGKUWg.

recurring

mandatory

boolean Determines whether the recurring is enabled or not. Possible values:

  • 1: Recurring is enabled.
  • 0: Recurring is not enabled.

file

mandatory

strinng The path where you have saved the NACH file.

razorpay_payment_id

string The unique identifier of the payment that is created. For example, pay_FjDn43bvssCqEM.

razorpay_order_id

string The unique identifier of the order that is created. For example, order_FjDdQ6a0GluJ2c.

razorpay_signature

string The signature generated by the Razorpay. For example, f13775ea8a91e9bf229b9fdba3ad783f7ff2bdbce1c35e87a69ae7418808da04

Given below is a list of possible errors you may face while while uploading a NACH file.

ErrorCauseSolution
unknown_file_typeThis error occurs when the file type of the image is not supported.Make sure the image is in either .jpeg , .jpg or .png formats.
file_size_exceeds_limitThis error occurs when the file size exceeds the permissible limits.Make sure to upload an image of a smaller size.
image_not_clearThis error occurs when the uploaded image is not clear. This can either be due to poor resolution or because part of the image is cropped.Make sure to upload an image with better quality.
form_mismatchThis error occurs when the ID of the uploaded form does not match that in our records.Make sure to upload the image against the correct order ID.
form_signature_missingThis error occurs when the signature of the customer is either missing or could not be detected.Check that the customer has signed in the appropriate box and that the image uploaded is clear. For current accounts, a company stamp may also be required.
form_data_mismatchThis error occurs when one or more of the fields on the NACH form do not match with that in our records.Check that the image is clear and the data has not been tampered with before uploading again.
form_status_pendingThis error occurs when a form against the order is pending action on the destination bank. You cannot submit a new form till you receive a status.Wait for an update from the destination bank on the approval/rejection of the mandate.

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

or

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 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 will be charged when making the authorisation payment. This amount should be 0 in the case of Paper NACH.

Handy Tips

You can

against a registration link.

The following endpoint creates a registration link for recurring payments.

POST
/subscription_registration/auth_links

customer

Details of the customer to whom the registration link is sent.

name

mandatory

string Customer's name.

email

mandatory

string Customer's email address.

contact

mandatory

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. Currently, only INR is supported.

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.

method

mandatory

string The Paper NACH method used to make the authorisation transaction. Here, it is physical.

auth_type

mandatory

string The payment method used to make the authorisation transaction. Here, it is nach.

bank_account

The customer's bank account details.

beneficiary_name

mandatory

string The beneficiary name. 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. The value can range from 500 - 1000000000. The dafault value is 1cr.

expire_at

optional

integer The Unix timestamp till when you can use the token (authorisation on the payment method) to charge the customer subsequent payments. The default value is 10 years. The value can range from the current date to 31-12-2099 (4101580799).

nach

Additional information to be printed on the NACH form 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. Possible values:

  • 0: Notifications are not sent by Razorpay.
  • 1: Notifications are sent by Razorpay (default value).

email_notify

optional

boolean Indicates if email notifications are to be sent by Razorpay. Possible values:

  • 0: Notifications are not sent by Razorpay.
  • 1: Notifications are sent by Razorpay (default value).

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”.

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

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. You should mandatorily pass this parameter if you are accepting international payments.

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.

The following endpoint sends/resends notifications with the short URL to the customer:

POST
/invoices/:id/notify_by/:medium

id

mandatory

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

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.

The following endpoint cancels a registration link.

POST
/invoices/:id/cancel

Watch Out!

You can only cancel the registration link that is in the issued state.

id

mandatory

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

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

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. You should mandatorily pass this parameter if you are accepting international payments.

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.


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