1. Create an Authorisation Transaction

Create an authorisation transaction for UPI using Razorpay APIs and Registration Link.


You can create an authorisation transaction using

or .

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

  1. .
  2. .
  3. .

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.

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

Handy Tips

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

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.

notes

optional

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.

MCCCategoryMin ValueMax Value
6211Financial Services100 (₹1)20000000 (₹2,00,000)
6300Financial Services100 (₹1)20000000 (₹2,00,000)
7322Financial Services100 (₹1)20000000 (₹2,00,000)
6529Financial Services100 (₹1)20000000 (₹2,00,000)
5960Services100 (₹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.

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.

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 must be atleast 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 upiThis 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.
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.

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 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

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.

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.

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 is charged when making the authorisation payment. For UPI, the amount must be a minimum of ₹1.

Handy Tips

You can

against a registration link.

The following endpoint creates a registration link.

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 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.

MCCCategoryMin ValueMax Value
6211Financial Services100 (₹1)20000000 (₹2,00,000)
6300Financial Services100 (₹1)20000000 (₹2,00,000)
7322Financial Services100 (₹1)20000000 (₹2,00,000)
6529Financial Services100 (₹1)20000000 (₹2,00,000)
5960Services100 (₹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.

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.
  • 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:

  • 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

Handy Tips

You can only cancel registration link 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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