1. Create the Authorization Transaction

You can create an authorization transaction using the

Razorpay APIs

Handy Tips

Bank downtime can affect success rates when processing recurring payments via debit cards.

Using Razorpay APIs

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

1.1 Create a Customer

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

POST

/customers

Request Parameters

name

mandatory

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

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

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

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.

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.

1.2 Create an Order

You can use the

Orders API

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

POST

/orders

curl -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET> \
-X POST https://api.razorpay.com/v1/orders \
-H "Content-Type: application/json" \
-d '{
    "amount": 1000,
    "currency": "INR",
    "merchant_id": "D2eavTHExqy97j",
    "customer_id": "cust_N8fv8Nftx5hato",
    "method": "card",
    "token": {
        "max_amount": 100000000,
        "expire_at": 1709971120,
        "frequency": "monthly"
    },
    "customer_details": {
        "name": "Gaurav Kumar",
        "email": "gaurav.kumar@example.com",
        "contact": "9000090000",
        "shipping_address": {
            "line1": "Mantri apartment",
            "line2": "Koramangala",
            "city": "Bengaluru",
            "country": "IND",
            "state": "Karnataka",
            "zipcode": "560032",
            "latitude": "123123",
            "longitude": "1231231"
        },
        "insights": {
            "order_count": "22",
            "chargeback_count": "4",
            "tier": "gold",
            "booking_channel": "agent",
            "has_account": true,
            "registered_at": 1234567890
        }
    },
    "receipt": "Receipt No. 1",
    "notes": {
        "notes_key_1": "Tea, Earl Grey, Hot",
        "notes_key_2": "Tea, Earl Grey... decaf."
    }
}'

Request Parameters

amount

mandatory

integer Amount in currency subunits. For cards, the amount should be 100 (₹1.00).

currency

mandatory

string The 3-letter ISO currency code for the payment. Currently, we only support INR.

merchant_id

mandatory

string This is the Razorpay merchant ID for your Razorpay account. You can find this by logging in to the Dashboard and clicking the user icon in the top right corner.

customer_id

mandatory

string The unique identifier of the customer. For example, cust_4xbQrmEoA5WJ01.

method

optional

string Payment method used to make the authorisation transaction. Here, it is card.

token

object Details related to the authorisation such as max amount, frequency and expiry information.

max_amount

mandatory

integer The maximum amount that can be auto-debited in a single charge. The minimum value is 100 (₹1), and the maximum value is 100000000 (₹10,00,000). For an amount higher than this or the RBI limit of ₹15,000 (1500000), the cardholder should provide an Additional Factor of Authentication (AFA) as per RBI guidelines.

expire_at

mandatory

integer The Unix timestamp that indicates when the authorisation transaction must expire. The card's expiry year is considered a default value.

frequency

mandatory

string The frequency at which you can charge your customer. Possible values:

weekly
monthly
yearly
as_presented

customer_details

mandatory

object This contains details about the customer details of the order.

name

mandatory

string Customer's name.

Character length: Between 5 and 50 characters.
Allowed characters: Uppercase letters (A-Z), lowercase letters (a-z), and spaces (not at the beginning).
Not allowed characters: Numbers, special characters (e.g., @, ", ,, ., etc.), Unicode characters, emojis, and non-Latin scripts or regional languages.
Prohibited names: Names must be meaningful and contextually appropriate.
- Avoid using repetitive patterns (e.g., aaa, xyz, kkk kk).
- Names like litri litri, Hfg Gh, or husi husi are not permitted.
- Curse words or offensive names are not prohibited.
Example: Gaurav Kumar.

optional

string The customer's email address. A maximum length of 64 characters for the username. For example, in "

gaurav.kumar@example.com

", "gaurav.kumar" must not exceed 64 characters.

contact

optional

string The customer's phone number. A maximum length of 15 characters including country code. For example, +919000090000.

shipping_address

mandatory

object This contains the shipping address of the order.

line1

mandatory

string Address Line 1 of the address.

Character length: Must be between 3 and 100 characters.
Allowed characters: Uppercase letters (A-Z), lowercase letters (a-z), numbers (0-9), spaces, and special characters (*&/-()#_+[]:'".,.).
Not allowed characters: Regional languages.

line2

mandatory

string Address Line 2 of the address.

Character length: Must be between 3 and 100 characters.
Allowed characters: Uppercase letters (A-Z), lowercase letters (a-z), numbers (0-9), spaces, and special characters (*&/-()#_+[]:'".,.).
Not allowed characters: Regional languages.

city

mandatory

string Name of the city. Must be between 3 and 50 characters in length and can only include uppercase (A-Z) and lowercase (a-z) English letters, and spaces.

country

mandatory

string ISO3 country code of the billing address. Only IND is allowed.

state

mandatory

string Name of the state. It must be between 3 and 50 characters extended and can only include uppercase (A-Z) and lowercase (a-z) English letters and spaces. Please send the full name of the state, for example, Madhya Pradesh.

zipcode

mandatory

string The ZIP code must consist of 6-digit numeric characters. Only valid Indian ZIP codes will be accepted. Refer to the

list of supported ZIP codes

latitude

optional

float Latitude of the position expressed in decimal degrees (WSG 84), for example, 6.244203. A positive value denotes the northern hemisphere or the equator, and a negative value denotes the southern hemisphere. The number of digits to represent the precision of the coordinate.

longitude

optional

float Longitude of the position expressed in decimal degrees (WSG 84), for example, -75.581211. A positive value denotes east longitude or the prime meridian, and a negative value denotes west longitude. The number of digits to represent the precision of the coordinate.

insights

optional

json object Additional details of the customer, including past transaction data.

order_count

optional

integer Total orders placed by the account so far on the business platform. For example, 22.

chargeback_count

optional

integer Total chargeback received for the customer account on the business platform. For example, 4.

tier

optional

string Your company's passenger classification, such as with a frequent flyer program. In this case, you might use values such as:

standard
gold
platinum

booking_channel

optional

string To share if the user is an agent, corporate, or individual. Possible values:

agent
corporate
individual

has_account

optional

boolean To denote if the buyer is on guest checkout or has logged into the account. Possible values: - 1: If the user is logged into the account.

0: If the user is on guest

registered_at

optional

integer UNIX timestamp when the customer account was created. For example, 1234567890.

receipt

optional

string A user-entered unique identifier for the order. For example, Receipt No. 1. You should map this parameter to the order_id sent by Razorpay.

notes

optional

object Key-value pair you can use to store additional information about the entity. Maximum 15 key-value pairs, 256 characters each. For example, "note_key": "Beam me up Scotty”.

Response Parameters

amount

integer Amount in currency subunits. For cards, the amount should be 100 (₹1.00).

amount_due

integer The amount that the customer has yet to pay.

amount_paid

integer The amount that has been paid.

attempts

integer The number of payment attempts, successful and failed, that have been made against this order.

created_at

integer The Unix timestamp at which the order was created.

currency

string The 3-letter ISO currency code for the payment. Currently, we only support INR.

entity

string Name of the entity. Here, it is order.

string A unique identifier of the order created. For example order_1Aa00000000002.

method

string Payment method used to make the authorisation transaction. Here, it is card.

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”.

receipt

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.

status

string The status of the order.

token

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

expire_at

integer The Unix timestamp to indicate till when you can use the token (authorisation on the payment method) to charge the customer subsequent payments. The default value is 10 years for emandate. This value can range from the current date to 31-12-2099 (4102444799).

max_amount

integer The maximum amount in paise a customer can be charged in a transaction. The value can range from 500 to 100000000. The default value is 9999900 (₹99,999).

You can create a payment against the order_id after you create an order.

1.3 Create an Authorization Payment

Once an order is created, your next step is to create a payment. Use the below endpoint to create a payment with payment method card.

POST

/payments/create/json

Handy Tips

To process recurring transactions, customer card details will need to be secured/tokenised in accordance with the applicable laws. The merchant will be solely responsible for obtaining informed consent from customers for the processing of e-mandates and such consent shall be explicit and not by way of a forced/default/automatic selection of check box, radio button etc.
When the merchant is sharing recurring: 1 or preferred, it is for tokenising the card as per applicable rules for recurring mandate creation. If such consent is not shared during the payment flow, then Razorpay will not tokenise the card or process the e-mandate/ recurring transaction.

Request Parameters

amount

mandatory

integer Amount in currency subunits. For cards, the minimum value is 100 (₹1).

currency

mandatory

string The 3-letter ISO currency code for the payment. Currently, we only support INR.

order_id

mandatory

string The unique identifier of the order created in

Step 1.2 Create an Order

recurring

mandatory

string Possible values:

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

mandatory

string The customer's email address. For example, gaurav.kumar@example.com.

contact

mandatory

string The customer's contact number. For example, 9000090000.

method

mandatory

string The payment method selected by the customer. Here, the value must be card.

card

object The attributes associated with a card.

number

mandatory

integer Unformatted card number. This field is required if value of method is card. Use one of our

test cards

to try out the payment flow.

cvv

mandatory

integer CVV printed on the back of the card.

Handy Tips

CVV is not required by default for tokenised cards across all networks.
CVV is optional for tokenised card payments. Do not pass dummy CVV values.
To implement this change, skip passing the cvv parameter entirely, or pass a null or empty value in the CVV field.
We recommend removing the CVV field from your checkout UI/UX for tokenised cards.
If CVV is still collected for tokenised cards and the customer enters a CVV, pass the entered CVV value to Razorpay.

expiry_month

mandatory

integer The expiry month of the card in MM format. For example, 01 for January and 12 for December.

expiry_year

mandatory

integer Expiry year for card in the YY format. For example, 2025 will be in format 25.

name

mandatory

string The name of the cardholder.

notes

mandatory

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”.

invoice_number

mandatory

string Invoice number of the generated invoice. Ensure that each payment has a unique invoice number, with a length of fewer than 40 characters.

goods_description

optional

string Description of the goods. For example, Digital Lamp.

Response Parameters

If the payment request is valid, the response contains the following fields. Refer to the

S2S Json V2 integration document

for more details.

razorpay_payment_id

string Unique identifier of the payment. Present for all responses.

array A list of action objects available to you to continue the payment process. Present when the payment requires further processing.

action

string An indication of the next step available to you to continue the payment process. Possible values:

otp_generate - Use this URL to allow the customer to generate OTP and complete the payment on your webpage.
redirect - Use this URL to redirect the customer to submit the OTP on the bank page.

url

string URL to be used for the action indicated.