API-wise Integration Checklist for Paper NACH

Paper NACH Registration using Standard Checkout

• Enable webhooks to check the status of the

  token

  and

  payments

  .
• 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. Duplicate validation is done based on email ID and phone number.
• Use the fail_existing : 1 parameter while

  creating a customer

  . This helps reduce the number of customer IDs being created multiple times and will help in your reconciliation process.
• Use the

  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

  custom API.
• To create an authorization 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 or upload the received form using the

    create NACH File

    API.
  • Ensure you pass the mandatory parameters, such as "recurring": "1".
• After the authorization 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.
• You can use the

  Fetch a Payment

  API to know the status of the payment.

Paper NACH Registration using a Registration Link

• Enable webhooks to check the status of the

  token

  and

  payments

  and the

  registration link

  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 1 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.
• The following table indicates the time required to update the token status from the initiated state to the confirmed state for the physical mandates.

Create Subsequent Payments

• Ensure the amount does not exceed the max amount set while

  creating an order

  .
• Ensure the token_id passed is for the linked customer_id while creating a recurring payment.
• Use

  webhook

  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:

Registration and Charge First Payment Together

Related Information

• Integrate Recurring Payments Using Paper NACH