Integrate Recurring Payments Using UPI

Prerequisites

• Raise a request with our

  Support team

  to get Recurring Payments activated on your account you are trying to integrate.
• Check if the UPI is enabled using the

  Fetch Supported Methods

  API. Also, check the list of

  supported banks and apps

  for UPI Recurring and enable it for your account.

1. Mandate Registration

Mandate registration is a process of creating a payment checkout form for customers to make Authorisation Transaction and register their UPI. A token will be generated once a customer makes this transaction.

Using this authorisation transaction, we can authenticate the customer's UPI and ensure that we can charge them recurring payments. The authorisation transaction can be created using Razorpay Standard Checkout or Registration Link.

Using Razorpay Standard Checkout

Using a Registration Link

Following is the authorisation transaction flow for Razorpay Standard Checkout method.

To create checkout form for customers to complete authorisation transaction using the Razorpay Standard Checkout method:

Watch Out!

The authorisation transaction using standard checkout can be created only using Razorpay APIs.

1. Create a customer
   
   This returns a customer_id.
2. Create an order
   
   This returns an order_id. The order must be created for:
3. Create authorisation transaction
   
   Pass the customer_id, order_id and a few additional parameters in your checkout to create the authorization payment. The customer completes the authorization payment, which generates a token.

Authorisation Payment Statuses

Once the customer has made the Authorisation Payment, it moves through the following states as per the

2. Fetch Mandate Registration Details

This is a process of fetching the token that contains the registration details of the customer and checking its status.

A token represents a mandate registration and is generated after the authorisation transaction is successfully captured. A token contains customer's payment details stored by Razorpay and is used to create a recurring payment.

You can search for the tokens using the following:

• APIs

• Dashboard

• Webhooks

Token Statuses

As the authorisation transaction moves through its different states, the token that is generated also undergoes state changes. Following is the life cycle of a token:

Know more about the turnaround time (TAT) for UPI from the

3. Charge Customers

This is the process of charging customers the actual subsequent amount using the fetched token and customer details.

Once a token goes to the confirmed state, you can start creating recurring payments for the customer as per your business requirements.

You can create subsequent payments using Dashboard or APIs.