1. Create the Authorisation Transaction

Available in🇮🇳 India

The flow to complete an authorisation transaction using paper NACH is a little different from the regular recurring payment flow. The flow when using paper NACH is:

Create a customer.
Create an order by passing the customer_id and method nach. When you do this, Razorpay generates a NACH form with the customer information pre-filled and ready to sign.
The customer signs the form. The customer can obtain the form in one of the following ways:
- You can download the form from the Dashboard and send it to the customer.
- Download from the Hosted page (in the case of registration links).
The signed form is uploaded to Razorpay. This can be done in one of the following ways:
- Using custom Checkout page created from Razorpay APIs.
- 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 once the token status changes to confirmed. You can create an authorisation transaction using Razorpay APIs or Registration Link.

1.1. Using Razorpay APIs

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

Create a Customer.
Create an Order.
Create Authorisation Payment using Razorpay APIs.

Handy TipsFor 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.

1.1.1. Create a Customer

Razorpay links recurring tokens to customers using a unique identifier generated through 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

Sample Code

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/customers \
-H "Content-Type: application/json" \
-d '{
  "name": "<name>",
  "email": "<email>",
  "contact": "<phone>",
  "fail_existing": "0",
  "notes":{
    "note_key_1": "September",
    "note_key_2": "Make it so."
  }
}'

RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject customerRequest = new JSONObject();
customerRequest.put("name","<name>");
customerRequest.put("contact","<phone>");
customerRequest.put("email","<email>");
customerRequest.put("fail_existing", "0");
JSONObject notes = new JSONObject();
notes.put("notes_key_1","Tea, Earl Grey, Hot");
notes.put("notes_key_2","Tea, Earl Grey… decaf.");
customerRequest.put("notes",notes);

Customer customer = razorpay.customers.create(customerRequest);

import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.customer.create({
    'name': '<name>',
    'email': '<email>',
    'contact': '<phone>',
    'fail_existing': "0",
    'notes': {'note_key_1': 'September', 'note_key_2': 'Make it so.'}
    })

import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
    "name": "<name>",
    "contact": <phone>,
    "email": "<email>",
    "fail_existing": "0",
    "notes": map[string]interface{}{
        "notes_key_1": "Tea, Earl Grey, Hot",
        "notes_key_2": "Tea, Earl Grey… decaf.",
    },
}
body, err := client.Customer.Create(data, nil)

$api = new Api($key_id, $secret);

$api->customer->create(array('name' => '<name>', 'email' => '<email>','contact'=>'<phone>','fail_existing' => "0", 'notes'=> array('notes_key_1'=> 'Tea, Earl Grey, Hot','notes_key_2'=> 'Tea, Earl Grey… decaf'));

RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary<string, object> options = new Dictionary<string,object>();

options.Add("name", "<name>"); 
options.Add("contact", "<phone>"); 
options.Add("email", "<email>"); 
options.Add("fail_existing", "0"); 

Customer customer = Customer.Create(options);

require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
  "name": "<name>",
  "contact": "<phone>",
  "email": "<email>",
  "fail_existing": "0",
  "notes": {
    "notes_key_1": "Tea, Earl Grey, Hot",
    "notes_key_2": "Tea, Earl Grey… decaf."
  }
}

Razorpay::Customer.create(para_attr)

var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.customers.create({
  name: "<name>",
  contact: "<phone>",
  email: "<email>",
  fail_existing: "0",
  notes: {
    notes_key_1: "Tea, Earl Grey, Hot",
    notes_key_2: "Tea, Earl Grey… decaf."
  }
})

{
  "id":"cust_1Aa00000000001",
  "entity":"customer",
  "name":"<name>",
  "email":"<email>",
  "contact":"<phone>",
  "gstin":null,
  "notes":{
      "note_key_1":"September",
      "note_key_2":"Make it so."
  },
  "created_at ":1234567890
}

Request Parameters

name : string The name of the customer. For example, Gaurav Kumar. email : string The email address of the customer. For example, gaurav.kumar@example.com. contact : 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”.

1.1.2. Create an Order

curl -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET> \
-X POST https://api.razorpay.com/v1/orders \
-H "Content-Type: application/json" \
-d '{
  "amount":0,
  "currency":"INR",
  "method":"nach",
  "customer_id": "cust_1Aa00000000001",
  "receipt":"Receipt No. 1",
  "notes": {
    "notes_key_1": "Beam me up Scotty",
    "notes_key_2": "Engage"
  },
  "token":{
    "auth_type":"physical",
    "max_amount":10000000,
    "expire_at":2709971120,
    "notes": {
      "notes_key_1": "Tea, Earl Grey, Hot",
      "notes_key_2": "Tea, Earl Grey… decaf."
    },
    "bank_account":{
      "account_number":"11214311215411",
      "ifsc_code":"HDFC0000001",
      "beneficiary_name":"Gaurav Kumar",
      "account_type":"savings"
    },
    "nach":{
      "form_reference1":"Recurring Payment for Gaurav Kumar",
      "form_reference2":"Method Paper NACH",
      "description":"Paper NACH Gaurav Kumar"
    }
  }
}'

RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject orderRequest = new JSONObject();
orderRequest.put("amount", 0);
orderRequest.put("currency", "INR");
orderRequest.put("customer_id", "cust_JDdNazagOgg9Ig");
orderRequest.put("method", "nach");
orderRequest.put("receipt", "receipt#1");
JSONObject notes = new JSONObject();
notes.put("notes_key_1","Tea, Earl Grey, Hot");
notes.put("notes_key_2","Tea, Earl Grey… decaf.");
orderRequest.put("notes", notes);
JSONObject token = new JSONObject();
token.put("auth_type","physical");
token.put("max_amount","10000000");
token.put("expire_at","2709971120");
JSONObject tokenNotes = new JSONObject();
tokenNotes.put("notes_key_1","Tea, Earl Grey, Hot");
tokenNotes.put("notes_key_2","Tea, Earl Grey… decaf.");
token.put("notes",tokenNotes);
orderRequest.put("token", token);
JSONObject bankAccount = new JSONObject();
bankAccount.put("beneficiary_name","Gaurav Kumar");
bankAccount.put("account_number","11214311215411");
bankAccount.put("account_type","savings");
bankAccount.put("ifsc_code","HDFC0001233");
token.put("bank_account",bankAccount);
JSONObject nach = new JSONObject();
nach.put("form_reference1","Recurring Payment for Gaurav Kumar");
nach.put("form_reference2","Method Paper NACH");
nach.put("description","Paper NACH Gaurav Kumar");
token.put("nach",nach);

Order order = razorpay.orders.create(orderRequest);

$api = new Api($key_id, $secret);

$api->order->create(array('amount' => 0,'currency' => 'INR','method' => 'nach','customer_id' => 'cust_1Aa00000000001','receipt' => 'Receipt No. 1',  'notes' => array('notes_key_1' => 'Beam me up Scotty','notes_key_2' => 'Engage'),'token' => array('auth_type' => 'physical','max_amount' => 10000000,'expire_at' => 2709971120,'notes' => array('notes_key_1' => 'Tea, Earl Grey, Hot','notes_key_2' => 'Tea, Earl Grey… decaf.'),'bank_account' => array('account_number' => '11214311215411','ifsc_code' => 'HDFC0000001','beneficiary_name' => 'Gaurav Kumar','account_type' => 'savings'),'nach' => array('form_reference1' => 'Recurring Payment for Gaurav Kumar','form_reference2' => 'Method Paper NACH','description' => 'Paper NACH Gaurav Kumar'))));

var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.orders.create({
  amount: 0,
  currency: "INR",
  method: "nach",
  customer_id: "cust_1Aa00000000001",
  receipt: "Receipt No. 1",
  notes: {
    notes_key_1: "Beam me up Scotty",
    notes_key_2: "Engage"
  },
  token: {
    auth_type: "netbanking",
    max_amount: 9999900,
    expire_at: 4102444799,
    notes: {
      notes_key_1: "Tea, Earl Grey, Hot",
      notes_key_2: "Tea, Earl Grey… decaf."
    },
    bank_account: {
      beneficiary_name: "Gaurav Kumar",
      account_number: "1121431121541121",
      account_type: "savings",
      ifsc_code: "HDFC0000001"
    }
  }
})

client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.order.create({
    'amount': 0,
    'currency': 'INR',
    'method': 'nach',
    'customer_id': 'cust_1Aa00000000001',
    'receipt': 'Receipt No. 1',
    'notes': {'notes_key_1': 'Beam me up Scotty',
              'notes_key_2': 'Engage'},
    'token': {
        'auth_type': 'netbanking',
        'max_amount': 9999900,
        'expire_at': 4102444799,
        'notes': {'notes_key_1': 'Tea, Earl Grey, Hot',
                  'notes_key_2': 'Tea, Earl Grey... decaf.'},
        'bank_account': {
            'beneficiary_name': 'Gaurav Kumar',
            'account_number': 1121431121541121,
            'account_type': 'savings',
            'ifsc_code': 'HDFC0000001'
            }
        }
    })

require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
  "amount": 0,
  "currency": "INR",
  "method": "nach",
  "customer_id": "cust_1Aa00000000001",
  "receipt": "Receipt No. 1",
  "notes": {
    "notes_key_1": "Beam me up Scotty",
    "notes_key_2": "Engage"
  },
  "token": {
    "auth_type": "netbanking",
    "max_amount": 9999900,
    "expire_at": 4102444799,
    "notes": {
      "notes_key_1": "Tea, Earl Grey, Hot",
      "notes_key_2": "Tea, Earl Grey… decaf."
    },
    "bank_account": {
      "beneficiary_name": "Gaurav Kumar",
      "account_number": 1121431121541121,
      "account_type": "savings",
      "ifsc_code": "HDFC0000001"
    }
  }
}

Razorpay::Order.create(para_attr)

import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data := map[string]interface{}{
  "amount":0,
  "currency":"INR",
  "method":"nach",
  "customer_id": "cust_1Aa00000000001",
  "receipt":"Receipt No. 1",
  "notes": map[string]interface{}{
    "notes_key_1": "Beam me up Scotty",
    "notes_key_2": "Engage",
  },
  "token":map[string]interface{}{
    "auth_type":"physical",
    "max_amount":10000000,
    "expire_at":2709971120,
    "notes": map[string]interface{}{
      "notes_key_1": "Tea, Earl Grey, Hot",
      "notes_key_2": "Tea, Earl Grey… decaf.",
    },
    "bank_account":map[string]interface{}{
      "account_number":"11214311215411",
      "ifsc_code":"HDFC0000001",
      "beneficiary_name":"Gaurav Kumar",
      "account_type":"savings",
    },
    "nach":map[string]interface{}{
      "form_reference1":"Recurring Payment for Gaurav Kumar",
      "form_reference2":"Method Paper NACH",
      "description":"Paper NACH Gaurav Kumar",
    },
  },
}
body, err := client.Order.Create(data, nil)

RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary<string, object> orderRequest = new Dictionary<string, object>();
orderRequest.Add("amount", 0);
orderRequest.Add("currency", "INR");
orderRequest.Add("customer_id", "cust_JDdNazagOgg9Ig");
orderRequest.Add("method", "nach");
orderRequest.Add("receipt", "receipt#1");
Dictionary<string, object> notes = new Dictionary<string, object>();
notes.Add("notes_key_1","Tea, Earl Grey, Hot");
notes.Add("notes_key_2","Tea, Earl Grey… decaf.");
orderRequest.Add("notes", notes);
Dictionary<string, object> token = new Dictionary<string, object>();
token.Add("auth_type","physical");
token.Add("max_amount","10000000");
token.Add("expire_at","2709971120");
Dictionary<string, object> tokenNotes = new Dictionary<string, object>();
tokenNotes.Add("notes_key_1","Tea, Earl Grey, Hot");
tokenNotes.Add("notes_key_2","Tea, Earl Grey… decaf.");
token.Add("notes",tokenNotes);
orderRequest.Add("token", token);
Dictionary<string, object> bankAccount = new Dictionary<string, object>();
bankAccount.Add("beneficiary_name","Gaurav Kumar");
bankAccount.Add("account_number","11214311215411");
bankAccount.Add("account_type","savings");
bankAccount.Add("ifsc_code","HDFC0001233");
token.Add("bank_account",bankAccount);
Dictionary<string, object> nach = new Dictionary<string, object>();
nach.Add("form_reference1","Recurring Payment for Gaurav Kumar");
nach.Add("form_reference2","Method Paper NACH");
nach.Add("description","Paper NACH Gaurav Kumar");
token.Add("nach",nach);

Order order = client.Order.Create(orderRequest);

{
   "id":"order_1Aa00000000001",
   "entity":"order",
   "amount":0,
   "amount_paid":0,
   "amount_due":0,
   "currency":"INR",
   "receipt":"rcptid #10",
   "offer_id":null,
   "offers":{
      "entity":"collection",
      "count":0,
      "items":[
         
      ]
   },
   "status":"created",
   "attempts":0,
   "notes":{
      "notes_key_1":"Beam me up Scotty",
      "notes_key_2":"Engage"
   },
   "created_at":1579775420,
   "token":{
      "method":"nach",
      "notes":{
         "notes_key_1":"Tea, Earl Grey, Hot",
         "notes_key_2":"Tea, Earl Grey… decaf."
      },
      "recurring_status":null,
      "failure_reason":null,
      "currency":"INR",
      "max_amount":10000000,
      "auth_type":"physical",
      "expire_at":1580480689,
      "nach":{
         "create_form":true,
         "form_reference1":"Recurring Payment for Gaurav Kumar",
         "form_reference2":"Method Paper NACH",
         "prefilled_form":"https://rzp.io/i/bitw",
         "upload_form_url":"https://rzp.io/i/gts",
         "description":"Paper NACH Gaurav Kumar"
      },
      "bank_account":{
         "ifsc":"HDFC0000001",
         "bank_name":"HDFC Bank",
         "name":"Gaurav Kumar",
         "account_number":"11214311215411",
         "account_type":"savings",
         "beneficiary_email":"gaurav.kumar@example.com",
         "beneficiary_mobile":"9876543210"
      },
      "first_payment_amount":0
   }
}

{
   "error":{
      "code":"BAD_REQUEST_ERROR",
      "description":"The id provided does not exist",
      "source":"business",
      "step":"payment_initiation",
      "reason":"input_validation_failed",
      "metadata":{
         
      }
   }
}

Request Parameters

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 authorization 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, Receipt No. 1. This parameter should be mapped to the order_id sent by Razorpay. notesoptional : 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 authorization 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_numbermandatory : string Customer’s bank account number. For example, 11214311215411. ifsc_codemandatory : string Customer’s bank IFSC. For example, UTIB0000001. beneficiary_namemandatory : string Customer’s name. For example, Gaurav Kumar. account_type optional : string Customer’s bank account type. Possible values:

savings (default)
current

max_amount optional : integer Use to set the maximum amount per debit request. Know about maximum and default values. expire_at optional : integer Timestamp, in Unix, that specifies when the registration link should expire. The default value is 30 years. 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. notesoptional : 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”.

1.1.3. Create an Authorisation Payment

Follow these steps to create authorisation transaction:

Download the Paper NACH form and send it to the customers.
Ask the customers to fill the form and
- Upload it via the Checkout.
- Send it to you and you can upload it from the Dashboard.
Upload the received form via create NACH File API.

1.1.3.1 Upload the NACH File via Checkout

Handler Function vs Callback URL

Handler Function:
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.
Callback URL:
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.

<script type="text/javascript" src="https://checkout.razorpay.com/v1/razorpay.js"></script>
<script src= "https://ajax.googleapis.com/ajax/libs/jquery/3.3.1/jquery.min.js"> </script>
  <body><button id="btn" style="background-color: #3399cc; color: white; font-size: 16px; font-family: sans-serif">Pay</button>
<script>
  const btn = document.querySelector("#btn");
                var razorpay = new Razorpay({
                  key: "<YOUR_TEST_KEY>",
                  image: "https://i.imgur.com/n5tjHFD.jpg"
                });
          razorpay.once("ready", function(response) {
            console.log(response.methods);
          })
          var data = {
      "amount": 100, // in currency subunits. Here 1000 = 1000 paise, which equals to ₹10
      "currency": "INR",// Default is INR. We support more than 90 currencies.
      "email": "gaurav.kumar@example.com",
      "contact": "9123456780",
      "notes": {
        "address": "Ground Floor, SJR Cyber, Laskar Hosur Road, Bengaluru",
      },
      "order_id": "order_00000000000001",
      "customer_id": "cust_00000000000001",
      "recurring": true,
      "method": "nach",
  	  "bank": "HDFC",
  	  "auth_type": "physical",
  	  "bank_account[name]": "Gaurav Kumar",
  	  "bank_account[account_number]": "1121431121541121",
  	  "bank_account[account_type]": "savings",
  	  "bank_account[ifsc]": "HDFC0000001"
    };
      btn.addEventListener("click", function(){ // has to be placed within user initiated context, such as click, in order for popup to open.
      razorpay.createPayment(data);
      razorpay.on("payment.success", function(resp) {
        alert(resp.razorpay_payment_id),
        alert(resp.razorpay_order_id),
        alert(resp.razorpay_signature)}); // will pass payment ID, order ID and Razorpay signature to success handler.
      razorpay.on("payment.error", function(resp){alert(resp.error.description)}); // will pass error object to error handler
    })
  </script>
</body>

<script type="text/javascript" src="https://checkout.razorpay.com/v1/razorpay.js"></script>
<script src= "https://ajax.googleapis.com/ajax/libs/jquery/3.3.1/jquery.min.js"> </script>
  <body><button id="btn" style="background-color: #3399cc; color: white; font-size: 16px; font-family: sans-serif">Pay</button>
<script>
  const btn = document.querySelector("#btn");
                var razorpay = new Razorpay({
                  key: "<YOUR_TEST_KEY>",
                  image: "https://i.imgur.com/n5tjHFD.jpg"
                });
          razorpay.once("ready", function(response) {
            console.log(response.methods);
          })
          var data = {
       "callback_url": "www.example-callback-url.com",
       "amount": 100, // in currency subunits. Here 1000 = 1000 paise, which equals to ₹10
      "currency": "INR",// Default is INR. We support more than 90 currencies.
      "email": "gaurav.kumar@example.com",
      "contact": "9123456780",
      "notes": {
        "address": "Ground Floor, SJR Cyber, Laskar Hosur Road, Bengaluru",
      },
      "order_id": "order_00000000000001",
      "customer_id": "cust_00000000000001",
      "recurring": true,
      "method": "nach",
  	  "bank": "HDFC",
  	  "auth_type": "physical",
  	  "bank_account[name]": "Gaurav Kumar",
  	  "bank_account[account_number]": "1121431121541121",
  	  "bank_account[account_type]": "savings",
  	  "bank_account[ifsc]": "HDFC0000001"
    };
      btn.addEventListener("click", function(){ // has to be placed within user initiated context, such as click, in order for popup to open.
      razorpay.createPayment(data);
    })
  </script>
</body>

Additional Checkout Fields

customer_id mandatory : string Unique identifier of the customer created in the first step. order_id mandatory : string Unique identifier of the order created in the second step. recurring mandatory : boolean Determines whether the recurring is enabled or not. Possible values:

true: Recurring payment is enabled.
false: Recurring payment is not enabled.

1.1.3.2 Upload the NACH File via API

Feature RequestThis feature is available only on request. It is not available by default. Raise a request on our Support Portal to get this feature enabled.

You can use the Create NACH File API to upload the signed NACH forms you collect from your customers. On successful verification, we submit the form to NPCI and return a success/failure response to you. Use the below endpoint to upload the completed NACH file. POST /payments/create/nach/file

curl -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET> \
-X POST 'https://api.razorpay.com/v1/payments/create/nach/file' \
-H "Content-Type: multipart/form-data" \
-F 'order_id=order_FoLdZrq6QGKUWg' \
-F 'file=@/Users/your_name/sample_uploaded.jpeg' // file path

{
  "razorpay_payment_id": "pay_FjDn43bvssCqEM",
  "razorpay_order_id": "order_FoLdZrq6QGKUWg",
  "razorpay_signature": "f13775ea8a91e9bf229b9fdba3ad783f7ff2bdbce1c35e87a69ae7418808da04"
}

{
"error": {
  "code": "BAD_REQUEST_ERROR",
  "description": "file size exceeds limit",
  "field": null,
  "source": "customer",
  "step": "form_upload",
  "reason": "file size exceeds limit",
  "metadata": {
    "payment_id": null,
    "order_id": "order_FoLdZrq6QGKUWg"
    }
  }
}

Error Reasons

To learn about errors, refer to the FAQ Upload the NACH File section.

1.2. Using a Registration Link

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

Handy Tips

You do not have to create a customer if you choose the registration link method for creating an authorisation transaction.
You can use Webhooks to get notifications about successful payments against a registration link.

When you create a registration link, an invoice is automatically issued to the customer. They can use this invoice to make the authorisation payment. In the case of Paper NACH, the order amount must be 0.

1.2.1. Create a Registration Link

The following endpoint creates a registration link for recurring payments. POST /subscription_registration/auth_links

curl -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET>
-X POST https://api.razorpay.com/v1/subscription_registration/auth_links
-H "Content-Type: application/json" \
-d '{
  "customer":{
    "name":"Gaurav Kumar",
    "email":"gaurav.kumar@example.com",
    "contact":"9123456780"
  },
  "amount":0,
  "currency":"INR",
  "type":"link",
  "description":"12 p.m. Meals",
  "subscription_registration":{
    "method":"nach",
    "auth_type":"physical",
    "bank_account":{
      "beneficiary_name":"Gaurav Kumar",
      "account_number":"11214311215411",
      "account_type":"savings",
      "ifsc_code":"HDFC0001233"
    },
    "nach":{
      "form_reference1":"Recurring Payment for Gaurav Kumar",
      "form_reference2":"Method Paper NACH"
    },
    "expire_at":1947483647,
    "max_amount":50000
  },
  "receipt":"Receipt No. 1",
  "sms_notify":true,
  "email_notify":true,
  "expire_by":1647483647,
  "notes":{
    "note_key 1":"Beam me up Scotty",
    "note_key 2":"Tea. Earl Gray. Hot."
  }
}'

RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

JSONObject registrationLinkRequest = new JSONObject();
JSONObject customer = new JSONObject();
customer.put("name","Gaurav Kumar");
customer.put("email","gaurav.kumar@example.com");
customer.put("contact","9123456780");
registrationLinkRequest.put("customer", customer);
registrationLinkRequest.put("type", "link");
registrationLinkRequest.put("amount", 0);
registrationLinkRequest.put("currency", "INR");
registrationLinkRequest.put("description", "12 p.m. Meals");
JSONObject subscriptionRegistration = new JSONObject();
subscriptionRegistration.put("method","nach");
subscriptionRegistration.put("auth_type","physical");
subscriptionRegistration.put("max_amount",50000);
subscriptionRegistration.put("expire_at",1609423824);
JSONObject bankAccount = new JSONObject();
bankAccount.put("beneficiary_name","Gaurav Kumar");
bankAccount.put("account_number","11214311215411");
bankAccount.put("account_type","savings");
bankAccount.put("ifsc_code","HDFC0001233");
JSONObject nach = new JSONObject();
nach.put("form_reference1","Recurring Payment for Gaurav Kumar");
nach.put("form_reference2","Method Paper NACH");
subscriptionRegistration.put("bank_account",bankAccount);
subscriptionRegistration.put("nach",nach);
registrationLinkRequest.put("subscription_registration", subscriptionRegistration);
registrationLinkRequest.put("receipt", "Receipt No. #1");
registrationLinkRequest.put("email_notify", true);
registrationLinkRequest.put("sms_notify", true);
registrationLinkRequest.put("expire_by", 1580479824);
JSONObject notes = new JSONObject();
notes.put("notes_key_1","Tea, Earl Grey, Hot");
notes.put("notes_key_2","Tea, Earl Grey… decaf.");
registrationLinkRequest.put("notes", notes);

Invoice invoice = razorpay.invoices.createRegistrationLink(registrationLinkRequest);

$api = new Api($key_id, $secret);

$api->subscription->createSubscriptionRegistration(array('customer' => array('name' => 'Gaurav Kumar','email' => 'gaurav.kumar@example.com','contact' => '9123456780'),'amount' => 0,'currency' => 'INR','type' => 'link','description' => '12 p.m. Meals','subscription_registration' => array('method' => 'nach','auth_type' => 'physical','bank_account' => array('beneficiary_name' => 'Gaurav Kumar','account_number' => '11214311215411','account_type' => 'savings','ifsc_code' => 'HDFC0001233'),'nach' => array('form_reference1' => 'Recurring Payment for Gaurav Kumar','form_reference2' => 'Method Paper NACH'),'expire_at' => 1947483647,'max_amount' => 50000),'receipt' => 'Receipt No. 1','sms_notify' => true,'email_notify' => true,'expire_by' => 1647483647,'notes' => array('note_key 1' => 'Beam me up Scotty','note_key 2' => 'Tea. Earl Gray. Hot.')));

var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

instance.payments.createRecurringPayment({
  customer: {
    name: "Gaurav Kumar",
    email: "gaurav.kumar@example.com",
    contact: 9123456780
  },
  amount: 0,
  currency: "INR",
  type: "link",
  description: "12 p.m. Meals",
  subscription_registration: {
    method: "nach",
    auth_type: "physical",
    bank_account: {
      beneficiary_name: "Gaurav Kumar",
      account_number: 11214311215411,
      account_type: "savings",
      ifsc_code: "HDFC0001233"
    },
    nach: {
      form_reference1: "Recurring Payment for Gaurav Kumar",
      form_reference2: "Method Paper NACH"
    },
    expire_at: 1947483647,
    max_amount: 50000
  },
  receipt: "Receipt No. 1",
  sms_notify: true,
  email_notify: true,
  expire_by: 1647483647,
  notes: {
    "note_key 1": "Beam me up Scotty",
    "note_key 2": "Tea. Earl Gray. Hot."
  }
})

client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

client.registration_link.create({
    'customer': {'name': 'Gaurav Kumar',
                 'email': 'gaurav.kumar@example.com',
                 'contact': 9123456780},
    'amount': 0,
    'currency': 'INR',
    'type': 'link',
    'description': '12 p.m. Meals',
    'subscription_registration': {
        'method': 'nach',
        'auth_type': 'physical',
        'bank_account': {
            'beneficiary_name': 'Gaurav Kumar',
            'account_number': 11214311215411,
            'account_type': 'savings',
            'ifsc_code': 'HDFC0001233',
            },
        'nach': {'form_reference1': 'Recurring Payment for Gaurav Kumar'
                 , 'form_reference2': 'Method Paper NACH'},
        'expire_at': 1947483647,
        'max_amount': 50000,
        },
    'receipt': 'Receipt No. 1',
    'sms_notify': True,
    'email_notify': True,
    'expire_by': 1647483647,
    'notes': {'note_key 1': 'Beam me up Scotty',
              'note_key 2': 'Tea. Earl Gray. Hot.'}
    })

require "razorpay"
Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

para_attr = {
  "customer": {
    "name": "Gaurav Kumar",
    "email": "gaurav.kumar@example.com",
    "contact": 9123456780
  },
  "amount": 0,
  "currency": "INR",
  "type": "link",
  "description": "12 p.m. Meals",
  "subscription_registration": {
    "method": "nach",
    "auth_type": "physical",
    "bank_account": {
      "beneficiary_name": "Gaurav Kumar",
      "account_number": 11214311215411,
      "account_type": "savings",
      "ifsc_code": "HDFC0001233"
    },
    "nach": {
      "form_reference1": "Recurring Payment for Gaurav Kumar",
      "form_reference2": "Method Paper NACH"
    },
    "expire_at": 1947483647,
    "max_amount": 50000
  },
  "receipt": "Receipt No. 1",
  "sms_notify": 1,
  "email_notify": 1,
  "expire_by": 1647483647,
  "notes": {
    "note_key 1": "Beam me up Scotty",
    "note_key 2": "Tea. Earl Gray. Hot."
  }
}

Razorpay::SubscriptionRegistration.create(para_attr)

import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

data:= map[string]interface{}{
  "customer":map[string]interface{}{
    "name":"Gaurav Kumar",
    "email":"gaurav.kumar@example.com",
    "contact":"9123456780",
  },
  "amount":0,
  "currency":"INR",
  "type":"link",
  "description":"12 p.m. Meals",
  "subscription_registration":map[string]interface{}{
    "method":"nach",
    "auth_type":"physical",
    "bank_account":map[string]interface{}{
      "beneficiary_name":"Gaurav Kumar",
      "account_number":"11214311215411",
      "account_type":"savings",
      "ifsc_code":"HDFC0001233",
    },
    "nach":map[string]interface{}{
      "form_reference1":"Recurring Payment for Gaurav Kumar",
      "form_reference2":"Method Paper NACH",
    },
    "expire_at":1947483647,
    "max_amount":50000,
  },
  "receipt":"Receipt No. 1",
  "sms_notify":true,
  "email_notify":true,
  "expire_by":1647483647,
  "notes":map[string]interface{}{
    "note_key 1":"Beam me up Scotty",
    "note_key 2":"Tea. Earl Gray. Hot.",
  },
}

body, err := client.Invoice.CreateRegistrationLink(data, nil)

RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

Dictionary<string, object> registrationLinkRequest = new Dictionary<string, object>();
Dictionary<string, object> customer = new Dictionary<string, object>();
customer.Add("name","Gaurav Kumar");
customer.Add("email","gaurav.kumar@example.com");
customer.Add("contact","9123456780");
registrationLinkRequest.Add("customer", customer);
registrationLinkRequest.Add("type", "link");
registrationLinkRequest.Add("amount", 0);
registrationLinkRequest.Add("currency", "INR");
registrationLinkRequest.Add("description", "12 p.m. Meals");
Dictionary<string, object> subscriptionRegistration = new Dictionary<string, object>();
subscriptionRegistration.Add("method","nach");
subscriptionRegistration.Add("auth_type","physical");
subscriptionRegistration.Add("max_amount",50000);
subscriptionRegistration.Add("expire_at",1609423824);
Dictionary<string, object> bankAccount = new Dictionary<string, object>();
bankAccount.Add("beneficiary_name","Gaurav Kumar");
bankAccount.Add("account_number","11214311215411");
bankAccount.Add("account_type","savings");
bankAccount.Add("ifsc_code","HDFC0001233");
Dictionary<string, object> nach = new Dictionary<string, object>();
nach.Add("form_reference1","Recurring Payment for Gaurav Kumar");
nach.Add("form_reference2","Method Paper NACH");
subscriptionRegistration.Add("bank_account",bankAccount);
subscriptionRegistration.Add("nach",nach);
registrationLinkRequest.Add("subscription_registration", subscriptionRegistration);
registrationLinkRequest.Add("receipt", "Receipt No. #111");
registrationLinkRequest.Add("email_notify", true);
registrationLinkRequest.Add("sms_notify", true);
registrationLinkRequest.Add("expire_by", 1580479824);
Dictionary<string, object> notes = new Dictionary<string, object>();
notes.Add("notes_key_1","Tea, Earl Grey, Hot");
notes.Add("notes_key_2","Tea, Earl Grey… decaf.");
registrationLinkRequest.Add("notes", notes);

Invoice invoice = client.Invoice.CreateRegistrationLink(registrationLinkRequest);

{
    "id": "inv_FHrZiAubEzDdaq",
    "entity": "invoice",
    "receipt": "Receipt No. 1",
    "invoice_number": "Receipt No. 1",
    "customer_id": "cust_BMB3EwbqnqZ2EI",
    "customer_details": {
        "id": "cust_BMB3EwbqnqZ2EI",
        "name": "Gaurav Kumar",
        "email": "gaurav.kumar@example.com",
        "contact": "9123456780",
        "gstin": null,
        "billing_address": null,
        "shipping_address": null,
        "customer_name": "Gaurav Kumar",
        "customer_email": "gaurav.kumar@example.com",
        "customer_contact": "9123456780"
    },
    "order_id": "order_FHrZiBOkWHZPOp",
    "line_items": [],
    "payment_id": null,
    "status": "issued",
    "expire_by": 1647483647,
    "issued_at": 1595491154,
    "paid_at": null,
    "cancelled_at": null,
    "expired_at": null,
    "sms_status": "sent",
    "email_status": "sent",
    "date": 1595491154,
    "terms": null,
    "partial_payment": false,
    "gross_amount": 0,
    "tax_amount": 0,
    "taxable_amount": 0,
    "amount": 0,
    "amount_paid": 0,
    "amount_due": 0,
    "currency": "INR",
    "currency_symbol": "₹",
    "description": "12 p.m. Meals",
    "notes": {
        "note_key 1": "Beam me up Scotty",
        "note_key 2": "Tea. Earl Gray. Hot."
    },
    "comment": null,
    "short_url": "https://rzp.io/i/bzDYbNg",
    "view_less": true,
    "billing_start": null,
    "billing_end": null,
    "type": "link",
    "group_taxes_discounts": false,
    "created_at": 1595491154,
    "idempotency_key": null,
    "token": {
        "method": "nach",
        "notes": {
            "note_key 1": "Beam me up Scotty",
            "note_key 2": "Tea. Earl Gray. Hot."
        },
        "recurring_status": null,
        "failure_reason": null,
        "currency": "INR",
        "max_amount": 50000,
        "auth_type": "physical",
        "expire_at": 1947483647,
        "nach": {
            "create_form": true,
            "form_reference1": "Recurring Payment for Gaurav Kumar",
            "form_reference2": "Method Paper NACH",
            "prefilled_form": "https://rzp.io/i/exdIzYN",
            "upload_form_url": "https://rzp.io/i/bzDYbNg",
            "description": "12 p.m. Meals"
        },
        "bank_account": {
            "ifsc": "HDFC0001233",
            "bank_name": "HDFC Bank",
            "name": "Gaurav Kumar",
            "account_number": "11214311215411",
            "account_type": "savings",
            "beneficiary_email": "gaurav.kumar@example.com",
            "beneficiary_mobile": "9123456780"
        },
        "first_payment_amount": 0
    },
    "nach_form_url": "https://rzp.io/i/exdIzYN"
}

Request Parameters

customer : Details of the customer to whom the registration link will be sent. name mandatory : string Customer’s name. email mandatory : string Customer’s email address. contactmandatory : string Customer’s phone number. type mandatory : string In this case, the value is link. currency mandatory : string The 3-letter ISO currency code for the payment. Currently, only INR is supported. amount mandatory : integer The payment amount in the smallest currency sub-unit. 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 In this case, it will be nach. auth_type mandatory : string In this case, it will be physical. bank_account : The customer’s bank account details. beneficiary_name mandatory : string Name on the bank account. For example, Gaurav Kumar. account_number mandatory : integer Customer’s bank account number. For example, 11214311215411. account_type mandatory : string Customer’s bank account type. Possible values:

savings (default)
current

ifsc_code mandatory : string Customer’s bank IFSC. For example, HDFC0000001. 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. max_amount optional : integer Use to set the maximum amount per debit request. Know about maximum and default values. expire_at optional : integer The timestamp, in Unix format, till when you can use the token (authorization on the payment method) to charge the customer subsequent payments. sms_notify optional : boolean Indicates if SMS notifications are to be sent by Razorpay. Can have the following values:

true (default): Notifications are sent by Razorpay.
false: Notifications are not sent by Razorpay.

email_notify optional : boolean Indicates if email notifications are to be sent by Razorpay. Can have the following values:

true (default): Notifications are sent by Razorpay.
false: Notifications are not sent by Razorpay.

expire_by optional : integer The timestamp, in Unix, till when the registration link should be available to the customer to make the authorisation transaction. receipt optional : string A unique identifier entered by you for the order. For example, Receipt No. 1. This parameter should be mapped to the order_id sent by Razorpay. notes optional : object This is a 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”.

1.2.2. Send/Resend Notifications

The following endpoint sends/resends notifications with the short URL to the customer: POST /invoices/:id/notify_by/:medium

Sample Code

 curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
 -X POST https://api.razorpay.com/v1/invoices/inv_1Aa00000000001/notify_by/sms

 RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

 String invoiceId = "inv_1Aa00000000001";

 String medium = "sms";

 Invoice invoice = razorpay.invoices.notifyBy(invoiceId, medium);

 $api = new Api($key_id, $secret);

 $api->invoice->fetch($invoiceId)->notify($medium);

 var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

 instance.invoices.notifyBy(invoiceId, medium)

 client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

 client.invoice.notify_by(invoiceId, medium)

 require "razorpay"
 Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

 invoiceId = "inv_JDdNb4xdf4gxQ7"

 medium = "email" 

 Razorpay::Invoice.notify_by(invoiceId, medium)

 import ( razorpay "github.com/razorpay/razorpay-go" )
 client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

 body, err := client.Invoice.Notify("<invoiceId>", "<medium>", nil, nil)

 RazorpayClient client = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

 string invoiceId = "inv_Z6t7VFTb9xHeOs";

 string medium = "sms";

 Invoice invoice = client.Invoice.Fetch(invoiceId).NotifyBy(medium);

Response

{
  "success": true
}

Path Parameters

idmandatory : 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

1.2.3. Cancel a Registration Link

Use the below endpoint to cancel a registration link. POST /invoices/:id/cancel

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

curl -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET>
-X POST https://api.razorpay.com/v1/invoices/inv_1Aa00000000001/cancel

{
  "id": "inv_FHrZiAubEzDdaq",
  "entity": "invoice",
  "receipt": "Receipt No. 1",
  "invoice_number": "Receipt No. 1",
  "customer_id": "cust_BMB3EwbqnqZ2EI",
  "customer_details": {
    "id": "cust_BMB3EwbqnqZ2EI",
    "name": "Gaurav Kumar",
    "email": "gaurav.kumar@example.com",
    "contact": "9123456780",
    "gstin": null,
    "billing_address": null,
    "shipping_address": null,
    "customer_name": "Gaurav Kumar",
    "customer_email": "gaurav.kumar@example.com",
    "customer_contact": "9123456780"
  },
  "order_id": "order_FHrZiBOkWHZPOp",
  "line_items": [],
  "payment_id": null,
  "status": "cancelled",
  "expire_by": 1647483647,
  "issued_at": 1595491154,
  "paid_at": null,
  "cancelled_at": 1595491339,
  "expired_at": null,
  "sms_status": "sent",
  "email_status": "sent",
  "date": 1595491154,
  "terms": null,
  "partial_payment": false,
  "gross_amount": 0,
  "tax_amount": 0,
  "taxable_amount": 0,
  "amount": 0,
  "amount_paid": 0,
  "amount_due": 0,
  "currency": "INR",
  "currency_symbol": "₹",
  "description": "12 p.m. Meals",
  "notes": {
    "note_key 1": "Beam me up Scotty",
    "note_key 2": "Tea. Earl Gray. Hot."
  },
  "comment": null,
  "short_url": "https://rzp.io/i/bzDYbNg",
  "view_less": true,
  "billing_start": null,
  "billing_end": null,
  "type": "link",
  "group_taxes_discounts": false,
  "created_at": 1595491154,
  "idempotency_key": null,
  "token": {
    "method": "nach",
    "notes": {
      "note_key 1": "Beam me up Scotty",
      "note_key 2": "Tea. Earl Gray. Hot."
    },
    "recurring_status": null,
    "failure_reason": null,
    "currency": "INR",
    "max_amount": 50000,
    "auth_type": "physical",
    "expire_at": 1947483647,
    "nach": {
      "create_form": true,
      "form_reference1": "Recurring Payment for Gaurav Kumar",
      "form_reference2": "Method Paper NACH",
      "prefilled_form": "https://rzp.io/i/tSYd5aV",
      "upload_form_url": "https://rzp.io/i/bzDYbNg",
      "description": "12 p.m. Meals"
    },
    "bank_account": {
      "ifsc": "HDFC0001233",
      "bank_name": "HDFC Bank",
      "name": "Gaurav Kumar",
      "account_number": "11214311215411",
      "account_type": "savings",
      "beneficiary_email": "gaurav.kumar@example.com",
      "beneficiary_mobile": "9123456780"
    },
    "first_payment_amount": 0
  },
  "nach_form_url": "https://rzp.io/i/tSYd5aV"
}

Path Parameter

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

​1.1. Using Razorpay APIs

​1.1.1. Create a Customer

​Request Parameters

​1.1.2. Create an Order

​Request Parameters

​1.1.3. Create an Authorisation Payment

​1.1.3.1 Upload the NACH File via Checkout

​Additional Checkout Fields

​1.1.3.2 Upload the NACH File via API

​Error Reasons

​1.2. Using a Registration Link

​1.2.1. Create a Registration Link

​Request Parameters

​1.2.2. Send/Resend Notifications

​Path Parameters

​1.2.3. Cancel a Registration Link

​Path Parameter

1.1. Using Razorpay APIs

1.1.1. Create a Customer

Request Parameters

1.1.2. Create an Order

Request Parameters

1.1.3. Create an Authorisation Payment

1.1.3.1 Upload the NACH File via Checkout

Additional Checkout Fields

1.1.3.2 Upload the NACH File via API

Error Reasons

1.2. Using a Registration Link

1.2.1. Create a Registration Link

Request Parameters

1.2.2. Send/Resend Notifications

Path Parameters

1.2.3. Cancel a Registration Link

Path Parameter