> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# 1. Create the Authorisation Transaction

> Steps to create an authorisation transaction using the UPI Reserve Pay (SBMD) Custom Checkout APIs.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

UPI Reserve Pay APIs use the single-block, multiple-debit (SBMD) framework to manage scheduled or recurring transactions. With a single customer authorisation, this system allows businesses to block a specific sum from the customer's account. This reserved fund can then be debited automatically multiple times, eliminating the need for further customer approvals and ensuring a smoother, more reliable payment flow.

**Example**

A customer using the Acme Quick commerce app authorises a one-time UPI block of ₹2000 for future purchases. When they place a ₹400 order on Monday and a ₹600 order on Wednesday, both amounts are automatically debited from that reserved fund. The customer never has to enter a PIN at checkout, making their repeat orders completely frictionless.

To create a UPI Reserve Pay mandate:

1. [Create an authorisation transaction](#create-an-authorisation-transaction)
2. [Fetch and manage tokens](/docs/api/payments/recurring-payments/custom/upi-reserve-pay/tokens)
3. [Create a One Time payment](/docs/api/payments/recurring-payments/custom/upi-reserve-pay/one-time-payment)

## Create an Authorisation Transaction

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

1. [Create a Customer](#1-1-create-a-customer)
2. [Create an Order](#1-2-create-an-order)
3. [Create Authorisation Payment](#1-3-create-an-authorisation-payment)

### 1.1 Create a Customer

Razorpay links recurring tokens to customers using a unique identifier generated through the Customer API.

You can create [customers](/docs/api/customers) with basic information such as `email` and `contact` and use them for various Razorpay offerings. The following endpoint creates a customer.

`POST /customers`

<AccordionGroup>
  <Accordion title="Sample Code">
    <CodeGroup>
      ```bash Curl theme={null}
      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."
        }
      }'
      ```

      ```java Java theme={null}
      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);
      ```

      ```python Python theme={null}
      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.'}
          })
      ```

      ```go Go theme={null}
      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)
      ```

      ```php PHP theme={null}
      $api = new Api($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'));
      ```

      ```csharp .NET theme={null}
      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);
      ```

      ```ruby Ruby theme={null}
      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)
      ```

      ```javascript Node.js theme={null}
      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."
        }
      })
      ```

      ```json Response theme={null}
      {
        "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
      }
      ```
    </CodeGroup>
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="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”`.
  </Accordion>
</AccordionGroup>

### 1.2 Create an Order

Use the [Orders API](/docs/api/orders) to create a unique Razorpay `order_id` that is associated with the authorisation transaction for a one time mandate. To create a one-time mandate, pass the value of the `frequency` parameter as `one_time`. The following endpoint creates an order.

`POST /orders`

<CodeGroup>
  ```bash Curl theme={null}
  curl -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET> \
  -X POST https://api.razorpay.com/v1/orders \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 100,
    "currency": "INR",
    "customer_id": "cust_4xbQrmEoA5WJ01",
    "method": "upi",
    "token": {
      "max_amount": 200000,
      "expire_at": 2709971120,
      "frequency": "as_presented",
      "type": "single_block_multiple_debit"
    },
    "receipt": "Receipt No. 1",
    "notes":{
      "note_key_1":"September",
      "note_key_2":"Make it so."
    }
  }'
  ```

  ```java Java theme={null}
  RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

  JSONObject orderRequest = new JSONObject();
  orderRequest.put("amount", 100);
  orderRequest.put("currency", "INR");
  orderRequest.put("customer_id", "cust_4xbQrmEoA5WJ01");
  orderRequest.put("method", "upi");
  orderRequest.put("receipt", "receipt#1");
  JSONObject token = new JSONObject();
  token.put("max_amount","200000"); 
  token.put("expire_at","2709971120");
  token.put("frequency","as_presented");
  token.put("type","single_block_multiple_debit");
  orderRequest.put("token", token);
  JSONObject notes = new JSONObject();
  notes.put("notes_key_1","September");
  notes.put("notes_key_2","Make it so.");
  orderRequest.put("notes", notes);

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

  ```php PHP theme={null}
  $api = new Api($key_id, $secret);

  $api->order->create(array('amount' => 0,'currency' => 'INR','method' => 'upi','customer_id' => 'cust_4xbQrmEoA5WJ01', 'token' => array('max_amount' => 200000, 'expire_at' => 2709971120, 'frequency' => 'as_presented', 'type'=> 'single_block_multiple_debit'),'receipt' => 'Receipt No. 1' ,'notes' => array('notes_key_1' => 'September','notes_key_2' => 'Make it so.')));
  ```

  ```javascript Node.js theme={null}
  var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

  instance.orders.create({
    amount: 0,
    currency: "INR",
    method: "upi",
    customer_id: "cust_1Aa00000000001",
    receipt: "Receipt No. 1",
    notes: {
      notes_key_1: "September",
      notes_key_2: "Make it so."
    },
    token: {
      max_amount: 9999900,
      expire_at: 4102444799,
      frequency: "as_presented",
      type: "single_block_multiple_debit"
    }
  })
  ```

  ```python Python theme={null}
  client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

  client.order.create({
     "amount":0,
     "currency":"INR",
     "method":"upi",
     "customer_id":"cust_1Aa00000000001",
     "receipt":"Receipt No. 1",
     "notes":{
        "notes_key_1":"September",
        "notes_key_2":"Make it so."
     },
     "token":{
        "max_amount":9999900,
        "expire_at":4102444799,
        "frequency": "as_presented",
        "type": "single_block_multiple_debit"
        }
     }
  })
  ```

  ```ruby Ruby theme={null}
  require "razorpay"
  Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

  para_attr = {
    "amount": 0,
    "currency": "INR",
    "method": "upi",
    "customer_id": "cust_1Aa00000000001",
    "receipt": "Receipt No. 1",
    "notes": {
      "notes_key_1": "September",
      "notes_key_2": "Make it so."
    },
    "token": {
      "max_amount": 9999900,
      "expire_at": 4102444799,
      "frequency": "as_presented",
      "type": "single_block_multiple_debit"
    }
  }
  Razorpay.Order.create(para_attr)
  ```

  ```go Go theme={null}
  import ( razorpay "github.com/razorpay/razorpay-go" )
  client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

  data := map[string]interface{}{
     "amount":100,
     "currency":"INR",
     "customer_id":"<customerId>",
     "method":"upi",
     "token":map[string]interface{}{
        "max_amount":5000,
        "expire_at":2709971120,
        "frequency":"as_presented",
        "type": "single_block_multiple_debit"
     },
     "receipt":"Receipt No. 1",
     "notes":map[string]interface{}{
        "notes_key_1":"September",
        "notes_key_2":"Make it so.",
     },
  }
  body, err := client.Order.Create(data, nil)
  ```
</CodeGroup>

<CodeGroup>
  ```json Success Response theme={null}
  {
    "id": "order_1Aa00000000002",
    "entity": "order",
    "amount": 100,
    "amount_paid": 0,
    "amount_due": 100,
    "currency": "INR",
    "receipt": "Receipt No. 1",
    "offer_id": null,
    "status": "created",
    "attempts": 0,
    "notes": {
      "notes_key_1": "September",
      "notes_key_2": "Make it so."
      },
    "created_at": 1565172642
  }
  ```

  ```json Failure Response theme={null}
  {
     "error":{
        "code":"BAD_REQUEST_ERROR",
        "description":"The api key provided is invalid",
        "source":"NA",
        "step":"NA",
        "reason":"NA",
        "metadata":{
           
        }
     }
  }
  ```
</CodeGroup>

<AccordionGroup>
  <Accordion title="Request Parameters">
    `amount` *mandatory*
    : `integer` Amount in currency subunits. The maximum amount that can be blocked is ₹10,000.

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

    `max_amount` *mandatory*
    : `integer` The maximum amount that can be debited is ₹10,000.

    `expire_at` *mandatory*
    : `integer` The Unix timestamp that indicates when the authorisation transaction must expire. The default and the maximum value allowed is 90 days.

    `frequency` *mandatory*
    : `string` The frequency at which you can charge your customer. The value should be `as_presented`.

    `type` *mandatory*
    : `string` Indicates the type of payment. Here, the possible value is `single_block_multiple_debit`.
  </Accordion>
</AccordionGroup>

### 1.3 Create an Authorisation Payment

Create a payment using Razorpay Custom Checkout for customers to complete the Authorisation Transaction and register their mandate. You can use the Handler Function or Callback URL.

| **Handler Function**                                                                                                                                                                                                                              | **Callback 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. |

<Warning>
  **Watch Out!**

  The callback URL is not supported for recurring payments created using the registration link.
</Warning>

<AccordionGroup>
  <Accordion title="UPI Intent">
    UPI Intent is supported on **mWeb (Android)** and **Mobile App (WebView)**. On **Desktop Web**, as UPI Intent is not supported, a QR code is automatically displayed instead.

    If UPI Intent is not enabled on your account, please reach out to the [support team](https://razorpay.com/support).

    | Platform                 | Steps                                                                                                                                                                                                                                                                                                                                                                                                                            |
    | ------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
    | **mWeb**                 | Businesses are redirected to their preferred UPI app to complete the payment. For the complete integration guide, refer to [UPI Intent on Mobile Web](/docs/payments/payment-methods/upi/upi-intent#integrate-on-android-ios-and-mobile-web).                                                                                                                                                                                    |
    | **Mobile App (WebView)** | UPI Intent requires passing `webview_intent: true` in the checkout options and implementing deep link handling in your Android or iOS app. For the complete integration guide, refer to [UPI Intent in WebView — Android](/docs/payments/payment-gateway/web-integration/standard/webview/upi-intent-android) and [UPI Intent in WebView — iOS](/docs/payments/payment-gateway/web-integration/standard/webview/upi-intent-ios). |
    | **Desktop Web**          | UPI Intent is not supported. A QR code is automatically displayed for businesses to scan with their preferred UPI app. No additional code changes are required.                                                                                                                                                                                                                                                                  |

    <CodeGroup>
      ```html Custom Checkout with Handler Function theme={null}
      <button id="btn" style="background-color: #3399cc; color: white; font-size: 16px; font-family: sans-serif">Pay</button>
      <script type="text/javascript" src="https://checkout.razorpay.com/v1/razorpay.js"></script>
      <script>
        const btn = document.querySelector("#btn");
        var razorpay = new Razorpay({
          key: "<YOUR_KEY_ID>",
          image: "https://i.imgur.com/n5tjHFD.jpg"
        });

        var data = {
          "amount": 100,
          "currency": "INR",
          "email": "gaurav.kumar@example.com",
          "contact": "9123456780",
          "order_id": "order_1Aa00000000001",
          "customer_id": "cust_1Aa00000000001",
          "recurring": "1",
          "method": "upi"
        };

        btn.addEventListener("click", function() {
          razorpay.createPayment(data);
          razorpay.on("payment.success", function(resp) {
            alert(resp.razorpay_payment_id);
            alert(resp.razorpay_order_id);
            alert(resp.razorpay_signature);
          });
          razorpay.on("payment.error", function(resp) {
            alert(resp.error.description);
          });
        });
      </script>
      ```

      ```html Custom Checkout with Callback URL theme={null}
      <button id="btn" style="background-color: #3399cc; color: white; font-size: 16px; font-family: sans-serif">Pay</button>
      <script type="text/javascript" src="https://checkout.razorpay.com/v1/razorpay.js"></script>
      <script>
        const btn = document.querySelector("#btn");
        var razorpay = new Razorpay({
          key: "<YOUR_KEY_ID>",
          image: "https://i.imgur.com/n5tjHFD.jpg"
        });

        var data = {
          "callback_url": "https://example-callback-url.com/",
          "amount": 100,
          "currency": "INR",
          "email": "gaurav.kumar@example.com",
          "contact": "9123456780",
          "order_id": "order_1Aa00000000001",
          "customer_id": "cust_1Aa00000000001",
          "recurring": "1",
          "method": "upi"
        };

        btn.addEventListener("click", function() {
          razorpay.createPayment(data);
        });
      </script>
      ```
    </CodeGroup>
  </Accordion>

  <Accordion title="UPI Collect">
    <Warning>
      **Deprecation Notice**

      **UPI Collect is deprecated effective 28 February 2026.** This section is applicable only for exempted businesses. If you are an existing Razorpay user not covered by the exemptions, refer to the [migration documentation](/docs/announcements/upi-collect-migration/recurring-payments/custom-checkout) to switch to UPI Intent.
    </Warning>

    <CodeGroup>
      ```html Custom Checkout with Handler Function theme={null}
      <button id="btn" style="background-color: #3399cc; color: white; font-size: 16px; font-family: sans-serif">Pay</button>
      <script type="text/javascript" src="https://checkout.razorpay.com/v1/razorpay.js"></script>
      <script>
        const btn = document.querySelector("#btn");
        var razorpay = new Razorpay({
          key: "<YOUR_KEY_ID>",
          image: "https://i.imgur.com/n5tjHFD.jpg"
        });

        var data = {
          "amount": 100,
          "currency": "INR",
          "email": "gaurav.kumar@example.com",
          "contact": "9123456780",
          "order_id": "order_1Aa00000000001",
          "customer_id": "cust_1Aa00000000001",
          "recurring": "1",
          "method": "upi",
          "upi": {
            "vpa": "gaurav.kumar@somebank",
            "flow": "collect"
          }
        };

        btn.addEventListener("click", function() {
          razorpay.createPayment(data);
          razorpay.on("payment.success", function(resp) {
            alert(resp.razorpay_payment_id);
            alert(resp.razorpay_order_id);
            alert(resp.razorpay_signature);
          });
          razorpay.on("payment.error", function(resp) {
            alert(resp.error.description);
          });
        });
      </script>
      ```

      ```html Custom Checkout with Callback URL theme={null}
      <button id="btn" style="background-color: #3399cc; color: white; font-size: 16px; font-family: sans-serif">Pay</button>
      <script type="text/javascript" src="https://checkout.razorpay.com/v1/razorpay.js"></script>
      <script>
        const btn = document.querySelector("#btn");
        var razorpay = new Razorpay({
          key: "<YOUR_KEY_ID>",
          image: "https://i.imgur.com/n5tjHFD.jpg"
        });

        var data = {
          "callback_url": "https://example-callback-url.com/",
          "amount": 100,
          "currency": "INR",
          "email": "gaurav.kumar@example.com",
          "contact": "9123456780",
          "order_id": "order_1Aa00000000001",
          "customer_id": "cust_1Aa00000000001",
          "recurring": "1",
          "method": "upi",
          "upi": {
            "vpa": "gaurav.kumar@somebank",
            "flow": "collect"
          }
        };

        btn.addEventListener("click", function() {
          razorpay.createPayment(data);
        });
      </script>
      ```
    </CodeGroup>
  </Accordion>
</AccordionGroup>

#### Additional Checkout Fields

`customer_id` *mandatory*
: `string` Unique identifier of the customer created in the [first step](#111-create-a-customer).

`order_id` *mandatory*
: `string` Unique identifier of the  order created in the [second step](#112-create-an-order).

`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.

#### Error Response Parameters

Given below is a list of possible errors you may face while making the authorisation payment.

<AccordionGroup>
  <Accordion title="bad_request_error">
    * **Description**: Invalid Mandate Sequence Number.
    * **Next Steps**: Retry after some time during the valid cycle.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="bank_account_invalid">
    * **Description**: Payment failed because Account linked to VPA is invalid.
    * **Next Steps**: Create a new mandate with the customer.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="bank_account_validation_failed">
    * **Description**: Payment was unsuccessful as the details are invalid. Please retry with the right details.
    * **Next Steps**: Ask the customer to retry again.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="bank_not_available">
    * **Description**: Payment was unsuccessful as the bank linked to this UPI ID is temporarily unavailable. Any amount deducted will be refunded within 5-7 working days.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="bank_technical_error">
    <AccordionGroup>
      <Accordion title="Bank Temporarily Unavailable">
        * **Description**: Payment was unsuccessful as the bank linked to this UPI ID is temporarily unavailable. Any amount deducted will be refunded within 5-7 working days.
        * **Next Steps**: Retry after some time.
      </Accordion>

      <Accordion title="Temporary Bank Issue">
        * **Description**: Payment was unsuccessful due to a temporary issue at your bank. Any amount deducted will be refunded within 5-7 working days.
        * **Next Steps**: Retry after some time.
      </Accordion>

      <Accordion title="Bank Declined">
        * **Description**: Payment was unsuccessful as it was declined by your bank. Any amount deducted will be refunded within 5-7 working days.
        * **Next Steps**: Retry after some time.
      </Accordion>

      <Accordion title="Bank or Wallet Gateway Error">
        * **Description**: Payment processing failed due to error at bank or wallet gateway.
        * **Next Steps**: Retry after some time.
      </Accordion>

      <Accordion title="General Temporary Issue">
        * **Description**: Payment was unsuccessful due to a temporary issue. Any amount deducted will be refunded within 5-7 working days.
        * **Next Steps**: Retry after some time.
      </Accordion>

      <Accordion title="Bank Services Halt">
        * **Description**: Payment was unsuccessful due to a temporary halt of services at this bank.
        * **Next Steps**: Retry after some time.
      </Accordion>
    </AccordionGroup>
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="credit_to_beneficiary_failed">
    * **Description**: Payment was unsuccessful due to a temporary issue. Any amount deducted will be refunded within 5-7 working days.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="debit_declined">
    * **Description**: Payment was unsuccessful as it was declined by remitter bank.
    * **Next Steps**: Create a new mandate with the customer.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="debit_instrument_blocked">
    * **Description**: Payment was unsuccessful as the account linked to this UPI ID is blocked. Try using another account.
    * **Next Steps**: Create a new mandate with the customer.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="duplicate_mandate_request">
    * **Description**: Duplicate mandate request. Please try again with another mandate request.
    * **Next Steps**: Please try again with another mandate request.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="gateway_technical_error">
    <AccordionGroup>
      <Accordion title="Bank or Wallet Gateway Error">
        * **Description**: Payment processing failed due to error at bank or wallet gateway.
        * **Next Steps**: Retry after some time.
      </Accordion>

      <Accordion title="Temporary Issue with Money Deduction">
        * **Description**: Payment was unsuccessful due to a temporary issue. If money got deducted, reach out to the seller.
        * **Next Steps**: Retry after some time.
      </Accordion>
    </AccordionGroup>
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="incorrect_pin">
    * **Description**: You have entered an incorrect PIN on the UPI app. Please retry with the correct PIN.
    * **Next Steps**: Ask the customer to retry with correct PIN.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="insufficient_funds">
    * **Description**: Transaction failed due to insufficient funds.
    * **Next Steps**: Ask the customer to add balance to their account and retry.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="invalid_request">
    * **Description**: Payment processing failed due to error at bank or wallet gateway.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="invalid_response_from_gateway">
    * **Description**: Payment was unsuccessful due to a temporary issue. Any amount deducted will be refunded within 5-7 working days.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="invalid_transaction_beneficiary">
    * **Description**: Beneficiary address resolution failed. Please try again after some time.
    * **Next Steps**: Please try again after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="invalid_vpa">
    * **Description**: You have entered an incorrect UPI ID. Please retry with the correct UPI ID.
    * **Next Steps**: Ask the customer to retry with a valid VPA.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="issuer_dispatch_failed">
    * **Description**: Payment failed due to some issue at the issuer bank. Please try again after some time.
    * **Next Steps**: Please try again after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="limit_exceeded_remitting_bank">
    * **Description**: Limit exceeded for remitter bank. Please ask customer to try with another bank account.
    * **Next Steps**: Please ask customer to try with another bank account.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="mandate_debit_beyond_psp_amount_cap">
    * **Description**: Debit amount is beyond payer PSP specified amount cap. Please reduce the amount and try again.
    * **Next Steps**: Please reduce the mandate amount to match customer PSP.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="mandate_request_limit_breached">
    * **Description**: Maximum number of mandate creation requests exceeded for customer's bank account. Please wait for some time before initiating new mandate creation requests.
    * **Next Steps**: Please wait for some time before initiating new mandate creation requests.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="mobile_number_invalid">
    * **Description**: Registered Mobile number linked to the account has been changed or removed.
    * **Next Steps**: Create a new mandate with the customer.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="nature_of_debit_not_allowed">
    * **Description**: Nature of debit not allowed in customer's account. Please ask the customer to use a different bank account.
    * **Next Steps**: Please ask the customer to use a different bank account.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="no_financial_address_record_found">
    * **Description**: No financial address record found for this VPA. Please ask customer to try with another bank account.
    * **Next Steps**: Please ask customer to try with other bank account.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="no_original_request_found">
    * **Description**: No mandate details were found in the record during debit. Please try after some time.
    * **Next Steps**: Please try after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="payment_collect_request_expired">
    * **Description**: Payment was unsuccessful as you could not pay with the UPI app within time.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="payment_declined">
    <AccordionGroup>
      <Accordion title="Bank Declined Payment">
        * **Description**: Payment was unsuccessful as it was declined by your bank. Any amount deducted will be refunded within 5-7 working days.
        * **Next Steps**: Ask the customer to retry with other account.
      </Accordion>

      <Accordion title="Customer Declined Payment">
        * **Description**: You have declined the payment request on the UPI app. Please retry when you are ready.
        * **Next Steps**: Ask the customer to approve the payment.
      </Accordion>
    </AccordionGroup>
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="payment_failed">
    * **Description**: Payment was unsuccessful due to a temporary issue. If amount got deducted, it will be refunded within 5-7 working days.
    * **Next Steps**: Retry after 1 hour.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="payment_pending">
    * **Description**: The status of your payment is pending. You can either wait or retry to pay successfully.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="payment_risk_check_failed">
    * **Description**: Payment was unsuccessful as your account does not pass the risk checks done by your bank. Try using another account.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="payment_timed_out">
    * **Description**: Payment was unsuccessful as you could not complete it in time.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="pre_debit_notification_failed">
    * **Description**: Unable to Notify the Customer.
    * **Next Steps**: Retry after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="remitter_dispatch_failed">
    * **Description**: Payment failed due to some issue at the customer's. Please try again after some time.
    * **Next Steps**: Please try again after some time.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="request_timed_out">
    <AccordionGroup>
      <Accordion title="General Timeout - Temporary Issue">
        * **Description**: Payment was unsuccessful due to a temporary issue. Any amount deducted will be refunded within 5-7 working days.
        * **Next Steps**: Retry after some time.
      </Accordion>

      <Accordion title="Timeout - Bank Declined">
        * **Description**: Payment was unsuccessful as it was declined by your bank. Any amount deducted will be refunded within 5-7 working days.
        * **Next Steps**: Retry after some time.
      </Accordion>

      <Accordion title="Timeout - Recurring Payment Creation">
        * **Description**: Payment was unsuccessful as the recurring payment can not be created at this time. Any amount deducted will be refunded within 5-7 working days.
        * **Next Steps**: Retry after some time.
      </Accordion>
    </AccordionGroup>
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="transaction_frequency_limit_exceeded">
    * **Description**: Payment failed. Please try again with another bank account.
    * **Next Steps**: Create a new mandate with the customer.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="transaction_limit_exceeded">
    <AccordionGroup>
      <Accordion title="Amount Limit Exceeded">
        * **Description**: Payment failed because Transaction amount limit has exceeded.
        * **Next Steps**: Reach out to the customer to collect the amount.
      </Accordion>

      <Accordion title="Bank Account Amount Limit">
        * **Description**: Payment was unsuccessful as you exceeded the amount limit on the bank account linked to this UPI ID.
        * **Next Steps**: Ask the customer to retry after some time.
      </Accordion>
    </AccordionGroup>
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="transaction_not_allowed">
    * **Description**: Payment was unsuccessful as it was declined by your bank. Reach out to your bank for more details. Try using another account.
    * **Next Steps**: Create a new mandate with the customer.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="upi_dummy_payment">
    * **Description**: Payment was a dummy payment for one time mandate registration.
    * **Next Steps**: NA
  </Accordion>
</AccordionGroup>