1. Create the Authorisation Transaction

Available in🇮🇳 India

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:

Create an Authorisation Transaction

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

Create a Customer
Create an Order
Create 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 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”.

1.2 Create an Order

Use the Orders API 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

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."
  }
}'

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);

$api = new Api($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.')));

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"
  }
})

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"
      }
   }
})

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)

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)

{
  "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
}

{
   "error":{
      "code":"BAD_REQUEST_ERROR",
      "description":"The api key provided is invalid",
      "source":"NA",
      "step":"NA",
      "reason":"NA",
      "metadata":{
         
      }
   }
}

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.notesoptional : 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.

1.3 Create an Authorisation Payment

Create a payment checkout form for customers to make 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.

Watch Out!

The callback URL is not supported for recurring payments created using the registration link.
While handling the first time authorisation payment response, consume the error_reason field with value upi_dummy_payment and error_description field with value Payment was a dummy payment for one time mandate registration. to identify successful mandate registration. The parent error_code will be BAD_REQUEST_ERROR.

<button id = "rzp-button1"> Pay </button>
  <script src = "https://checkout.razorpay.com/v1/checkout.js"> </script>
  <script>
    var options = {
      "key": "[YOUR_KEY_ID]",
      "order_id": "order_1Aa00000000001",
      "customer_id": "cust_1Aa00000000001",
      "recurring": true,
      "handler": function (response) {
        alert(response.razorpay_payment_id);
        alert(response.razorpay_order_id);
        alert(response.razorpay_signature);
      },
      "notes":{
          "note_key_1":"September",
          "note_key_2":"Make it so."
      },
      "theme": {
        "color": "#F37254"
      }
    };
    var rzp1 = new Razorpay(options);
    document.getElementById('rzp-button1').onclick = function (e) {
      rzp1.open();
      e.preventDefault();
    }
  </script>

<button id = "rzp-button1"> Pay </button>
  <script src = "https://checkout.razorpay.com/v1/checkout.js"> </script>
  <script>
    var options = {
      "key": "[YOUR_KEY_ID]",
      "order_id": "order_1Aa00000000001",
      "customer_id": "cust_1Aa00000000001",
      "recurring": true,
      "callback_url": "https://eneqd3r9zrjok.x.pipedream.net/",
      "notes":{
          "note_key_1":"September",
          "note_key_2":"Make it so."
      },
      "theme": {
        "color": "#F37254"
      }
    };
    var rzp1 = new Razorpay(options);
    document.getElementById('rzp-button1').onclick = function (e) {
      rzp1.open();
      e.preventDefault();
    }
  </script>

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 : 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.

bad_request_error

Description: Invalid Mandate Sequence Number.
Next Steps: Retry after some time during the valid cycle.

bank_account_invalid

Description: Payment failed because Account linked to VPA is invalid.
Next Steps: Create a new mandate with the customer.

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.

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.

bank_technical_error

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.

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.

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.

Bank or Wallet Gateway Error

Description: Payment processing failed due to error at bank or wallet gateway.
Next Steps: Retry after some time.

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.

Bank Services Halt

Description: Payment was unsuccessful due to a temporary halt of services at this bank.
Next Steps: Retry after some time.

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.

debit_declined

Description: Payment was unsuccessful as it was declined by remitter bank.
Next Steps: Create a new mandate with the customer.

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.

duplicate_mandate_request

Description: Duplicate mandate request. Please try again with another mandate request.
Next Steps: Please try again with another mandate request.

gateway_technical_error

Bank or Wallet Gateway Error

Description: Payment processing failed due to error at bank or wallet gateway.
Next Steps: Retry after some time.

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.

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.

insufficient_funds

Description: Transaction failed due to insufficient funds.
Next Steps: Ask the customer to add balance to their account and retry.

invalid_request

Description: Payment processing failed due to error at bank or wallet gateway.
Next Steps: Retry after some time.

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.

invalid_transaction_beneficiary

Description: Beneficiary address resolution failed. Please try again after some time.
Next Steps: Please try again after some time.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

payment_declined

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.

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.

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.

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.

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.

payment_timed_out

Description: Payment was unsuccessful as you could not complete it in time.
Next Steps: Retry after some time.

pre_debit_notification_failed

Description: Unable to Notify the Customer.
Next Steps: Retry after some time.

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.

request_timed_out

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.

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.

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.

transaction_frequency_limit_exceeded

Description: Payment failed. Please try again with another bank account.
Next Steps: Create a new mandate with the customer.

transaction_limit_exceeded

Amount Limit Exceeded

Description: Payment failed because Transaction amount limit has exceeded.
Next Steps: Reach out to the customer to collect the amount.

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.

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.

upi_dummy_payment

Description: Payment was a dummy payment for one time mandate registration.
Next Steps: NA

​Create an Authorisation Transaction

​1.1 Create a Customer

​1.2 Create an Order

​1.3 Create an Authorisation Payment

​Additional Checkout Fields

​Error Response Parameters