> ## 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.

# Recurring Payments APIs for Paper NACH

> List of Recurring Payments APIs available for Paper NACH.

<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>

You can use the Recurring Payments APIs to perform various actions using Paper NACH as a payment method.

## API-wise Integration Checklist for Paper NACH

### Paper NACH Registration using Standard Checkout

* Enable webhooks to check the status of the [token](/docs/api/payments/recurring-payments/webhooks#check-token-status-using-webhooks) and [payments](/docs/api/payments/recurring-payments/webhooks#check-payment-status-using-webhooks).
* We recommend that you create a single customer id rather than multiple customer ids for the same customer. If their details change, you can use the [Edit Customer Details](/docs/api/customers/edit) API. Duplicate validation is done based on email id and phone number.
* Use the `fail_existing : "1"` parameter while [creating a customer](/docs/api/payments/recurring-payments/paper-nach/create-authorization-transaction#1-1-1-create-a-customer). This helps reduce the number of customer id being created multiple times and will help in your reconciliation process.
* Use the [Payments Downtime](/docs/api/payments/downtime) API to check for any ongoing downtimes that might affect the NACH registration.
* Ensure to pass the below parameters while creating an order:
  1. `currency` as `INR`.
  2. `amount` as `0`.
  3. `description` of the link.
  4. `method` as `nach`.
  5. Token details such as:
     * `auth_type` as `physical`
     * Bank account details such as `account_number`, `ifsc_code` and `beneficiary_name`.
     * Any additional information to be printed on the NACH form that your customer will sign.
* For the custom checkout flow to upload the NACH form, you can use the [Upload the NACH File via Checkout](/docs/api/payments/downtime) custom API.
* To create an authorisation payment, download the Paper NACH form and send it to customers.
  * The image should be in jpeg, jpg and png formats.
  * The maximum file size is 6 MB.
  * You can either ask customers to fill the form and upload it using the [Upload via Checkout](/docs/api/payments/recurring-payments/paper-nach/create-authorization-transaction#1-1-3-1-upload-the-nach-file-via-checkout) API or upload the received form using the [create NACH File](/docs/api/payments/recurring-payments/paper-nach/create-authorization-transaction#1-1-3-2-upload-the-nach-file-via-api) API.
  * Ensure you pass the mandatory parameters, such as `"recurring": "1"`.
* After the authorisation payment is made, we request you to verify the payment signature at your backend.
* To check the status of the token id use the [Fetch Token](/docs/api/payments/recurring-payments/emandate/tokens) API.
* You can use the [Fetch a Payment](/docs/api/payments/fetch-with-id) API to know the status of the payment.

### Paper NACH Registration using a Registration Link

* Enable webhooks to check the status of the [token](/docs/api/payments/recurring-payments/webhooks#check-token-status-using-webhooks) and [payments](/docs/api/payments/recurring-payments/webhooks#check-payment-status-using-webhooks) and the [registration link](/docs/api/payments/recurring-payments/webhooks#check-registration-link-status-using-webhooks) using APIs.
* Ensure to pass the below parameters while creating a registration link using the API:
  1. Customer details such as `name`, `email` and `contact`.
  2. `sms_notify` and `email_notify` as `true` to send notifications to customers.
  3. `amount` as `0` and `type` as `link`.
  4. `description` of the link.
* To check the status of the token id use the [Fetch Token](/docs/api/payments/recurring-payments/emandate/tokens) API.
* The following table indicates the time required to update the token status from the `initiated` state to the `confirmed` state for the physical mandates.

| Method     | Bank      | TAT Guidelines                                                                     |
| ---------- | --------- | ---------------------------------------------------------------------------------- |
| Paper NACH | All Banks | Up to ₹ 5,00,000, T+5 working days.<br /> More than ₹ 5,00,000, T+10 working days. |

### Create Subsequent Payments

* Ensure the amount does not exceed the max amount set while [creating an order](/docs/api/payments/recurring-payments/paper-nach/create-authorization-transaction#1-1-2-create-an-order).
* Ensure the `token_id` passed is for the linked `customer_id` while creating a recurring payment.
* Use [webhook](/docs/payments/recurring-payments/subscribe-to-webhooks) to get real-time updates of payment.

## List of Recurring Payments APIs

The table below lists the various Recurring Payments APIs available for Paper NACH and gives a brief description of each API:

| API                                                                                                                                                                         | Description                                                         |
| --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------- |
| [Create Authorisation Transaction using Checkout](/docs/api/payments/recurring-payments/paper-nach/create-authorization-transaction#1-1-using-razorpay-standard-checkout)   | API to create an authorisation transaction using Razorpay Checkout. |
| [Create Authorisation Transaction using Registration Link](/docs/api/payments/recurring-payments/paper-nach/create-authorization-transaction#1-2-using-a-registration-link) | API to create an authorisation transaction using Registration Link. |
| [Fetch Tokens using Order id](/docs/api/payments/recurring-payments/paper-nach/tokens#2-1-fetch-payment-id-using-order-id)                                                  | API to fetch tokens using the Order id.                             |
| [Fetch Tokens using Payment id](/docs/api/payments/recurring-payments/paper-nach/tokens#2-2-fetch-token-by-payment-id)                                                      | API to fetch tokens using the Payment id.                           |
| [Fetch Tokens using Customer id](/docs/api/payments/recurring-payments/paper-nach/tokens#2-3-fetch-tokens-by-customer-id)                                                   | API to fetch tokens using the Customer id.                          |
| [Delete Tokens](/docs/api/payments/recurring-payments/paper-nach/tokens#2-4-delete-tokens)                                                                                  | API to delete tokens.                                               |
| [Create Subsequent Payments](/docs/api/payments/recurring-payments/paper-nach/create-subsequent-payments)                                                                   | API to create subsequent payments.                                  |

### Registration and Charge First Payment Together

| API                                                                                                                                   | Description                                 |
| ------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------- |
| [Create Authorisation Transaction](/docs/api/payments/recurring-payments/paper-nach/auto-debit#1-create-an-authorization-transaction) | API to create an authorisation transaction. |
| [Fetch Tokens using Payment id](/docs/api/payments/recurring-payments/paper-nach/auto-debit#2-1-fetch-token-by-payment-id)            | API to fetch tokens using the Payment id.   |
| [Fetch Tokens using Customer id](/docs/api/payments/recurring-payments/paper-nach/auto-debit#2-2-fetch-tokens-by-customer-id)         | API to fetch tokens using the Customer id.  |
| [Delete Tokens](/docs/api/payments/recurring-payments/paper-nach/auto-debit#2-3-delete-tokens)                                        | API to delete tokens.                       |
| [Create Subsequent Payments](/docs/api/payments/recurring-payments/paper-nach/auto-debit#3-create-subsequent-payments)                | API to create subsequent payments.          |

### Related Information

* [Integrate Recurring Payments Using Paper NACH](/docs/payments/recurring-payments/paper-nach/integrate)
