Api

Payments

Recurring Payments

Custom

Paper Nach

Create Authorization Transaction

1. Create the Authorization Transaction

Learn how to create an authorization transaction with method NACH so customers can set up authorization by signing a physical NACH form.

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

  1. Create a customer.

  2. 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.

  3. 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).

  4. 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 authorization 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 authorization transaction:

1.1. Using Razorpay APIs🔗

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

  1. Create a Customer.
  2. Create an Order.
  3. Create Authorization Payment using Razorpay APIs.

Handy Tips
For the Authorization Payment to be successful in a day (Example: 5th June), you should create an Order and the Authorization Transaction on the same day (5th June) before 11:59 pm.

1.1.1. Create a Customer🔗

Razorpay links recurring tokens to customers via a unique identifier. This unique identifier for the customer is generated using the Customer API.

You can create customers with basic details such as email and contact and use them for various Razorpay offerings. Know more about Customers.

You can create a customer using the below endpoint.

/customers

Once a customer is created, you can create an order for the authorization of the payment.

Request Parameters🔗

name mandatory
string The customer's name. For example, Gaurav Kumar.
email optional
string The customer's email address. For example, gaurav.kumar@example.com.
contact optional
string The customer's phone number. For example, 9876543210.
fail_existing optional
string If a customer with the same details already exists, the request throws an exception by default. You can pass an additional parameter fail_existing to get the details of the existing customer in the response. Possible values:
  • 0 - fetch details of existing customer
  • 1 - throw the exception error (default)
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🔗

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. The value can range from 500 - 1000000000 (1cr, default value).

expire_at optional

integer Timestamp, in Unix, that specifies when the registration link should expire. The value can range from the current date to 01-19-2038 (2147483647).

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 Authorization Payment🔗

Follow these steps to create authorization transaction:

  1. Download the Paper NACH form and send it to the customers.
  2. 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.
  3. 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.

Additional Checkout Fields🔗

The following additional parameters must be sent along with the existing checkout options as part of the authorization transaction.

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
integer. In this case, the value has to be 1.

1.1.3.2 Upload the NACH File via API🔗

Feature Request:
This 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.

/payments/create/nach/file

Error Reasons🔗

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

1.2. Using a Registration Link🔗

Registration Links are an alternate way of creating an authorization transaction. If you create a registration link, you need not create a customer or an order.

When you create a registration link, an invoice is automatically issued to the customer. The customer can use the invoice to make the Authorization Payment.

Learn how to create Registration Links using the Razorpay Dashboard.

Handy Tips
You can use Webhooks to get notifications about successful payments against a registration link.

In the case of Paper NACH, the order amount must be 0.

Use the below endpoint to create a registration link for recurring payments.

/subscription_registration/auth_links

Download and Upload the Pre-filled NACH Form:
Once the registration link is created, the generated pre-filled form must be downloaded, signed by your customer and uploaded back to Razorpay to complete the transaction.

  • The hosted page has a Download NACH Form option from where the customer can download the pre-filled form.
  • Once downloaded, the customer has to sign the form.
  • The signed form can then be uploaded to Razorpay using the Upload NACH Form option on the hosted page.

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 authorization 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. The value can range from 500 - 1000000000. Defaults to 1cr.

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:

  • 0 - Notifications are not sent by Razorpay.
  • 1 - Notifications are sent by Razorpay(default value).
email_notify optional

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

  • 0 - Notifications are not sent by Razorpay.
  • 1 - Notifications are sent by Razorpay (default value).
expire_by optional

integer The timestamp, in Unix, till when the registration link should be available to the customer to make the authorization 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🔗

Use the below endpoint to send/resend notifications with the short URL to the customer:

/invoices/:id/notify_by/:medium

Allowed values for medium path parameter is sms and email.

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 by which you would like to resend the notification. Possible values are
  • sms
  • email

Use the below endpoint to cancel a registration link.

/invoices/:id/cancel

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

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.
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