Paper NACH Registration using Standard Checkout🔗

• Enable webhooks to check the status of the token and payments.
• 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 API. Duplicate validation is done based on email ID and phone number.
• Use the fail_existing : 1 parameter while creating a customer. This helps reduce the number of customer IDs being created multiple times and will help in your reconciliation process.
• Use the 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 custom API.
• To create an authorization 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 API or upload the received form using the create NACH File API.
  • Ensure you pass the mandatory parameters, such as "recurring": "1".
• After the authorization 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 API.
• You can use the Fetch a Payment API to know the status of the payment.

Paper NACH Registration using a Registration Link🔗

• Enable webhooks to check the status of the token and payments and the registration link 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 1 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 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.

Create Subsequent Payments🔗

• Ensure the amount does not exceed the max amount set while creating an order.
• Ensure the token_id passed is for the linked customer_id while creating a recurring payment.
• Use webhook to get real-time updates of payment.

Registration and Charge First Payment Together🔗