Integrate Recurring Payments Using Cards

Recurring Payment integration involves the following steps:

1. Register Card Mandate

Mandate registration is a process of creating a payment checkout form for customers to make Authorisation Transaction and register their card mandate. A token will be generated once a customer makes this transaction.

Using this authorisation transaction, we can authenticate the customer's card mandate and ensure that we can charge them recurring payments. The authorisation transaction can be created using the following methods:

Following is the authorisation transaction flow for Razorpay Curlec Standard Checkout method.

To create checkout form for customers to complete authorisation transaction using the Razorpay Curlec Standard Checkout method:

Watch Out!

The authorisation transaction using Standard Checkout can be created only using Razorpay Curlec APIs.

Create a customer

This returns a customer_id.
Create an order

This returns an order_id. The order must be created for:
Create authorisation transaction

Pass the customer_id, order_id and a few additional parameters in your checkout to create the authorisation payment. The customer completes the authorisation payment, which generates a token.

Authorisation Payment Statuses

Once the customer has made the Authorisation Payment, it moves through the following states as per the

payment flow

2. Fetch Card Mandate Registration Details

This is a process of fetching the token that contains the registration details of the customer and checking its status.

A token represents a mandate registration and is generated after the authorisation transaction is successfully captured. A token contains customer's payment details stored by Razorpay Curlec and is used to create a recurring payment.

Handy Tips

For simplicity, tokens are considered to be mandates. Hence, the status of the token determines the status of the mandate registration.

You can search for the tokens using:

Token Statuses

As the authorisation transaction moves through its different states, the token that is generated also undergoes state changes. Following is the life cycle of a token:

3. Charge Customers

This is the process of charging customers the actual subsequent amount using the fetched token and customer details.

Handy Tips

Subsequent payments can be charged without the need of any intervention from the customer. However, subsequent payments need to be created manually by you.
Once a token goes to the confirmed state, you can start creating recurring payments for the customer as per your business requirements.

You can create subsequent payments using Dashboard or APIs.

To create subsequent payments using the Dashboard:

Search for the token and check its status

After the authorisation transaction is complete, a token is generated. You can use the search feature on the Dashboard to find the required token and check its status.
Charge the token

After you have found the required confirmed token, you can create a subsequent payment by charging the token according to your business needs.

Order is Created Automatically

While creating a subsequent charge using the Dashboard, Razorpay Curlec automatically creates an order for you when you charge a token. There is no need to create an order separately.