Integrate Recurring Payments Using Paper NACH

Prerequisites

• Raise a request with our

  Support team

  to get Recurring Payments (NACH) activated on your account you are trying to integrate.
• Check if the NACH is enabled using the

  Fetch Methods

  API.

NACH Mandate Registration

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

Using this authorization transaction, we can authenticate the customer's NACH mandate and ensure that we can charge them recurring payments.

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 the Standard Checkout page.
   • 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.

The authorization transaction can be created using the following methods:

• Razorpay Standard Checkout

  .

• Registration Link

  .

Using Razorpay Standard Checkout

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

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

1. Create a customer
   
   This returns a customer_id.
2. Create an order
   
   This returns an order_id.
3. Create authorisation transaction
   
   Pass the customer_id, order_id and a few additional parameters in your checkout to create the authorization payment. The customer completes the authorization payment, which generates a token.

Using a Registration Link

Registration Links are securely generated web addresses that allow your customers to complete the authorization transaction. Registration links can be sent via SMS or email.

Following is the authorisation transaction flow for Razorpay registration link method:

For customers to complete the authorization transaction via a registration link, you should Create a registration link and send it to your customer.

You can create a Registration Link using:

• APIs

• Dashboard

The customer completes the authorisation payment, which generates a token.

Registration Link Statuses

A registration link moves through the following states during its life cycle:

Authorization Payment Statuses

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

Fetch NACH 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 and is used to create a recurring payment.

You can search for the tokens using the following:

• APIs

• Dashboard

• Webhooks

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:

Know more about the turnaround time (TAT) for NACH from the

Charge Customers

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

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

• APIs

Using the Dashboard

To create subsequent payments using the Razorpay Dashboard:

1. 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 Razorpay Dashboard to find the required token and check its status.
2. 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.

Using APIs

To create subsequent payments using APIs:

1. Create a new Order
   .
   Like any other payment, each subsequent payment is tied to a unique order id. Associating a payment with an order id makes it easier to query Razorpay systems and handle multiple payment attempts and, allows automatic capturing of payments.
2. Create a Payment
   .
   Once the order is created, you can create a payment for it.
   After our system validates the payment along with token_id, a razorpay_payment_id is returned. In some cases, the payment entity returned is in the created state and may take 1 working day for confirmation.

Related Information

• Paper NACH APIs