Create Custom Installment API – Flexible EMI Scheduling & Automated Payment Collection
The Create Custom Installment API enables businesses to design flexible repayment schedules for loans, subscriptions, or services. Customize installment amounts, frequency, due dates, and automate collections via bank mandates or payment gateways.
AUTOFLOW
E-Mandate APIMaximum Limit
₹ 25,000/cycle
Frequency
MONTHLY
Start Date
17 APR 2026
Status
ACTIVE
HDFC Bank Ltd.
XXXX XXXX 8821
{
"mandate_id": "EM_4409X",
"type": "ON_DEVICE_AUTH",
"config": {
"max_amount": 25000.00,
"recurrence": "MNTH",
"secure_hash": "AES_GCM_256"
}
}
NPCI_ONBOARDED
Digital India Stack 2026
Create Custom Installment API
Design and deploy tailor-made payment schedules for your customers. Break down large transactions into flexible, automated recurring debits with precision control over dates and amounts.
1. Define Schedule
Configure custom installment dates, varying amounts, and the total tenure required for the specific user repayment plan.
2. Map to Mandate
Link the custom schedule to an active e-Mandate, ensuring all future debits are pre-authorized and compliant.
3. Automated Execution
Our engine automatically triggers the debits based on your custom logic, providing real-time lifecycle updates for every hit.
Flexible Payment Orchestration
Move beyond rigid monthly cycles. The Custom Installment API allows you to build payment structures that match your business model and your customers' cash flows.
Dynamic Amounts
Set different values for each installment, perfect for "Balloon Payments" or stepped-up collection plans.
Irregular Intervals
Schedule debits on specific calendar days or at custom intervals rather than just standard weekly or monthly cycles.
One-Click Setup
Convert a standard mandate into a complex multi-part installment plan via a single API call without user re-authentication.
Grace Period Logic
Incorporate buffer days or holiday logic into your payment schedules to improve collection probability.
Real-time Adjustments
Modify future installment dates or amounts on the fly to accommodate customer requests or rescheduling needs.
Smart Ledgering
Automatically track remaining balances and installment counts, ensuring accurate accounting across the entire tenure.
Instant Webhooks
Receive automated alerts the moment an installment is processed, failed, or rescheduled within the custom plan.
Regulatory Guardrails
The API ensures custom schedules never exceed the maximum mandate amount or end date authorized by the customer.
Bulk Plan Creation
Scale your operations by creating thousands of unique installment profiles simultaneously for various user segments.
Full Schedule Control
Manage the entire lifecycle of your custom payment plans with robust features designed for high-volume financial operations.
Granular Parameters
Define installment-specific metadata to track internal loan IDs or order numbers for easy reconciliation.
Mandate Verification
Every scheduled hit is pre-validated against bank-approved mandate limits to prevent technical declines.
Plan Management
Pause, resume, or cancel entire installment plans instantly via API to adapt to customer lifecycle changes.
Why Use Custom Installment API?
Standard recurring payments don't fit every business model. Use our API to create bespoke repayment structures, offer flexible EMI options, and automate complex billing schedules that adapt to your customer's specific needs.
Create Custom Schedules Instantly
Generate a complex multi-date payment plan with a single API request. Map varying amounts and dates to an existing mandate for automated execution.
curl --request POST
--url https://api.idspay.in/v3/installment/create
--header 'Authorization: Bearer YOUR_API_KEY'
--header 'Content-Type: application/json'
--data '{
"mandate_id": "MND_778899001",
"plan_name": "Quarterly_Service_Plan",
"installments": [
{"date": "2026-05-01", "amount": "2500.00"},
{"date": "2026-08-01", "amount": "2500.00"}
]
}'{
"status": "PLAN_SCHEDULED",
"data": {
"plan_id": "PLN_554433221",
"mandate_id": "MND_778899001",
"total_installments": "2",
"total_amount": "5000.00",
"next_debit_date": "2026-05-01",
"created_at": "2026-04-17 16:54:31"
}
}🔍 Precision of Custom Installment API
Take full control over your recurring revenue. Our API handles the scheduling logic and banking communications, allowing you to focus on building flexible product offerings.
Custom Timelines
Schedule debits on any date within the mandate period, avoiding the limitations of rigid cycles.
Tiered Amounts
Modify the value of each installment to support introductory offers or escalating payment plans.
Pre-Validation
Plans are automatically checked against mandate limits to ensure successful processing and compliance.
Auto-Execution
Once the schedule is created, our engine handles the background triggers without manual oversight.
Queue Management
Monitor and manage a high volume of unique schedules with centralized queue tracking and status updates.
Live Webhooks
Receive instant pings for every debit event, from successful captures to technical failures.
Dynamic Editing
Reschedule upcoming installments or skip a cycle based on customer requests through simple API updates.
Better Experience
Offer payment flexibility that enhances customer loyalty while maintaining consistent automated revenue.
How Custom Installment API Works
Seamlessly orchestrate complex payment schedules by defining specific dates and amounts for automated debit collection through our secure banking infrastructure.
Define Plan
Send a JSON array containing the desired installment dates and amounts to the API to initialize your custom schedule.
Mandate Binding
Our system binds the custom schedule to a pre-authorized e-Mandate, ensuring every future hit is legally compliant.
Smart Execution
The automation engine monitors the calendar and triggers debit requests via NPCI on the exact scheduled dates.
Status Sync
Real-time webhooks notify your system of success or failure, automatically updating the remaining balance of the plan.
Empower Your Business with Dynamic Scheduling through the Custom Installment API
Our Create Custom Installment API is engineered to break the limitations of rigid billing cycles. We provide unparalleled flexibility in how you collect, allowing for custom amounts and irregular frequencies.
To ensure predictable cash flow, businesses need an orchestration layer that handles complex scheduling without the manual overhead. Our solution automates the entire lifecycle of an installment plan.
Whether you are managing a fintech loan repayment, a high-value e-commerce purchase, or specialized service fees, this Scheduling Engine delivers the precision required for modern, user-centric financial products.
Collection Efficiency Rating
Scheduling
Auth
Why IDSPay is Better than Other Mandate APIs?
See how we outperform the industry standards.
Faster Response
Lower latency and faster data retrieval than competitors.
Superior Uptime
More reliable service stability than Eko & API Mall.
Cleaner Docs
Easier to read and implement compared to Digitap.
Affordable Pricing
Cost-effective plans tailored for growing startups.
Dedicated Support
Real human experts ready to help you with any integration hurdles 24/7.
Why We Are The Better Choice
Compare our performance and see why top fintechs trust our infrastructure.
| Feature | 🚀 Our API | Other Providers |
|---|---|---|
| Accuracy |
99.9% (Govt. Direct)
|
~85-90% (Scraped)
|
| Speed |
< 500ms
|
2 - 5 Seconds
|
| Pricing |
Pay-per-use (No Fixed Fee)
|
High Monthly Commitment
|
| Support |
24/7 Priority Support
|
Email-only (48hr TAT)
|
* Based on internal benchmark tests and competitor analysis (April 2026).
Frequently Asked Questions
Common developer queries about the Create Custom Installment API and flexible scheduling workflows.
What is the Create Custom Installment API?
The Create Custom Installment API is a specialized endpoint that allows businesses to define bespoke payment schedules. Unlike fixed recurring cycles, this API enables you to specify exact dates and varying amounts for each future debit within a single plan.
2. Do I need a new mandate for every custom schedule?
No. You can link multiple custom installments to a single active e-Mandate, provided the sum of all installments and the frequency of debits stay within the maximum authorized limits of that mandate.
3. Can I have varying amounts in one installment plan?
Yes, this is a core feature. You can define a plan where the first installment is different from the subsequent ones—ideal for processing a down payment followed by smaller EMIs.
4. What happens if a scheduled installment date falls on a holiday?
Our engine performs banking holiday checks. If a date falls on a non-settlement day, the debit is typically queued for the next business day or processed according to the specific routing bank's logic to ensure compliance.
5. Can I modify or cancel a plan after it has been created?
Yes. You can use the update or cancel endpoints to modify future installment dates and amounts, or to terminate the remaining schedule entirely if the user settles the balance early.
6. Is there a limit to the number of installments in a plan?
The number of installments is limited by the expiry date and the maximum debit frequency of the underlying mandate. As long as the plan fits within the mandate's lifetime, you can schedule dozens of installments.
7. How are failed installments in a custom plan handled?
When an installment fails, you receive a webhook notification. You can then choose to use our Refresh API to retry that specific payment or update the plan to append the failed amount to a future date.
8. Can I schedule installments for multiple mandates in bulk?
Yes, our API supports batch processing, allowing you to upload and schedule unique installment plans for thousands of customers in a single operation.
9. How do I track the progress of a long-term plan?
Each plan has a unique 'plan_id'. You can query this ID to see the status of every scheduled installment, including 'Paid', 'Pending', or 'Failed', along with the remaining balance.
10. Is there an extra cost for creating custom schedules?
Transaction fees are generally applied per successful debit. Creating the schedule itself is typically included in your platform fee, allowing you to design complex financial products without additional overhead.