Create Mandate API for Auto Debit & Subscription Payments | NACH, UPI AutoPay, eMandate India
The Create Mandate API enables businesses to securely collect recurring payments directly from customer bank accounts using NACH, UPI AutoPay, and eMandates. It simplifies subscription billing, EMI collection, and automated debit workflows while ensuring compliance with banking regulations.
AUTOFLOW
Create 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
Seamless Create Mandate Automation
Simplify recurring collections instantly. Set up and manage automated standing instructions with our secure Create Mandate API.
1. Request Initiation
Send mandate details to the customer via API to begin the authorization process through Net Banking or Debit Card.
2. Bank Authentication
The customer authorizes the mandate on the bank's NPCI gateway ensuring 100% security and compliance.
3. Auto-Debit Live
Receive instant confirmation to start automated collections based on your predefined billing schedule.
Empowering SaaS & Fintech
Eliminate manual follow-ups and late payments with a robust recurring payment layer designed for high-growth digital businesses.
Automated Collections
Schedule monthly subscriptions or EMI repayments without requiring manual customer intervention.
Reduce Payment Churn
Minimize drop-offs caused by expired cards or forgotten passwords by linking directly to bank accounts.
Higher Success Rates
Experience superior transaction success rates compared to standard credit/debit card recurring cycles.
NPCI & ONSET Ready
Fully compliant with NACH and Create Mandate guidelines for standardized processing across all banks.
Unified Dashboard
Track mandate status, upcoming debits, and settlement reports in one centralized interface.
Bulk Upload Support
Manage thousands of mandates simultaneously with robust bulk processing and web-hook updates.
Digital Document Vault
Maintain a digital trail of all authorizations for easy auditing and dispute resolution.
Zero Manual Paperwork
Go 100% paperless with e-signatures and instant digital verification for faster onboarding.
Flexible Billing Logic
Configure fixed or variable amount mandates to suit your specific business model requirements.
Advanced Mandate Capabilities
Our Create Mandate API goes beyond basic registration, offering granular control over every step of the recurring lifecycle.
Smart Retries
Intelligently re-attempt failed debits based on bank availability to maximize your collection success rates.
Fraud Prevention
Verify bank account ownership and status before mandate initiation to prevent unauthorized debit attempts.
Real-time Webhooks
Get instant notifications on mandate approval, cancellation, or payment success to keep your ledgers updated.
Where Can You Use Create Mandate API?
Automating recurring payments is essential for modern businesses. Our API powers seamless subscription management and automated collections for high-growth digital enterprises.
Integrate Create Mandate API in Minutes
Launch recurring collections with sub-second latency. Fully documented SDKs for Node.js, PHP, Python, and Java.
curl --request POST \
--url https://api.idspay.in/v3/mandate/create \
--header 'Authorization: Bearer YOUR_API_KEY' \
--header 'Content-Type: application/json' \
--data '{
"customer_id": "CUST_12345",
"amount_limit": 5000,
"frequency": "MONTHLY",
"callback_url": "https://your-site.com/webhook"
}'{
"status": "SUCCESS",
"data": {
"mandate_id": "MND_987654321",
"auth_url": "https://bank-auth.link/...",
"is_paperless": true,
"bank_name": "HDFC Bank",
"expires_at": "2030-12-31",
"verification_mode": "NET_BANKING"
}
}🔐 Key Features of Create Mandate API
Automate your revenue stream with robust digital mandate infrastructure built for compliance, security, and global scale.
Instant Setup
Real-time registration via Net Banking or Debit Card for immediate payment scheduling.
Paperless Onboarding
Eliminate physical forms with secure digital authorizations and e-signature support.
Webhooks & Events
Granular JSON updates on mandate lifecycle events and auto-debit success/failure.
Developer Friendly
Rich documentation to implement automated billing cycles in under 10 minutes.
Secure Compliance
Industry-standard encryption and NPCI/ONSET compliance protecting payment data.
Massive Scalability
High-performance engine built to handle millions of concurrent auto-debit requests.
Enterprise Uptime
99.99% availability ensures your collection engine never misses a scheduled payment.
Multi-Bank Support
Direct integration with all major public and private sector banks across the country.
How Create Mandate API Works
Set up automated recurring payments and manage standing instructions through our secure, paperless digital infrastructure.
Create Mandate
Initiate a mandate request with payment limits and frequency via our secure API endpoint.
Customer Auth
Users securely authorize the recurring deduction through Net Banking, Debit Card, or E-Sign.
Bank Registration
The mandate is registered with the destination bank and clearing house (NPCI) automatically.
Auto-Debit Active
Start collecting recurring payments based on the approved schedule with real-time webhooks.
Streamline Subscription Billing with Create Mandate API
Our Create Mandate API is engineered to help businesses instantly automate collection cycles using digital standing instructions. We bridge the gap between your platform and banking networks to ensure friction-free renewals.
To maximize lifetime value and ensure steady cash flow, businesses require a robust recurring payment layer. Our solution provides deep transaction insights and automated retry logic for SaaS, lending, and insurance.
Whether you are managing monthly subscriptions, loan EMIs, or automated wallet top-ups, this Payment Gateway delivers unmatched success rates and sub-millisecond API performance.
Mandate Success Rate
Latency
Coverage
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 integrating the Create Mandate & Recurring Payments API.
1. What is the Create Mandate API?
The Create Mandate API is a digital payment infrastructure that allows businesses to automate recurring collections. It enables users to provide a one-time standing instruction via Net Banking or Debit Card to authorize future payments without manual intervention.
2. How does a customer authorize a mandate?
Customers can authorize mandates through a secure, paperless flow using their Net Banking credentials or Debit Card (via OTP). For certain enterprise use cases, we also support E-Sign based authorizations.
3. What are the transaction limits for Create Mandates?
Standard Create Mandates via NPCI support limits up to ₹10 Lakhs per transaction, depending on the bank and the specific collection category. You can define a custom "Max Amount" during the mandate creation process.
4. What is the typical lead time for mandate activation?
Digital mandates via API are typically registered and "Live" within T+2 working days. Some banks offer near-instant activation for API-based standing instructions.
5. How do I get notified about payment successes or failures?
Our system sends real-time Webhook notifications (server-to-server callbacks) for every event, including mandate authorization, registration status, and transaction settlement.
6. Is the API compliant with RBI guidelines?
Yes. The API strictly adheres to RBI and NPCI frameworks for Create Mandates and Recurring Payments, including mandatory pre-debit notifications and secure customer authentication protocols.
7. Which banks are supported?
We support over 40+ major Indian banks, including HDFC, ICICI, SBI, Axis, and Kotak. Our coverage extends to most banks live on the NPCI Create Mandate platform.
8. Can I cancel a mandate through the API?
Yes, the API provides a "Cancel Mandate" endpoint. Both the business and the customer (via their bank) have the right to revoke a mandate at any time as per regulation.
9. Do you support retry logic for failed debits?
Yes. If a debit fails due to insufficient funds or temporary bank issues, our system can automatically trigger retries based on your configured smart-retry policy.
10. How do I get started with the sandbox?
Sign up for an IDSPay developer account to access our Sandbox environment. You can simulate the entire authorization and debit flow using test bank credentials before going live.