Get Mandate API – Fetch Real-Time eMandate & UPI Autopay Details
The Get Mandate API allows businesses to securely retrieve mandate details including status, frequency, debit amount, payer information, and authorization status for UPI AutoPay and eMandates. It enables seamless tracking of recurring payment instructions for loans, subscriptions, SIPs, and more — ensuring transparency, automation, and compliance.
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
Get Mandate API
Retrieve comprehensive details of existing recurring payment instructions. Gain instant visibility into mandate status, registration details, and bank-level authorization data.
1. Status Inquiry
Send a request using the Mandate ID or UMRN to fetch the current standing of the payment instruction from the system.
2. Data Retrieval
Our API synchronizes with NPCI and partner banks to pull the latest metadata, including limits and validity periods.
3. Detailed Response
Receive a structured JSON response containing customer info, mandate state, and historical registration timestamps.
Complete Lifecycle Insights
Monitor your recurring revenue pipeline with precision. The Get Mandate API provides the transparency needed to manage customer subscriptions effectively.
Real-time Verification
Instantly verify if a mandate is 'Active', 'Pending', or 'Expired' before attempting a payment collection.
Limit Monitoring
Access the maximum debit amount authorized by the customer to ensure transaction compliance.
UMRN Tracking
Retrieve the Unique Mandate Reference Number assigned by NPCI for official audit and tracking purposes.
Frequency Validation
Confirm the payment frequency (Monthly, Quarterly, Adhoc) to align your billing cycles with the authorized instruction.
Customer Metadata
Fetch masked bank account details and IFSC codes associated with the mandate for internal reconciliation.
Expiration Alerts
Check the 'End Date' of mandates to proactively reach out to customers for mandate renewal or migration.
Audit Ready Logs
Maintain a clear record of mandate parameters for regulatory reporting and internal financial audits.
Enhanced Success Rates
Filter out inactive or failed mandates before processing debits, significantly reducing bounce rates and fees.
Multi-Bank Lookup
Unified interface to query mandate details across all supported banks and payment aggregators.
Powerful Query Capabilities
Our Get Mandate API offers the granular data required to maintain a healthy and transparent recurring payment ecosystem.
Detailed Schema
Get access to extensive data points including creation date, last updated status, and recurring amount limits.
Secure Retrieval
Fetch sensitive mandate information over encrypted channels with robust authentication and access controls.
History Tracking
Review the evolution of a mandate status from the initial authorization attempt to its current standing.
Why Use Get Mandate API?
Gaining real-time visibility into payment authorizations is essential for operational excellence. Use the Get API to fetch precise mandate statuses and ensure your billing engine is always synchronized with the bank.
Fetch Mandate Details in Real-Time
Retrieve detailed authorization objects with a simple GET request. Access registration metadata and bank-confirmed status codes instantly.
curl --request GET
--url https://api.idspay.in/v3/mandate/fetch
--header 'Authorization: Bearer YOUR_API_KEY'
--header 'Content-Type: application/json'
--data '{
"mandate_id": "MND_987654321"
}'{
"status": "SUCCESS",
"data": {
"mandate_id": "MND_987654321",
"current_status": "ACTIVE",
"umrn": "HSBC0000000000123456",
"max_amount": "5000.00",
"frequency": "MONTHLY",
"created_at": "2026-04-10 10:20:00"
}
}🔍 Precision of Get Mandate API
Empower your finance team with deep insights into every authorization. Validate customer standing and recurring limits before every debit cycle.
Live Status
Fetch the most recent status directly from the NPCI/Bank gateway for total certainty.
UMRN Retrieval
Access the Unique Mandate Reference Number required for processing and disputes.
Permission Audit
Verify exactly what the customer consented to regarding amounts and dates.
Pre-debit Validation
Integrate status checks into automated workflows to prevent failed debit attempts.
Cycle Tracking
Monitor mandate progress and identify instructions nearing their expiry date.
Metadata Access
Retrieve account masking, IFSC codes, and registration timestamps for records.
State Mapping
Understand complex mandate states (Initialized, Approved, Rejected) with ease.
Unified Response
Get standardized data regardless of the underlying bank or gateway protocol.
How Get Mandate API Works
Execute a real-time data sync with banking networks to retrieve the most current status and metadata of recurring payment instructions.
Query Request
Submit the specific Mandate ID or UMRN to our status endpoint to trigger a global registry lookup.
Network Sync
Our API communicates with NPCI and destination banks to pull live authorization details and current state data.
Data Retrieval
The system collects bank-level confirmation, validity dates, and amount limits into a structured format.
Instant Visibility
Receive a comprehensive response to update your dashboard, ensuring your collection logic is perfectly aligned.
Gain Absolute Billing Transparency with Get Mandate API
Our Get Mandate API is engineered to eliminate the guesswork in recurring billing by providing instant status verification. We ensure you have a clear window into every customer authorization.
To ensure zero collection failures, businesses need a reliable data layer that tracks mandate health in real-time. Our solution provides direct status lookups and metadata retrieval for high-performance fintech platforms.
Whether you are validating limits before a debit, auditing active registrations, or monitoring lifecycle transitions, this Insight Engine delivers the data integrity required for secure and scalable payment ecosystems.
Status Retrieval Accuracy Rate
Latency
Reliability
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 Get Mandate API and status inquiry workflows.
1. What is the Get Mandate API?
The Get Mandate API is a retrieval endpoint that provides real-time information about a recurring payment instruction. It fetches the current lifecycle state, amount limits, and registration metadata directly from the banking gateway.
2. When should I call the Get API?
You should call this API before initiating a debit to ensure the mandate is still 'Active', when a customer queries their subscription status, or to reconcile your internal database with the bank's records.
3. Can I fetch details using only the UMRN?
Yes. The Get API supports data retrieval using either your merchant-assigned Mandate ID or the bank-issued Unique Mandate Reference Number (UMRN), facilitating cross-system lookups.
4. Does the API show the maximum authorized amount?
Yes, the API response includes the 'max_amount' parameter, which confirms the upper limit the customer has authorized for any single recurring transaction.
5. What does the 'Pending' status mean?
A 'Pending' status indicates that the mandate registration is currently being reviewed by the customer's bank. You cannot initiate debits until this status changes to 'Active'.
6. How often can I query the Get Mandate API?
The API is designed for high-frequency use. However, rate limits may apply based on your integration tier. It is recommended to cache the status and only re-query before critical payment operations.
7. Will the API show the mandate's expiry date?
Yes. The response object contains both the start and end dates of the mandate, allowing you to track when an authorization is due to lapse.
8. Can I see the bank account details via this API?
For security and compliance, the API returns masked account numbers and the associated IFSC code to help identify the source bank without compromising sensitive user data.
9. Does it return the reason for a 'Rejected' mandate?
Yes. If a mandate has been rejected by the bank, the API provides a specific error code or description (e.g., 'Insufficient Funds' or 'Account Blocked') to help you troubleshoot with the customer.
10. Can I track the history of status changes?
The core Get Mandate API provides the current state. For full lifecycle logs including timestamps of every status transition, you should consult the 'History' object within the detailed response.