Mandate APIs

Zaakpay UPI AutoPay transforms how you collect payments by enabling automatic, recurring deductions via the Unified Payments Interface (UPI). It functions as a digital "Standing Instruction" authorized by the customer.

Once a customer authenticates a plan (Mandate) using their UPI PIN, merchant can deduct funds for subscriptions, EMIs, or utility bills automatically on scheduled dates, without requiring the customer to be present or enter their PIN again.

This Server-to-Server integration gives complete control over the subscription lifecycle directly from backend system, ensuring a seamless experience for your users and higher retention rates for your business.

How It Works

Create Mandate : You send a request to set up a mandate. The customer approves it once using their UPI PIN.
Update Mandate : Change the amount or extend the validity date if the customer upgrades their plan.
Revoke Mandate : Cancel the mandate immediately if the customer unsubscribes.
Refund : Initiate refunds for any incorrect debits.
Check Transaction Status : Use the Check Transaction API at any time to verify the real-time status of a new Mandate registration or a specific debit transaction to ensure your records match.

Supported Payment Flows

We support three modes to ensure compatibility with your platform (Web or Mobile App):

Mode	Description
UPI Intent	The most seamless experience. Automatically switches the user from merchant's app to their preferred UPI app to approve the mandate.
UPI Collect	Merchant collect the user's VPA (UPI ID). A notification is sent to their phone to approve the mandate.
UPI QR	Generates a dynamic QR code on merchant's website which the user scans using their mobile UPI app.