Requesting a Recurring Payment

Before each recurring payment, you must send a pre‑debit notification to the customer. This ensures they are informed and prepared for the upcoming charge, and it is required by NPCI/RBI regulations.

Important: The subscription payment can only proceed once the pre-debit notification has been successfully sent and a mandatory wait period of at-least 24 hours has been completed

Requirements

• API credentials - Ensure you have your EBANX integration key. If not, complete the Merchant Signup Form.
• Familiarity with EBANX Direct - This setup follows the same general structure as other payment methods, with a few unique parameters. See EBANX Direct for more info.

Instructions

To request a recurring payment, follow the steps below.

1. Request UPI Autopay recurring payment

   
   
   

   Requesting a recurring payment with UPI Autopay is very straightforward. It follows the usual standards of /ws/direct payment requests, with the addition of specific parameters related to the enrollment.

   These parameters link the payment to the corresponding enrollment, ensuring that the recurring payment is properly processed.

   Check the fields below:

   Parameter	Requirements	Description
   integration_key	Required	Your EBANX integration key.
   payment.name	Required	Full name of the payer.
   payment.email	Required	Customer email.
   payment.phone_number	Required	Customer contact number.
   payment.country	Required	Two-letter country code. Set to IN for India.
   payment.merchant_payment_code	Required	Unique code for the payment.
   payment.currency_code	Required	Set to INR.
   payment.amount_total	Required	Payment amount.
   payment.address	Required	Customer address (Max characters: 100).
   payment.street_number	Required	Customer street/Landmark information (Max characters: 30).
   payment.city	Required	Customer City (Max characters: 80).
   payment.state	Required	Customer state (Characters: 2-80).(Either state abbreviation or full name, ex: “DL” or “Delhi”. State List (https://docs.ebanx.com/docs/resources/country-state-codes/) for reference).
   payment.zipcode	Required	Postal code. Must be a 6-digit number (Characters: 6).
   payment.enrollment.merchant_enrollment_code	Required	Unique identifier associated with the enrollment.

   Check the example:

   curl -X POST \
   --location 'https://sandbox.ebanx.com/ws/direct' \
   --header 'Content-Type: application/json' \
   --data '{
       "integration_key": "{{integration_key}}",
       "payment": {
           "name": "John Doe",
           "email": "email@example.com",
           "country": "IN",
           "phone_number": "0987654321",
           "zipcode": "100200",
           "address": "a street",
           "street_number": "100",
           "street_complement": "Koramangala",
           "city": "Bangalore",
           "state": "MH",
           "payment_type_code": "upi-collect-autopay",
           "merchant_payment_code": "{{unique_payment_code}}",
           "currency_code": "INR",
           "amount_total": 1000,
           "enrollment": {
               "merchant_enrollment_code": "{{unique_enrollment_code}}",
           }
       }
   }'

   Important : Please pass us the unique merchant_enrollment_code associated with the enrollment for which the subsequent charge is requested . A successful request will return a JSON response like the one below. The UPI Autopay payment will have a pending (PE) status and will be confirmed later by the customer's bank.

   {
     "payment": {
       "hash": "66a22a492540fe35c3d6479aa88551d844ea66de7c193bd1",
       "country": "IN",
       "merchant_payment_code": "{{unique_payment_code}}",
       "status": "PE",
       "open_date": "2025-08-02 13:00:00",
       "amount_br": "1000.00",
       "amount_ext": "1000.00",
       "amount_iof": "0.00",
       "currency_rate": "1.0000",
       "currency_ext": "INR",
       "due_date": "2024-07-28",
       "instalments": "1",
       "payment_type_code": "upi-collect-autopay",
       "customer": {
         "email": "email@example.com",
         "name": "John Doe"
       },
     },
     "status": "SUCCESS"
   }

   note

   Recurring payment failure: In case a recurring payment fails, the output action differs depending on the enrollment frequency set

   a. For Periodic Enrollments (e.g., monthly, weekly):

   • Step 1: The merchant must initiate a one-time UPI payment request to recover the failed recurring charge.
   • Step 2: The next scheduled recurring payment can continue as usual under the same enrollment — no need to re-enroll the customer.

   b. For On-Demand Enrollments (ondemand): The merchant must restart the debit cycle:

   • Step 1 : Send a recurring payment request again (ws/direct)
   • Step 2 : Ebanx will send PDN and wait for 24 hours to execute payment

2. Monitor payment for status changes

   Notifications

   • EBANX will send a notification whenever a payment status changes.

   • Make sure your system is set up to receive notifications from EBANX for any changes in payment status.

   • Learn more about Payment Notificationschevron_right

   Status

   • After receiving a notification that status has changed, retrieve the payment status.

   • When a payment is confirmed, the status will change from pending (PE) to confirmed (CO).

   • Learn more about Retrieving Payment Statuschevron_right

3. Congratulations!

   You have succesfully integrated UPI Autopay Recurring Payment.

   Now, for each new billing cycle, simply repeat these steps!

   For more information, refer to the

   Direct API reference guidechevron_right

tip

The recurring debit logic has to be maintained on your end, EBANX does not control the frequency of the deductions.

Still need help?

We hope this article was helpful. If you still have questions, you can explore the following options:

• Merchant support: Contact our support team at integration@ebanx.com for assistance.
• Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.