UPI Mandate Registration APIsNEW

UPI mandate registration can be achieved in two ways.

• In UPI Collect mandate flow. The end user enters the VPA, based on which s/he receives a collect mandate register request notification on the corresponding UPI app. On approving the request, mandate will be registered and auto debit is setup.
• In the UPI Intent mandate flow, an app switch tray is displayed with all the installed UPI apps. The end user must select the preferred UPI app to complete the mandate registration.

#UPI Mandate Collect Flow

1. User Initiates Mandate Creation: User initiates mandate creation on the Merchant Application.
2. Mandate Request to Digio: Merchant Application sends mandate creation request to Digio.
3. Mandate Creation with Acquiring Bank: Digio initiates mandate creation with the Acquiring Bank.
4. Request to UPI Application (NPCI): Acquiring Bank/Payee PSP forwards the mandate creation request to UPI Application (NPCI).
5. Mandate Request to Remitter Bank: UPI Application (NPCI) sends the mandate creation request to the Remitter Bank/Payer PSP.
6. User Confirms Mandate: User verifies mandate details & enters PIN for confirmation in the PSP/UPI-enabled mobile app.
7. Mandate Creation Response to UPI Application: Payer PSP provides mandate creation response to UPI Application (NPCI).
8. Mandate Response to Acquiring Bank: UPI Application (NPCI) sends mandate creation response to Acquirer Bank/Payee PSP.
9. Confirmation to Digio: Acquirer Bank sends confirmation for successful authentication to Digio.
10. Confirmation to Merchant: Digio provides confirmation to the Merchant via webhook.

#UPI Mandate Intent Flow

1. User Initiates Mandate Creation: User initiates mandate creation on the Merchant Application.
2. Mandate Request to Digio: Merchant Application sends mandate creation request to Digio.
3. Mandate Creation with Payer PSP: Digio initiates mandate creation with Payer PSP.
4. Request to UPI Application (NPCI): Payer PSP forwards mandate creation request to UPI Application (NPCI).
5. Verification with Acquirer Bank: UPI Application (NPCI) verifies merchant details with Acquirer Bank/Payee PSP.
6. Confirmation from Acquirer Bank: Acquirer Bank confirms merchant details request with UPI Application (NPCI).
7. Mandate Request to Remitter Bank: UPI Application (NPCI) requests mandate creation from Remitter Bank/Payer PSP.
8. Response from Remitter Bank: Remitter Bank responds with mandate creation request.
9. Mandate Creation Response to Payer PSP: UPI Application (NPCI) sends mandate creation response to Payer PSP.
10. Mandate Response to Acquiring Bank: UPI Application (NPCI) sends mandate creation response to Acquirer Bank/Payee PSP.
11. ACK to UPI Application: Acquirer Bank/Payee PSP sends ACK to UPI Application (NPCI).
12. Confirmation to Digio: Acquirer Bank sends confirmation for successful authentication to Digio.
13. Update to Merchant: Digio updates Merchant Application with successful authentication.