Standing Instruction Registration

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During registration, the merchant uses the information provided by the cardholder to register with the issuer for SI transactions through RuPay. During registration, the cardholder is authenticated. Once the cardholder is authenticated, subsequent transactions do not require authentication. After registration, authentication is only required again when the billing agreement is modified or cancelled (deregistered). The registration can occur at two different times:
  • Before any SI transactions start: Cardholder sets up the SI transaction to start at a future time, often 30 days later. The customer can be sent a payment link or go to a payment portal to initiate the first payment. The customer must verify their identity with two factor authentication.
  • At the time of the first SI transaction: Cardholder makes the first payment when setting up the SI transactions. Parameters for future payments are configured and the customer provides consent for the first payment. Payer authentication is only done for the first SI transaction. Subsequent SI transactions do not require payer authentication unless the original SI agreement is modified.
When registering a customer for SI transactions, the merchant collects information to configure the parameters of the transactions. The cardholder is assigned a SI registration ID that links to the information provided by the cardholder. This information includes:
  • Number of SI transactions
  • Mode of communication with the customer (email or text)
  • Frequency
  • Minimum and maximum amount limits for a transaction
  • Transaction amount
  • Preferred date for transaction
While the specific amount and date of the transaction might be unavailable at the time of registration, the merchant always intimates the amount and date to the customer by text or email before each SI transaction occurs.
After the SI transaction is set up, each SI transactions is charged by the merchant on the preferred date. Twenty-four hours before each SI transaction occurs, the merchant intimates to the customer, the amount and date of the pending transaction. The amount charged must be within the minimum and maximum amount values configured by the cardholder during registration. If no maximum value was specified, 5,000 rupees is the maximum value.

Required Fields for Standing Instruction Registration

These fields are required when registering for a SI transaction:
installmentInformation.alertPreference
Only used with RuPay for the payer authentication seamless flow.
Only used with RuPay for the payer authentication seamless flow.
installmentInformation.lastInstallmentDate
Only used with RuPay for the payer authentication seamless flow.
installmentInformation.maxAmount
Only used with RuPay for the payer authentication seamless flow.
installmentInformation.minAmount
Only used with RuPay for the payer authentication seamless flow.
Only used with RuPay for the payer authentication seamless flow.
installmentInformation.preferredDay
Only used with RuPay for the payer authentication seamless flow.
Only used with RuPay for the payer authentication seamless flow.
Only used with RuPay for the payer authentication seamless flow.

Optional Fields for Standing Instruction Registration

The following fields are optional when completing registration for a SI transaction:

REST Example: Registering a Standing Instruction

REST Example: Registering a Standing Instruction (with Token)

Light Dark
Request 
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{"clientReferenceInformation":{
       "code":"test"
   },
   "orderInformation":{
       "billTo":{
       "firstName":"Suman",
       "lastName":"Kumar",
       "address1":"Bagmane WTC",
       "address2":"Doddenakundi",
       "locality":"Bangalore",
       "country":"IN",
       "administrativeArea":"KA",
       "postalCode":"560048",
       "email":"test@domain.com",
       "phoneNumber":"7606160717"
    },
    "amountDetails":{
        "totalAmount":"100.00",
        "currency":"INR"
    }
},
    "paymentInformation":{
        "card":{
            "type":"061",
            "expirationMonth":"12",
            "expirationYear":"2025",
            "number":"5082301226408XXXX",
            "securityCode" :"123"
        }
     },
     "deviceInformation" :{
         "httpAcceptBrowserValue" : "accept",
         "userAgentBrowserValue" : "user",
         "ipAddress":"10.0.0.1"
     },
     "installmentInformation": {
         "paymentType": "1",
         "firstInstallmentDate": "01012023",
         "lastInstallmentDate": "01012024",
         "totalCount": "12",
         "minAmount" :"10",
         "maxAmount" :"100",
         "preferredDay":"05",
         "frequency": "1",
         "alertPreference":"SMS",
         "sequence": "2"
     },}
Successful Response
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{"clientReferenceInformation": {
         "code": "test"
    },
"consumerAuthenticationInformation": {
     "validityPeriod": "05",
     "authenticationTransactionContext": "100000000000000000000000025253",
     "authenticationTransactionId": "00000012345334130405260122",
     "veresEnrolled": "Y",
     "authenticationPath": "ENROLLED",
     "authenticationType": "20",
     "specificationVersion": "rupay",
     "token": "AxjzbwSTWgAKsBvnFT5i/989TSoGg2p6yDpxAU1Xb2/+xcVYlDjA/AAABgHI"
},
"errorInformation": {
     "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
     "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
},
"id": "6382576457887159500386",
"status": "PENDING_AUTHENTICATION",
"submitTimeUtc": "2023-11-30T07:34:06Z"}
Light Dark
Request
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{"clientReferenceInformation":{
         "code":"test"
    },       
    "orderInformation":{
         "billTo":{
         "firstName":"Suman",
         "lastName":"Kumar",
         "address1":"Bagmane WTC",
         "address2":"Doddenakundi",
         "locality":"Bangalore",
         "country":"IN",
         "administrativeArea":"KA",
         "postalCode":"560048",
         "email":"test@domain.com",
         "phoneNumber":"7606160717"
     },
     "amountDetails":{
         "totalAmount":"100.00",
         "currency":"INR"
     }
},       
     "paymentInformation":{
         "tokenizedCard": {
         "transactionType":"1",
         "cryptogram":"AxjzbwSTWXrGh42hi2ugABEBTSoX+EHukDpxAUqXb8n+Wcc3UiIJAPAAhhO5",
         "type":"061",
         "expirationMonth":"12",
         "expirationYear":"2025",
         "number":"5082301226408XXXX",
         "securityCode" :"123"
     }
},      
     "deviceInformation" :{
         "httpAcceptBrowserValue" : "accept",
         "userAgentBrowserValue" : "user",
         "ipAddress":"10.0.0.1"
     },
     "installmentInformation": {
         "paymentType": "1",
         "firstInstallmentDate": "01012023",
         "lastInstallmentDate": "01012024",
         "totalCount": "12",
         "minAmount" :"10",
         "maxAmount" :"100",
         "preferredDay":"05",
         "frequency": "1",
         "alertPreference":"SMS",
         "sequence": "2"
     },
}
Successful Response 
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{"clientReferenceInformation": {
          "code": "test"
      },
      "consumerAuthenticationInformation": {
          "validityPeriod": "05",
          "authenticationTransactionContext": "100000000000000000000000025253",
          "authenticationTransactionId": "00000012345334130405260122",
          "veresEnrolled": "Y",
          "authenticationPath": "ENROLLED",
          "authenticationType": "20",
          "specificationVersion": "rupay",
          "token": "AxjzbwSTWgAKsBvnFT5i/989TSoGg2p6yDpxAU1Xb2/+xcVYlDjA/AAABgHI"
       },
       "errorInformation": {
           "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
           "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
        },
        "id": "6382576457887159500386",
        "status": "PENDING_AUTHENTICATION",
        "submitTimeUtc": "2022-11-30T07:34:06Z"}