Raise a Charge or Create an Auth

curl --request POST \
  --url https://sandbox.cashfree.com/pg/subscriptions/pay \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '{
  "subscription_id": "test-subscription-id",
  "payment_id": "test-payment-id",
  "payment_amount": 10,
  "payment_schedule_date": "2025-06-01T16:40:00",
  "payment_remarks": "2nd EMI payment",
  "payment_type": "CHARGE",
  "payment_method": {
    "upi": {
      "upi_id": "john@upi",
      "channel": "collect"
    }
  }
}'

{
  "action": "custom",
  "cf_payment_id": "123456",
  "channel": "qrcode",
  "data": {
    "url": "https://dummy-url.com/upi/qrcode",
    "payload": {
      "paymentType": "UPI",
      "upiIntentData": {
        "androidAuthAppLinks": {
          "GPAY": "https://dummy-url.com/upi/gpay",
          "PHONEPE": "https://dummy-url.com/upi/phonepe"
        },
        "iosAuthAppLinks": {
          "GPAY": "https://dummy-url.com/upi/gpay",
          "PHONEPE": "https://dummy-url.com/upi/phonepe"
        }
      }
    },
    "content_type": "application/json",
    "method": "post"
  },
  "payment_amount": 1,
  "payment_id": "PAY-123456",
  "payment_method": "upi",
  "payment_status": "PENDING",
  "payment_type": "AUTH",
  "subscription_id": "SUBSCRIPTION-123"
}

POST

subscriptions

pay

curl --request POST \
  --url https://sandbox.cashfree.com/pg/subscriptions/pay \
  --header 'Content-Type: application/json' \
  --header 'x-api-version: <x-api-version>' \
  --header 'x-client-id: <api-key>' \
  --header 'x-client-secret: <api-key>' \
  --data '{
  "subscription_id": "test-subscription-id",
  "payment_id": "test-payment-id",
  "payment_amount": 10,
  "payment_schedule_date": "2025-06-01T16:40:00",
  "payment_remarks": "2nd EMI payment",
  "payment_type": "CHARGE",
  "payment_method": {
    "upi": {
      "upi_id": "john@upi",
      "channel": "collect"
    }
  }
}'

{
  "action": "custom",
  "cf_payment_id": "123456",
  "channel": "qrcode",
  "data": {
    "url": "https://dummy-url.com/upi/qrcode",
    "payload": {
      "paymentType": "UPI",
      "upiIntentData": {
        "androidAuthAppLinks": {
          "GPAY": "https://dummy-url.com/upi/gpay",
          "PHONEPE": "https://dummy-url.com/upi/phonepe"
        },
        "iosAuthAppLinks": {
          "GPAY": "https://dummy-url.com/upi/gpay",
          "PHONEPE": "https://dummy-url.com/upi/phonepe"
        }
      }
    },
    "content_type": "application/json",
    "method": "post"
  },
  "payment_amount": 1,
  "payment_id": "PAY-123456",
  "payment_method": "upi",
  "payment_status": "PENDING",
  "payment_type": "AUTH",
  "subscription_id": "SUBSCRIPTION-123"
}

In the sandbox environment, authorisation-related responses for eNACH, card, and UPI differ from those in production.

UPI AutoPay Collect flow for recurring mandates is being deprecated across desktop and Android as per NPCI guidelines. To ensure uninterrupted payment acceptance, merchants are advised to migrate to UPI AutoPay Intent and UPI AutoPay QR flows. For integration changes and more details, refer to the UPI AutoPay Collect Deprecation document.

You must generate the URL in production by concatenating it with the payload data in JSON format. The following are example responses for all Seamless Auth modes in the production environment.

Card method

{
  "action": "custom",
  "cf_payment_id": "39394805",
  "channel": "link",
  "data": {
    "url": "https://centinelapi.cardinalcommerce.com/V2/Cruise/StepUp",
    "payload": {
      "JWT": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJqdGkiOiI4MjcxZmJlMS1mOTU5LTQwMTgtOTc1OC01MzZkMWRkNzM2NjIiLCJpYXQiOjE3NDc2NDI4NjIsImlzcyI6IjYxNDIwNjg4OTMzODI1Njc1MDg0ZGI2ZiIsImV4cCI6MTc0NzY0NjQ2MiwiT3JnVW5pdElkIjoiNjRkNjA3ZGFmZjUzNDk2MWYxNjk0YWZjIiwiUGF5bG9hZCI6eyJBQ1NVcmwiOiJodHRwczovL3NlY3VyZWljaWNpLWNyMS5pY2ljaWJhbmsuY29tL3YxL2Fjcy9zZXJ2aWNlcy9icm93c2VyL2NyZXEvTC84MTEyLzMzNzAxNTBlLTM0OGEtMTFmMC05NTliLTJiYjZmODk2ZjIzOCIsIlBheWxvYWQiOiJleUp0WlhOellXZGxWSGx3WlNJNklrTlNaWEVpTENKdFpYTnpZV2RsVm1WeWMybHZiaUk2SWpJdU1pNHdJaXdpZEdoeVpXVkVVMU5sY25abGNsUnlZVzV6U1VRaU9pSTRZV1ZtT1RCaU15MW1ZakU0TFRRME5qa3RPREF3TVMwMk1tVm1ZakEwWW1RMk56TWlMQ0poWTNOVWNtRnVjMGxFSWpvaU16TTNNREUxTUdVdE16UTRZUzB4TVdZd0xUazFPV0l0TW1KaU5tWTRPVFptTWpNNElpd2lZMmhoYkd4bGJtZGxWMmx1Wkc5M1UybDZaU0k2SWpBeUluMCIsIlRyYW5zYWN0aW9uSWQiOiJUNGVtNEdidnBubGwzQWViakNKMSJ9LCJPYmplY3RpZnlQYXlsb2FkIjp0cnVlLCJSZXR1cm5VcmwiOiJodHRwczovL3d3dy5jYXNoZnJlZS5jb20vc3Vic2NyaXB0aW9uL2NhcmRfcmV0dXJuLzE1MTk5NzA3P3NiY2RhdGE9bHM5SmlOMUl6VUlKaU9pY0diaEpDTGlRMVZLSmlPaUFYZTBKeWUualY5MTNOd2NUTzVFVE54b2pJa2xFYTBWWFlpc25PaXdrVVY5bFRTVkZWRkoxWEhCMVhJUlZWQkp5ZS5CM2txOWhMeXdvY2hlV1U3QV9yT2tmQ2tTVl9TUEw3NzZxcl9mVHY2RG85MmwifQ.BeWYE8vslkOLZVWJd4mJ4MU1eu682fpp2Va7IvzdL9U",
      "MD": "3881717951"
    },
    "content_type": "application/json",
    "method": "post"
  },
  "payment_amount": 1,
  "payment_currency": "INR",
  "payment_id": "test12343234887",
  "payment_method": "card",
  "payment_status": "PENDING",
  "payment_type": "AUTH",
  "subscription_id": "jd-rupay-test106"
}

Enach Seamless Auth

{
  "action": "custom",
  "cf_payment_id": "39394843",
  "channel": "link",
  "data": {
    "url": "https://enach.npci.org.in/onmags/sendRequest",
    "payload": {
      "AuthMode": "NetBanking",
      "BankID": "ICIC",
      "CheckSumVal": "Ril5otPjBl/Y44z3a0HAsSce2NlDqO1iEpP3pIBuKGYJplXVLuIQ1azxNB2aSJkx7...",
      "MandateReqDoc": "<?xml version=\"1.0\" encoding=\"UTF-8\"?><Document xmlns=\"http://npci.org/onmags/schema\">...</Document>"
    },
    "content_type": "application/json",
    "method": "post"
  },
  "payment_amount": 1,
  "payment_currency": "INR",
  "payment_id": "test12343234888",
  "payment_method": "enach",
  "payment_status": "PENDING",
  "payment_type": "AUTH",
  "subscription_id": "jd-enach-test107"
}

UPI Link

{
  "action": "custom",
  "cf_payment_id": "40756575",
  "channel": "link",
  "data": {
    "url": "https://payments.cashfree.com/subscriptions/checkout/timer",
    "payload": {
      "paymentType": "UPI",
      "upiIntentData": {
        "androidAuthAppLinks": {
          "AMAZONPAY": "intent://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00#Intent;scheme=upi;package=in.amazon.mShop.android.shopping;end",
          "BHIM": "intent://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00#Intent;scheme=upi;package=in.org.npci.upiapp;end",
          "DEFAULT": "upi://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00",
          "GPAY": "gpay://upi/mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00#Intent;scheme=upi;package=com.google.android.apps.nbu.paisa.user;end",
          "PAYTM": "paytmmp://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00#Intent;scheme=upi;package=net.one97.paytm;end",
          "PHONEPE": "phonepe://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00#Intent;scheme=upi;package=com.phonepe.app;end"
        },
        "iosAuthAppLinks": {
          "BHIM": "bhim://upi://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00",
          "GPAY": "tez://upi/mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00",
          "PAYTM": "paytmmp://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00",
          "PHONEPE": "phonepe://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413545205666653&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00"
        }
      }
    },
    "content_type": "application/json",
    "method": "post"
  },
  "payment_amount": 10,
  "payment_id": "PAY-1749025491584-4289ae9a",
  "payment_method": "upi",
  "payment_status": "PENDING",
  "payment_type": "AUTH",
  "subscription_id": "SUB_TEST_1749025465390"
}

UPI Collect

{
  "action": "custom",
  "cf_payment_id": "40756761",
  "channel": "collect",
  "data": {
    "url": "https://payments.cashfree.com/subscriptions/checkout/timer",
    "payload": {
      "paymentType": "UPI"
    },
    "content_type": "application/json",
    "method": ""
  },
  "payment_amount": 10,
  "payment_id": "PAY-1749025606422-791be52e",
  "payment_method": "upi",
  "payment_status": "PENDING",
  "payment_type": "AUTH",
  "subscription_id": "SUB_TEST_1749025465390"
}

UPI QR code

{
  "action": "custom",
  "cf_payment_id": "40757018",
  "channel": "qrcode",
  "data": {
    "url": "",
    "payload": {
      "paymentType": "UPI",
      "qrData": "upi://mandate?pa=branchautopay.cf@icici&pn=Branch&tr=EZM2025060413592105685824&am=10.00&cu=INR&orgid=400011&mc=7322&purpose=14&tn=Cashfree%20Payments&validitystart=04062025&validityend=04062055&amrule=MAX&recur=ASPRESENTED&rev=N&share=Y&block=N&txnType=CREATE&mode=13&fam=10.00"
    },
    "content_type": "application/json",
    "method": "post"
  },
  "payment_amount": 10,
  "payment_id": "PAY-1749025760541-4c158190",
  "payment_method": "upi",
  "payment_status": "PENDING",
  "payment_type": "AUTH",
  "subscription_id": "SUB_TEST_1749025465390"
}

Physical Nach Auth

{
	"action": "post",
	"cf_payment_id": "47720375",
	"channel": "post",
	"data": {
		"url": "https://api.cashfree.com/pg/view/gateway/subscriptions/testkriti12upi12ANUG5689TFVNB357123",
		"payload": null,
		"content_type": "",
		"method": null
	},
	"payment_amount": 0,
	"payment_currency": "INR",
	"payment_id": "PAY-1749025760541-4c158190",
	"payment_method": "pnach",
	"payment_status": "PENDING",
	"payment_tags": null,
	"payment_type": "AUTH",
	"subscription_id": "SUB_TEST_1749025465390"
}

Authorizations

x-client-id

string

header

required

Client app ID. You can find your app id in the Merchant Dashboard.

x-client-secret

string

header

required

Client secret key. You can find your secret key in the Merchant Dashboard.

Headers

x-api-version

string

default:2026-01-01

required

API version to be used.

x-request-id

string

Request ID for the API call. Can be used to resolve tech issues. Communicate this in your tech related queries to Cashfree.

x-idempotency-key

string<UUID>

An idempotency key is a unique identifier you include with your API call. If the request fails or times out, you can safely retry it using the same key to avoid duplicate actions.

x-client-device

enum<string>

Accepted values are mobile, desktop, and tablet. Required for UPI Collect requests.

Available options:

mobile,

desktop,

tablet

x-client-os

enum<string>

The client device's operating system. This header is required for UPI Collect requests. The only accepted value is ios.

Available options:

ios

x-client-rendering-type

enum<string>

Accepted values are mweb, webview, and native. Required for UPI Collect requests when x-client-device is mobile. mweb renders the payment in a mobile browser, webview renders it inside an in-app browser, and native renders it natively inside a mobile app using SDKs.

Available options:

mweb,

webview,

native

x-client-browser

enum<string>

Accepted values are safari, chrome, firefox, and edge. Required for UPI Collect requests.

Available options:

safari,

chrome,

firefox,

edge

Body

application/json

Request body to create a subscription payment.

The request to be passed for the create subscription payment API.

subscription_id

string

required

A unique ID passed by merchant for identifying the subscription.

payment_id

string

required

A unique ID passed by merchant for identifying the subscription payment.

payment_type

string

required

Payment type. Can be AUTH or CHARGE.

subscription_session_id

string

Session ID for the subscription. Required only for Auth.

payment_amount

number<float64>

The charge amount of the payment. Required in case of charge.

payment_schedule_date

string

The date on which the payment is scheduled to be processed. This field is required for UPI and CARD payment modes. Cashfree stores timestamps in IST, but you can provide them in a valid ISO 8601 time format. For IST this 2025-06-01T10:20:12+05:30 translates to 2025-06-01 10:20:12. For UTC this 2025-06-01T10:20:12Z translates to 2025-06-01 15:50:12+05:30.

Please note that only the date component is considered. Any time value provided will be ignored.

payment_remarks

string

Payment remarks.

payment_method

CreateSubscriptionPaymentRequestUpi · object

payment method upi.

CreateSubscriptionPaymentRequestUpi
CreateSubscriptionPaymentRequestEnach
CreateSubscriptionPaymentRequestPnach
CreateSubscriptionPaymentRequestCard

Show child attributes

Response

response of created payment.

The response returned is Create Subscription Auth or Charge APIs.

cf_payment_id

string

Cashfree subscription payment reference number.

failure_details

object

Show child attributes

payment_amount

number<float64>

The charge amount of the payment.

payment_id

string

A unique ID passed by merchant for identifying the transaction.

payment_initiated_date

string<ISO8601>

The date on which the payment was initiated. We store timestamps in IST.

Example:

"2025-06-01T10:20:12+05:30"

payment_status

string

Status of the payment.

payment_type

string

Payment type. Can be AUTH or CHARGE.

Example:

"CHARGE"

subscription_id

string

A unique ID passed by merchant for identifying the subscription.

data

object

Contains a payload for auth app links in case of AUTH. For charge, the payload is empty.

payment_method

string

Payment method used for the authorisation.

⌘I

Payments API

v2026-01-01

Other Versions

Raise a Charge or Create an Auth

Authorizations

Headers

Body

Response