Overview

This API lets the platform execute a debit request against a registered mandate for whom the pre-debit notification has been successfully initiated.

This API is an async API and the actual debit happens after the request is placed by Decentro with the bank partner.

Flow

Below is the flow for using this API.

• The platform registers a UPI-based mandate using the Create Mandate API and receives the unique mandate ID from Decentro in the Get Mandate Status API or the Registration Callback.
• The platform initiates the pre-debit notification using the Pre-debit Notification API by passing the unique mandate ID from Decentro in the Get Mandate Status API or the Registration Callback.
• Decentro responds with a success or failure for pre-debit notification.
• The platform passes the same in the 'urn' field in the request payload on the endpoints if the pre-debit notifcation is successful
• Decentro triggers a Execution Status Callback to a pre-configured endpoint once the execution reaches a terminal stage.
• The platform can check the status of the mandate using the Mandate Execution Status API as an alternative.

Points to Note

Decentro checks a few points before initiating the pre-debit request, most of which are fetched from the mandate registration details here.

• The debit request should be against an active mandate
• The debit request should be as per the set frequency
• The debit request should be as per the amount rule
• The debit request should be as per the set date rule
• The pre-debit request should be successful
• The user will receive a collect notification with expiiry of 30 minutes in case execution limit is more than the threshold limit. For most merchants, this limit is set to INR 15,000.
• The clients can retry the execution after 1 hour from the previous execution attempt.

This API is an async API

API Endpoints