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Card subscriptions let you collect recurring payments from customers using card-based subscription mandates. This guide walks through how to create a card subscription where the mandate is created using the customer’s card details.Once the mandate is active, the payment gateway automatically processes recurring debits based on the billing cycle.

Create Subscription

Create a card subscription order with standing instruction

3D Secure Auth

Handle 3D Secure authentication for card mandates

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Prerequisites

Before you begin, ensure you have:
  • Credentials: Your Client ID and Client Secret
  • Domain Whitelist: Whitelisted your website domain for integration
  • Webhook URL: A secure endpoint to receive payment status updates
  • Server environment: Ability to make HTTPS POST and GET requests from your backend.
  • JSON & HTTP Client: Familiarity with JSON request bodies and HTTP client libraries.

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Create Subscription

Use the Card Flow to create subscriptions using the customer’s card details. The request is sent from your server to EximPe with the required transaction parameters. This needs to be a server-to-server curl call request.

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Sample Request

curl -X POST https://api-pacb.eximpe.com/pg/subscriptions/card/ \
  -H "Content-Type: application/json" \
  -H "X-Client-ID: <your-client-id>" \
  -H "X-Client-Secret: <your-client-secret>" \
  -H "X-Merchant-ID: <your-merchant-id>" \
  -H "X-API-Version: 2.0.0" \
  -d '{
    "amount": "1000.00",
    "collection_mode": "s2s",
    "currency": "INR",
    "reference_id": "SUB6ACIQ7",
    "buyer": {
        "name": "John Doe",
        "email": "[email protected]",
        "phone": "+919876543210",
        "address": {
            "line_1": "123 Main Street",
            "line_2": "Apt 4B",
            "city": "Mumbai",
            "state": "Maharashtra",
            "postal_code": "400001"
        },
        "ip_address": "192.168.1.100",
        "user_agent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/91.0.4472.124 Safari/537.36"
    },
    "product": {
        "name": "Monthly Subscription Plan",
        "description": "Monthly subscription for premium services",
        "hs_code": "98051000",
        "hs_code_description": "Subscription services",
        "type_of_goods": "service"
    },
    "invoice": {
        "number": "INVW72Z2G",
        "date": "2025-12-12"
    },
    "standing_instruction": {
        "billing_amount": "1000.00",
        "billing_currency": "INR",
        "billing_cycle": "MONTHLY",
        "billing_interval": 1,
        "payment_start_date": "2026-01-12",
        "payment_end_date": "2027-01-12",
        "remarks": "Monthly subscription for premium services"
    },
    "mop_type": "credit_card",
    "card_details": {
        "card_number": "4111111111111111",
        "card_holder_name": "John Doe",
        "card_expiry_month": "12",
        "card_expiry_year": "2027",
        "card_cvv": "123"
    }
}'

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Response

{
  "success": true,
  "message": "Card Subscription created successfully",
  "data": {
    "order_id": "ORD_xxx",
    "subscription_type": "CARD_RECURRING",
    "subscription_id": "SUB_xxx",
    "acstemplate": "PCFET0NUWVBFIGh0bWw+CiAgICAgICAgPGh0....=",
    "subscription": {
            "billing_cycle": "MONTHLY",
            "billing_interval": 1,
            "payment_start_date": "2026-04-10",
            "payment_end_date": "2027-04-10"
        }
  }
}

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3D Secure Authentication

3D Secure Authentication: Card-based subscriptions may require 3D Secure authentication. If the response includes an acstemplate, render it on the client side to complete the authentication process before the subscription mandate becomes active.

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Next Steps

Once the subscription is created, proceed to Manage Subscriptions to check mandate status, modify or cancel mandates, and view payment history. For full request and response schema, see the Create Card Subscription endpoint in API Reference.