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UPI subscriptions let you collect recurring payments from customers using UPI subscription mandates. This guide walks through how to create a UPI subscription using the Intent Flow, where customers approve the mandate by scanning a QR code or using a UPI payment intent.Once the mandate is active, the payment gateway automatically processes recurring debits based on the billing cycle.

Create Subscription

Create a UPI subscription order using Intent Flow

Display QR Code

Show QR code for mandate approval

Invoke UPI Intent

Launch UPI apps on Desktop, Android, and iOS

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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
  • UPI Subscription enablement: UPI recurring subscription enabled and approved by EximPe.
  • 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 Intent Flow to create subscriptions without requiring the customer’s VPA upfront. The Intent flow allows customers to approve the mandate by scanning a QR code or using a UPI payment intent.

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Sample Request

curl -X POST https://api-pacb.eximpe.com/pg/subscriptions/intent/ \
  -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": "SUBR8QRLW",
    "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": "INVMVLSVW",
        "date": "2025-12-15"
    },
    "standing_instruction": {
        "billing_amount": "1000.00",
        "billing_currency": "INR",
        "billing_cycle": "MONTHLY",
        "billing_interval": 1,
        "payment_start_date": "2026-01-15",
        "payment_end_date": "2027-01-15",
        "remarks": "Monthly subscription for premium services"
    },
    "mop_type": "UPI",
    "upi_flow_type": "intent",
    "upi_app_name": "others"
}'

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Response

{
  "success": true,
  "message": "UPI Subscription created successfully",
  "data": {
    "order_id": "550e8400-e29b-41d4-a716-446655440000",
    "subscription_id": "660e8400-e29b-41d4-a716-446655440001",
    "subscription_type": "UPI_RECURRING",
    "intent_uri": "ver=01&pa=holla.cfp@cashfreensdlpb&pn=HOLLA&tr=enroll150506157&am=1.00&validityend=25042027&mc=5817&txnType=CREATE&tn=Cashfree%20Payments&fam=1.00&purpose=14&block=N&rev=Y&orgid=000000",
    "qr_code": {
      "url": "upi://mandate?ver=01&pa=holla.cfp@cashfreensdlpb&pn=HOLLA&tr=enroll150506157&am=1.00&validityend=25042027&mc=5817&txnType=CREATE&tn=Cashfree%20Payments&fam=1.00&purpose=14&block=N&rev=Y&orgid=000000",
      "base64": "iVBORw0KGgoAAAANSUhEUgAA..."
    },
    "subscription": {
      "billing_cycle": "MONTHLY",
      "billing_interval": 1,
      "payment_start_date": "2025-01-01",
      "payment_end_date": "2025-12-31"
    }
  }
}
The customer approves the mandate by scanning a QR code or using a UPI payment intent. The response returns a QR code in base64 format for display.
Key differences between Card and Intent flow:
  • Card Flow: Requires customer’s card details upfront. Payment mandate is created using card information.
  • Intent Flow: No VPA required. Customer approves mandate by scanning QR code or using payment intent. Returns QR code in base64 format for display.
The Intent flow is ideal when you want to let customers approve mandates without collecting their VPA first.

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Display QR Code

The response includes a base64-encoded QR code that can be displayed directly: 
<img src="data:image/png;base64,{data.qr_code.base64}" alt="UPI Payment QR Code" />
Alternatively, you can use the intent_uri to generate a QR code client-side or use the provided qr_code.url for UPI app deep linking.

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Invoke UPI Intent

The method for invoking the UPI mandate approval depends on the customer’s device and operating system.

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Mobile (Android & iOS)

Use the intent_uri to directly launch the customer’s UPI application for mandate approval.

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1. Specific App Invocation (Android & iOS)

To target a specific app, use the following schemes:
UPI AppAndroid Package Name (for Intent URL)iOS URL Scheme Prefix
Google Paycom.google.android.apps.nbu.paisa.usergpay://upi/mandate?
PhonePecom.phonepe.appphonepe://upi/mandate?
BHIMin.org.npci.upiappbhim://upi/mandate?
Paytmnet.one97.paytmpaytmmp://upi/mandate?
Amazon Payin.amazon.mShop.android.shoppingamazonpay://upi/mandate?
CREDcom.dreamplug.androidappcredpay://upi/mandate?
Supermoneymoney.super.paymentssuper://mandate?
Fi Moneycom.fi.moneyfi://upi/mandate?
Jupitermoney.jupiterjupiter://upi/mandate?
Sliceindwin.c3.shareappslice://upi/mandate?
App Support: Major UPI apps (Google Pay, PhonePe, BHIM, Paytm) support mandate creation via deep links. Some apps may not support the app-specific /mandate scheme. In such cases, use the generic upi://mandate? scheme or display the QR code returned in the API response as a fallback.
Android Specific App Format: 
intent://mandate?<intent_uri>#Intent;scheme=upi;package=<package_name>;end;
Examples: 
intent://mandate?pa=merchant@bank&pn=Merchant&am=1000.00&cu=INR&tr=TXN123#Intent;scheme=upi;package=com.google.android.apps.nbu.paisa.user;end;
iOS Specific App Format: 
<scheme_prefix><intent_uri>
Examples: 
gpay://upi/mandate?pa=merchant@bank&pn=Merchant&am=1000.00&cu=INR&tr=TXN123

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2. Generic Intent Invocation

If you want to allow the user to choose from any available UPI app or use their default handler, use the following scheme:
TypeScheme PrefixDescription
General UPIupi://mandate?Launches the system’s default UPI handler
Example: 
upi://mandate?pa=merchant@bank&pn=Merchant&am=1000.00&cu=INR&tr=TXN123
  • On Android: Invoking upi://mandate? will open the system’s app tray (the “Complete action using” dialog), allowing the buyer to select from all installed UPI apps.
  • On iOS: Invoking upi://mandate? will directly open the default UPI app configured on the device.
Pro Tip: For the best user experience, detect the user’s device type. Show a QR code on Desktop and a list of UPI apps (or an “Approve Mandate” button) on Mobile.

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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 UPI Subscription (Intent Flow) endpoint in API Reference.