UPI Autopay Mandate Create API

What is UPI Autopay Mandate Create?

The UPI Autopay Mandate Create from JustSwitch lets product teams pay UPI VPAs in real time through a single REST integration. Designed for the UPI / Payout lane, it removes manual checks, reduces drop-offs in onboarding funnels, and returns structured JSON that your risk engine, CRM, or core banking system can consume instantly.

Every request is authenticated with API keys, logged for audit, and routed through regulated partner rails where required. Responses follow a consistent `{ ok, data, message }` envelope so you can ship once and reuse the same error-handling patterns across all JustSwitch endpoints.

Payment rails include idempotency keys, webhook callbacks, and reconciliation IDs so finance teams can match ledger entries without spreadsheet gymnastics. UPI operates under NPCI as instant bank-to-bank payment infrastructure.

Developers choose JustSwitch for UPI Autopay Mandate Create because we aggregate multiple upstream providers behind one contract, one wallet settlement, and one support desk — so you launch faster while your compliance team retains full audit visibility through dashboard logs and exportable reports.

Technical specification

Endpoint details for UPI Autopay Mandate Create integration on JustSwitch.

Key features

Who uses UPI Autopay Mandate Create?

How it works

1. 01

   Create beneficiary / collect request with idempotency key.

2. 02

   Receive synchronous acknowledgement or pending status.

3. 03

   Webhook confirms final state for ledger posting.

Sample integration

Illustrative JSON for UPI Autopay Mandate Create — see developer docs for live schemas.

{
    "amount": 100,
    "currency": "INR",
    "beneficiary_id": "BEN-88",
    "idempotency_key": "uuid"
}

{
    "ok": true,
    "message": "Success",
    "data": {
        "status": "success",
        "reference_id": "JS-83BZ5SAX",
        "verified_at": "2026-06-23T22:51:10+00:00"
    }
}

Business benefits

• Reduce manual ops cost by up to 70% on verification-heavy journeys
• Improve conversion with inline validation instead of offline turnaround
• Single contract & settlement across 200+ Indian fintech APIs
• NPCI-aligned rails with reconciliation-friendly references
• Dedicated solutions engineering for enterprise rollouts

Frequently asked questions