Raise a charge or create an auth.

Use this API to create an auth or to raise a charge.

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

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.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.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"
}