#OneShot (One time mandates)
PREREQUISITES
🌟 UPI mandates overview ↗#What is a one-time mandate ?
A one time mandate a mandate that can be executed only once at a later date after taking user consent. One time mandates are very useful for conditional flows like:
- IPO mandates that are executed only on allotment of shares
- Transit systems that debit funds only if ticket is confirmed
- Events platforms can use OTMs for RSVP before confirmations
#How it works
The first step to collect a payment via a one time mandate is for the merchant to create a one time mandate. There are 2 ways in which a one time mandate can be created:
Intent based : Intent based mandates are always initiated by user through merchant app or by scanning a QR code.
Collect based Collect based mandates are initated by merchant by taking user's VPA as an input and creating a request.
These are the list of steps involved in collecting a payment from a customer using a one time mandate in intent flow
Step 1 - Create a one time mandate
- Merchant sends one time mandate details to UPI Setu and receives a unique one time mandate creation intent link / qr to send to their Customer
- Customer clicks one time mandate creation intent link, chooses preferred UPI app / scans the qr on preferred UPI app and enters mPIN to initiate one time mandate creation.
- UPI Setu triggers a webhook notification on one time mandate creation initiation which the merchant can use to update one time mandate status at their end.
- Once the mandate is LIVE, UPI Setu triggers another webhook notification which the merchant can use to mark mandate status as LIVE at their end.
Step 2 - Send a pre debit notification
Merchant triggers a pre debit notification via UPI Setu 48 - 72 Hrs before debit / execution to let the Customer get notified about the upcoming debit.
Step 3 - Trigger mandate execution
- 48 - 72 Hrs after the pre debit notification is successful, Merchant triggers mandate execution via UPI Setu.
- Customer receives a collect request notification on their UPI app, clicks on the notification and enters mPIN to authorise the payment.
Customer only has to provide authorization if amount exceeds ₹15,000
Step 4 - Check payment status
Merchant can use check payment status API to check payment statuses associated to the mandate
Other operations that can happen on a one time mandate once it is LIVE
- Updating a one time mandate
- Revoking a one time mandate
- Pausing a one time mandate
- Unpausing a paused one time mandate