Overview#
Indiconnect provides UPI Recurring Services for Co-operative Societies, enabling seamless Auto Pay Services for payment acceptance. This API facilitates automatic mandate creation, fund debits, and settlement to the society’s bank account.Key Features#
Seamless Mandate Setup: Automate customer onboarding via API.
Auto Debit & Fund Settlement: Direct auto-debits from customer accounts.
Two Integration Modes: Use Indiconnect portal or direct API.
Secure Transactions: Uses encrypted authentication and secure channels.
Use Cases#
Co-operative Societies – Automate daily deposit collections via mandates.
Microfinance Institutions – Streamline recurring loan EMI payments.
Subscription-Based Businesses – Auto-collect membership fees.
Retail & Utility Payments – Automate small-value recurring payments.
Integration Process#
Integration Flow Diagram#
Step-by-Step Integration#
1. Sign Up & Obtain API CredentialsRegister for a Digital Pigmy user account.
Retrieve API keys for secure authentication.
Collect Request: Direct UPI debit request.
Intent Request: Pre-approved mandate-based transactions.
Mandate Creation API: Set up payment authorizations.
Transaction Processing API: Execute auto debits.
Webhook Setup: Receive real-time payment status updates.
Track transactions via Dashboard.
Check Transaction History.
200 OK: Request successful.
400 Bad Request: Invalid request parameters.
401 Unauthorized: Invalid API key or authentication issue.
404 Not Found: Requested resource does not exist.
408 Request Timeout: Payment request expired before customer authorization.
500 Internal Server Error: Temporary server issue, retry later.
Troubleshooting Tips#
Ensure API keys are correctly passed in the request headers.
Validate UPI IDs before initiating a transaction.
Check for sufficient balance in the payer’s account.
Verify webhook configuration to receive transaction updates.
Confirm that the UPI service provider is not experiencing downtime.
Support & Next Steps#
Next Steps#
Explore API Documentation: Review detailed API specifications.
Set Up Webhooks: Enable real-time notifications.
Test in the Sandbox: Validate the integration before going live.
Deploy to Production: Start collecting payments seamlessly.
FAQs#
1. What is Digital Pigmy Services API?
It is an API service that enables automatic UPI-based payments for recurring transactions.2. What are the available settlement types?T+0 Settlement: Instant credit after transaction confirmation.
T+1 Settlement: Funds credited on the next business day.
Customers approve an auto-pay mandate via UPI, allowing automated future debits.4. What happens if a payment fails?
Failed payments return an appropriate error code, and retries can be attempted based on the reason for failure.5. How can I track my transactions?
Users can track transactions using the dashboard or API-based status checks.Conclusion#
Digital Pigmy Services API offers an automated, secure, and seamless way to manage recurring payments for cooperative societies and financial institutions. By leveraging mandate-based collections, businesses can improve cash flow, reduce manual effort, and enhance payment reliability.Modified at 2025-05-16 12:34:41
