PayDirect Standing Instruction: Auto Debit

POST

payments

initiate

PayDirect AUTO DEBIT standing instruction (request body)

curl --request POST \
  --url https://api.payglocal.in/gl/v1/payments/initiate \
  --header 'Content-Type: application/json' \
  --header 'x-gl-token-external: <api-key>' \
  --data '
{
  "merchantTxnId": "23AEE8CB6B62EE2AF07",
  "merchantUniqueId": "IFNN939494NJFJ",
  "merchantCallbackURL": "https://api.prod.payglocal.in/gl/v1/payments/merchantCallback",
  "standingInstruction": {
    "data": {
      "amount": "15000",
      "numberOfPayments": "N",
      "frequency": "MONTHLY",
      "type": "FIXED",
      "startDate": "20260903"
    }
  },
  "paymentData": {
    "totalAmount": "10.00",
    "txnCurrency": "INR",
    "cardData": {
      "number": "4111111111111111",
      "expiryMonth": "05",
      "expiryYear": "2026",
      "securityCode": "111"
    },
    "billingData": {
      "firstName": "John",
      "lastName": "Doe",
      "addressStreet1": "221B Baker Street",
      "addressCity": "Bengaluru",
      "addressCountry": "IND",
      "emailId": "john.doe@example.com",
      "callingCode": "+91",
      "phoneNumber": "9999999999"
    }
  }
}
'

import requests

url = "https://api.payglocal.in/gl/v1/payments/initiate"

payload = {
    "merchantTxnId": "23AEE8CB6B62EE2AF07",
    "merchantUniqueId": "IFNN939494NJFJ",
    "merchantCallbackURL": "https://api.prod.payglocal.in/gl/v1/payments/merchantCallback",
    "standingInstruction": { "data": {
            "amount": "15000",
            "numberOfPayments": "N",
            "frequency": "MONTHLY",
            "type": "FIXED",
            "startDate": "20260903"
        } },
    "paymentData": {
        "totalAmount": "10.00",
        "txnCurrency": "INR",
        "cardData": {
            "number": "4111111111111111",
            "expiryMonth": "05",
            "expiryYear": "2026",
            "securityCode": "111"
        },
        "billingData": {
            "firstName": "John",
            "lastName": "Doe",
            "addressStreet1": "221B Baker Street",
            "addressCity": "Bengaluru",
            "addressCountry": "IND",
            "emailId": "john.doe@example.com",
            "callingCode": "+91",
            "phoneNumber": "9999999999"
        }
    }
}
headers = {
    "x-gl-token-external": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

HttpResponse<String> response = Unirest.post("https://api.payglocal.in/gl/v1/payments/initiate")
  .header("x-gl-token-external", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"merchantTxnId\": \"23AEE8CB6B62EE2AF07\",\n  \"merchantUniqueId\": \"IFNN939494NJFJ\",\n  \"merchantCallbackURL\": \"https://api.prod.payglocal.in/gl/v1/payments/merchantCallback\",\n  \"standingInstruction\": {\n    \"data\": {\n      \"amount\": \"15000\",\n      \"numberOfPayments\": \"N\",\n      \"frequency\": \"MONTHLY\",\n      \"type\": \"FIXED\",\n      \"startDate\": \"20260903\"\n    }\n  },\n  \"paymentData\": {\n    \"totalAmount\": \"10.00\",\n    \"txnCurrency\": \"INR\",\n    \"cardData\": {\n      \"number\": \"4111111111111111\",\n      \"expiryMonth\": \"05\",\n      \"expiryYear\": \"2026\",\n      \"securityCode\": \"111\"\n    },\n    \"billingData\": {\n      \"firstName\": \"John\",\n      \"lastName\": \"Doe\",\n      \"addressStreet1\": \"221B Baker Street\",\n      \"addressCity\": \"Bengaluru\",\n      \"addressCountry\": \"IND\",\n      \"emailId\": \"john.doe@example.com\",\n      \"callingCode\": \"+91\",\n      \"phoneNumber\": \"9999999999\"\n    }\n  }\n}")
  .asString();

const url = 'https://api.payglocal.in/gl/v1/payments/initiate';
const options = {
  method: 'POST',
  headers: {'x-gl-token-external': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    merchantTxnId: '23AEE8CB6B62EE2AF07',
    merchantUniqueId: 'IFNN939494NJFJ',
    merchantCallbackURL: 'https://api.prod.payglocal.in/gl/v1/payments/merchantCallback',
    standingInstruction: {
      data: {
        amount: '15000',
        numberOfPayments: 'N',
        frequency: 'MONTHLY',
        type: 'FIXED',
        startDate: '20260903'
      }
    },
    paymentData: {
      totalAmount: '10.00',
      txnCurrency: 'INR',
      cardData: {
        number: '4111111111111111',
        expiryMonth: '05',
        expiryYear: '2026',
        securityCode: '111'
      },
      billingData: {
        firstName: 'John',
        lastName: 'Doe',
        addressStreet1: '221B Baker Street',
        addressCity: 'Bengaluru',
        addressCountry: 'IND',
        emailId: 'john.doe@example.com',
        callingCode: '+91',
        phoneNumber: '9999999999'
      }
    }
  })
};

fetch(url, options)
  .then(res => res.json())
  .then(json => console.log(json))
  .catch(err => console.error(err));

{
  "gid": "gl_o-a057c4d6b6c620741apzp0ZX2",
  "status": "INPROGRESS",
  "message": "Transaction Created Successfully",
  "timestamp": "02/06/2026 21:47:33",
  "reasonCode": "200",
  "data": {
    "redirectUrl": "https://api.uat.payglocal.in/gl/payflow-ui/?x-gl-token=example",
    "statusUrl": "https://api.uat.payglocal.in/gl/v1/payments/gl_o-a057c4d6b6c620741apzp0ZX2/status?x-gl-token=example",
    "merchantTxnId": "23AEE8CB6B62EE2AF07",
    "mandateId": "md_925996a0-9da6-42df-b968-8a14729885fd"
  },
  "errors": null
}

{
  "gid": "gl_9c2645ed09edb22e",
  "status": "REQUEST_ERROR",
  "message": "Authentication failed, please contact support.",
  "timestamp": "10/01/2026 15:00:00",
  "reasonCode": "GL-400-001",
  "data": {},
  "errors": {
    "detailedMessage": "Authentication failed, please contact support.",
    "displayMessage": "Something went wrong. We'll take you back to checkout so that you can try again."
  },
  "errorDetails": {}
}

{
  "gid": "gl_9c2645ed09edb22e",
  "status": "BLACKLIST_MATCH",
  "message": "You are not allowed to onboard on this platform. Please contact support.",
  "timestamp": "10/01/2026 15:00:00",
  "reasonCode": "GL-403-001",
  "data": {},
  "errors": {
    "detailedMessage": "You are not allowed to onboard on this platform, please contact support.",
    "displayMessage": "Something went wrong. We'll take you back to checkout so that you can try again."
  },
  "errorDetails": {}
}

{
  "gid": "gl_9c2645ed09edb22e",
  "status": "REQUEST_ERROR",
  "message": "Authentication failed, please contact support.",
  "timestamp": "10/01/2026 15:00:00",
  "reasonCode": "GL-400-001",
  "data": {},
  "errors": {
    "detailedMessage": "Authentication failed, please contact support.",
    "displayMessage": "Something went wrong. We'll take you back to checkout so that you can try again."
  },
  "errorDetails": {}
}

AUTO DEBIT standing instructions

AUTO DEBIT standing instructions automatically process subsequent debits based on the configured schedule after successful mandate registration. Registration uses the same PayDirect initiate endpoint as GPI with a standingInstruction block.

Key points

Register the mandate using the Initiate API with startDate and a scheduled frequency such as WEEKLY, BIWEEKLY, MONTHLY, QUARTERLY, HALFYEARLY, or YEARLY (not ONDEMAND).
After successful registration, subsequent debit transactions are automatically initiated according to the configured schedule.
No SI sale API calls are required for subsequent debit transactions.
The amount for subsequent debits must be FIXED.

When Auto Debit is enabled for your MID, ONDEMAND frequency and VARIABLE type are not supported.

Supported payment methods

Method	Domestic	International
Cards	—	✓

Standing instructions support international cards only. In Request body → paymentData, send cardData only (tokenData is not supported).

API


Method	`POST`
Path	`/gl/v1/payments/initiate`
Production	`https://api.payglocal.in/gl/v1/payments/initiate`
Sandbox	`https://api.uat.payglocal.in/gl/v1/payments/initiate`

GPI, on-demand SI, auto-debit, and authorize all call this path. Only the JSON request body differs.

Headers

Same as GPI. Set standingInstruction.data (amount, scheduled frequency, type: FIXED, startDate) in Request body below.

Next actions

PayGlocal debits on your configured schedule. Do not call SI subsequent payment for scheduled debits.

Action	API
Mandate status	Check mandate status
Cancel mandate	Cancel standing instruction
Each scheduled debit	Get transaction status and your `merchantCallbackURL`

Authorizations

x-gl-token-external

string

header

required

RSA-signed JWS (JSON Web Signature) token carrying the request payload.

Header: { "alg": "RS256", "kid": "<merchant-key-id>", "iss": "<merchant-id>", "x-gl-enc": "false", "is-digested": "true" }
Payload: the exact JSON body sent in the request (or its SHA-256 digest when is-digested=true).
Signed with the merchant's RSA private key; PayGlocal verifies with the matching public key.

Body

application/json

Scheduled auto debit standing instruction registration. International cards only (paymentData.cardData).

merchantTxnId

string

required

Merchant's unique transaction identifier. Alphanumeric only.

Required string length: 4 - 50

Example:

"23AEE8CB6B62EE2AF07"

merchantCallbackURL

string<uri>

required

Customers are redirected here post payment completion.

Example:

"https://api.prod.payglocal.in/gl/v1/payments/merchantCallback"

paymentData

object

required

International cards only. Send cardData only — tokenData is not supported for standing instruction registration.

Show child attributes

standingInstruction

object

required

Show child attributes

merchantUniqueId

string

Optional stable merchant-side ID for idempotency and reconciliation. Alphanumeric only.

Required string length: 15 - 40

Example:

"IFNN939494NJFJ"

riskData

object

Recommended for fraud checks and processor compliance.

Show child attributes

Response

Returned immediately from initiate. Redirect the customer to data.redirectUrl, then poll data.statusUrl or Get Transaction Status. When mandate registration succeeds, data.mandateId may be present in data.

Response envelope for PayDirect standing instruction initiate (200). data may include mandateId. No fields in this envelope are marked required.

gid

string

PayGlocal transaction ID. Use for status, capture, and refund APIs.

Example:

"gl_o-a057c4d6b6c620741apzp0ZX2"

status

string

High-level status. Typically INPROGRESS immediately after initiate.

Example:

"INPROGRESS"

message

string

Human-readable status message.

Example:

"Transaction Created Successfully"

timestamp

string

Response timestamp (DD/MM/YYYY HH:MM:SS).

Example:

"02/06/2026 21:47:33"

reasonCode

string

Success code on initiate (e.g. 200). See 4xx responses for error codes.

Example:

"200"

data

object

Standing instruction registration may also return mandateId in data — store it for SI sale, status, and cancel.

Show child attributes

errors

object | null

null on success.

Show child attributes

PayDirect AUTO DEBIT standing instruction (request body)

curl --request POST \
  --url https://api.payglocal.in/gl/v1/payments/initiate \
  --header 'Content-Type: application/json' \
  --header 'x-gl-token-external: <api-key>' \
  --data '
{
  "merchantTxnId": "23AEE8CB6B62EE2AF07",
  "merchantUniqueId": "IFNN939494NJFJ",
  "merchantCallbackURL": "https://api.prod.payglocal.in/gl/v1/payments/merchantCallback",
  "standingInstruction": {
    "data": {
      "amount": "15000",
      "numberOfPayments": "N",
      "frequency": "MONTHLY",
      "type": "FIXED",
      "startDate": "20260903"
    }
  },
  "paymentData": {
    "totalAmount": "10.00",
    "txnCurrency": "INR",
    "cardData": {
      "number": "4111111111111111",
      "expiryMonth": "05",
      "expiryYear": "2026",
      "securityCode": "111"
    },
    "billingData": {
      "firstName": "John",
      "lastName": "Doe",
      "addressStreet1": "221B Baker Street",
      "addressCity": "Bengaluru",
      "addressCountry": "IND",
      "emailId": "john.doe@example.com",
      "callingCode": "+91",
      "phoneNumber": "9999999999"
    }
  }
}
'

import requests

url = "https://api.payglocal.in/gl/v1/payments/initiate"

payload = {
    "merchantTxnId": "23AEE8CB6B62EE2AF07",
    "merchantUniqueId": "IFNN939494NJFJ",
    "merchantCallbackURL": "https://api.prod.payglocal.in/gl/v1/payments/merchantCallback",
    "standingInstruction": { "data": {
            "amount": "15000",
            "numberOfPayments": "N",
            "frequency": "MONTHLY",
            "type": "FIXED",
            "startDate": "20260903"
        } },
    "paymentData": {
        "totalAmount": "10.00",
        "txnCurrency": "INR",
        "cardData": {
            "number": "4111111111111111",
            "expiryMonth": "05",
            "expiryYear": "2026",
            "securityCode": "111"
        },
        "billingData": {
            "firstName": "John",
            "lastName": "Doe",
            "addressStreet1": "221B Baker Street",
            "addressCity": "Bengaluru",
            "addressCountry": "IND",
            "emailId": "john.doe@example.com",
            "callingCode": "+91",
            "phoneNumber": "9999999999"
        }
    }
}
headers = {
    "x-gl-token-external": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

HttpResponse<String> response = Unirest.post("https://api.payglocal.in/gl/v1/payments/initiate")
  .header("x-gl-token-external", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"merchantTxnId\": \"23AEE8CB6B62EE2AF07\",\n  \"merchantUniqueId\": \"IFNN939494NJFJ\",\n  \"merchantCallbackURL\": \"https://api.prod.payglocal.in/gl/v1/payments/merchantCallback\",\n  \"standingInstruction\": {\n    \"data\": {\n      \"amount\": \"15000\",\n      \"numberOfPayments\": \"N\",\n      \"frequency\": \"MONTHLY\",\n      \"type\": \"FIXED\",\n      \"startDate\": \"20260903\"\n    }\n  },\n  \"paymentData\": {\n    \"totalAmount\": \"10.00\",\n    \"txnCurrency\": \"INR\",\n    \"cardData\": {\n      \"number\": \"4111111111111111\",\n      \"expiryMonth\": \"05\",\n      \"expiryYear\": \"2026\",\n      \"securityCode\": \"111\"\n    },\n    \"billingData\": {\n      \"firstName\": \"John\",\n      \"lastName\": \"Doe\",\n      \"addressStreet1\": \"221B Baker Street\",\n      \"addressCity\": \"Bengaluru\",\n      \"addressCountry\": \"IND\",\n      \"emailId\": \"john.doe@example.com\",\n      \"callingCode\": \"+91\",\n      \"phoneNumber\": \"9999999999\"\n    }\n  }\n}")
  .asString();

const url = 'https://api.payglocal.in/gl/v1/payments/initiate';
const options = {
  method: 'POST',
  headers: {'x-gl-token-external': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    merchantTxnId: '23AEE8CB6B62EE2AF07',
    merchantUniqueId: 'IFNN939494NJFJ',
    merchantCallbackURL: 'https://api.prod.payglocal.in/gl/v1/payments/merchantCallback',
    standingInstruction: {
      data: {
        amount: '15000',
        numberOfPayments: 'N',
        frequency: 'MONTHLY',
        type: 'FIXED',
        startDate: '20260903'
      }
    },
    paymentData: {
      totalAmount: '10.00',
      txnCurrency: 'INR',
      cardData: {
        number: '4111111111111111',
        expiryMonth: '05',
        expiryYear: '2026',
        securityCode: '111'
      },
      billingData: {
        firstName: 'John',
        lastName: 'Doe',
        addressStreet1: '221B Baker Street',
        addressCity: 'Bengaluru',
        addressCountry: 'IND',
        emailId: 'john.doe@example.com',
        callingCode: '+91',
        phoneNumber: '9999999999'
      }
    }
  })
};

fetch(url, options)
  .then(res => res.json())
  .then(json => console.log(json))
  .catch(err => console.error(err));

{
  "gid": "gl_o-a057c4d6b6c620741apzp0ZX2",
  "status": "INPROGRESS",
  "message": "Transaction Created Successfully",
  "timestamp": "02/06/2026 21:47:33",
  "reasonCode": "200",
  "data": {
    "redirectUrl": "https://api.uat.payglocal.in/gl/payflow-ui/?x-gl-token=example",
    "statusUrl": "https://api.uat.payglocal.in/gl/v1/payments/gl_o-a057c4d6b6c620741apzp0ZX2/status?x-gl-token=example",
    "merchantTxnId": "23AEE8CB6B62EE2AF07",
    "mandateId": "md_925996a0-9da6-42df-b968-8a14729885fd"
  },
  "errors": null
}

{
  "gid": "gl_9c2645ed09edb22e",
  "status": "REQUEST_ERROR",
  "message": "Authentication failed, please contact support.",
  "timestamp": "10/01/2026 15:00:00",
  "reasonCode": "GL-400-001",
  "data": {},
  "errors": {
    "detailedMessage": "Authentication failed, please contact support.",
    "displayMessage": "Something went wrong. We'll take you back to checkout so that you can try again."
  },
  "errorDetails": {}
}

{
  "gid": "gl_9c2645ed09edb22e",
  "status": "BLACKLIST_MATCH",
  "message": "You are not allowed to onboard on this platform. Please contact support.",
  "timestamp": "10/01/2026 15:00:00",
  "reasonCode": "GL-403-001",
  "data": {},
  "errors": {
    "detailedMessage": "You are not allowed to onboard on this platform, please contact support.",
    "displayMessage": "Something went wrong. We'll take you back to checkout so that you can try again."
  },
  "errorDetails": {}
}

{
  "gid": "gl_9c2645ed09edb22e",
  "status": "REQUEST_ERROR",
  "message": "Authentication failed, please contact support.",
  "timestamp": "10/01/2026 15:00:00",
  "reasonCode": "GL-400-001",
  "data": {},
  "errors": {
    "detailedMessage": "Authentication failed, please contact support.",
    "displayMessage": "Something went wrong. We'll take you back to checkout so that you can try again."
  },
  "errorDetails": {}
}

Partner APIs: Merchant Onboarding

Payment APIs

Partner APIs: MCA

PayDirect Standing Instruction: Auto Debit

AUTO DEBIT standing instructions

Key points

Supported payment methods

API

Headers

Next actions

Authorizations

Body

Response

​AUTO DEBIT standing instructions

​Key points

​Supported payment methods

​API

​Headers

​Next actions

Authorizations

Body

Response

AUTO DEBIT standing instructions

Key points

Supported payment methods

API

Headers

Next actions