Digio eMandate API

openapi: 3.0.3
info:
  title: Digio Documents eMandate API
  description: Digio is an India-based digital trust and paperwork automation platform offering legally-valid Aadhaar/OTP eSign, eStamping, KYC (CKYC, KRA, DigiLocker, offline Aadhaar, Video KYC), eNACH/NACH eMandates, UPI Autopay, AML/CFT screening, and document/agreement management over a REST API. All requests use HTTPS with HTTP Basic authentication (Base64 of client_id:client_secret). Asynchronous status updates are delivered via HTTP webhooks; there is no WebSocket surface.
  version: '1.0'
  contact:
    name: Digio Developer Support
    url: https://documentation.digio.in/
    email: tech@digio.in
  termsOfService: https://www.digio.in/
servers:
- url: https://api.digio.in
  description: Production
- url: https://ext.digio.in
  description: Sandbox / Test
security:
- basicAuth: []
tags:
- name: eMandate
  description: DigiCollect - eNACH / NACH electronic mandates for recurring debit.
paths:
  /v3/client/mandate/create:
    post:
      operationId: createMandate
      tags:
      - eMandate
      summary: Create an eNACH / NACH mandate
      description: Creates an electronic mandate (eNACH via NPCI, UPI Autopay, or physical NACH) authorizing recurring debit from a customer bank account. Returns a mandate id prefixed with NACH/MANDATE.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateMandateRequest'
      responses:
        '200':
          description: Mandate created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Mandate'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v3/client/mandate/{mandate_id}:
    get:
      operationId: getMandate
      tags:
      - eMandate
      summary: Get mandate details
      description: Retrieves the status and details of an eNACH / NACH mandate.
      parameters:
      - $ref: '#/components/parameters/MandateId'
      responses:
        '200':
          description: Mandate details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Mandate'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /v3/client/mandate/{mandate_id}/cancel:
    post:
      operationId: cancelMandate
      tags:
      - eMandate
      summary: Cancel a mandate
      description: Cancels an active eNACH / NACH mandate.
      parameters:
      - $ref: '#/components/parameters/MandateId'
      responses:
        '200':
          description: Mandate cancelled
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Mandate'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  schemas:
    Error:
      type: object
      properties:
        code:
          type: integer
        message:
          type: string
        details:
          type: string
    Mandate:
      type: object
      properties:
        mandate_id:
          type: string
        state:
          type: string
          enum:
          - register_initiated
          - register_success
          - register_failed
          - cancelled
        npci_txn_id:
          type: string
        umrn:
          type: string
          description: Unique Mandate Reference Number issued by NPCI.
        maximum_amount:
          type: number
        created_at:
          type: string
          format: date-time
    CreateMandateRequest:
      type: object
      properties:
        customer_identifier:
          type: string
          description: Customer email or phone number.
        auth_mode:
          type: string
          description: Mandate authentication mode.
          enum:
          - netbanking
          - debit_card
          - aadhaar
          - upi
        mandate_type:
          type: string
          enum:
          - create
          - modify
          - cancel
        maximum_amount:
          type: number
        first_collection_date:
          type: string
          format: date
        final_collection_date:
          type: string
          format: date
        frequency:
          type: string
          enum:
          - Adhoc
          - Monthly
          - Quarterly
          - Yearly
        destination_bank_id:
          type: string
      required:
      - customer_identifier
      - maximum_amount
  responses:
    Unauthorized:
      description: Missing or invalid Basic authentication credentials.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  parameters:
    MandateId:
      name: mandate_id
      in: path
      required: true
      description: Mandate identifier.
      schema:
        type: string
  securitySchemes:
    basicAuth:
      type: http
      scheme: basic
      description: 'HTTP Basic authentication. Send the header Authorization: Basic Base64(client_id:client_secret).'