> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payglocal.in/llms.txt
> Use this file to discover all available pages before exploring further.
# Standing instruction — on demand
> On-demand SI — register a mandate on PayDirect initiate when PayGlocal has enabled on-demand SI on your MID.
## On-demand standing instructions
**On-demand SI** is a **PayGlocal MID configuration** — not a restriction that `standingInstruction.data.frequency` must be `ONDEMAND`. You can set any supported `frequency` in the request body.
Use this flow when on-demand SI is enabled for your account. Registration uses the same PayDirect initiate endpoint as [GPI](/api-reference/payments-v2/paydirect/gpi) with a `standingInstruction` block.
### Key points
* Register the mandate using the **Initiate API** with `standingInstruction.data` (see **Request body**).
* **`frequency`** (`ONDEMAND`, `WEEKLY`, `MONTHLY`, etc.) is a mandate field only — PayGlocal does **not** auto-debit on that schedule for on-demand SI. You trigger **every** subsequent debit by calling the **[SI sale API](/api-reference/standing-instructions/si-subsequent-payment)** (billing cadence is up to you).
* Subsequent debit amounts:
* **`FIXED`** — same `amount` each time.
* **`VARIABLE`** — up to `maxAmount` per debit.
* **`mandateId`** is returned in the Initiate API response (`data.mandateId`) and must be stored for future mandate operations. It is **not returned again** in later transactions.
***
## Supported payment methods
| Method | Domestic | International |
| ------ | :------: | :-----------: |
| Cards | — | ✓ |
Standing instructions support **international cards** only. In **Request body** → `paymentData`, send **`cardData` only** (`tokenData` is not supported). UPI, net banking, and domestic-only methods are 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
| Header | Mandatory | Description |
| --------------------- | --------- | --------------------------------------------------------------------------------------- |
| `Content-Type` | Yes | `application/json` |
| `x-gl-token-external` | Yes | RSA-signed **JWS** of the request body (see [Key Management](/key-management/overview)) |
| `x-gl-merchantid` | Yes | Your PayGlocal merchant ID (MID) |
| `x-gl-kid` | Yes | Key ID of the private key used to sign the JWS |
Sign the JSON from **Request body** below as the JWS in `x-gl-token-external`, then POST to the URL above.
## Next actions
Store **`data.mandateId`** from the initiate response — it is not returned on later calls.
| Action | API |
| ------------------------------ | ----------------------------------------------------------------------------------- |
| Subsequent debit | [SI subsequent payment](/api-reference/standing-instructions/si-subsequent-payment) |
| Mandate status | [Check mandate status](/api-reference/standing-instructions/si-status) |
| Cancel mandate | [Cancel standing instruction](/api-reference/standing-instructions/si-cancellation) |
| Registration / payment outcome | [Get transaction status](/api-reference/payments-v2/common/get-transaction-status) |
## OpenAPI
````yaml openapi-v2-paydirect-si-on-demand.yaml POST /gl/v1/payments/initiate
openapi: 3.0.3
info:
title: PayDirect initiate — SI on demand (Payments V2)
version: 1.0.0
description: >-
Payments V2 documentation slice. Production calls use `POST
/gl/v1/payments/initiate`.
servers:
- url: https://api.payglocal.in
description: Production
- url: https://api.uat.payglocal.in
description: Sandbox
security: []
paths:
/gl/v1/payments/initiate:
post:
tags:
- Payment
summary: PayDirect on-demand SI — register mandate (request body)
description: >
**Endpoint:** `POST /gl/v1/payments/initiate` — same URL for GPI,
on-demand SI, auto-debit, and authorize; only the request body differs.
For merchants with **on-demand SI** enabled on PayGlocal.
**International cards only.** Request body includes
`standingInstruction.data` (no `captureTxn`).
operationId: paydirectInitiateSIOnDemand
requestBody:
required: true
content:
application/json:
schema:
$ref: '#/components/schemas/TransactionRequestPayDirectSIOnDemand'
examples:
si_on_demand_variable:
summary: ONDEMAND — VARIABLE
value:
merchantTxnId: 23AEE8CB6B62EE2AF07
merchantUniqueId: IFNN939494NJFJ
merchantCallbackURL: >-
https://api.prod.payglocal.in/gl/v1/payments/merchantCallback
standingInstruction:
data:
maxAmount: '15000'
amount: '15000'
numberOfPayments: 'N'
frequency: ONDEMAND
type: VARIABLE
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'
responses:
'200':
description: >
Returned immediately from initiate. Redirect the customer to
`data.redirectUrl`, then poll `data.statusUrl` or [Get Transaction
Status](/api-reference/payments-v2/common/get-transaction-status).
When mandate registration succeeds, `data.mandateId` may be present
in `data`.
content:
application/json:
schema:
$ref: '#/components/schemas/ApiResponsePayDirectInitiateSI'
example:
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
'400':
description: >
Invalid request or processing error. Common `reasonCode` values on
initiate:
| Reason code | Typical cause |
|-------------|----------------|
| `GL-400-001` | Invalid request fields or error processing request
|
| `GL-201-020` | Card domicile or card type not set up in merchant
config; merchant configuration mismatch |
content:
application/json:
schema:
$ref: '#/components/schemas/BadRequestErrorResponse'
'403':
$ref: '#/components/responses/Forbidden'
'429':
description: >
Too many requests with the same `merchantUniqueId`. `reasonCode` is
typically `GL-400-001`.
content:
application/json:
schema:
$ref: '#/components/schemas/BadRequestErrorResponse'
security:
- JwsTokenAuth: []
components:
schemas:
TransactionRequestPayDirectSIOnDemand:
allOf:
- $ref: '#/components/schemas/PayDirectInitiateFields'
- type: object
description: >
Standing instruction registration when on-demand SI is enabled on
the MID.
**International cards only** (`paymentData.cardData`).
required:
- merchantTxnId
- paymentData
- merchantCallbackURL
- standingInstruction
properties:
paymentData:
$ref: '#/components/schemas/PaymentPayDirectInitiateCard'
description: >
**International cards only.** Send **`cardData` only** —
`tokenData` is not supported for standing instruction
registration.
standingInstruction:
$ref: '#/components/schemas/StandingInstructionPayDirectOnDemand'
ApiResponsePayDirectInitiateSI:
type: object
description: >
Response envelope for PayDirect standing instruction initiate (`200`).
`data` may include `mandateId`.
No fields in this envelope are marked required.
properties:
gid:
type: string
description: PayGlocal transaction ID. Use for status, capture, and refund APIs.
example: gl_o-a057c4d6b6c620741apzp0ZX2
status:
type: string
description: >-
High-level status. Typically `INPROGRESS` immediately after
initiate.
example: INPROGRESS
message:
type: string
description: Human-readable status message.
example: Transaction Created Successfully
timestamp:
type: string
description: Response timestamp (`DD/MM/YYYY HH:MM:SS`).
example: 02/06/2026 21:47:33
reasonCode:
type: string
description: >-
Success code on initiate (e.g. `200`). See `4xx` responses for error
codes.
example: '200'
data:
$ref: '#/components/schemas/InitiateResponseDataSI'
errors:
type: object
nullable: true
description: '`null` on success.'
additionalProperties:
type: string
BadRequestErrorResponse:
type: object
properties:
gid:
type: string
example: gl_9c2645ed09edb22e
status:
description: >-
High-level status of this API response. See [GPI Transaction
Statuses](/payment-services/get-status-service#gpi-transaction-statuses).
type: string
example: REQUEST_ERROR
message:
type: string
example: Authentication failed, please contact support.
timestamp:
type: string
example: 10/01/2026 15:00:00
reasonCode:
type: string
example: GL-400-001
data:
type: object
nullable: true
errors:
type: object
example:
detailedMessage: Authentication failed, please contact support.
displayMessage: >-
Something went wrong. We'll take you back to checkout so that you
can try again.
errorDetails:
type: object
nullable: true
PayDirectInitiateFields:
type: object
properties:
merchantTxnId:
type: string
description: Merchant's unique transaction identifier. Alphanumeric only.
minLength: 4
maxLength: 50
example: 23AEE8CB6B62EE2AF07
merchantUniqueId:
type: string
description: >-
Optional stable merchant-side ID for idempotency and reconciliation.
Alphanumeric only.
minLength: 15
maxLength: 40
example: IFNN939494NJFJ
riskData:
allOf:
- $ref: '#/components/schemas/RiskPayDirectInitiate'
description: Recommended for fraud checks and processor compliance.
merchantCallbackURL:
type: string
format: uri
description: Customers are redirected here post payment completion.
example: https://api.prod.payglocal.in/gl/v1/payments/merchantCallback
PaymentPayDirectInitiateCard:
allOf:
- $ref: '#/components/schemas/PaymentPayDirectInitiateCommon'
- type: object
description: PayDirect initiate with raw card PAN (`cardData`).
required:
- totalAmount
- txnCurrency
- cardData
properties:
cardData:
$ref: '#/components/schemas/Card'
StandingInstructionPayDirectOnDemand:
type: object
required:
- data
properties:
data:
$ref: '#/components/schemas/SIDataPayDirectOnDemand'
InitiateResponseDataSI:
allOf:
- $ref: '#/components/schemas/InitiateResponseData'
- type: object
description: >
Standing instruction registration may also return **`mandateId`** in
`data` — store it for SI sale, status, and cancel.
properties:
mandateId:
type: string
description: >
PayGlocal mandate identifier when `standingInstruction` was
sent. Not returned on later transactions.
example: md_925996a0-9da6-42df-b968-8a14729885fd
ForbiddenErrorResponse:
type: object
properties:
gid:
type: string
example: gl_9c2645ed09edb22e
status:
type: string
description: >-
High-level status of this API response. See [GPI Transaction
Statuses](/payment-services/get-status-service#gpi-transaction-statuses).
example: BLACKLIST_MATCH
message:
type: string
example: >-
You are not allowed to onboard on this platform. Please contact
support.
timestamp:
type: string
example: 10/01/2026 15:00:00
reasonCode:
type: string
example: GL-403-001
data:
type: object
nullable: true
errors:
type: object
example:
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:
type: object
nullable: true
RiskPayDirectInitiate:
type: object
description: >
Fraud-assessment payload processed by PayGlocal's risk engine. Sending
complete risk
data helps prevent fraudulent transactions and improves approval rates.
**Required for international card transactions.** For RuPay cards,
`customerData.ipAddress`, `customerData.httpAccept`, and
`customerData.httpUserAgent`
are also required.
properties:
customerData:
$ref: '#/components/schemas/Customer'
description: Payer identity and device context. Preferred for all transactions.
shippingData:
allOf:
- $ref: '#/components/schemas/Shipping'
description: >-
Delivery address. Required for e-commerce (physical goods)
transactions.
orderData:
type: array
description: Line items in the order. Preferred for all transactions.
items:
$ref: '#/components/schemas/RiskItem'
flightData:
type: array
description: Flight booking details. Required for airline / travel transactions.
items:
$ref: '#/components/schemas/RiskFlightBooking'
PaymentPayDirectInitiateCommon:
type: object
properties:
totalAmount:
type: string
description: >-
Transaction amount as a decimal string. Supports up to 4 decimal
places.
example: '100.00'
txnCurrency:
type: string
description: >-
ISO 4217 currency code. Must be uppercase (e.g. `INR`, `USD`,
`EUR`).
example: INR
billingData:
allOf:
- $ref: '#/components/schemas/Billing'
description: >
Cardholder billing address. Required for digital product / service
transactions
and flight bookings. Preferred for all other transaction types.
Card:
type: object
description: >-
Raw card data. **Mandatory** on PayDirect initiate unless you send
`tokenData` instead (one of the two, not both).
required:
- number
- expiryMonth
- expiryYear
- securityCode
properties:
number:
type: string
description: Primary Account Number (PAN). Digits only, support 12-16 digit PAN.
example: '4111111111111111'
expiryMonth:
type: string
description: Two/Four-digit expiry month.
example: '12'
expiryYear:
type: string
description: Four-digit expiry year.
example: '2030'
securityCode:
type: string
description: CVV / CVC.
example: '123'
SIDataPayDirectOnDemand:
type: object
description: >
Mandate fields for standing instruction registration when **on-demand
SI** is enabled on your PayGlocal MID.
`frequency` is not limited to `ONDEMAND` — set the schedule you need.
Do **not** send `startDate` or `endDate` — those apply only to [auto
debit](/api-reference/payments-v2/paydirect/si-auto-debit).
required:
- maxAmount
- amount
- numberOfPayments
- frequency
- type
properties:
maxAmount:
type: string
description: >-
Maximum debit amount for recurring transactions. Numeric string.
Used when `type` is `VARIABLE` (debit ≤ `maxAmount` per
transaction).
example: '15000'
amount:
type: string
description: >-
Fixed mandate debit amount. Numeric string. Used when `type` is
`FIXED` (exact amount each debit).
example: '15000'
numberOfPayments:
type: string
description: >-
Total recurring debits allowed. Any positive integer from `1` to
`N`, or `"N"` for unlimited / infinite recurring debits.
example: 'N'
frequency:
type: string
description: >
Mandate schedule label (`ONDEMAND`, `WEEKLY`, `MONTHLY`, etc.). When
**on-demand SI** is enabled on your MID, PayGlocal does **not**
auto-debit on this schedule — you trigger each subsequent payment
manually via the [SI sale
API](/api-reference/standing-instructions/si-subsequent-payment),
regardless of `frequency`.
enum:
- ONDEMAND
- WEEKLY
- BIWEEKLY
- MONTHLY
- QUARTERLY
- HALFYEARLY
- YEARLY
type:
type: string
description: '`VARIABLE` (≤ `maxAmount`) or `FIXED` (exact `amount` each debit).'
enum:
- FIXED
- VARIABLE
InitiateResponseData:
type: object
description: >
`data` on a successful PayDirect initiate (`200`). **GPI and auth-only**
responses use this shape (no `mandateId`).
No response fields are marked required — typical GPI payloads include
`redirectUrl`, `statusUrl`, and `merchantTxnId`.
properties:
redirectUrl:
type: string
format: uri
description: >-
Redirect the customer's browser here via **HTTP GET** to complete
3DS / step-up.
example: https://api.uat.payglocal.in/gl/payflow-ui/?x-gl-token=example
statusUrl:
type: string
format: uri
description: >-
Pre-authenticated URL to poll status after the customer completes
payment.
example: >-
https://api.uat.payglocal.in/gl/v1/payments/gl_o-a057c4d6b6c620741apzp0ZX2/status?x-gl-token=example
merchantTxnId:
type: string
description: Echo of `merchantTxnId` from the initiate request body.
example: 23AEE8CB6B62EE2AF07
Customer:
type: object
description: Payer identity and device context for risk evaluation.
properties:
merchantAssignedCustomerId:
type: string
example: cust_12345
customerAccountType:
type: string
description: Merchant-defined account type code for risk scoring.
customerSuccessOrderCount:
type: string
description: Historical successful order count (stringified integer).
customerAccountCreationDate:
type: string
description: Account creation date in YYYYMMDD format.
example: '20180904'
firstName:
type: string
lastName:
type: string
emailId:
type: string
format: email
callingCode:
type: string
mobileNumber:
type: string
ipAddress:
type: string
description: Customer IP address. Required for RuPay cards.
example: 192.90.40.98
httpAccept:
type: string
description: Browser Accept header. Required for RuPay cards.
example: text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8
httpUserAgent:
type: string
description: Browser User-Agent header. Required for RuPay cards.
example: Mozilla/5.0 (Windows NT 10.0; Win64; x64)
Shipping:
type: object
description: Delivery address for physical-goods orders.
properties:
firstName:
type: string
lastName:
type: string
emailId:
type: string
format: email
callingCode:
type: string
phoneNumber:
type: string
addressStreet1:
type: string
addressStreet2:
type: string
addressCity:
type: string
addressState:
type: string
addressPostalCode:
type: string
addressCountry:
type: string
description: ISO 3166-1 alpha-3 country code.
example: IND
RiskItem:
type: object
description: Single line-item in the order for risk analytics.
properties:
productDescription:
type: string
example: Apple AirPods Pro
productSKU:
type: string
example: MNO00390
productType:
type: string
example: Electronics
itemUnitPrice:
type: string
example: '12000.00'
itemQuantity:
oneOf:
- type: integer
- type: string
example: '1'
RiskFlightBooking:
type: object
properties:
agentCode:
type: string
agentName:
type: string
reservationCode:
type: string
example: NQM2SR
legData:
type: array
items:
$ref: '#/components/schemas/RiskFlightLeg'
passengerData:
type: array
items:
$ref: '#/components/schemas/RiskFlightPassenger'
Billing:
type: object
description: Billing address and contact details of the payer.
properties:
firstName:
type: string
example: John
lastName:
type: string
example: Doe
emailId:
type: string
format: email
example: john.doe@example.com
callingCode:
type: string
example: '+91'
phoneNumber:
type: string
example: '9999999999'
addressStreet1:
type: string
example: 221B Baker Street
addressStreet2:
type: string
addressCity:
type: string
example: Bengaluru
addressState:
type: string
example: Karnataka
addressStateCode:
type: string
example: KA
addressPostalCode:
type: string
example: '560001'
addressCountry:
type: string
description: ISO 3166-1 alpha-3 country code.
example: IND
RiskFlightLeg:
type: object
properties:
flightNumber:
type: string
example: AI202
departureAirportCode:
type: string
example: AUH
departureDate:
type: string
description: Departure date in YYYYMMDD format.
example: '20230905'
arrivalAirportCode:
type: string
example: BLR
carrierCode:
type: string
example: AI
RiskFlightPassenger:
type: object
properties:
firstName:
type: string
example: Sam
lastName:
type: string
example: Thomas
email:
type: string
format: email
example: sam.thomas@example.com
responses:
Forbidden:
description: |
Merchant is blacklisted and not permitted to transact on this platform.
content:
application/json:
schema:
$ref: '#/components/schemas/ForbiddenErrorResponse'
securitySchemes:
JwsTokenAuth:
type: apiKey
in: header
name: x-gl-token-external
description: >
RSA-signed JWS (JSON Web Signature) token carrying the request payload.
- Header: `{ "alg": "RS256", "kid": "", "iss":
"", "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.
````