> ## 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.

# Overview

> Recurring payments with pre-authorized mandates — subscriptions, EMIs, utility bills, and any scenario requiring automatic recurring charges.

## Standing Instructions (SI)

Standing Instructions enable merchants to charge customers on a recurring basis with **pre-authorized mandates**. Perfect for subscriptions, EMI payments, utility bills, and any scenario requiring automatic recurring charges.

> **Key Concept:** Customers authorize once during the initial payment, and the returned **Mandate ID** allows subsequent charges without re-authentication.

<CardGroup cols={2}>
  <Card title="Mandate-Based" icon="file-signature" color="#1A6FE8">
    One-time authorization for multiple payments.
  </Card>

  <Card title="Flexible Types" icon="sliders" color="#F59E0B">
    Fixed amount or Variable within ceiling.
  </Card>

  <Card title="Auto or Manual" icon="robot" color="#10B981">
    AutoDebit or ONDEMAND merchant control.
  </Card>

  <Card title="Secure & Compliant" icon="shield-check" color="#8B5CF6">
    PCI DSS compliant automated billing.
  </Card>
</CardGroup>

<Note>
  Standing Instructions are supported for **international cards only**. Available for both [Checkout Flow (PayCollect)](/merchant/paycollect/overview) and [Seamless Flow (PayDirect)](/merchant/paydirect/overview) integrations.
</Note>

***

## Creating a Mandate (SI Initiate)

SI Initiate is the foundation of recurring payments. It creates a mandate during the first payment, giving you permission for future charges. **Always the first step.**

Include the `standingInstruction.data` block in your initial GPI request:

```json theme={null}
{
  "merchantTxnId": "23AEE8CB6B62EE2AF07",
  "paymentData": {
    "totalAmount": "89",
    "txnCurrency": "USD"
  },
  "standingInstruction": {
    "data": {
      "amount":           "89",
      "maxAmount":        "500",
      "numberOfPayments": "12",
      "frequency":        "MONTHLY",
      "type":             "FIXED",
      "startDate":        "20260601"
    }
  },
  "merchantCallbackURL": "https://www.yoursite.com/callback"
}
```

### Response

```json theme={null}
{
  "gid": "gl-13bbd3c4-9817-4786-96c6-12fa6191f118",
  "status": "CREATED",
  "data": {
    "redirectUrl": "https://...",
    "mandateId":   "md_94f0bb40-2664-4851-ab83-b86c618d3e15"
  }
}
```

<Warning>
  **Store the Mandate ID** — you'll need it for all future operations: charging, pausing, activating, or checking status.
</Warning>

***

## Fixed vs Variable Mandates

<CardGroup cols={2}>
  <Card title="Fixed SI" icon="lock" color="#1A6FE8">
    Same amount charged every time. Perfect for subscriptions, EMIs, predictable recurring billing.

    **Required:** `amount`, `numberOfPayments`, `frequency`
  </Card>

  <Card title="Variable SI" icon="chart-bar" color="#F59E0B">
    Each charge can vary up to a ceiling. Perfect for utility bills, usage-based services.

    **Required:** `maxAmount`, `numberOfPayments`, `frequency`
  </Card>
</CardGroup>

### Frequency Options

`ONDEMAND` · `DAILY` · `WEEKLY` · `BIWEEKLY` · `MONTHLY` · `QUARTERLY` · `HALFYEARLY` · `YEARLY`

***

## Auto Debit vs On-Demand

<CardGroup cols={2}>
  <Card title="Fixed + Auto Debit" icon="robot" color="#10B981">
    **`frequency`: DAILY / WEEKLY / MONTHLY**

    PayGlocal automatically debits the fixed amount on schedule. Zero merchant intervention after mandate setup.
  </Card>

  <Card title="Variable + On-Demand" icon="hand-pointer" color="#F59E0B">
    **`frequency`: ONDEMAND**

    YOU control both timing AND amount via the [SI On-Demand](/merchant/services/si-on-demand) API.
  </Card>
</CardGroup>

<Note>
  When Auto Debit is enabled for your MID: `ONDEMAND` frequency and `VARIABLE` type are not supported.
</Note>

***

## Auto Debit Webhook Notifications

When Auto Debit is enabled, PayGlocal POSTs to your webhook URL after each automatic debit.

```json theme={null}
{
  "gid":       "gl-13bbd3c4-9817-4786-96c6-12fa6191f118",
  "status":    "SUCCESS",
  "type":      "STANDING_INSTRUCTION",
  "siId":      "si_cd2f0a1c-4dec-44d5-b0f3-297aee590d32",
  "timestamp": "2026-04-12T07:47:18Z",
  "statusUrl": "https://api.prod.payglocal.in/gl/v1/payments/.../status"
}
```

For `FAILURE`, the shape is identical with `"status": "FAILURE"`. Always call `statusUrl` for complete details.

***

## Cancel Mandate

Permanently revoke a mandate.

```
PUT /gl/v1/payments/si/status
```

```json theme={null}
{
  "merchantTxnId": "REVOKE-23AEE8CB6B62EE2AF07",
  "standingInstruction": {
    "action":    "REVOKE",
    "mandateId": "md_94f0bb40-2664-4851-ab83-b86c618d3e15"
  }
}
```

<Note>
  Mandates can also be cancelled through the **PayGlocal Control Center**.
</Note>

***

## Mandate Statuses

| Status      | Description                                             |
| ----------- | ------------------------------------------------------- |
| `ACTIVE`    | Mandate is active and available for subsequent payments |
| `PAUSED`    | Mandate temporarily suspended (instant or scheduled)    |
| `INACTIVE`  | Mandate revoked via API or Control Center               |
| `EXHAUSTED` | All configured payments have been processed             |

***

## Manage Your Mandates

<CardGroup cols={2}>
  <Card title="SI On-Demand" icon="hand-pointer" color="#1A6FE8" href="/merchant/services/si-on-demand">
    Trigger a sale against an existing Variable mandate.
  </Card>

  <Card title="SI Status Check" icon="magnifying-glass" color="#8B5CF6" href="/merchant/services/si-status-check">
    Check mandate status, payment history, and next billing date.
  </Card>

  <Card title="SI Pause" icon="circle-pause" color="#F59E0B" href="/merchant/services/si-pause">
    Temporarily suspend a mandate — instantly or scheduled from a future date.
  </Card>

  <Card title="SI Activate" icon="circle-play" color="#10B981" href="/merchant/services/si-activate">
    Resume a paused mandate.
  </Card>
</CardGroup>