Execute Redemption

The Redemption API is used to debit the payment from the user’s bank account as part of a recurring payment. By calling this API, the merchant requests the system to initiate the payment transfer to process the required amount from the user’s account.

The targetDate must be set for a minimum of tomorrow and up to three days following the day the merchant requests redemption. For example, if the request is made on April 22nd, the target date can be the 23rd, 24th, or 25th, but not the 26th or a previous date

Environment

Environment	HTTP Method	API
Sandbox	`POST`	https://api-preprod.phonepe.com/apis/pg-sandbox/subscriptions/v2/redeem
Production	`POST`	https://api.phonepe.com/apis/pg/subscriptions/v2/redeem

Request

Header Name	Header Value	Description
Content-Type	application/json
Authorization	O-Bearer <access_token>	Pass access_token received in Authorization call

Request Parameter

Parameter Name	Data Type	Description
`merchantOrderId`	String	Merchant’s unique reference for this specific debit attempt
`amount`	Long	Amount to be debited in paisa
`currency`	String	Currency code (e.g., INR)
`paymentFlow.type`	String	Flow type (e.g., SUBSCRIPTION_REDEMPTION)
`paymentFlow.merchantSubscriptionId`	String	The ID of the Active mandate to be debited
`paymentFlow.targetDate`	String	Scheduled date for the debit (YYYY-MM-DD)

Sample Request

{    
	"merchantOrderId":"MO17223195610091279",
    "amount": 20000000,
    "currency": "INR",
    "paymentFlow": {
        "type": "SUBSCRIPTION_REDEMPTION",
        "merchantSubscriptionId": "MS1769569283073",
        "targetDate": "2026-01-29"
    }
}

Response

Sample Response

{
    "transactionId": "OM2602020856372873970400",
    "state": "PENDING"
}

Response Parameter

Parameter Name	Data Type	Description
transactionId	String	PG internal transaction reference
state	String	Immediate state of the request (e.g., PENDING)