Create LRS SIP

This guide creates an LRS SIP for an investor and hands the plan's link to them. Read LRS SIP first for how instalments, pay windows and reminders work.

• LRS and LRS SIP are enabled for your business. Contact Glomo support to set them up.
• The investor is a customer of your business, and lives in India.
• You have your API key. See Get started.

Every instalment is paid from one Indian bank account, fixed when you create the plan. Register it with Register a customer's LRS bank account, and keep the returned id (acclrs_...).

curl -X POST 'https://api.glomopay.com/api/v1/customer/cust_6812ab4c9TzQe/bank_account' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "bank_code": "hdfc",
    "account_number": "50100123456789"
  }'

If the investor already has an LRS bank account with you, you can use its id. Use an account from this endpoint, not from POST /customer/{id}/bank-accounts.

Call Create a subscription. You do not send a type. Glomo creates an LRS SIP because your business has LRS SIP enabled and the customer lives in India.

curl -X POST 'https://api.glomopay.com/api/v1/subscriptions' \
  -H 'Authorization: Bearer <YOUR_JWT_HERE>' \
  -H 'Content-Type: application/json' \
  -d '{
    "customer_id": "cust_6812ab4c9TzQe",
    "bank_account_id": "acclrs_6812ab4cK2mTd",
    "start_date": "2026-10-15",
    "amount": 50000,
    "currency": "USD",
    "interval_type": "month",
    "interval_count": 1,
    "billing_cycles": 12,
    "product_name": "Monthly SIP",
    "reference_number": "merchant-ref-123",
    "remittance_information": "FOLIO-123"
  }'

An LRS SIP accepts only these fields:

Any other field returns a 400 that names it. This includes the card subscription fields expires_at, notify_customer, starts_with_first_payment, max_amount and split_ids, even when their value is false, null or empty. Field names in camelCase, such as bankAccountId, are accepted.

The response is the subscription, with 201:

{
  "id": "sub_6812ab4dHq7Ls",
  "status": "active",
  "start_date": "2026-10-15",
  "end_date": "2027-10-15",
  "billing_cycles": 12,
  "next_payment_date": "2026-10-15",
  "expires_at": null,
  "subscription_link_url": "https://your-dashboard-host.example/subscription-links/sub_6812ab4dHq7Ls",
  "customer_id": "cust_6812ab4c9TzQe",
  "cancelled_at": null,
  "reference_number": "merchant-ref-123",
  "notes": {},
  "payment_method": null,
  "bank_account_id": "acclrs_6812ab4cK2mTd",
  "remittance_information": "FOLIO-123",
  "plan_name": null,
  "plan_description": null,
  "product_name": "Monthly SIP",
  "product_description": null,
  "amount": 50000,
  "currency": "USD",
  "interval_type": "month",
  "interval_count": 1,
  "max_amount": null
}

• status is active at once. It does not mean anything is paid.
• bank_account_id is the account every instalment is paid from. remittance_information is the value you sent, or null.

Every error is a 400 with this body:

{
  "error": "Bad Request",
  "message": "notify_customer is not supported for an LRS SIP"
}

• <field> is not supported for an LRS SIP: remove the field. Send only the fields in step 2.
• LRS SIP is not enabled for this business: contact Glomo support.
• Validation failed: Bank account can't be blank: send bank_account_id.
• Validation failed: Bank account not found for this customer: send an LRS bank account of this customer, from step 1.
• Validation failed: Bank account is with a bank that is not enabled for this business: use an account at a bank that is enabled for your business.
• Validation failed: Amount must be between <minimum> and <maximum>: send an amount within the limits of the account's bank.
• Validation failed: Amount must be a whole dollar amount for an IDFC bank account (for example $100, not $100.50): send a multiple of 100.
• Validation failed: Currency must be USD for an LRS SIP: send USD.
• Validation failed: Start date must be between today and 30 days from today (IST): send a start date in that range.
• Validation failed: Interval type cannot be as_presented for an LRS SIP: use a monthly, quarterly, half-yearly or yearly interval.
• Validation failed: Remittance information is too long (maximum is 20 characters): send at most 20 characters.
• Validation failed: Remittance information is invalid: use only letters, digits and hyphens.
• Validation failed: Remittance information must be a string: send it as a JSON string.
• Validation failed: Notes keys remittance_information are reserved and cannot be used: send remittance_information at the top level, not inside notes.