# Jodo > Jodo is a Bengaluru-based fintech that automates fee collection for Indian educational institutes. > Its public ERP Integrations API connects an institute's ERP, finance or student-information system > to three products: Flex (fees paid in instalments under an auto-debit mandate), Pay (student-linked > collections, hosted checkout orders and shareable payment links) and Cred (education loans > originated with NBFC partners). 25 REST operations and 36 webhook events are documented. Generated by API Evangelist on 2026-08-23 from Jodo's public documentation at https://docs.jodo.in/. This file is a third-party index, not published by Jodo. Jodo serves no /llms.txt of its own (https://docs.jodo.in/llms.txt returns HTTP 404). ## What an agent needs to know first - Authentication is HTTP Basic. Jodo issues an API key and secret per institute per environment and shares them out of band. There is no self-service signup, no OAuth, and no scopes — one credential authorises every operation, including creating collectible payment links. - There is no published OpenAPI or AsyncAPI document. The contract in this repo was reconstructed from Jodo's own reference pages. - No request-level idempotency exists. Do not blind-retry a POST that creates an order or a payment link; read back with the matching GET first. - No pagination is documented on any list operation. You cannot tell whether a list is complete. - No rate limit numbers or headers are published, though 429 is a documented status. Back off exponentially. - Refunds do not exist in the published API. Cancellation exists for manual payments, payment links and webhook subscriptions only, and Jodo states no time window for any of them. ## Environments - Production base URL: https://ext.jodo.in (api.jodo.in is the documented auth host and 301s here) - UAT base URL: https://ext.devtest1.jodopay.com - Institute dashboard: https://dashboard.jodo.in — Customer dashboard: https://app.jodo.in - Environments are separated by hostname, not by a key prefix. No test cards, test VPAs or magic values are published. - https://docs.jodo.in/getting-started/environments/ ## Get started - Introduction: https://docs.jodo.in/getting-started/introduction/ - Environments: https://docs.jodo.in/getting-started/environments/ - Authentication: https://docs.jodo.in/getting-started/authentication/ - API structure, errors, rate limits, update guidelines: https://docs.jodo.in/getting-started/api-structure/ - Integration patterns (pull / push / order): https://docs.jodo.in/getting-started/integration-patterns/overview/ ## Users - Register User — POST /api/v1/integrations/erp/users/register — https://docs.jodo.in/user/api/register-user/ - Get Access Token — GET /api/v1/integrations/erp/users/{registration_id}/access_token — https://docs.jodo.in/user/api/get-access-token/ Mints a short-lived token for the hosted flow at /consumer/login-redirect. Credential-issuing; keep server-side. ## Students (shared by Flex, Pay and Cred) - Register Student — POST /api/v1/integrations/erp/users/{registration_id}/students — https://docs.jodo.in/student/api/register-student/ - Get Student — GET /api/v1/integrations/erp/students/{jodo_student_id} — https://docs.jodo.in/student/api/get-student/ - Update Student — PATCH /api/v1/integrations/erp/students/{jodo_student_id} — https://docs.jodo.in/student/api/update-student/ - Update Fee — PATCH /api/v1/integrations/erp/students/{jodo_student_id}/fee — https://docs.jodo.in/student/api/update-fee/ - List Products — GET /api/v1/integrations/erp/students/{jodo_student_id}/products — https://docs.jodo.in/student/api/list-products/ - List Payments — GET /api/v1/integrations/erp/students/{jodo_student_id}/payments — https://docs.jodo.in/student/api/list-payments/ - Add Payment — POST /api/v1/integrations/erp/students/{jodo_student_id}/payments — https://docs.jodo.in/student/api/add-payment/ - Cancel Payment — DELETE /api/v1/integrations/erp/students/{jodo_student_id}/payments/{transaction_id} — https://docs.jodo.in/student/api/cancel-payment/ Manual/direct payments only, using the same transaction_id that was supplied on Add Payment. ## Flex — instalment plans - Overview: https://docs.jodo.in/flex/overview/ - Manage Flex Plan — POST /api/v1/integrations/flex/students/{jodo_student_id}/plans — https://docs.jodo.in/flex/api/manage-flex-plan/ - Get Flex Schedule — GET /api/v1/integrations/flex/students/{jodo_student_id}/plans — https://docs.jodo.in/flex/api/get-flex-schedule/ - Subscriptions and mandates have no REST read operation — their state arrives only as webhooks. ## Pay — orders and payment links - Overview: https://docs.jodo.in/pay/overview/ - Create Pay Order — POST /api/v1/integrations/pay/orders — https://docs.jodo.in/pay/api/create-order/ - Get Pay Order — GET /api/v1/integrations/pay/orders/{order_id} — https://docs.jodo.in/pay/api/get-order/ - Create Payment Link — POST /api/v1/integrations/pay/payment_links — https://docs.jodo.in/pay/api/create-payment-link/ - Get Payment Link — GET /api/v1/integrations/pay/payment_links/{order_id} — https://docs.jodo.in/pay/api/get-payment-link/ - Cancel Payment Link — DELETE /api/v1/integrations/pay/payment_links/{order_id} — https://docs.jodo.in/pay/api/cancel-payment-link/ ## Cred — education loans - Overview: https://docs.jodo.in/cred/overview/ - No REST operations. The entire loan lifecycle is delivered as nine webhook events. - Lending partners and DLG disclosure: https://www.jodo.in/lending-partners/ ## Configuration - List Branches — GET /api/v1/integrations/erp/branches — https://docs.jodo.in/configuration/api/list-branches/ - List Grades — GET /api/v1/integrations/erp/grades — https://docs.jodo.in/configuration/api/list-grades/ - List Fee Components — GET /api/v1/integrations/erp/fee-components — https://docs.jodo.in/configuration/api/list-fee-components/ - List Discounts — GET /api/v1/integrations/erp/discounts — https://docs.jodo.in/configuration/api/list-discounts/ - Add Webhook — POST /api/v1/integrations/erp/webhooks — https://docs.jodo.in/configuration/api/add-webhook/ - List Webhooks — GET /api/v1/integrations/erp/webhooks — https://docs.jodo.in/configuration/api/list-webhooks/ - Get Webhook — GET /api/v1/integrations/erp/webhooks/{webhook_id} — https://docs.jodo.in/configuration/api/get-webhook/ - Disable Webhook — DELETE /api/v1/integrations/erp/webhooks/{webhook_id} — https://docs.jodo.in/configuration/api/disable-webhook/ - Grade, fee-component and discount codes are agreed bilaterally per institute — always read them at runtime rather than hard-coding. ## Webhooks — 36 events - Integration guide: https://docs.jodo.in/webhooks/handling-webhook-events/ - Reliability (retries, idempotency, auto-disable): https://docs.jodo.in/webhooks/reliability/ - Security (custom header, IP allowlist, HMAC signature): https://docs.jodo.in/webhooks/security/ - Envelope: { event_id, event, timestamp, version, payload }. Deduplicate on event_id. - Delivery is at-least-once. Return 2xx quickly and process asynchronously. Jodo retries up to 5 times across 6-hour and 24-hour intervals for up to 3 days, then disables the subscription after 100 continuous failures in production (10 in UAT). - Signature: HMAC SHA-256 over the raw body, compared against X-Jodo-Signature. - Event families: masterdata.student.* (3), direct.payment.* (3), flex.* (12), pay/order/page/ payment_link.payment.* (9), cred.* (9). ## Platform integration - Overview: https://docs.jodo.in/platforms/overview/ - Web: https://docs.jodo.in/platforms/web/ — Android: https://docs.jodo.in/platforms/android/ — React Native: https://docs.jodo.in/platforms/react-native/ - Always mint redirect_url server-side. Treat the callback_url as a navigation signal, never as proof of payment — confirm server-side via the Get APIs and webhooks. - These are WebView recipes, not SDKs. Jodo publishes no client libraries in any package registry. ## Company - Website: https://www.jodo.in/ — About: https://www.jodo.in/about-us/ - Status page: https://status.jodo.in/ (Atlassian Statuspage; "Integration APIs" is a tracked component) - Trust Vault: https://compliance.jodo.in/ — Blog: https://www.jodo.in/blog/ - Grievance redressal: https://www.jodo.in/grievance-redressal/ - Terms: https://www.jodo.in/terms-and-conditions/ — Privacy: https://www.jodo.in/privacy-policy/ - GitHub: https://github.com/jodohq (no public repositories) ## Artifacts in this profile - openapi/jodo-integrations-openapi.yml — 25 operations, reconstructed from the published reference - asyncapi/jodo-webhooks-asyncapi.yml — 36 webhook events - authentication/, conventions/, errors/, lifecycle/, rate-limits/, plans/, sandbox/, conformance/, data-model/, packages/, security/, well-known/, mcp/, skills/, overlays/