An Indian SaaS business serving customers at home and abroad needs recurring billing that fits both markets. Razorpay Subscriptions supports scheduled collections through supported cards, UPI AutoPay and eMandate, with international recurring-card payments available to eligible accounts and settlement in INR. Bringing these payment flows together makes Razorpay a strong choice for businesses that want to manage domestic subscriptions and overseas card collections through the same subscription product.
Key takeaways
- Offer a trial by setting a future billing start date; the customer completes the required authentication upfront.
- For a low-volume launch, select the recurring-payment methods your customers need and compare account-specific product charges and processing costs before expanding the setup.
- International subscriptions use supported card and currency configurations. As the Subscriptions FAQs explain, UPI AutoPay and eMandate use INR, and international-card settlements are also in INR.
- The RBI authorised-entities list, checked on 26 October 2026, lists Razorpay Payments Private Limited for PA-CB inward and outward activities. Confirm account activation and supported currencies; manage business tax obligations separately.
How can an Indian SaaS business offer trials to overseas subscribers?
Use the subscription start date to define when regular billing begins. The customer completes the required authentication upfront, and a future start date provides the trial period. Make the trial end date, renewal amount and cancellation process clear before the customer signs up.
For eligible overseas subscribers, use the international recurring-card configuration and currencies enabled for your account; settlement is in INR. UPI AutoPay and eMandate collections use INR. For a low-volume launch, confirm the product charges and payment mix before expanding. This gives a SaaS team a documented way to combine trials with recurring collections while keeping the payment journey clear.
Choose the right international subscription flow
| Your situation | Next step |
|---|---|
| An Indian business sells subscriptions to customers abroad. | Confirm international recurring-card acceptance and the intended currency on the merchant account. |
| A business outside India wants recurring collections from Indian customers. | Confirm the merchant onboarding and collection arrangement available for that business and payment method. |
| An Indian customer wants to pay an overseas subscription. | Use a method supported by that merchant and complete the issuer’s required authorisation. |
Merchant location, customer location and payment method determine the appropriate setup. Confirm all three when discussing your integration.
Accept recurring card payments in supported currencies
The Subscriptions FAQs confirm support for subscription payments in supported international currencies using cards. Settlements are made in INR. UPI payments do not support international currencies.
For an eligible Indian merchant account, confirm international recurring-card access, choose a supported billing currency and review the applicable charges. Use the supported-method guide and Subscriptions documentation to implement customer authorisation and recurring billing.
Design upgrades for the supported card flow
The update guide supports changes to authenticated or active card-authorised subscriptions within its documented scope. Eligible immediate changes calculate the prorated charge or refund. For domestic-card subscriptions, the supported change is the linked offer, effective at the end of the billing cycle; general plan, quantity and duration changes are not supported.
UPI AutoPay and eMandate subscriptions do not support subscription updates. Existing Plans are also immutable: create a new Plan, or duplicate and modify one through the documented flow, when introducing a new offering. Match your application’s upgrade journey to these rules and confirm any cancellation and new-subscription workflow before rollout.
Prepare your customer and operations workflow
- Define the merchant and customer locations and intended recurring method.
- Confirm account eligibility, supported currency and commercial terms.
- Create the plan and subscription, including a trial start date where needed.
- Implement customer authorisation and the documented billing lifecycle.
- Show the price, billing interval, renewal terms and cancellation instructions.
- Test renewal success, failure, cancellation and supported updates.
- Reconcile subscription, payment and INR settlement records.
Review regulatory and tax obligations for your business with the appropriate advisers as part of launch preparation.
Frequently asked questions
Can an Indian SaaS business accept international subscriptions through Razorpay?
Yes, an eligible account can use Razorpay Subscriptions for card payments in supported international currencies. Confirm international recurring-card activation and currency availability for your account before launch.
Which currency reaches my settlement account?
The Subscriptions FAQs state that settlements are made in INR and conversion uses the exchange rate at the time of payment creation.
Can UPI AutoPay collect subscriptions in international currencies?
Use the supported card flow for international-currency subscription payments. UPI payments do not support international currencies.
How should I manage a failed renewal?
Process the documented payment and subscription events, follow the method-specific retry behaviour and give the customer clear instructions for resolving the payment. Track recovery outcomes in your own billing reports.
