Frequently Asked Questions (FAQs)
Find answers to frequently asked questions about Recurring Payments using UPI.
Supported Applications
Below are the UPI applications and their handles that support UPI AutoPay:
Frequently used Applications
Below are some of the frequently used UPI applications and their handles:
| Applications | Handles < = ₹ 15,000 | Handles > ₹ 15,000 |
|---|---|---|
| PhonePe | @ybl, @ibl and @axl | N/A |
| GooglePay | @okhdfcbank, @okicici, @oksbi and @okaxis | @okhdfcbank, @okicici, @oksbi and @okaxis |
| Paytm | @paytm | @paytm |
| BHIM | @upi | N/A |
| Amazon Pay | @apl and @yapl | @apl and @yapl |
| IndusInd Bank App | @indus | N/A |
Other Applications
Below are the other UPI applications and their handles:
| Applications | Handles |
|---|---|
| BHIM Axis Pay | @axisbank and @sliceaxis |
| Bhim Baroda Pay | @barodampay |
| BHIM BOI UPI | @boi |
| BHIM DLB UPI | @dlb |
| BHIM IndusPay | @indus |
| Canara Bank | @cnrb |
| iMobile Pay | @icici |
| NSDL Payments Bank | @nsdl |
| DakPay | @postbank |
| MobiKwik | @ikwik |
| Digibank | @dbs |
| PayZapp | @pz |
Supported Banks
Click the below button to download the list of banks that support UPI AutoPay.
The below table gives information about the frequently used intent-supported PSP apps on different platforms and checkout integrations.
| PSP Apps | mWeb | Android SDK | iOS SDK |
|---|---|---|---|
| GPay | x | ✓ | ✓ |
| PhonePe | ✓ | ✓ | ✓ |
| Paytm | ✓ | ✓ | ✓ |
| Amazon Pay | x | x | x |
| BHIM | x | ✓ | x |
Watch Out!
- You should contact our to enable UPI Intent on standard checkout. Watch this video on how to get it enabled.
- UPI Intent is not supported for @oksbi and @okaxis handles.
The below table gives information about the frequently used intent-supported PSP apps for TPV on different platforms and checkout integrations.
| PSP Apps | mWeb | Android SDK | iOS SDK |
|---|---|---|---|
| GPay | ✓ | ✓ | ✓ |
| PhonePe | ✓ | ✓ | x |
| Paytm | ✓ | ✓ | ✓ |
| Amazon Pay | x | ✓ | x |
| BHIM | x | ✓ | x |
Watch Out!
- You should contact our to enable PSP apps other than PhonePe and Paytm on Standard Checkout for UPI TPV. Watch this video on how to get it enabled.
- UPI Intent TPV is not supported for @oksbi and @okaxis handles.
For UPI, the maximum amount for any one transaction is ₹1,00,000, and for BFSI (Banking, Financial Services and Insurance) merchants, it is ₹2,00,000. However, there is no limit on the number of transactions/day.
No, you cannot charge customer payments in international currencies. UPI mandates only support INR payments.
6. For UPI mandates, how long does it take for the token status to move from the initiated state to the confirmed state?
For UPI mandates, the token status is updated from initiated state to the confirmed state in real-time.
| Method | Bank | Expected Time to Complete |
|---|---|---|
| UPI | All supported banks | Real-time. |
7. For UPI mandates, how long does it take a subsequent charge to move from the created state to the authorized state?
For UPI mandates, the following table indicates the time required to update the token status from the created state to the authorized state:
| Method | Bank | Expected Time to Complete |
|---|---|---|
| UPI | All supported banks | 24-36 hours. This is because of the failure of pre-debit notification and/or any retries that we attempt for the payment. |
Pre-debit notifications are notifications sent to consumers 24 hours prior to the payment, allowing customers to pay, pause or cancel the e-mandate.
Yes, you can cancel a UPI mandate from the Razorpay Dashboard or using APIs.
No, it is not possible to modify or update a UPI mandate. However, you can cancel the UPI mandate.
Yes, your customers can cancel a UPI mandate from their UPI app.
Yes, your customers can pause a UPI mandate from their UPI app.
No, it is not possible to modify or update a UPI mandate. However, your customers can pause or cancel the UPI mandate from their UPI app.
15. What are some best practices I can follow when creating subsequent payments for UPI recurring payment?
For UPI, do not create subsequent payments on the last day of the cycle. This will cause the payment to fail.
| PSP apps | Mandate Maximum Amount < = ₹15,000 | Mandate Maximum Amount > ₹15,000 |
|---|---|---|
| PhonePe | Yes | No |
| GooglePay - okhdfcbank | Yes | Yes |
| GooglePay - okaxis | Yes | Yes |
| GooglePay - okicici | Yes | Yes |
| GooglePay - oksbi | Yes | Yes |
| BHIM | Yes | No |
| Paytm | Yes | Yes |
| Amazon Pay | Yes | Yes |
Yes,
is supported on Standard Checkout to collect Recurring Paymennts. The customers can scan the QR using any PSP app and make the payment.Yes, you can restrict your customers from pausing and cancelling the mandate by enabling OC125 functionality. After enabling, the Pause and Cancel mandate buttons are not available on PSP apps as shown in the image below.
This functionality is supported only for lending businesses. Please contact our
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