Frequently Asked Questions (FAQs)
Find answers to frequently asked questions about Razorpay Subscriptions and Subscription links.
The first transaction needs to go through the 2FA process. Further charges can be made automatically, without 2FA.
2. One of my customers received the following SMS from their bank: Your trx is debited to xxxx Bank CREDIT Card for Rs. xx.xx. This is not an authenticated trx as per RBI Mandate effective 1 May 12. What is this?
Some customers may receive such messages from the bank for subscription transactions. However, there is no need to worry about it as this communication is for information only. We assure you that all transactions on Razorpay are authorized as per RBI compliance.
We support Subscriptions for a maximum duration of 100 years. The number of billing cycles depends if the subscription is billed daily, weekly, monthly or yearly.
We support Subscriptions for a maximum duration of 100 years. The number of billing cycles depends if the subscription is billed daily, weekly, monthly or yearly.
We support Subscriptions for a maximum duration of 100 years. The number of billing cycles depends if the subscription is billed daily, weekly, monthly or yearly.
The plugins that support subscriptions are Woocommerce, Magento and OpenCart.
7. The order status remains "Pending Payment", even after a successful Razorpay payment. Why is WooCommerce not updating my subscription payments?
Follow the links given below to integrate with WooCommerce Subscription plugin:
If you have already followed the integration steps in the above links and the problem still persists, Reach out to our
with the versions of both Razorpay and WooCommerce plugin that you are currently using.8. Is WooCommerce Subscriptions plugin dependent on the Razorpay WooCommerce plugin? What are the compatible versions?
Yes, the WooCommerce Subscriptions plugin depends on the Razorpay WooCommerce plugin. The WooCommerce Subscriptions plugin is fully compatible with Razorpay WooCommerce plugin equal to or greater than v2.4, including the latest v3.0 release. Know more about
.No. You cannot update or delete a Plan. You should create a new Plan. Alternatively, you can duplicate and modify an existing Plan as per your requirements.
To duplicate a Plan:
- Log in to the and click Subscriptions under PAYMENT PRODUCTS in the left menu.
- Go to Plans and click on the required Plan Id.
- Click the Duplicate Plan icon in the top-right corner of the pop-up, as shown in the screenshot below.
- Edit the plan details as required and click Create Plan.
No. You do not need to capture the ₹5 token authorization payment used to validate a customer's card/UPI ID. This amount is auto-refunded to the customer.
Yes. You can update details such as the plan amount, duration and quantity of a Subscription, even if it is live. Refer to the
for more details.Watch Out!
You can only update a Subscription authorised using cards and not via UPI and Emandate.
You can only update a Subscription when it is in authenticated and active states. There is no state change when you update a Subscription. Know about
Watch Out!
You can only update a Subscription authorised using cards and not via UPI and Emandate.
1. Can I charge a processing or any other fee as an additional charge on a Subscription when it is live?
Yes. You can charge processing fee, delivery or any other charges by adding an Add-on to the Subscription. Know more about the
.Watch Out!
Currently, add-ons are only available for Subscription authorized using cards. Add-ons are not available for subscriptions authorized via UPI.
Watch Out!
For UPI Subscriptions, you cannot resume a Subscription paused by your customer. If your customer pauses a Subscription, only they can resume it.
Subscriptions in the active state can be paused. You cannot pause a Subscription in any other state. Refer to the
You can pause a Subscription:
- .
- .
Watch Out!
For UPI Subscriptions, you cannot resume a Subscription paused by your customer. If your customer pauses a Subscription, only they can resume it.
You can resume a Subscription:
- .
- .
No. You cannot resume a Subscription paused by your customer. Only your customer can resume such Subscriptions.
Yes. You can cancel a Subscription:
- .
- .
Your customer can cancel only those subscriptions authorized via UPI from their UPI app. They should refer to their respective app's documentation for steps to cancel subscriptions.
You can set up the
webhook event to get a notification when your customer cancels their Subscription. Know more about .The following payment methods are available for Subscriptions:
- Credit Cards
- Debit Cards
Watch Out!
Bank downtime can affect success rates when processing recurring payments via debit cards.
- UPI (early access)
- Emandate (limited access)
2. I want to enable customers to make payments through UPI only. How can I configure payment methods?
Follow these steps to enable or disable payment methods (Cards and UPI):
- Log in to the Razorpay Dashboard.
- Navigate to Subscriptions → Settings.
- Configure the payment methods:
- Card: Enable this to accept recurring payments via cards for your subscriptions in any of our supported international currencies.
- UPI: Enable this to accept UPI payments when recurring charge is less than ₹15,000. Only INR is supported.
- eMandates (NetBanking): Enable this to accept recurring payments via Emandate (NetBanking) for your subscriptions. Only INR is supported.
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:
Other Applications
Below are the other UPI applications and their handles:
Supported Banks
Refer to the
.The below table gives information about the frequently used intent-supported PSP apps on different platforms and checkout integrations.
Standard Checkout Integration
Custom Checkout Integration
S2S Checkout Integration
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 @okaxis handle.
Contact our
to enable or disable a payment method for Subscriptions. This cannot be done from the Dashboard.Contact our
if a payment method is not available for Subscriptions on your account.Businesses like yours can onboard customers and process recurring payments through debit, credit and prepaid cards of the following banks from October 1, 2021. Customers can now sign up for Subscription plans using their card details easily.
Refer to the
.Watch Out!
Please contact our support team if you are facing difficulties with card payments from any of the major banks on the above list.
Handy Tips
We support Visa, Mastercard and RuPay cards from all major banks.
If a customer tries to enter card details of banks that are not live, an error message saying Card does not support recurring payments will be displayed, as shown below.
We will migrate existing Subscription plans of City Union Bank (CUB), OneCard and Karur Vysya Bank by September 30, 2021. Wel will continue to process debits on such Subscription plans even after September 30, 2021. For banks that will go live after September 30, 2021, we will migrate the Subscription plans of such banks as and when they go live.
Watch Out!
All of the Subscriptions that will be migrated are credit card based Subscriptions as debit cards of these banks were not enabled before.
All the Subscription plans of banks that are not live will be moved to the pending state on their respective billing dates starting from October 1, 2021. We will notify your customers through email with the following options to activate the Subscription again:
Option 1: Update with new card details of banks that are live.
Option 2: Use UPI as the alternate payment method and register to re-activate the subscription.
Alternate Approach - Register for a new Subscription
In case you wish to reach out to your customers to sign up for new Subscriptions, you can do the following:
- Cancel all card-based Subscriptions, and the status will be moved to the
cancelledstate. - Notify your customers about the cancelled Subscriptions and send new subscription links, and request them to register afresh using UPI or the cards of banks that are live.
Refer to the
for more information.Starting October 1, 2021, we will initiate the debit on every Subscription 24 hours in advance. The respective banks will send a pre-debit notification to the customer’s registered mobile number or email ID. If the cutomer does not pause or cancel the Subscription, then the debit will be processed, and you will get the notification through a webhook or in the dashboard. A sample pre-debit notification is given below for your reference:
No, there are no changes in APIs to process card-based Subscriptions.
For plans upto maximum amount of ₹15,000, debits will be processed without any intervention from customers.
For plans above ₹15,000 an Additional Factor Authentication (AFA) is required from customers for every subsequent debit.
Handy Tips
All the steps mentioned below will be taken care of by Razorpay and banks. No additional effort is required from businesses and customers.
To process debits of amounts below ₹15,000:
- Razorpay will initiate the debit 24 hours before the actual debit date.
- Bank will send a pre-debit notification SMS to the customer immediately.
- The amount will be debited 24 hours after the notification provided the customer does not pause or cancel the Subscription.
To process debits of amounts above ₹15,000:
- Razorpay will initiate the debit 24 hours before the actual debit date.
- Bank will send a notification with a link for Additional Factor Authentication (AFA) to the customer immediately. The AFA link will be active for 72 hours.
- The amount will be debited once the customer provides AFA.
The short animation below shows the customer side flow of giving consent through the AFA link.
No, there are no changes in processing debits for Subscriptions using international cards. The RBI guidelines apply only to domestic cards and not international cards.
Yes, cardholders can pause, resume and cancel active Subscriptions from the portal provided by the bank to manage them. You will get notifications through multiple webhooks when a cardholder initiates any such changes to the Subscriptions. You can also see these changes in the Razorpay Dashboard.
- Credit cards from the following card networks issued by any bank in India.
- Mastercard
- Visa
- RuPay
- Debit cards on Mastercard, Visa and RuPay network issued by the following banks.
- ICICI Bank
- Kotak Mahindra Bank
- Citibank
- Canara Bank
Subscriptions are allowed on the following network credit cards provided the customer authorizes the first transaction using 2FA authentication or 3D Secure.
- American Express
- MasterCard
- Visa
- RuPay
Subscriptions are allowed on Mastercard, Visa and RuPay network cards issued by the following banks provided the customer authorises the first transaction using two-factor authentication or 3D Secure.
- Citibank
- Canara Bank
- ICICI Bank
- Kotak Mahindra Bank
Cards are always shown as a payment method for subscriptions.
Yes. You can disable cards as a payment method using the Settings feature on the Subscriptions tab.
Yes. All the Subscription frequencies are allowed when using Card as a payment method for Subscriptions.
No. There are no restrictions when using Card as a payment method for Subscriptions.
Yes, you can display the MandateHQ summary screen by enabling the Show Mandate Summary Page for Cards option from the Razorpay Dashboard.
To enable the option:
- Log into the and click Account & Settings in the left menu.
- Click Mandate summary page under Checkout settings.
- Enable the Show Mandate Summary Page for Cards option.
We are doing a beta rollout for recurring payments via Rupay cards. This beta phase will include an on-demand enablement. You should reach out to your POCs to get this enabled.
Also alternatively, we will choose a set of merchants to enable this feature and inform them through the POCs.
No. If you have already integrated Razorpay Subscriptions or CAW for Visa and Mastercard cards, no additional changes or integrations are required to enable RuPay cards. This applies to all cases, whether you are integrated on Standard Checkout, Custom Checkout, or S2S (server-to-server integrations).
RuPay SI requires payment processors/aggregators and banks to work with NPCI to enable the support. NPCI is continuously working with more banks to support recurring payments on RuPay cards. Refer to the
document for the list of supported banks.Yes. The 2021 RBI guidelines apply to all cards issued in India across network schemes, including RuPay cards.
Yes. The card needs to be tokenised during the mandate registration to process subsequent payments on the respective mandate. In all cases, Razorpay will act as an on-behalf token requestor for the business while tokenising the card with the RuPay network.
26. Are there any differences in functionalities/use cases supported via RuPay compared to Visa and Mastercard cards?
Yes. As SI on RuPay is NPCI's new product, they continuously work to cover an exhaustive set of use cases from an ecosystem standpoint. However, RuPay card recurring is supported for all businesses' extensive and fundamental use cases. Below are the use cases not supported currently:
- Mandate registration with saved card: This is live for NPCI and Razorpay.
- Debits greater than 15K: Initial or subsequent debits greater than 15,000 INR are not allowed for RuPay card recurring transactions. NPCI is working to enable this shortly.
- Pre-debit Notification with the same amount on a given mandate: Currently, NPCI does not support the functionality of raising multiple pre-debits with the same amount simultaneously on a mandate. After a pre-debit notification for a given amount is raised on a mandate, the next pre-debit with the same amount will override the previous pre-debit notification. Hence, the next pre-debit with the same amount should only be raised after the debit is successfully done against the previous pre-debit notification or after the previous pre-debit notification expires(T+3 days to expire, where T is the debit date specified).
1. I have already integrated with Razorpay Subscriptions. Do I need to make changes to my Integration to accept UPI payments for Subscriptions?
There are no changes to the existing APIs. However, there is a new API to pause Subscriptions that you will have to add to your integration.
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:
Other Applications
Below are the other UPI applications and their handles:
Supported Banks
Refer to the
.The below table gives information about the frequently used intent-supported PSP apps on different platforms and checkout integrations.
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 @okaxis handle.
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.
UPI is shown on the checkout in the following cases:
* Due to retries, this may extend to T+1.
Payment Retry
In failure scenarios, we automatically retry the payment twice on the same day.
Below is the retry model:
- Let T=0 be the charge day.
- On T=0, we attempt to charge the card.
- If the charge fails, we automatically reattempt the charge after 10 minutes on the same day.
- If the charge fails again, we automatically reattempt the charge after an hour on the same day. If the charge still fails, the Subscription moves to the
haltedstate.
Yes. You can disable UPI as a payment method using the Settings feature on the Subscriptions tab.
No. Currently, you cannot update a Subscription authorized via UPI.
No. Currently, this is not possible. Add-ons are not available for Subscriptions authorized via UPI.
Yes. You can pause a Subscription authorized via UPI.
Yes. You can cancel a Subscription authorized via UPI.
No. Currently, it is not possible to update a Subscription authorized via UPI.
Yes. Your customers can cancel a Subscription authorized via UPI from their UPI app.
Yes. Your customers can pause a Subscription authorized via UPI from their UPI app.
No. Currently, UPI only supports INR payments.
Yes, your customer can use UPI as a payment method for Subscriptions.
Yes, all frequencies are allowed when using UPI as a payment method.
Yes. The maximum transaction amount allowed is ₹15,000 when using UPI as a payment method for Subscriptions.
Handy Tips
For certain MCCs, the maximum amount limit for one transaction is ₹1,00,000. Refer to the
, issuing banks and PSP applications.Yes,
is supported on Standard Checkout to collect Subscription payments. The customers can scan the QR using any PSP app and make the payment.21. I am getting an error message Payment Failed. Please contact the site admin. during the authentication transaction. Why?
This error occurs when the amount of a plan exceeds the pricing plan configured to the business account for UPI. Ensure the minimum amount is greater than or equal to the configured pricing plan for UPI.
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
for more information.The below table gives information about the frequently used intent-supported PSP apps for TPV on different platforms and checkout integrations.
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 @okaxis handle.
Similar to Cards, Emandate is a digital payment service that can be used to set up recurring payments for Subscriptions on your bank account. With Emandate, you can provide standard instructions to your issuing bank, allowing them to debit the mentioned amount from your bank account automatically.
Emandate is automatically enabled for you on the Settings page, and hence there are no additional steps required to enable it.
Yes. You can disable Emandate as a payment method from the Settings page on the Subscriptions tab.
Currently, Subscription through Emandate is available for a few banks. Refer to the
page for more information.Yes. For Emandate, the maximum amount limit per debit request is ₹1,00,00,000. However, there is no limit on the number of transactions per day.
6. The Subscription state is still created and not active, even after paying the registration payment. Why?
The Subscription changes to active when both registration and subsequent payments are made. This is a bank constraint as the payment and registration cannot happen on the same day. The update on this may take T+1 days. If the payment still fails, the Subscription remains in the created state.
No. If the charge day (T) is a bank holiday, we will charge on T-1 days. Similarly, if the charge day (T) and the previous day (T-1) are bank holidays, we will charge on T-3 days. This process will not affect your charge cycle for the subsequent months.
No, your customer cannot pause or cancel a Subscription that is authorized via Emandate. However, they can directly contact the bank and cancel a Subscription, and the subsequent payment will fail for such Subscriptions.
9. The payment was supposed to happen on Day T. However, I have neither got a payment update nor the Subscription status changed to subscription.pending. Why?
Occasionally Emandate payment may get delayed from the bank side. You would get an update in 1 to 2 days, and the Subscription status will be changed accordingly.
You cannot modify or edit a mandate that has already been created. In this case, you need to create a new mandate for the user if any changes need to be made.
Razorpay supports eSign as an
for the Aadhaar authentication.You can link an offer to a Subscription when creating the Subscription of after it has gone live.
know more about
.You can link an offer to a Subscription when creating the Subscription of after it has gone live.
You can link an offer to a Subscription either using our APIs or from the Dashboard.
Know more about
.You can link an offer to a Subscription either using our APIs or from the Dashboard.
Know more about
.You can link an offer to a Subscription either using our APIs or from the Dashboard.
Know more about
.Yes. You can
.Yes. You can upgrade a Subscription even it has an offer linked to it. However, you cannot downgrade a Subscription when an offer is linked to it.
To downgrade the Subscription, you will have to remove the offer linked to it, downgrade the Subscription and then reapply the offer to it.
No. You cannot downgrade a Subscription when an offer is linked to it.
To downgrade the Subscription, you will have to remove the offer linked to it, downgrade the Subscription and then reapply the offer to it.
To link an offer to a Subscription it should be in the active state.
Yes. You can accept Subscription payments in any of the
.Handy Tips
Only card payments support international currencies. UPI payments do not support international currencies.
Settlements are always made in INR. The payment is converted using the exchange rate at the time of payment creation.
Refer to our
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