Frequently Asked Questions (FAQs)

Find answers to frequently asked questions about Razorpay Subscriptions and Subscription links.


1. How does two-factor authentication (2FA) work with Subscriptions?

The first transaction needs to go through the 2FA process. Further charges can be made automatically, without 2FA.

MethodsAuthorization
Debit cardsOTP/3D secure
Credit cardsOTP/3D secure
UPIUPI PIN
EmandateNetBanking

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.

3. How long can a Subscription remain active?

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.

4. Is there a limit on how many years a Subscription can remain active?

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.

5. Is there a limit on the maximum number of billing cycles for a Subscription?

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.

6. Which ecommerce plugins support Subscriptions?

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

.

1. Do I need to capture the authorization payment used to validate a customer's card/UPI ID?

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.

2. Do I need to capture the Subscription payments made by customers?

No. You do not need to capture payments made for a Subscription. Upfront amount and subsequent charges are auto-captured.

Watch Out!

The payment will not be captured if you cancel the Subscription before it gets authorized.

1. Can I update the plan amount or duration of Subscription when it is live?

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.

1. Can I create an additional charge on a Subscription when it is live?

Yes. Refer to the

for more details.

Watch Out!

Currently, add-ons are only available for Subscription authorized using cards. Add-ons are not available for subscriptions authorized via UPI.

1. Who can pause a Subscription?

MethodMerchantCustomer
Debit Cardsx
Credit Cardsx
UPI
Emandatex

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.

2. Can all Subscriptions be paused?

Subscriptions in the active state can be paused. You cannot pause a Subscription in any other state. Refer to the

section for more details.

3. How can I pause a Subscription?

You can pause a Subscription:

4. How can my customer pause a Subscription?

Your customer can pause Subscriptions authorized via UPI from their UPI app.

1. Who can resume a Subscription?

MethodMerchantCustomer
Debit Cardsx
Credit Cardsx
UPI
Emandatex

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.

2. How can I resume a Subscription?

You can resume a Subscription:

3. Can I resume a Subscription paused by my customer?

No. You cannot resume a Subscription paused by your customer. Only your customer can resume such Subscriptions.

4. How can my customer resume a Subscription?

Your customer can resume Subscriptions authorized via UPI from their UPI app.

1. Can I cancel a Subscription?

Yes. You can cancel a Subscription:

2. Can my customer cancel a Subscription?

Your customer can cancel only those subscriptions that are authorized via UPI from their UPI app.

1. What payment methods are available for Subscriptions?

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):

  1. Log in to the Razorpay Dashboard.
  2. Navigate to SubscriptionsSettings.
  3. 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.

3. Which banks and apps support UPI Subscriptions?

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:

ApplicationsHandles < = ₹ 15,000Handles > ₹ 15,000
PhonePe@ybl, @ibl and @axlN/A
GooglePay@okhdfcbank, @okicici and @okaxis@okhdfcbank, @okicici and @okaxis
Paytm@paytm@paytm
BHIM@upiN/A
Amazon Pay@apl and @yapl@apl and @yapl
IndusInd Bank App@indusN/A

Other Applications

Below are the other UPI applications and their handles:

ApplicationsHandles
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.

4. Which are the intent-supported PSP apps?

The below table gives information about the frequently used intent-supported PSP apps on different platforms and checkout integrations.

Standard Checkout Integration

PSP AppsmWebAndroid SDKiOS SDK
GPayx
PhonePe
Paytm
Amazon Payxxx
BHIMxx

Custom Checkout Integration

PSP AppsmWebAndroid SDKiOS SDK
GPayx
PhonePex
Paytmx
Amazon Payxx
BHIMxx

S2S Checkout Integration

PSP AppsmWebAndroid SDKiOS SDK
GPayx
PhonePex
Paytmx
Amazon Payx
BHIMx

Watch Out!

  • You should contact our to enable UPI Intent on standard checkout. Watch this video on how to get it enabled.
Feature Request GIF
  • UPI Intent is not supported for @okaxis handle.

5. How do I enable or disable payment methods for Subscriptions?

Contact our

to enable or disable a payment method for Subscriptions. This cannot be done from the Dashboard.

6. What do I do if a payment method is not available on my account?

Contact our

if a payment method is not available for Subscriptions on your account.

1. Which banks are live on the cards, and what does this mean for businesses?

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.

Click the below button to download the list of banks that support cards.

This is the latest version of the bank list and was last updated on January 2, 2023.

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.

2. What happens when a customer tries to use the card details of banks that are not live?

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.

3. Will the existing subscription plans continue to work post September 30, 2021?

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.

4. What happens to debits of Subscriptions plans of banks that are not live by September 30, 2021?

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:

  1. Cancel all card-based Subscriptions, and the status will be moved to the cancelled state.
  2. 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.

5. Are there any changes in turnaround time (TAT) for processing debits on Subscriptions?

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:

6. Are there any changes in APIs for processing card-based Subscriptions?

No, there are no changes in APIs to process card-based Subscriptions.

7. Is there a maximum monetary limit for processing 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.

8. What is the new flow to process card-based Subscriptions under the new RBI guidelines?

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:

  1. Razorpay will initiate the debit 24 hours before the actual debit date.
  2. Bank will send a pre-debit notification SMS to the customer immediately.
  3. 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:

  1. Razorpay will initiate the debit 24 hours before the actual debit date.
  2. 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.
  3. 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.

9. Are there any changes in processing debits for Subscriptions using international cards?

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.

10. Can cardholders make changes to active Subscriptions?

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.

11. What types of cards do Subscriptions support?

  • 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

12. How do Subscriptions on Credit Cards work in India?

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

13. How do Subscriptions work on Debit Cards work in India?

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

14. When is Card shown as a payment method on the checkout?

Cards are always shown as a payment method for subscriptions.

MethodConditionCheckout
CardPlan amount + upfront amount < ₹2,000.
CardAuthentication amount + upfront amount < ₹2,000.
CardPlan amount + upfront amount > ₹2,000.
CardAuthentication amount + upfront amount > ₹2,000.

15. Can I disable cards as a payment method on the checkout?

Yes. You can disable cards as a payment method using the Settings feature on the Subscriptions tab.

16. How long does it take to process card payments?

MethodPaymentTAT Guidelines
CardAuthorization paymentReal-time.
CardSubsequent chargeReal-time.

17. Are all Subscription frequencies allowed when using Card as a payment method for Subscriptions?

Yes. All the Subscription frequencies are allowed when using Card as a payment method for Subscriptions.

18. Are there any restrictions when using Card as a payment method for Subscriptions?

No. There are no restrictions when using Card as a payment method for Subscriptions.

19. Are there any restrictions when using Card as a payment method for Subscriptions?

No. There are no restrictions when using Card as a payment method for Subscriptions.

20. Can I display the MandateHQ summary screen before the bank page while making a transaction?

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:

  1. Log into the and click Account & Settings in the left menu.
  2. Click Mandate summary page under Checkout settings.
  3. Enable the Show Mandate Summary Page for Cards option.

21. How do I enable Rupay Card support to collect recurring payments?

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.

22. Is any additional integration required to enable RuPay?

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).

23. What banks support recurring payments via RuPay cards?

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.

24. Are the 2021 RBI guidelines for recurring payments on cards applicable to RuPay cards?

Yes. The 2021 RBI guidelines apply to all cards issued in India across network schemes, including RuPay cards.

25. Is tokenisation of cards required for RuPay SI flows?

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.

2. Which banks and apps support UPI Subscriptions?

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:

ApplicationsHandles < = ₹ 15,000Handles > ₹ 15,000
PhonePe@ybl, @ibl and @axlN/A
GooglePay@okhdfcbank, @okicici and @okaxis@okhdfcbank, @okicici and @okaxis
Paytm@paytm@paytm
BHIM@upiN/A
Amazon Pay@apl and @yapl@apl and @yapl
IndusInd Bank App@indusN/A

Other Applications

Below are the other UPI applications and their handles:

ApplicationsHandles
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.

3. Which are the intent-supported PSP apps?

The below table gives information about the frequently used intent-supported PSP apps on different platforms and checkout integrations.

PSP AppsmWebAndroid SDKiOS SDK
GPayx
PhonePe
Paytm
Amazon Payxxx
BHIMxx

Watch Out!

  • You should contact our to enable UPI Intent on standard checkout. Watch this video on how to get it enabled.
    Feature Request GIF
  • UPI Intent is not supported for @okaxis handle.

4. Is there a limit on the debit amount in UPI?

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.

5. When is UPI shown as a payment method on the checkout?

UPI is shown on the checkout in the following cases:

MethodConditionCheckout
UPIPlan amount + upfront amount < ₹15,000.
UPIAuthentication amount + upfront amount < ₹15,000.
UPIPlan amount + upfront amount > ₹15,000.x
UPIAuthentication amount + upfront amount > ₹15,000.x

6. How long does it take to process UPI payments?

MethodPaymentTAT Guidelines
UPIAuthorization paymentReal-time.
UPISubsequent chargeOn the scheduled date * .

* 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:

  1. Let T=0 be the charge day.
  2. On T=0, we attempt to charge the card.
  3. If the charge fails, we automatically reattempt the charge after 10 minutes on the same day.
  4. 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 halted state.

7. Can I disable UPI as a payment method on the checkout?

Yes. You can disable UPI as a payment method using the Settings feature on the Subscriptions tab.

8. Can I update a Subscription authorized via UPI?