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.

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, @oksbi and @okaxis@okhdfcbank, @okicici, @oksbi 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 @oksbi and @okaxis handles.

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 and Mastercard cards of 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
  • Debit cards on Mastercard and Visa 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

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

Subscriptions are allowed on Mastercard and Visa network cards issued by the following banks provided the customer authorizes 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.

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. 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.

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, @oksbi and @okaxis@okhdfcbank, @okicici, @oksbi 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 @oksbi and @okaxis handles.

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?

No. Currently, you cannot update a Subscription authorized via UPI.

9. Can I create an additional charge for a Subscription authorized via UPI?

No. Currently, this is not possible. Add-ons are not available for Subscriptions authorized via UPI.

10. Can I pause a Subscription authorized via UPI?

Yes. You can pause a Subscription authorized via UPI.

11. Can I cancel a Subscription authorized via UPI?

Yes. You can cancel a Subscription authorized via UPI.

12. Can my customer update a Subscription authorized via UPI?

No. Currently, it is not possible to update a Subscription authorized via UPI.

13. Can my customer cancel a Subscription authorized via UPI?

Yes. Your customers can cancel a Subscription authorized via UPI from their UPI app.

14. Can my customer pause a Subscription authorized via UPI?

Yes. Your customers can pause a Subscription authorized via UPI from their UPI app.

15. Can I charge UPI payments in international currencies?

No. Currently, UPI only supports INR payments.

16. Can my customers use UPI as the payment method for Subscriptions?

Yes, your customer can use UPI as a payment method for Subscriptions.

17. Are all subscription frequencies allowed for UPI Subscriptions?

Yes, all frequencies are allowed when using UPI as a payment method.

18. Are there any restrictions when using UPI as the payment method for Subscriptions?

Yes. The maximum transaction amount allowed is ₹15,000 when using UPI as a payment method for Subscriptions.

19. What is the supported amount limit on PSP applications?

PSP appsMandate Maximum Amount < = ₹15,000Mandate Maximum Amount > ₹15,000
PhonePeYesNo
GooglePay - okhdfcbankYesYes
GooglePay - okaxisYesYes
GooglePay - okiciciYesYes
GooglePay - oksbiYesYes
BHIMYesNo
PaytmYesYes
Amazon PayYesYes

20. Is QR Code supported for UPI Autopay?

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.

22. Can I charge a UPI handle manually?

No. You cannot charge a UPI handle manually.

23. Can I restrict my customers from pausing and cancelling the mandate?

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.

Checkout with OC125 Enabled

This functionality is supported only for lending businesses. Please contact our

for more information.

24. Which are the intent-supported PSP apps for TPV?

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

PSP AppsmWebAndroid SDKiOS SDK
GPay
PhonePex
Paytm
Amazon Payxx
BHIMxx

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.
Feature Request GIF
  • UPI Intent TPV is not supported for @oksbi and @okaxis handles.

1. What is Emandate?

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.

2. How do I enable Emandate as a payment method on the checkout?

Emandate is automatically enabled for you on the Settings page, and hence there are no additional steps required to enable it.

3. Can I disable Emandate as a payment method on the checkout?

Yes. You can disable Emandate as a payment method from the Settings page on the Subscriptions tab.

4. Which banks have enabled Subscription through Emandate?

Currently, Subscription through Emandate is available for a few banks. Refer to the

page for more information.

5. Is there a maximum amount limit per debit request for Emandate?

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.

7. Does the charge happen on bank holidays?

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.

8. Can my customer pause or cancel a Subscription that is authorized via Emandate?

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.

10. How can I modify or edit a mandate that has already been created?

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.

11. Which authentication type is supported for the Aadhaar based authentication?

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

.

7. Can I upgrade a Subscription when it has an offer linked to it?

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.

8. Can I downgrade a Subscription when it has an offer linked 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.

9. What state should the Subscription be in to link an offer to it?

To link an offer to a Subscription it should be in the active state.

10. What state should a subscription be in to remove an offer to it?

You can remove an offer linked to a Subscription in any state. Do remember that invoices generated after the offer is removed will be charged in full.

1. Can I accept Subscription payments in currencies other than INR?

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.

2. In what currency are international payments settled?

Settlements are always made in INR. The payment is converted using the exchange rate at the time of payment creation.

Refer to our

for more details.


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