Frequently Asked Questions

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


GeneralπŸ”—

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

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

Methods

Authorization

Debit cards

OTP/3D secure

Credit cards

OTP/3D secure

UPI

UPI PIN

Emandate

NetBanking

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?πŸ”—

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?πŸ”—

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?πŸ”—

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?πŸ”—

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?πŸ”—

The plugins that support subscriptions are Woocommerce, Magento and OpenCart.

Capture PaymentsπŸ”—

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

No. You do not need to capture the β‚Ή5 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?πŸ”—

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.

Update SubscriptionsπŸ”—

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

Yes. You can update details such as the plan amount, duration and quantity of a Subscription, even if it is live. Refer to the Update Subscription section for more details.

Note: You can only update a Subscription authorized using cards. Currently, you cannot update Subscriptions authorized via UPI and Emandate.

Add-onsπŸ”—

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

Yes. Refer to the Add-ons section for more details.

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

Pause SubscriptionsπŸ”—

1. Who can pause a Subscription?πŸ”—


Method

Merchant

Customer

Debit Cards

βœ“

x

Credit Cards

βœ“

x

UPI

βœ“

βœ“

Emandate

βœ“

x

Note: 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?πŸ”—

Subscriptions in the active state can be paused. You cannot pause a Subscription in any other state. Refer to the life cycle section for more details.

3. How can I pause a Subscription?πŸ”—

You can pause a Subscription:

4. How can my customer pause a Subscription?πŸ”—

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

Resume SubscriptionsπŸ”—

1. Who can resume a Subscription?πŸ”—


Method

Merchant

Customer

Debit Cards

βœ“

x

Credit Cards

βœ“

x

UPI

βœ“

βœ“

Emandate

βœ“

x

Note: 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?πŸ”—

You can resume a Subscription:

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

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?πŸ”—

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

Cancel SubscriptionsπŸ”—

1. Can I cancel a Subscription?πŸ”—

Yes. You can cancel a Subscription:

2. Can my customer cancel a Subscription?πŸ”—

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

Payment MethodsπŸ”—

1. What payment methods are available for Subscriptions?πŸ”—

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?πŸ”—

Follow these steps to enable or disable payment methods (Cards and UPI):

  1. Log into the Razorpay Dashboard.
  2. Navigate to Subscriptions β†’ Settings.
  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 β‚Ή5,000. 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?πŸ”—

Supported Applications

  • PhonePe
  • GooglePay (okhdfcbank and okaxis)
  • Paytm
  • BHIM
  • Amazon Pay
  • IndusInd Bank App

Supported Banks

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

4. How do I enable or disable payment methods for Subscriptions?πŸ”—

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

5. What do I do if a payment method is not available on my account?πŸ”—

Contact our support team if a payment method is not available for Subscriptions on your account.

CardsπŸ”—

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

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.

S.No

Bank

Debit Card

Credit Card

Prepaid

1

HSBC

N/A*

βœ“

N/A*

2

Equitas Small Finance Bank

βœ“

N/A*

N/A*

3

City Union Bank

βœ“

N/A*

N/A*

4

OneCard

N/A*

βœ“

N/A*

5

Karur Vysya Bank

βœ“

βœ“

N/A*

6

Slice

N/A*

N/A*

βœ“

7

Punjab National Bank

N/A*

βœ“

N/A*

8

RazorpayX Corporate Cards

N/A*

βœ“

N/A*

9

Niyo Global Card

N/A*

βœ“

N/A*

10

Indian Overseas Bank

βœ“

βœ“

N/A*

11

Jupiter

βœ“

N/A*

N/A*

12

Indian Bank

βœ“

N/A*

N/A*

N/A* - Bank does not support recurring payments via this method.

2. When will other banks go live, and when can we onboard customers of such banks?πŸ”—

We are in the process of enabling cards of the following banks in the coming weeks. We will keep you posted on the same by updating this list.

  • SBI
  • ICICI Bank
  • Axis Bank
  • HDFC Bank
  • YES Bank
  • RBL

3. What happens when a customer tries to use the card details of banks that are not live?πŸ”—

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.

4. Will the existing subscription plans continue to work post September 30, 2021?πŸ”—

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.

5. What happens to debits of Subscriptions plans of banks that are not live by September 30, 2021?πŸ”—

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 Subscriptions document for more information.

6. Are there any changes in turnaround time (TAT) for processing debits on Subscriptions?πŸ”—

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:

7. Are there any changes in APIs for processing card-based Subscriptions?πŸ”—

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

8. Is there a maximum monetary limit for processing card-based Subscriptions?πŸ”—

For plans upto maximum amount of β‚Ή5,000, debits will be processed without any intervention from customers.

For plans above β‚Ή5,000 an Additional Factor Authentication (AFA) is required from customers for every subsequent debit.

9. What is the new flow to process card-based Subscriptions under the new RBI guidelines?πŸ”—

Note:
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 β‚Ή5,000:

  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 β‚Ή5,000:

  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.

10. Are there any changes in processing debits for Subscriptions using international cards?πŸ”—

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.

11. Can cardholders make changes to active Subscriptions?πŸ”—

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.

12. What types of cards do Subscriptions support?πŸ”—

  • Credit cards from the following card networks issued by any bank in India.
    • American Express
    • Mastercard
    • Visa
  • Debit cards on Mastercard and Visa network issued by the following banks.
    • ICICI Bank
    • Kotak Mahindra Bank
    • Citibank
    • Canara Bank

13. How do Subscriptions on Credit Cards work in India?πŸ”—

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

14. How do Subscriptions work on Debit Cards work in India?πŸ”—

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

15. When is Card shown as a payment method on the checkout?πŸ”—

Cards are always shown as a payment method for subscriptions.

Method

Condition

Checkout

Card

Plan amount + upfront amount < β‚Ή2,000.

βœ“

Card

Authentication amount + upfront amount < β‚Ή2,000.

βœ“

Card

Plan amount + upfront amount > β‚Ή2,000.

βœ“

Card

Authentication amount + upfront amount > β‚Ή2,000.

βœ“

16. Can I disable cards as a payment method on the checkout?πŸ”—

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

17. How long does it take to process card payments?πŸ”—


Method

Payment

TAT Guidelines

Card

Authorization payment

Real-time.

Card

Subsequent charge

Real-time.

18. Are all Subscription frequencies allowed when using Card as a payment method for Subscriptions?πŸ”—

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

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

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

20. Is it possible to skip the MandateHQ summary screen that appears before the bank page while making a transaction?πŸ”—

Yes, you can skip the MandateHQ summary screen by enabling Skip Mandate Summary Page for Cards option from the Razorpay Dashboard.

UPIπŸ”—

1. I have already integrated with Razorpay Subscriptions. Do I need to make changes to my Integration to accept UPI payments for Subscriptions?πŸ”—

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?πŸ”—

Supported Applications

  • PhonePe
  • GooglePay (okhdfcbank and okaxis)
  • Paytm
  • BHIM
  • Amazon Pay
  • IndusInd Bank App

Supported Banks

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

3. Is there a limit on the debit amount in UPI?πŸ”—

For UPI, the maximum amount for any one transaction is β‚Ή1,00,000, and for BFSI (Banking, Financial Services and Insurance) merchants, it is β‚Ή2,00,000.

4. When is UPI shown as a payment method on the checkout?πŸ”—

UPI is shown on the checkout in the following cases:

Method

Condition

Checkout

UPI

Plan amount + upfront amount < β‚Ή5,000.

βœ“

UPI

Authentication amount + upfront amount < β‚Ή5,000.

βœ“

UPI

Plan amount + upfront amount > β‚Ή5,000.

x

UPI

Authentication amount + upfront amount > β‚Ή5,000.

x

5. How long does it take to process UPI payments?πŸ”—


Method

Payment

TAT Guidelines

UPI

Authorization payment

Real-time.

UPI

Subsequent charge

On 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.

6. Can I disable UPI as a payment method on the checkout?πŸ”—

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

7. Can I update a Subscription authorized via UPI?πŸ”—

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

8. Can I create an additional charge for a Subscription authorized via UPI?πŸ”—

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

9. Can I pause a Subscription authorized via UPI?πŸ”—

Yes. You can pause a Subscription authorized via UPI.

10. Can I cancel a Subscription authorized via UPI?πŸ”—

Yes. You can cancel a Subscription authorized via UPI.

11. Can my customer update a Subscription authorized via UPI?πŸ”—

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

12. Can my customer cancel a Subscription authorized via UPI?πŸ”—

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

13. Can my customer pause a Subscription authorized via UPI?πŸ”—

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

14. Can I charge UPI payments in international currencies?πŸ”—

No. Currently, UPI only supports INR payments.

15. Can my customers use UPI as the payment method for Subscriptions?πŸ”—

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

16. Are all subscription frequencies allowed for UPI Subscriptions?πŸ”—


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

17. Are there any restrictions when using UPI as the payment method for Subscriptions?πŸ”—

Yes. The maximum transaction amount allowed is β‚Ή5,000 when using UPI as a payment method for Subscriptions.

EmandateπŸ”—

1. What is Emandate?πŸ”—

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?πŸ”—

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?πŸ”—

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?πŸ”—

Currently, Subscription through Emandate is available for a few banks. Refer to the Supported Banks and Apps page for more information.

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

Yes. For Emandate, the maximum amount limit per debit request is β‚Ή10,00,000. 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?πŸ”—

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?πŸ”—

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?πŸ”—

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?πŸ”—

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.

OffersπŸ”—

You can link an offer to a Subscription when creating the Subscription of after it has gone live.

Read more: Subscription Offers documentation.

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.

Read more: Subscription Offers documentation.

You can link an offer to a Subscription either using our APIs or from the Dashboard.

Read more: Subscription Offers documentation.

You can link an offer to a Subscription either using our APIs or from the Dashboard.

Read more: Subscription Offers documentation.

Yes. You can link an offer to a Subscription after it has gone live.

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

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?πŸ”—

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?πŸ”—

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?πŸ”—

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.

International PaymentsπŸ”—

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

Yes. You can accept Subscription payments in any of the supported currencies.

Note: Only card payments support international currencies. UPI payments do not support international currencies.

2. In what currency are international payments settled?πŸ”—

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

Refer to our International Payments page and International Payments Knowledgebase for more details.






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