API ReferenceIntegrationsKnowledge Base

Recurring Payments - Debit Customers During Registration

This feature allows you to charge any amount as part of the authorization transaction. That is, the customer is charged an amount immediately while initiating the mandate registration in the background. This allows you to onboard the customer immediately, without having to wait for the mandate to be registered.

Feature Request
This is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.

Use Cases🔗

If you are using the existing emandate flow, you can only charge the customer after they complete the authorization transaction and token is confirmed. This means you might to wait a few days before you can charge the customer. If the mandate registration fails, you have to start the process again, causing further delays. This means there is a delay in onboarding the customer, which could impact your business.

This feature allows you to charge an amount as part of the authorization transaction. That is, the customer is charged an amount immediately while initiating the mandate registration in the background. This allows you to onboard the customer immediately, without having to wait for the mandate to be registered.

Mutual Funds🔗

When a customer starts a new Systematic Investment Plan (SIP), the investment needs to be made immediately. That is, the customer has to be charged as part of the mandate registered process. It is not possible to wait for a few days while the mandate is registered before charging the customer.

Insurance🔗

If you are an insurance provider, you have to charge the customer the first premium immediately when selling them the policy.

Frequently Asked Questions🔗

  1. Is this feature available on all authorization methods?


    No. Currently, this feature is available only on emandate via netbanking.

  2. Is this feature supported by all banks?


    No. Currently, Only HDFC and ICICI are supported.

  3. How is this feature different from the First Payment Amount feature?


    When using the First Payment Amount feature, the customer is not immediately charged. First the mandate is registered. We automatically charge the customer the first payment amount only after the mandate is successfully registered.

    This feature allows you to charge the customer immediately when they click the Pay button, while initiating a mandate registration in the background.


  4. What is the maximum amount I can charge a customer immediately using this feature.?


    You can charge the customer a maximum of ₹10 lakhs using this feature.

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