What are the payment methods supported for Recurring Payments?#

You can create recurring payments using one of the following payment methods:

• Emandate
• Card
• Paper NACH
• UPI

Are Emandate and Paper NACH covered under Negotiable Instrument Act?#

Yes. Emandate and Paper NACH are covered under the Negotiable Instrument Act. Refer to the Circular from NPCI for more details.

Who controls the debit schedule frequency and amount?#

Recurring Payments allows you to charge customers automatically at regular intervals that are defined and controlled by you. Essentially, Razorpay processes recurring payments as-and-when-presented by you.

How can I ensure there are no delays processing payments made by my customer?#

Ensure you have sufficient balance/credits/funds in your Razorpay account to ensure there are no delays processing payments.

Is two-factor authentication (2FA) available when registering a mandate?#

I have a valid token, but the recurring payment failed. What could be the reason?#

There could be various reasons why a recurring payment could fail. Potential reasons could be:

• Expired card.
• Credit card reported lost or stolen.
• Insufficient funds.
• Recurring payment canceled directly from the bank.
• Pre-debit notification failed.

How can I track the status of subsequent payments I have charged the customer?#

You can track the real-time status of payments as created, captured (successful), failed via Razorpay Dashboard, polling our APIs or subscribing to our webhooks.

What is the settlement timeline for subsequent payments I have charged the customer?#

Settlements happen as per your settlement schedule. You can view your settlement schedule on the Dashboard (Settlements → View Settlement Cycle). In case the settlement is scheduled on a bank holiday; the settlement occurs on the next working day.

When making the authorization payment, what additional data do customers see on their bank page?#

The customer is shown the following:

• Payment type ("Recurring" or "Standing Instructions").
• Frequency of recurring payments.
• Maximum amount to be deducted.
• Expiry date of standing instructions.

Which banks have enabled Recurring Payments through Emandate?#

Currently, Recurring Payments through Emandate is available for a few banks. Additionally, the following banks allow customers to set up standing instructions via Netbanking login: ICICI, HDFC and Axis Bank.

What is the maximum amount per debit request for Emandate?#

For Emandate, the maximum amount for any one transaction is ₹99,999. However, there is no limit on the number of transactions/day.

When registering Emandates, how long does it take for the token status to move from the initiated state to the confirmed state?#

For Emandates, how long does it take a subsequent charge to move from the created state to the authorized state?#

In the case of Emandate, the process varies from bank to bank. If the Emandate is setup using Netbanking login, it can take up to 2 working days for payment authorization.

What can I do to ensure the best user experience for Emandate registrations?#

You can do the following to improve the user experience for your customer:

• Before customers proceed with the authorization transaction, you can display a message asking your customers to keep their netbanking credentials handy. This will help prevent time-out on the checkout.
• Inform your customers that there might be a ₹1 or ₹2 deduction during the authorization transaction. This amount will be refunded to your customer in 3-5 bank working days.

Can I cancel an Emandate?#

Yes. You can use the cancel an Emandate by deleting the token. Tokens can be deleted:

• From the Dashboard.
• Using APIs.

For card mandates, how long does it take for the token status to move from the initiated state to the confirmed state?#

For card mandates, the status is updated in real-time.

For card mandates, how long does it take a subsequent charge to move from the created state to the authorized state?#

In the case of cards, the status is updated in real-time.

Can I cancel a card mandate?#

Yes. You can use the cancel a card mandate by deleting the token. Tokens can be deleted:

• From the Dashboard.
• Using APIs.

How can I create physical mandates?#

You can generate and submit physical mandates:

• From your Dashboard.
• Using our APIs.

Is there a limit on the debit amount in physical NACH?#

For physical mandates, the maximum amount for any one transaction is ₹1,00,00,000 (₹1 crore). However, there is no limit on the number of transactions/day.

What formats are supported when uploading the NACH form?#

The signed NACH form can only be uploaded as an image. We support the following file formats:

• .JPG
• .JPEG
• .PNG

What do I do if I get an error when uploading the NACH form?#

If you get an error, you can try to upload the form again. You can retry the upload as many times as you want, until a successful upload.
A few things to keep in mind when uploading the signed NACH form:

• Do not change or write over any of the fields on the form.
• Do not crop the border.
• Review the information, sign and upload the form.
  
  Below is a sample signed NACH form.
  
  

Are there any additional requirements to set up recurring payments via Paper NACH for a current account?#

If you want to set up recurring payments on a current account via Paper NACH, you might be required to add your company seal on the NACH form. Use the blank space available for the 2nd and 3rd signatory to add the seal.

For physical mandates, how long does it take for the token status to move from the initiated state to the confirmed state?#

For physical mandates, how long does it take a subsequent charge to move from the created state to the authorized state?#

What can I do to ensure the best user experience for physical mandate registrations?#

You can do the following to improve the user experience for your customer:

• Before customers proceed with the authorization transaction, you can display a message asking your customers to keep their netbanking credentials handy. This will help prevent time-out on the checkout.
• Inform your customers that there might be a ₹1 or ₹2 deduction during the authorization transaction. This amount will be refunded to your customer in 3-5 bank working days.

Can I cancel a physical Mandate?#

Yes. You can use the cancel a physical mandate by deleting the token. Tokens can be deleted:

• From the Dashboard.
• Using APIs.

Is there a limit on the debit amount in UPI?#

For UPI, the maximum amount for any one transaction is ₹2,000. However, there is no limit on the number of transactions/day.

What frequencies are supported for Recurring Payments via UPI?#

Currently, we only support the monthly frequency.

What are the PSP apps available for UPI Recurring Payments?#

Currently, only BHIM is available for UPI Recurring Payments.

Can I charge customer payments in international currencies via a UPI mandate?#

No. Currently, UPI mandates only support INR payments.

For UPI mandates, how long does it take for the token status to move from the initiated state to the confirmed state?#

For UPI mandates, how long does it take a subsequent charge to move from the created state to the authorized state?#

What is pre-debit notification?#

Pre-debit notifications are notifications sent to consumers 24 hours prior to the payment, allowing customers to pay, pause or cancel the e-mandate.

Can I cancel a UPI mandate?#

Yes. You can cancel a UPI mandate from the Dashboard or using APIs.

Once registered, can I pause a UPI mandate?#

No. You cannot pause a UPI mandate.

Once registered, can I modify a UPI mandate?#

No. Currently, it is not possible to modify or update a UPI mandate. However, you can cancel the UPI mandate.

Once registered, can my customer cancel a UPI mandate?#

Yes. Your customers can cancel a UPI mandate from their UPI app.

Once registered, can my customer pause a UPI mandate?#

Yes. Your customers can pause a UPI mandate from their UPI app.

Once registered, can my customer modify a UPI mandate?#

No. Currently, it is not possible to modify or update a UPI mandate. However, your customers can pause or cancel the UPI mandate from their UPI app.