API ReferenceIntegrationsKnowledge Base

Frequently Asked Questions

General🔗

  1. 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.


  2. 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.


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


    Methods

    Authorization

    Emandate via netbanking

    Netbanking login

    Emandate via debit card

    OTP/3D secure

    Cards

    OTP/3D secure

    Paper NACH

    Signature

    UPI mandate

    UPI PIN


  4. 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.

  5. 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.


  6. 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.


  7. 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.

Payment Methods🔗

  1. What payment methods are available for Recurring Payments?


    The following payment methods are available for Recurring Payments:

    • Emandate via netbanking
    • Emandate via debit card
    • Emandate via aadhaar
    • Credit Cards
    • Debit Cards
    • Paper NACH
    • UPI

  2. 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.


  3. Which banks and apps support UPI Recurring Payments?


    Supported Banks

    • Axis Bank
    • HDFC Bank
    • ICICI Bank
    • IndusInd Bank
    • Jio Payments Bank
    • Karur Vysya Bank
    • North East Small Finance Bank
    • Paytm Payments Bank
    • Punjab & Sind Bank
    • Saraswat Co-operative Bank
    • Shivalik Small Finance Bank
    • State Bank of India (SBI)
    • State Bank of Mysore (SBM)
    • Suryoday Small Finance Bank
    • Thane Janata Sahakari Bank
    • Utkarsh Small Finance Bank
    • Yes Bank

    Supported Apps

    • BHIM
    • Paytm

  4. How do I enable or disable payment methods for Recurring Payments?


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


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


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


Emandate🔗

  1. 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.

  2. What is the maximum amount per debit request for Emandate?


    For Emandate, the maximum amount for any one transaction is ₹10,00,000. However, there is no limit on the number of transactions/day.


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


    Method

    Bank

    TAT Guidelines

    Emandate

    All Banks via NPCI

    Real-time

    Emandate

    via ICICI and Axis

    Real-time

    Emandate

    via HDFC and SBI

    T+1 working days.


  4. 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.


    Method

    Bank

    TAT Guidelines

    Emandate

    ICICI Bank

    Real-time.

    Emandate

    Axis

    Same day.

    Emandate

    HDFC Bank

    Same day.

    Emandate

    State Bank of India

    T+1 working days.

    Emandate

    Other Banks

    Same day.

    Note:
    To ensure same-day debit authorization, Razorpay must receive the request by 8:59 a.m. on a bank working day.

  5. What is the cut-off time to upload files for payment processing?


    We recommend uploading the files by 6 am (IST). The funds may settle around 6 pm on the same day.

  6. What is the NPCI Presentment and Return Time schedule?


    NPCI Presentment and Return Time Schedule


    Day

    Presentation Time Frame

    Return Time Frame

    Weekdays

    10:00 am - 12:30 pm

    03:00 pm - 05:00 pm

    Saturday

    10:00 am - 11:30 am

    02:00 pm - 03:00 pm

  7. 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.

  8. Can I cancel an Emandate?



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

Aadhaar🔗

  1. I have already integrated with Razorpay Recurring Payments. Do I need to make changes in my Integration to use the aadhaar emandate?


    There are no changes to the existing APIs. However, aadhaar emandate is available only on a request basis. Raise a request on our Support Portal to get this feature enabled.


    Once it is enabled on your account, all you have to do is pass auth_type=aadhaar in the existing emandate APIs.

Card🔗

  1. 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.


    Method

    Bank

    TAT Guidelines

    Cards

    All Banks

    Real-time

  2. 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.


    Method

    Bank

    TAT Guidelines

    Cards

    All Banks

    Real-time.

    Note:
    To ensure same-day debit authorization, Razorpay must receive the request by 8:59 a.m. on a bank working day.

  3. Can I cancel a card mandate?



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

Paper NACH🔗

  1. How can I create physical mandates?



    You can generate and submit physical mandates:

  2. 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.


  3. 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

  4. 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.


  5. 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.


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



    Method

    Bank

    TAT Guidelines

    Paper NACH

    All Banks

    Up to ₹5 lacs, T+5 working days.
    More than ₹5 lacs, T+10 working days.

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



    Method

    Bank

    TAT Guidelines

    Paper NACH

    All Banks

    Same day.

    Note:
    To ensure same-day debit authorization, Razorpay must receive the request by 8:59 a.m. on a bank working day.

  8. 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.

  9. Can I cancel a physical Mandate?


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


Upload the NACH File🔗

  1. What are the errors I get while uploading the NACH file?


    The below table lists the error reason, explanation and next steps:


    Reason

    Explanation

    Next Steps

    unknown_file_type

    The file type of the image is not supported

    Upload an image that is in either of .jpeg, .jpg or .png formats

    file_size_exceeds_limit

    The file size exceeds the permissible limits

    Upload an image of smaller size

    image_not_clear

    The uploaded image is not clear. This can either be due to poor resolution or because part of the image is cropped

    Upload an image with better quality without any cropping of the form

    form_mismatch

    The ID of the uploaded form does not match with that in our records

    Check that the form is uploaded against the correct order ID

    form_signature_missing

    The signature of the customer is either missing or could not be detected

    Check that the customer has signed in the appropriate box and that the image uploaded is clear. For current account, a company stamp may also be required

    form_data_mismatch

    One or more of the fields on the NACH form do not match with that in our records

    Check that the image is clear and that the data has not been tampered with before uploading again

    form_status_pending

    A form against this order is pending action on the destination bank. A new form cannot be submitted till a status is received

    Wait for an update from the destination bank on the approval/rejection of the mandate

UPI🔗

  1. Which banks and apps support UPI Recurring Payments?


    Supported Banks

    • Axis Bank
    • HDFC Bank
    • ICICI Bank
    • IndusInd Bank
    • Jio Payments Bank
    • Karur Vysya Bank
    • North East Small Finance Bank
    • Paytm Payments Bank
    • Punjab & Sind Bank
    • Saraswat Co-operative Bank
    • Shivalik Small Finance Bank
    • State Bank of India (SBI)
    • State Bank of Mysore (SBM)
    • Suryoday Small Finance Bank
    • Thane Janata Sahakari Bank
    • Utkarsh Small Finance Bank
    • Yes Bank

    Supported Apps

    • BHIM
    • Paytm

  2. 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. However, there is no limit on the number of transactions/day.


  3. What are the PSP apps available for UPI Recurring Payments?


    Currently, only BHIM is available for UPI Recurring Payments.


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


    No. Currently, UPI mandates only support INR payments.


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



    Method

    Bank

    TAT Guidelines

    UPI

    All supported banks

    Real-time.

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



    Method

    Bank

    TAT Guidelines

    UPI

    All supported banks

    24-36 hours. This is because of the failure of pre-debit notification and/or any retries that we attempt for the payment.

  7. 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.


  8. Can I cancel a UPI mandate?


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


  9. Once registered, can I pause a UPI mandate?


    No. You cannot pause a UPI mandate.


  10. 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.


  11. Once registered, can my customer cancel a UPI mandate?


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


  12. Once registered, can my customer pause a UPI mandate?


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


  13. 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.


  14. What are some best practices I can follow when creating subsequent payments for UPI recurring payment?


    For UPI, do not create subsequent payments on the last day of the cycle. This will cause the payment to fail.


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