API ReferenceIntegrationsKnowledge Base

Frequently Asked Questions

General🔗

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.

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?🔗

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.

Capture Payments🔗

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.

Update Subscriptions🔗

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 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-ons🔗

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

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 Subscriptions🔗

1. Who can pause a Subscription?🔗


Method

Merchant

Customer

Debit Cards

x

Credit Cards

x

UPI

Emandate

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?🔗

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?🔗

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.

Resume Subscriptions🔗

1. Who can resume a Subscription?🔗


Method

Merchant

Customer

Debit Cards

x

Credit Cards

x

UPI

Emandate

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?🔗

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.

Cancel Subscriptions🔗

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.

Payment Methods🔗

1. What payment methods are available for Subscriptions?🔗

The following payment methods are available for Subscriptions:

  • Credit Cards

  • Debit Cards Note:

    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 into 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 ₹5,000. 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 Banks

  • State Bank of India (SBI)
  • 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 Mysore (SBM)
  • Suryoday Small Finance Bank
  • Thane Janata Sahakari Bank
  • Utkarsh Small Finance Bank
  • Yes Bank

Supported Apps

  • BHIM
  • Paytm
  • PhonePe

4. How do I enable or disable payment methods for Subscriptions?🔗

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?🔗

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

Cards🔗

1. What types of cards do Subscriptions support?🔗

  • 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

2. 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

3. 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

4. When is Card shown as a payment method on the checkout?🔗

Cards are always shown as a payment method for subscriptions.

Method

Condition

Checkout

Card

Plan amount + upfront amount < ₹2,000.

Card

Authentication amount + upfront amount < ₹2,000.

Card

Plan amount + upfront amount > ₹2,000.

Card

Authentication amount + upfront amount > ₹2,000.

5. 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.

6. How long does it take to process card payments?🔗


Method

Payment

TAT Guidelines

Card

Authorization payment

Real-time.

Card

Subsequent charge

Real-time.

7. 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.

8. 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.

UPI🔗

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 Banks

  • State Bank of India (SBI)
  • 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 Mysore (SBM)
  • Suryoday Small Finance Bank
  • Thane Janata Sahakari Bank
  • Utkarsh Small Finance Bank
  • Yes Bank

Supported Apps

  • BHIM
  • Paytm
  • PhonePe

3. 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.

4. When is UPI shown as a payment method on the checkout?🔗

UPI is shown on the checkout in the following cases:

Method

Condition

Checkout

UPI

Plan amount + upfront amount < ₹5,000.

UPI

Authentication amount + upfront amount < ₹5,000.

UPI

Plan amount + upfront amount > ₹5,000.

x

UPI

Authentication amount + upfront amount > ₹5,000.

x

5. How long does it take to process UPI payments?🔗


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

If the first pre-debit notification fails, it is retried after 10 mins. If the second pre-debit notification fails, it is retried after 1 hour.

6. 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.

7. Can I update a Subscription authorized via UPI?🔗

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

8. 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.

9. Can I pause a Subscription authorized via UPI?🔗

Yes. You can pause a Subscription authorized via UPI.

10. Can I cancel a Subscription authorized via UPI?🔗

Yes. You can cancel a Subscription authorized via UPI.

11. Can my customer update a Subscription authorized via UPI?🔗

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

12. Can my customer cancel a Subscription authorized via UPI?🔗

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

13. Can my customer pause a Subscription authorized via UPI?🔗

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

14. Can I charge UPI payments in international currencies?🔗

No. Currently, UPI only supports INR payments.

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

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

16. Are all subscription frequencies allowed for UPI Subscriptions?🔗


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?🔗

Yes. The maximum transaction amount allowed is ₹5,000 when using UPI as a payment method for Subscriptions.

Emandate🔗

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 Supported Banks and Apps 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 ₹10,00,000. 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.

Offers🔗

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?🔗

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.

International Payments🔗

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

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?🔗

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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