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

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.

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.

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.

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.

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

Follow the links given below to integrate with WooCommerce Subscription plugin:

• Subscriptions plugin for WooCommerce

• Subscriptions plugin for WooCommerce Build Integration

If you have already followed the integration steps in the above links and the problem still persists, Reach out to our

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.

Subscriptions in the active state can be paused. You cannot pause a Subscription in any other state. Refer to the

You can pause a Subscription:

• From the Dashboard

  .

• Using APIs

  .

You can resume a Subscription:

• From the Dashboard

  .

• Using APIs

  .

No. You cannot resume a Subscription paused by your customer. Only your customer can resume such Subscriptions.

Yes. You can cancel a Subscription:

• From the Dashboard

  .

• Using APIs

  .

The following payment methods are available for Subscriptions:

• Credit Cards
• Debit Cards

• UPI (early access)
• Emandate (limited access)

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

1. Log in to the Razorpay Dashboard.
2. Navigate to Subscriptions → 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 ₹15,000. Only INR is supported.
   • eMandates (NetBanking): Enable this to accept recurring payments via Emandate (NetBanking) for your subscriptions. Only INR is supported.

Supported Applications

Below are the UPI applications and their handles that support UPI AutoPay:

Frequently used Applications

Below are some of the frequently used UPI applications and their handles:

Other Applications

Below are the other UPI applications and their handles:

Supported Banks

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

The below table gives information about the frequently used intent-supported PSP apps on different platforms and checkout integrations.

Standard Checkout Integration

Custom Checkout Integration

S2S Checkout Integration

Watch Out!

• You should contact our

  Support team

  to enable UPI Intent on standard checkout. Watch this video on how to get it enabled.

• UPI Intent is not supported for @oksbi and @okaxis handles.

Contact our

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.

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

This is the latest version of the bank list and was last updated on January 2, 2023.

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.

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.

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

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:

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

For plans upto maximum amount of ₹15,000, debits will be processed without any intervention from customers.

For plans above ₹15,000 an Additional Factor Authentication (AFA) is required from customers for every subsequent debit.

To process debits of amounts below ₹15,000:

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 ₹15,000:

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.

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.

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.

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

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
• RuPay

Subscriptions are allowed on Mastercard, Visa and RuPay network cards issued by the following banks provided the customer authorises the first transaction using two-factor authentication or 3D Secure.

• Citibank
• Canara Bank
• ICICI Bank
• Kotak Mahindra Bank

Cards are always shown as a payment method for subscriptions.

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

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

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

We are doing a beta rollout for recurring payments via Rupay cards. This beta phase will include an on-demand enablement. You should reach out to your POCs to get this enabled.

Also alternatively, we will choose a set of merchants to enable this feature and inform them through the POCs.

No. If you have already integrated Razorpay Subscriptions or CAW for Visa and Mastercard cards, no additional changes or integrations are required to enable RuPay cards. This applies to all cases, whether you are integrated on Standard Checkout, Custom Checkout, or S2S (server-to-server integrations).

RuPay SI requires payment processors/aggregators and banks to work with NPCI to enable the support. NPCI is continuously working with more banks to support recurring payments on RuPay cards. Refer to the

Yes. The 2021 RBI guidelines apply to all cards issued in India across network schemes, including RuPay cards.

Yes. The card needs to be tokenised during the mandate registration to process subsequent payments on the respective mandate. In all cases, Razorpay will act as an on-behalf token requestor for the business while tokenising the card with the RuPay network.

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.

Supported Applications

Below are the UPI applications and their handles that support UPI AutoPay:

Frequently used Applications

Below are some of the frequently used UPI applications and their handles:

Other Applications

Below are the other UPI applications and their handles:

Supported Banks

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

The below table gives information about the frequently used intent-supported PSP apps on different platforms and checkout integrations.

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.

UPI is shown on the checkout in the following cases:

^* Due to retries, this may extend to T+1.

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

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

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

Yes. You can pause a Subscription authorized via UPI.

Yes. You can cancel a Subscription authorized via UPI.

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

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

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

No. Currently, UPI only supports INR payments.

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

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

Yes. The maximum transaction amount allowed is ₹15,000 when using UPI as a payment method for Subscriptions.

Yes,

This error occurs when the amount of a plan exceeds the pricing plan configured to the business account for UPI. Ensure the minimum amount is greater than or equal to the configured pricing plan for UPI.

No. You cannot charge a UPI handle manually.

Yes, you can restrict your customers from pausing and cancelling the mandate by enabling OC125 functionality. After enabling, the Pause and Cancel mandate buttons are not available on PSP apps as shown in the image below.

This functionality is supported only for lending businesses. Please contact our

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.

Emandate is automatically enabled for you on the Settings page, and hence there are no additional steps required to enable it.

Yes. You can disable Emandate as a payment method from the Settings page on the Subscriptions tab.

Currently, Subscription through Emandate is available for a few banks. Refer to the

Yes. For Emandate, the maximum amount limit per debit request is ₹1,00,00,000. However, there is no limit on the number of transactions per day.

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.

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.

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.

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.

You cannot modify or edit a mandate that has already been created. In this case, you need to create a new mandate for the user if any changes need to be made.

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

know more about

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.

Know more about

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

Know more about

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

Know more about

Yes. You can

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.

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.

To link an offer to a Subscription it should be in the active state.

Yes. You can accept Subscription payments in any of the