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?🔗

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
• Bank of Baroda
• Bank of India
• Canara Bank
• Capital Small Finance Bank
• Federal Bank
• HDFC Bank
• HSBC
• ICICI Bank
• IDBI Bank
• IDFC First Bank
• Indusind Bank
• Jio Payments Bank
• Karur Vysya Bank
• Kerala Gramin Bank
• North East Small Finance Bank
• Paytm Payments Bank
• Pragathi Krishna Gramin Bank
• Punjab and Sind Bank
• Punjab National Bank
• Rajkot Nagrik Sahakari Bank
• RBL
• Saraswat Co-operative Bank
• SBM Bank India Ltd
• Shivalik Small Finance Bank
• State Bank of India
• Suryoday Small Finance Bank
• Thane Janta Sahakari Bank
• Utkarsh Small Finance Bank
• Yes Bank Ltd
• Nainital Bank
• Patan Nagarik Sahakari Bank
• The Vijay Co-operative Bank
• The Adarsh Co-operative Urban Bank
• GP Parsik Sahakari Bank
• Capital Small Finance Bank
• Kotak Mahindra Bank
• Union Bank of India
• Indian Overseas Bank
• AU Small Finance Bank

Supported Apps

• BHIM
• Paytm
• PhonePe
• Amazon Pay
• IndusInd Bank App

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.

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?🔗

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.

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

To improve the Emandate registration user experience for your customers:

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

7. Can I cancel an Emandate?🔗

Yes. You can use the cancel an Emandate by deleting the token from the Razorpay Dashboard or using APIs.

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.

1. Which banks have enabled Recurring Payments through Cards?🔗

Businesses like yours can onboard customers and process recurring payments starting from October 1, 2021 using cards of the banks listed in the below table.

N/A* - Bank does not support recurring payments via this method.

The short animation below shows the cutomer journey for mandate registration.

2. When will other banks enable Recurring Payments through Cards?🔗

We are in the process of enabling cards of the following banks in the coming weeks. We will keep you posted on the same by updating this list.

• SBI
• ICICI Bank
• Axis Bank
• HDFC Bank
• YES Bank
• RBL

3. What happens when a customer tries to use the card details of banks that are not live?🔗

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.

4. Will the existing card tokens continue to work post September 30, 2021?🔗

We will migrate existing credit card tokens of City Union Bank (CUB), OneCard and Karur Vysya Bank by September 30, 2021. Therefore, you can continue to process recurring payments on such mandates even after September 30, 2021. For banks that will go live after September 30, 2021, we will be migrating the existing mandates of such banks as and when they go live.

5. Can we continue to process recurring payments through card tokens of banks that are yet to go live?🔗

6. How can I get to know the status of tokens?🔗

You can go to the Reports section in your Razorpay Dashboard and download the token report on October 1, 2021 to know the status of all your tokens to take appropriate action.

To download the token report:

1. Log into the Razorpay Dashboard and click the Reports from the left menu.
2. Select Token Report from the Select Report Type drop-down list.
3. Select the relevant Period from the Select Period drop-down list.
4. Select the file format from the Select Format drop-down list. You can choose CSV, XLSX or XLS formats.
5. Click Generate Report to download or get it emailed to your registered email address by selecting the Email Report To check box.

Watch the animation below for steps to check token status.

7. Are there any changes in the APIs for processing card-based mandates?🔗

There are no changes in the existing integration flow. However, we have added a few optional token parameters to the Create Order API. If these parameters are not passed in the request, then the default values are assumed.

Refer to the Recurring Payments API document for more information on changes.

8. Are there any changes in turnaround time (TAT) for registering mandates and for processing debits?🔗

Starting October 1, 2021, you will have to raise the debit request 24 hours in advance for processing debits on registered mandates. A pre-debit notification will be sent to the customer’s registered mobile number or email ID. If they do not pause or cancel the mandate, then the recurring 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:

9. Is there a maximum monetary limit for processing card-based mandates?🔗

You can register mandates up to a maximum of ₹5,000 without any intervention from customers and process subsequent payments.

To register and process mandates of amounts greater than ₹5,000, an Additional Factor Authentication (AFA) is required from customers for every subsequent debit.

10. What is the new flow to process subsequent debits using cards under the new RBI guidelines?🔗

To process subsequent debits below ₹5,000:

1. Businesses initiate the debit for an amount less than ₹5,000.
2. Bank will send a pre-debit notification SMS to the customer immediately.
3. The amount will be debited 24 hours after the notification.

To process subsequent debits above ₹5,000:

1. Businesses initiate the debit for an amount greater than ₹5,000.
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 as soon as the customer provides AFA.

The short animation below shows the customer side flow of giving consent through the AFA link.

11. Are there any changes in processing recurring payments on international cards?🔗

No, there are no changes in processing recurring payments on international cards. The RBI guidelines apply only to domestic cards and not international cards.

12. 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.

13. 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.

14. What is the TAT for processing debits of cards mandates?🔗

For processing debits below ₹5,000, the TAT is 24 hours after raising the debit request, subject to the customer not pausing or cancelling the mandate.

For processing debits above ₹5,000, the amount will be debited as soon as the customer provides consent through AFA, which has a validity of 72 hours.

15. Can cardholders make changes to registered card tokens? How are businesses notified of such changes?🔗

Yes, cardholders can pause, resume and cancel card tokens 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 card tokens. You can also see these changes in the Razorpay Dashboard.

16. 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.

1. How can I create physical mandates?🔗

You can generate and submit physical mandates from the Razorpay Dashboard or using our APIs.

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 per 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 while uploading the NACH form, you can try to upload the form again. You can retry the upload as many times as you want, until a successful upload.

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?🔗

The following table indicates the time required to update the token status from initiated state to the confirmed state for the physical mandates:

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

The following table indicates the time required to update the token status from created state to the authorized state for the physical mandates:

8. What can I do to ensure the best user experience for physical mandate registrations?🔗

To improve the Emandate registration user experience for your customers:

• Before customers proceed with the authorisation transaction, you can display a message asking your customers to keep their netbanking credentials handy. This will help prevent time-out at the checkout.
• Inform your customers that there might be a ₹1 or ₹2 deduction during the authorisation 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 from the Razorpay Dashboard or using APIs.

10. Which are the account types supported for Paper NACH?🔗

Following are the account types supported for Paper NACH:

• savings (default)
• current
• cc (Cash Credit)
• nre (SB-NRE)
• nro (SB-NRO)

Upload the NACH File🔗

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

The below table lists the errors that may appear while uploading the NACH file, the reason, explanation and next steps:

1. Which banks and apps support UPI Recurring Payments?🔗

Supported Banks

• Axis Bank
• Bank of Baroda
• Bank of India
• Canara Bank
• Capital Small Finance Bank
• Federal Bank
• HDFC Bank
• HSBC
• ICICI Bank
• IDBI Bank
• IDFC First Bank
• Indusind Bank
• Jio Payments Bank
• Karur Vysya Bank
• Kerala Gramin Bank
• North East Small Finance Bank
• Paytm Payments Bank
• Pragathi Krishna Gramin Bank
• Punjab and Sind Bank
• Punjab National Bank
• Rajkot Nagrik Sahakari Bank
• RBL
• Saraswat Co-operative Bank
• SBM Bank India Ltd
• Shivalik Small Finance Bank
• State Bank of India
• Suryoday Small Finance Bank
• Thane Janta Sahakari Bank
• Utkarsh Small Finance Bank
• Yes Bank Ltd
• Nainital Bank
• Patan Nagarik Sahakari Bank
• The Vijay Co-operative Bank
• The Adarsh Co-operative Urban Bank
• GP Parsik Sahakari Bank
• Capital Small Finance Bank
• Kotak Mahindra Bank
• Union Bank of India
• Indian Overseas Bank
• AU Small Finance Bank

Supported Apps

• BHIM
• Paytm
• PhonePe
• Amazon Pay
• IndusInd Bank App

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

No. Currently, UPI mandates only support INR payments.

4. 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, the token status is updated from initiated state to the confirmed state in real-time.

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

For UPI mandates, the following table indicates the time required to update the token status from the initiated state to the confirmed state:

6. 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.

7. Can I cancel a UPI mandate?🔗

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

8. Once registered, can I pause a UPI mandate?🔗

No. You cannot pause a UPI mandate.

9. Once registered, can I modify a UPI mandate?🔗

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

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

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

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

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

12. 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.

13. 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.

1. Is the feature, Charging Customers During Registration, available on all authorisation methods?🔗

The feature, Charging Customers During Registration, is available only on emandate via netbanking.

2. Is the feature, Charging Customers During Registration, supported by all banks?🔗

The feature, Charging Customers During Registration, is only supported by HDFC and ICICI.

3. How is this feature, Charging Customers During Registration, different from the First Payment Amount feature?🔗

First Payment Amount

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.

Charging Customers During Registration

With this feature, you can 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 the Charging Customers During Registration feature?🔗

You can charge the customer a maximum of ₹10 lakhs using using the Charging Customers During Registration feature.