Frequently Asked Questions (FAQs)

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

Supported Applications

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

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, you cannot charge customer payments in international currencies. 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, 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.

14. What is the supported amount limit on PSP applications?🔗