FAQs
Given below are some of the frequently asked questions.1. Which banks have enabled Recurring Payments through Cards?
Refer to the list of banks that support cards.Watch Out!Please contact our support team if you are facing difficulties with card payments from any of the major banks on the above list.We support Visa and Mastercard cards of all major banks.Watch this video to see how a customer registers for Recurring Payments using Cards.
Handy Tips
2. 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 sayingCard does not support recurring payments. will be displayed, as shown below.3. Will the existing card tokens continue to work post September 30, 2021?
We will migrate existing credit card tokens of OneCard bank by September 30, 2021. Therefore, you can continue to process recurring payments on such mandates even after September 30, 2021. As and when more banks become available for Recurring Payments using Cards, we will migrate the existing mandates of such banks.Watch Out!All of the card tokens that will be migrated are credit card tokens as debit cards of these banks were not enabled for recurring before.Refer to the Recurring Payments document for more information on payment methods.Alternatively, you can also use Payment Links from the Dashboard or mobile application and collect payment from customers on the due date.Refer to the Payment Link document for more information.Watch the animation below for steps to check token status.Businesses to only initiate the debit, and the rest will be taken care of by banks and Razorpay.To process subsequent debits below ₹15,000:To process subsequent debits above ₹15,000:The short animation below shows the customer side flow of giving consent through the AFA link.
4. Can we continue to process recurring payments through card tokens of banks that are yet to go live?
All the card tokens of banks that are not live will be in
paused state from October 1, 2021. You will not be able to debit these mandates. Do reach out to your customers in advance and register new mandates using alternate payment methods such as UPI or Emandate.5. How can I get to know the status of tokens?
You can go to the Reports section in your 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 in to the Dashboard and click the **Reports** from the left menu.
Log in to the Dashboard and click the Reports from the left menu.
2
Select **Token Report** from the **Select Report Type** drop-down l...
Select Token Report from the Select Report Type drop-down list.
3
Select the relevant **Period** from the **Select Period** drop-down...
Select the relevant Period from the Select Period drop-down list.
4
Select the file format from the **Select Format** drop-down list. Y...
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 reg...
Click Generate Report to download or get it emailed to your registered email address by selecting the Email Report To check box.
6. 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.7. 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:8. Is there a maximum monetary limit for processing card-based mandates?
You can register mandates up to a maximum of ₹15,000 without any intervention from customers and process subsequent payments.To register and process mandates of amounts greater than ₹15,000, an Additional Factor Authentication (AFA) is required from customers for every subsequent debit.9. What is the new flow to process subsequent debits using cards under the new RBI guidelines?
Note:
1
Businesses initiate the debit for an amount less than ₹15,000.
Businesses initiate the debit for an amount less than ₹15,000.
2
Bank will send a pre-debit notification SMS to the customer immedia...
Bank will send a pre-debit notification SMS to the customer immediately.
3
The amount will be debited 36 hours after the notification.
The amount will be debited 36 hours after the notification.
1
Businesses initiate the debit for an amount greater than ₹15,000.
Businesses initiate the debit for an amount greater than ₹15,000.
2
Bank will send a notification with a link for Additional Factor Aut...
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 amount will be debited as soon as the customer provides AFA.