Frequently Asked Questions (FAQs)

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1. What is the maximum amount I can charge per transaction?

The maximum transaction amount allowed is ₹15,000 when using UPI as a recurring payment method. Any auto debit above ₹15,000 undergoes an additional authorisation from the customer.

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2. Which banks and apps support UPI Autopay?

Refer to the NPCI list of banks and apps supported for UPI Autopay.

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3. Which are the intent-supported PSP apps?

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

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PSP Apps | mWeb | Android SDK | iOS SDK

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GPay | x | ✓ | ✓

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PhonePe | ✓ | ✓ | ✓

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Paytm | ✓ | ✓ | ✓

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Amazon Pay | x | x | x

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BHIM | x | ✓ | x

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PSP Apps | mWeb | Android SDK | iOS SDK

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GPay | ✓ | ✓ | x

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PhonePe | ✓ | ✓ | x

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Paytm | ✓ | ✓ | x

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Amazon Pay | x | ✓ | x

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BHIM | x | ✓ | x

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PSP Apps | mWeb | Android SDK | iOS SDK

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GPay | ✓ | ✓ | x

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PhonePe | ✓ | ✓ | x

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Paytm | ✓ | ✓ | x

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Amazon Pay | ✓ | ✓ | x

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BHIM | ✓ | ✓ | x

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4. Which are the intent-supported PSP apps for TPV?

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

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PSP Apps | mWeb | Android SDK | iOS SDK

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GPay | ✓ | ✓ | ✓

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PhonePe | ✓ | ✓ | x

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Paytm | ✓ | ✓ | ✓

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Amazon Pay | x | ✓ | x

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BHIM | x | ✓ | x

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PSP Apps | mWeb | Android SDK | iOS SDK

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GPay | ✓ | ✓ | ✓

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PhonePe | ✓ | ✓ | x

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Paytm | ✓ | ✓ | ✓

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Amazon Pay | x | ✓ | x

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BHIM | x | ✓ | x

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PSP Apps | mWeb | Android SDK | iOS SDK

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GPay | ✓ | ✓ | x

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PhonePe | ✓ | ✓ | x

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Paytm | ✓ | ✓ | x

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Amazon Pay | ✓ | ✓ | x

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BHIM | ✓ | ✓ | x

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5. How long does mandate registration take?

Mandate registrations occur in real time. Once the customer enters the MPIN, the mandate is authorised and a token is created on the customer. You can then use this token for subsequent debits on the customer’s account.

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5. 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.

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6. 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.

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Method | Bank | Expected Time to Complete

UPI | All supported banks | Real-time.

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

For UPI mandates, subsequent charges are initiated 25 hours after the Pre Debit notification is sent to the customer. Once initiated,

• For amount ₹15,000: An additional authorisation is requested of the customer. Once received, the amount is debited from the customer’s bank.

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8. What is pre-debit notification?

Pre-debit notifications are notifications sent to consumers 24 hours prior to the payment. These notices intimate the customer ahead of the actual debit, allowing them the option to pause or cancel the e-mandate.

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9. Can I cancel a UPI mandate?

Yes, you can cancel a UPI mandate from the Dashboard.

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10. Can I revoke a UPI mandate?

You can revoke a UPI mandate directly from the Dashboard. To do so, cancel the mandate first and then delete it.

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11. Once registered, can I pause a UPI mandate?

No, you cannot pause a UPI mandate.

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12. 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.

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

Yes, your customers can cancel a UPI mandate from their UPI app.

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

Yes, your customers can pause a UPI mandate from their UPI app.

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15. 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.

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16. 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.

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17. What is the supported amount limit on PSP applications?

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PSP apps | Mandate Maximum Amount ₹15,000

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PhonePe | Yes | No

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GooglePay - okhdfcbank | Yes | Yes

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GooglePay - okaxis | Yes | Yes

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GooglePay - okicici | Yes | Yes

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GooglePay - oksbi | Yes | Yes

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BHIM | Yes | No

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Paytm | Yes | Yes

Amazon Pay | Yes | Yes

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18. Is QR Code supported for UPI Autopay?

Yes, QR Code is supported on Standard Checkout to collect Recurring Paymennts. The customers can scan the QR using any PSP app and make the payment.

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19. Can I restrict my customers from pausing and cancelling the mandate?

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 Support team for more information.