Subscriptions FAQs
Find the frequently asked questions on Subscriptions.
- What are Subscriptions?
Cashfree Subscriptions enables you to set up and manage recurring payments for your customers.
- What are the various Payment methods supported by Cashfree Subscriptions?
The following payment methods are supported by Cashfree Subscriptions:
- Bank Account (e-Mandate + Physical Mandate)
- UPI Autopay
- Debit/Credit CardBank Account (e-Mandate)
- What are the frequencies supported for all payment modes for Subscriptions?
| Payment Methods | Supported Frequencies |
|---|---|
| eNACH | Daily, weekly, monthly, yearly, and ad-hoc. |
| Card | Weekly, monthly, yearly, and ad-hoc. |
| UPI AutoPay | Weekly, monthly, and ad-hoc. |
| Physical NACH | Daily, weekly, monthly, yearly, and ad-hoc. |
- What are the various subscription states?
- INITIALISED
- BANK APPROVAL PENDING
- ACTIVE
- ON HOLD
- PAUSED
- COMPLETED
- CUSTOMER CANCELLED
- CUSTOMER PAUSED
- EXPIRED
- LINK EXPIRED
- Can I retry a failed transaction and collect payments for that cycle?
Yes. You have the option to retry the last failed charge after consulting with your customer via Dashboard or API. Please refer here for more information.
- Can I extend the expiry date of a subscription?
No. You cannot extend the expiry date of a subscription. You can cancel the subscription and create a new subscription.
- Can I test a subscription model before going live?
Yes. You can test any subscription model in the test environment before going live.
- How do I know if I have received payments?
You can use webhooks to get notified of all transactions. Follow these steps to configure webhooks.
- Can I modify an existing subscription?
No. You cannot modify an existing subscription. You should cancel the current subscription and create a new subscription with the necessary modifications.
- What is the difference between auth modes - “Net Banking” and “Debit card” under e-Mandate payment mode?
The end customer is authenticated by the corresponding bank and the customer enters the net banking credentials or enters the Debit Card credentials. The Debit Card credentials are only used to authenticate the user. Due to the same reason, the mandate will continue even if the Debit Card expires.
- What is the maximum amount limit for each payment method?
- Which apps are supported for UPI Subscriptions?
Find the list of supported applications and banks here.
- What is the cut-off time to raise a transaction?
The cut-off time for raising a charge for a day is 6 hours prior to midnight on the previous day i.e if the charge date is T, then the cut-off time would be T-1 (6:00 pm).
- What are the various eNACH transaction failure reasons?
Once the eMandate is successfully created, the corresponding transactions can get declined due to the reasons listed below:
| Transaction Failure Reason | Detailed Description | Resolution |
|---|---|---|
| Balance Insufficient | This error is displayed when the end-customer does not have sufficient balance in their account. In this case, due to payment failure, the end-customer will be asked to pay a fine of amount equivalent to the cheque bounce charges by the destination bank. | The merchant can present the transaction again. It is recommended to contact the end-customer before retrying the failed transaction. A total of 3 retries are allowed before the start of the next cycle. |
| Not Arranged For or Exceeds arrangement | This error is displayed when the end-customer does not have sufficient balance in their overdraft account. | The merchant can present the transaction again. It is recommended to contact the end-customer before retrying the failed transaction. A total of 3 retries are allowed before the start of the next cycle. |
| Customer to refer to the branch | This error is displayed when the reason for the decline is unclear and the destination bank is expecting the end-customer to contact them for further clarification. | Merchant can contact the end-customer and recommend the end-customer to contact the bank and provide further clarification. |
| Account Closed | This error is displayed when the account has been closed and thus all the associated mandates were deactivated. | Further action cannot be taken in this scenario. The merchant can create another mandate for the end-customer to continue with the debit. |
| Invalid UMRN or Inactive Mandate | This error is displayed when the mandate has been de-activated by the NPCI's system. Usually when the mandate has not been debited over a prolonged period of time. | Further action cannot be taken in this scenario. The merchant can create another mandate for the end-customer to continue with the debit. |
| Mandate Cancelled | This error is displayed when the mandate has been cancelled. This can be merchant initiated or end-customer initiated. | Further action cannot be taken in this scenario. The merchant would have to create another mandate for the end-customer to continue with the debit. |
| No Such Account | This error is displayed when the account has been closed or no longer available. Thus all the associated mandates were deactivated. | Further action cannot be taken in this scenario. The merchant would have to create another mandate for the end-customer to continue with the debit. |
| A/c Blocked or Frozen | This error is displayed when all the withdrawals, purchases or transfers have been halted for this account. Hence, the presentation is not successful. | The merchant must contact the end-customer to resolve this issue. |
| Payment Stopped by Drawer | This error is displayed when the presentation has been stopped at the request of the end-customer. | The merchant must contact the end-customer to resolve this issue. |
| Payment Stopped under Court Order/Account Under Litigation | This error is displayed when the presentation has been stopped at a Court order. | The merchant must contact the end-customer to resolve this issue. |
| Customer name mismatch | This error is displayed when the account holder's name provided during mandate creation does not match the account holder's name at the time of presentation. | Since the mandate cannot be edited, the merchant must create a new mandate with the end-customer. |
| Network Failure (CBS) | This error is displayed when the Core Banking System(CBS) of the destination bank has a network failure. Generally, all the presentations for the affected bank would fail for the day. | The merchant can try to present the transaction again. The transaction is expected to go through once the system is up. |
| Returned as per customer request | This error is displayed when the presentation has been stopped at the request of the customer. | The merchant must contact the end-customer to resolve this issue. |
| KYC Documents Pending | Typically end-customer is expected to do a KYC for the bank account at least once in 3 years. On such cases, the presentation could be stopped by the bank, and this error message is displayed. | The end-customer must complete the KYC post which the merchant can try to present the transaction. |
| Documents Pending for Account Holder turning Major | This error is displayed when the documentation is pending. | End customer must complete the documentation process at the bank. |
| Account Inoperative | This error is displayed when there are not transactions in an account for the last 3 months. All the associated mandates are deactivated. | Further action cannot be taken in this scenario. The merchant would have to create another mandate for the end-customer to continue with the debit. |
| Dormant Account | This error is displayed when there are not transactions in an account for the last 6 months. Account is dormant and all the associated mandates are deactivated. | Further action cannot be taken in this scenario. The merchant would have to create another mandate for the end-customer to continue with the debit. |
| Small account, First Transaction to be from Base Branch | For a bank account type - small account, the first transaction must happen at the home branch. | |
| Account reached maximum Debit limit set on account by Bank | This error is displayed when the end-customer has sufficient balance in their account but the account has already reached the maximum limitation set for security reasons. | The merchant must contact the end-customer to increase the limit and then they try to do another presentation. |
| Account Holder Expired | This error message is displayed when the account holder has expired. | - |
| Account under litigation | This error is displayed when an account is currently under legal action. | Further debits are not possible for this bank account. A new mandate must created with a different bank account to take this forward. |
| Aadhaar number not mapped to the account number | This error is displayed when the end customer Aadhaar number is not linked to the bank account. | The end-customer must link the Aadhaar number with the bank account post which the merchant can try to do another presentation. |
| Customer Insolvent / Insane | - | Further action cannot be taken for this error message. The merchant would have to create another mandate with a different bank account. |
| Item cancelled | This error is displayed when the end-customer has cancelled the presentation. | The merchant must contact the end-customer to get this resolved post which the merchant can try to do another presentation. |
- What all type of bank accounts are supported for eNACH mandates?
eNach mandate creation is limited to only savings accounts and individual (proprietor) current accounts. It is not supported for other types of current account i.e., pvt limited, or trust accounts and other current account types where there are multiple owners of the account.
For individual (proprietor) current accounts as well, most of the destination banks (end customers bank) do not support mandate creations. In these cases, it is advised to check with the destination bank (incase of any policy change), or use Physical Nach (where customers’ signature is present).
- What are the UPI Apps and handles supported for UPI AutoPay?
| UPI Applications | Handles |
|---|---|
| BHIM BOI UPI | @boi |
| Phonepe | @ybl | @ibl | @axl |
| Gpay | @okhdfcbank | @okaxis | @okicici |
| BHIM Indus Pay | @indus |
| BHIM Canara | @cnrb |
| BHIM DLB UPI | @dlb |
| BHIM Baroda Pay | @barodampay |
| BHIM | @upi |
| Paytm | @paytm |
| Utkarsh Small Finance Bank | @utkarshbank |
| ICICI | @icici |
| Amazon Pay | @apl, @apay, @amazonpay, @amazon, @yapl |
| BHIM Axis Pay | @axisbank |
| DakPay UPI (IPPB) | @postbank |
| Mobikwik | @ikwik |
| Slice | @sliceaxis |
| DBC | @DBS |
| PayZapp | @pz |
| OkCredit | @axb |
| MyJio UPI | @jio |
| BHIM SBI Pay | @sbi |
| Groww | @yesg |
| Slash | @icici |
| TataNeu | @tapicici |
| Jupiter | @jupiteraxis |
| BHIM PNB | @pnb |
| Zomato | @zoicic |
| Equitas Small Finance Bank Ltd | @equitas |
| Go Niyo | @niyoicici |
| Bajaj Finserv | @abfspay |
| Navi | @naviaxis |
| @waicici | |
| BHIM Cent UPI App | @centralbank |
- What are the intent apps supported by Subscriptions?
The table below lists the intent applications supported by Subscriptions.
| Apps | Android Intent | iOS Intent |
|---|---|---|
| Paytm | ✔️ | ✔️ |
| GPay (@okhdfc, @okicici, @oksbi) | ✔️ | ✔️ |
| PhonePe | ✔️ | X |
| AmazonPay | ✔️ | X |
| Bhim | ✔️ | X |
- Can my customer pause/cancel a mandate from their end?
Yes, your customers can pause and cancel the mandate from their UPI application (Mandates section > Active mandates > Pause/ Cancel mandate > Submit).
- Can I resume the mandate if my customer has paused it?
No. Only your customer has the option to resume the mandate which was previously paused.
Updated about 1 month ago