Supported Payment Modes

In this article, you will learn the different payment methods that can be configured to accept payments from your customer.

Cashfree Subscriptions currently supports the following payment modes to collect payments from your customer:

  • Bank Account (e-Mandate + Physical Mandate)
  • UPI Autopay
  • Debit/Credit CardBank Account (e-Mandate)

Maximum subscription amounts allowed for different payment methods are mentioned below:

Payment Methods SupportedBanks/Card Networks/UPI HandlesMaximum Subscription Amount Allowed
eNACHCheck the list of NPCI-supported banks here₹ 1,00,00,000
UPI AutoPayCheck the list of banks and PSPs here₹ 15,000
CardVisa, Mastercard₹ 15,000
Physical MandatesCheck the list of banks here₹ 1,00,00,000

Supported Payment Frequencies

Payment MethodsSupported Frequencies
eNACHDaily, weekly, monthly, yearly, and ad-hoc.
CardWeekly, monthly, yearly, and ad-hoc.
UPI AutoPayWeekly, monthly, and ad-hoc.
Physical NACHMonthly, yearly, and ad-hoc.

Bank Account (e-Mandate)

Customers can authorize the subscriptions using their bank account via Net Banking, Debit Card or Aadhaar. They must enter their bank account details and authorise the subscription. The payment gets debited automatically based on the plan selected.

To authorize using a bank account,

  1. Customers must select the Bank Account (e-Mandates) payment method on the checkout page.
  2. Select the preferred authorization mode, Net Banking, Debit Card or Aadhaar.
  3. Enter the required details, and approve the subscription.

Banks Supported
The list of supported banks can be found here.

Bank Account (Physical Mandate)

Customers can authorize the subscriptions using only their signature and bank account details. There is no requirement to have a debit card / netbanking enabled to set up the mandate.

To authorize using a physical mandates,

  1. Step 1: Create Seamless Subscription - Use this API to create a subscription for your customer that includes providing customer & mandate details. If the mandate details such as amount & frequency are the same for all your customers you can create a plan before creating a subscription. The response will give you the list of supported banks applicable for physical mandate.
  2. Step 2: Upload File - Use the Upload File API to upload the Physical Nach registration forms that contain your customer’s bank account details, mandate details and signature. You will receive a file ID in the response, this needs to be used in the next step.
  3. Step 3: Create Auth Seamless Physical Mandate - Use the Create Auth Seamless Physical Mandate API to create an Authorization request for your customer. For Physical mandates, this API lets Cashfree Payments know that the nach form is to be raised to the bank for registering the mandate in production.

Banks Supported
The list of supported banks can be found here.

Debit/Credit Card

Customers can authorize the subscriptions using their Debit/Credit Card. They must enter their card details to authorize the subscription. The payment is automatically debited based on the plan selected. 25+ banks are supported for Credit and Debit Card payments.

UPI Autopay

Payments for subscriptions via UPI give customers the flexibility to pay using any UPI application. Customer must first enter their UPI VPA and authorise the subscription.

UPI Autopay is supported for all methods via Intent Flow, Collect Flow, and QR Flow.

UPI Apps and Handles Supported for UPI AutoPay

The table below lists the UPI applications along with their handles.

UPI ApplicationsHandles
Phonepe@ybl | @ibl | @axl
Gpay@okhdfcbank | @okaxis | @okicici
BHIM Indus Pay@indus
BHIM Canara@cnrb
BHIM Baroda Pay@barodampay
Utkarsh Small Finance Bank@utkarshbank
Amazon Pay@apl, @apay, @amazonpay, @amazon, @yapl
BHIM Axis Pay@axisbank
DakPay UPI (IPPB)@postbank
MyJio UPI@jio
BHIM SBI Pay@sbi
Bajaj Finserv@abfspay
Go Niyo@niyoicici

Intent Apps Supported by Subscriptions

The table below lists the intent applications supported by Subscriptions.

AppsAndroid IntentiOS Intent
GPay (@okhdfc, @okicici, @oksbi)✔️✔️