Introduction

Mandates are recurring payments used for subscription-based products where the amount is automatically debited from the user's account on a registered payment method at regular intervals. Mandates allow businesses to charge customers on a recurring basis for the product/services offered. The recurring payments may be initiated using Juspay APIs as a fixed/ non-fixed intervals based on your business use case.

Two main flows must be implemented for a successful mandate integration: Mandate Registration and Mandate Execution . The mandate registration flow will require the user to provide consent for the mandate and complete a one-time payment. Subsequent debits will happen from users account, once the frequency or time period is reached.

Payment Flows

Juspay Hypercheckout supports mandates on below payment methods:

• UPI Autopay (via UPI Collect and UPI Intent)

• Netbanking (eNach and eMandate)

• Cards

• Wallets (only Paytm)

Mandate Registration Experience

Juspay Hypercheckout provides a range of mandate signup experiences which can be invoked based on your business needs

Required Mandate Setup journey:

The user will be presented with only the mandate eligible payment methods. The payment details entered by the user will be validated for eligibility for recurring payment. In other words, one-time payment methods will not be allowed.

Optional Mandate Setup journey:

The user will be presented all payment methods, including mandate eligible and mandate ineligible payment methods. If the user provides consent, the payment will be processed for the mandate. In other words, the user get the choice to subscribe or perform one-time payment.

Mandate Recurring Experience

Recurring Payment is a completely APi based jouney between Merhcant and Juspay. User will only be notified about upcoming recurring and the actual debit.

Mandate Status change 

User triggered

The mandate once setup might move into various states depending on the user action on the UPI app/ Issuer website i.e. user can Pause/ Cancel/ Unpause a mandate. Juspay sends a webhook whenever a state change is triggered, merchant should update the Mandate status on their side to handle the following via Send user a message with relevant Action Item (to re setup a mandate)

Merchant triggered

If the user comes to Merchant’s website and revokes/pause/unpause the mandate then the same is to be informed to Juspay. Juspay will internally revoke and call the PG’s API to hit revoke
Note : Not all PG’s provide the Revoke functionality. Visit the Feature Matrix link to see the list of supported PGs