---
page_source: https://docs.juspay.io/card-mandates/docs/card-mandate/description
page_title: Description
---


# Card Mandate



Set up recurring payment using card mandate to provide an efficient, cost effective and seamless user experience.


### **Feature Benefits** 



* Boost customer retention with automated recurring payments.
* Secure consistent revenue without depending on users to initiate payments.
* High user convenience with support from all major card brands - VISA, Mastercard, Rupay, AMEX, DINERS
* Transparency and flexibility for users to view and manage their registered mandates.


### **How it works** 




#### Mandate Registration



Registration involves user providing consent for setting up standing instructions on a debit or credit card. The registration of mandate and the debit of the actual order amount occur simultaneously. 

Details required for mandate registration: 

* Order amount - One-time payment amount (in ₹)
* Max mandate amount - Maximum allowed amount for future debits (in ₹)
* Mandate Start Date - Mandate creation date
* Mandate End Date - Any future date after which the mandate stops
* Mandate Frequency - Daily, Weekly, Monthly, Yearly, As presented


#### **Mandate Execution** 



Merchants are required to trigger Mandate Execution request to Juspay in order to debit the amount from user's accounts as per the set frequency. 

As per RBI requirements, a Pre-Debit Notification (PDN) is required to be triggered to customers at least 24 hours before the actual debit.


### Transaction workflow



![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/card-mandates/image%20(12).png)




### Please note



> **Warning**
> * If the mandate amount is <= ₹15,000, it is debited directly from the user’s card 
>   
>   * However, if transaction amount exceeds ₹15,000, an additional-factor authentication (AFA) is required, wherein an OTP is sent to the registered mobile number of the cardholder. The cardholder must input this OTP to authenticate and approve the transaction successfully.
>   * For mutual fund subscriptions, insurance premium payments and credit card bill payments, this limit has been increased to [Rs 1 lakh](https://www.rbi.org.in/scripts/FS_Notification.aspx?Id=12570&fn=9&Mode=0) recently
> * In case the delivery of the pre-debit notification fails, the mandate execution transaction will not be initiated by Juspay




### **Juspay Advantage** 



* Existing integrations with multiple PA/PG(s)
* Improve success rate with mandate retries
* End-to-end handling of Pre-Debit notifications
* Easy integration with minimal changes


### **Flow variations available** 



If you are using _Juspay HyperCheckout (Payment Page)_ , there are design variations available regarding how you handle user consent and education.


#### **1. Required flow** 



In case the user has already provided the consent for setting up the mandate on merchant app, only mandate information is shown on the payment page.

![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/card-mandates/Screenshot%202024-03-13%20at%205.03.52%20PM%20(1).png)




#### **2. Optional flow** 



Mandate consent can also be taken on the payment page itself from the user, if not taken before by the merchant. Hence, after landing on the payment page the user will have an option to go ahead with a mandate transaction or a one time transaction.

![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/card-mandates/Screenshot%202024-03-13%20at%205.02.58%20PM%20(2).png)




#### 3. Mandate flow with Review screen



There is also an option to add a Mandate Review screen before the card mandate registration transaction is initiated. This helps the user to verify the details and reduces drop offs.

[Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/card-mandates/Card%20mandate%20review.mp4)



> **Note**
> The message and design to get the User consent for mandates is configurable. The text and placement can be updated based on your business requirement.




### 🔘 Button: [Login to Integrate](https://portal.juspay.in//marketplace?id=953e9b14-f5d4-4933-8c4f-8131a11edea7&name=Card%20Mandates)




### **Analytics** 



You can use the Transaction Analytics Module in Juspay Dashboard to monitor the traffic and performance of card mandate registration and recurring payment transactions.