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.

With the mandate module businesses will get the benefit of -

• Prebuilt support for mandate experience with all payment methods

• RBI compliant mandate processing with user consent and automated pre-debit user notifications

• Provide the optimal mandate registration experience based on your business and customer needs.

• Easy operations for executing recurring payments with few clicks on the Juspay Dashboard

• Analytics suite for monitoring performance of mandate signups and Renewals

Payment Flows

The Juspay Payment Page supports mandates on below payment methods:

• Cards (mandate payments with new cards and saved cards)

• Netbanking (eNach and eMandate)

• UPI Autopay (via UPI Collect and UPI Intent)

• Wallets (only Paytm)

User journey for UPI Intent Autopay

User journey for UPI Collect Autopay

Mandate Signup Experience

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

Mandate-only user 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.

Mandate-enabled user 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.

Analytics

Mandates Analytics module allows you to track mandates Signup Rates, Recurring Payment Success Rates and many more metrics across multiple payment methods, payment providers and 15+ rich dimensions.

Juspay Dashboard

Manage Payment Processors for Mandates: Manage multiple payment processors to route your mandate payments with a few clicks.

Bulk processing recurring payments: Easily execute recurring payments by uploading files on the Juspay Dashboard. This will eliminate the need for an API integration with Juspay Dashboard.

Payment Processors supported

While we are constantly striving to expand the coverage of mandate payments with more payment processors, below is the list of currently supported payment processors