One-Time Mandate
Feature Benefits
Improved User Experience
Reduced Payment Failures
Hassle-free solution for both merchants and users
Convenient Payments Process
How it works?
One Time Mandate Registration
Registration involves customers providing consent to initiate one-time mandate payments. The registration of autopay and the blocking of the actual order amount occur simultaneously. Users earns the interest for the blocked amount till the execution period and merchant guarantee the mandate amount.
Autopay details required for registration:
Order amount - One-time payment amount (in ₹)
Max mandate amount - Max mandate amount for the future (in ₹)
Mandate Start Date - Mandate creation date(Default - Today’s date)
Mandate End Date - 14 days from the start date(Default - 90 days from Start date)
Mandate Frequency - ONETIME
UPI Autopay support is currently present for a selected set of UPI apps and handles
UPI Intent
User can make one-time payment & set up one-time mandate in one go, using UPI Intent Apps.
UPI apps available on the user’s device that support UPI one-time mandate will be visible on the payment page.
UPI Collect
User can also use the UPI ID (VPA) to make one-time payment & set up one time mandate, in one go.
For UPI IDs that are not eligible for one time mandate, a Collect request for only one-time payment can be initiated.
UPI QR
User can scan UPI QR to initiate Autopay request, provided the chosen UPI App & UPI ID supports one-time mandate.
Capture the Blocked Fund
Merchants are required to invoke Juspay execution payment request in order to release the amount from customers' accounts to Merchant’s account.
As per IRDAI regulations, merchant does not process the application within the period of 14 days, the blocked amount should be automatically unblocked by the merchant.
Transaction Workflow
Please note
If the auto-debit amount is < Rs 15K, it is debited directly from the customer's account.
However, for auto-debit amounts > Rs 15K, the Issuing Bank sends a UPI collect request to the users for payment, serving as an additional-factor authentication (AFA) step as per compliance with NPCI guidelines
For mutual fund subscriptions, insurance premium payments and credit card bill payments, this limit has been increased to Rs 1 lakh
recently
If the debit request(Mandate Execution API) is not sent before expiry(14 days), the blocked funds are released and returned to the customer.
If the money is not released even after expiry, we recommend merchants to revoke the active mandate.
Juspay Advantage
Out of the box ready integration with multiple PA/PG(s)
Easy integration with minimal changes
Flow variations available
1. Required flow
In case the user has already provided the consent on merchant app, only one-time mandate information is shown on the payment page.
2. Optional flow
In the optional flow, the user will have the choice to proceed with a normal payment or switch to a one-time mandate payment by toggling the BASBA option.
Analytics
You can use the Transaction Analytics Module in Juspay Dashboard to monitor the traffic and performance of UPI one-time mandate payment transactions.
- Have questions?
- Need help? Contact support
- LLM? Read llms.txt
