Once a UPI Autopay registration is successful, you can seamlessly initiate the recurring debit transactions with Juspay at per the set frequency
Use List Mandate API
to find the mandate_id linked for a customer_id.
If mandate_id is stored (available from Order status API/ Webhooks) at your end, the List Mandate API is not required and the Mandate Status API can be called directly
Use Mandate Status API
to get the updated mandate status and confirm if the mandate is in active state before initiating the recurring debit flow.
Use Mandate Execution API
to initiate the recurring debit transaction
Mandatory details: Order_id, Amount, Customer Id, Mandate ID
Please initiate this transaction at least 25 hours prior to the actual debit date to accommodate the time taken for a Pre-Debit Notification (PDN)
Once Mandate Execution transaction is received, Juspay immediately triggers a PDN.
Once this PDN is successful, there is a mandatory 24-hour wait period post which the recurring debit call is done by Juspay to the payment gateway
Please note that recurring debit transaction will be routed to the same PA/PG through which the UPI Autopay registration was done
In case the PDN fails, a Notification_Failed webhook will be triggered from Juspay with the failure reason.
You can call the Mandate Execution API again to retry the UPI Autopay recurring debit transaction
If the auto-debit amount is less than Rs 15000, it is debited directly from the customer's account, and the transaction is successful.
In cases where the auto-debit amount exceeds Rs 15000, the Issuing Bank sends a UPI Collect request to the customer for payment, serving as an additional-factor authentication step to complete high-value UPI Autopay payments in compliance with NPCI guidelines.