Things to keep in mind!
Please ensure that the UPI Autopay feature is enabled at gateway end.
Please ensure that the Emandate flag and payment method (as UPI collect and UPI intent) under Mandates/Subscriptions section are enabled under the respective gateway in Juspay dashboard.
Not all UPI Apps will be eligible for UPI Autopay, please make sure you check the eligibility of the UPI App for UPI Autopay with the UPI Application Eligibility for Mandate
UPI Autopay is enabled but isn't working, what do I do?
If UPI Autopay flow isn't working, please verify the gateway through which the transaction was processed and confirm whether Emandate flag and payment method (as UPI collect and UPI intent) under Mandates/Subscriptions section are enabled on that specific gateway. Additionally, examine for issues related to Priority Logic routing.
FAQs
1. What if the user wants to change the bank account?
Mandate once set is unique for merchants, acquiring PSP, Issuing PSP, and Issuer combinations. It is not possible to change the bank account once a mandate has been set. Consumers will have to set up a new mandate if the underlying bank account is to be changed.
2. What if the user revokes the mandate, how will the merchant get to know?
There will be a notification to the merchant from their respective acquiring PSP whenever a consumer revokes, pauses mandates from their UPI App
3. How do you handle failed debit attempts?
Failed mandates can be retried up to two times. If retries also fail, then mandate execution needs to be done again with pre-debit notification. Merchants will have an option to enable Auto retries at Juspay end.
4. Are there any limitations on the amount?
Users will not be asked to enter any PIN for < ₹2000 for subsequent debits. (User will need to enter the PIN for the first debit, in case no amount is debited within 1 min of mandate authentication). For amount > ₹2000, UPI PIN will be required for all subsequent debits. Maximum allowed amount per debit — up to 1 lac (can be 2 lakhs depending on merchant category)
5. Who sends the notifications to the consumer?
Merchants should trigger a notification API to the acquiring PSP/Bank at least 24 hours before execution. This notification must be sent by the issuing PSP/Bank to the consumer at least 24 hours before the debit time. Notification should be sent between a window of 48–24 hours before the mandate execution time.
6. What is the time window allowed for a debit attempt after the 24-hour notification?
Notification API needs to have details on the time of debit etc. and hence execution has to happen only at a mentioned time
7. Which apps are currently supporting recurring mandates?
All the apps are supporting this feature as of now.
8. Is there a chance of transaction success and mandate failure and vice versa ?
And how to handle this ?
Yes, there maybe cases where the amount is successfully debited but the mandate status is returned as Failure and it depends on the underlying gateways processing the mandate registrations. Relying on the mandate status parameter in the order status/ webhook responses for the final status is recommended.
9.If the order amount of the mandate registration transaction is refunded, would the mandate still be in active state ?
Yes, the order amount of the successful mandate registration transaction can be refunded and the mandate status would be in active state unless mandate revoke request is raised by customer/merchant.
- Have questions?
- Need help? Contact support
- LLM? Read llms.txt
