Mandate once set is unique for merchants and issuer bank combinations. It is not possible to change any details of the mandate that has been set. Consumers will have to set up a new mandate if the underlying bank account is to be changed.
There will be a webhook notification sent to the merchant from HDFC SmartGateway if the notification of the same is sent to HDFC SmartGateway from the underlying gateways.
The notification to the customer is sent from the Issuer banks. This flow is triggered when the Mandate execution API of HDFC SmartGateway is called.
Yes, even for a failed transaction, if a mandate_id is created at PG end , the mandate details would also be returned in the response. In case of payment failed / Dropout cases - the mandate status can be CREATED/ FAILURE . Only when the mandate status is ACTIVE, it is considered as successfully registered.
The status of the recurring debit transaction depends on the payment methods, underlying PG, and bank. For UPI and Cards transactions the recurring debit execution would be in realtime and Netbanking it would be based on the associated banks.
It is recommended to wait for a 72-hour period as the fulfillment window, considering some banks have restrictions on non-working days to trigger pre-debit notification or execute the recurring payment.
