Introduction
Mandates are standing authorizations on recurring payments used for subscription-based products where the amount is automatically debited from the user's account on a registered payment method at certain 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 regular/non-regular intervals based on your business use case.
Two main flows must be implemented for a successful mandate integration: Mandate Registration and Mandate Execution. First 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 as outlined in the mandate details.
Payment Flows
Juspay Hypercheckout supports mandates on below payment methods:
UPI Autopay (via UPI Collect and UPI Intent)
Netbanking (eNach and eMandate)
Cards
Wallets (only Paytm)
Mandate Registration Experience
Juspay Hypercheckout provides a range of mandate signup experiences which can be invoked based on your business needs
Required Mandate Setup 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 payments only. In other words, one-time payment methods will not be allowed.
Optional Mandate Setup journey:
The user will be presented all payment methods available with the merchant, 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 gets to choose whether to subscribe or perform one-time payment.
Mandate Recurring Experience
Recurring Payment is a completely API based journey between Merchant and Juspay. User will only be notified about upcoming recurring (except in eNACH) and the actual debit.
Mandate Status change
User triggered
The mandate once setup might move into various states depending on the user action on the UPI app/ Issuer website i.e. user can Pause/ Cancel/ Unpause a mandate. Juspay sends a webhook whenever a state change is triggered, merchant should update the Mandate status on their side to handle the following via Send user a message with relevant Action Item (to re setup a mandate).
Not all mandates like one created for Lending merchants if they have a use case, can be modified by users; some can only be initiated by the merchant.
Merchant triggered
If the user comes to Merchant’s website and revokes/pause/unpause the mandate then the same is to be informed to Juspay. Juspay will internally revoke and call the PG’s API to hit revoke
Not all PG’s provide the Revoke functionality. Visit the Feature Matrix link to see the list of supported PGs
A brief comparison between different mandate methods
|
S.No
|
Autopay Mode
|
Activation Time
|
Rejection Probability
|
Reasons for Rejection
|
Maximum Mandate Tenure
|
ECS charges
|
Maximum Limit (INR)
|
PDN sent to User
|
Available on Juspay
|
|---|---|---|---|---|---|---|---|---|---|
1
| UPI Autopay
| Instant
| Minimum to zero
| > Incorrect UPI Pin > Succeeding Daily limit > UPI Payment link expire > Insufficient Balance in account
| 99 Years
| Zero
| > Max limit 2 lakh/ day > Greater than 15k 2FA required
| Yes 24 Hours before
| Yes
|
2
| eNACH
| 3-4 days
| Low
| > Incorrect Authentication details
| 30 Years
| Varies basis banks but levied if minimum balance is not maintained for Mandate Transaction
| 1 Crore
| No
| Yes
|
3
| pNACH
| 7-10 days
| High
| > Errors while filling form > Uploaded Image not clear
| 30 Years
| Varies basis banks but levied if minimum balance is not maintained for Mandate Transaction
| 1 Crore
| No
| Yes
|
4
| eSign
| 3-4 days
| Low
| > Aadhar entered mismatch > Incorrect authentication details
| 30 Years
| Varies basis banks but levied if minimum balance is not maintained for Mandate Transaction
| 1 Crore
| No
| Yes
|
5
| e-mandates
| Instant
| High
| > Errors during form filling
| 30 Years
| Varies basis banks but levied if minimum balance is not maintained for Mandate Transaction Item
| 1 Lakh
| No
| Yes
|
6
| Cards
| Instant
| Low
| > Tokenization not present > Incorrect Card details
| Till Card Expiry
| Zero
| After 15k 2FA required
| Yes 24 Hours before
| Yes
|
7
| Wallet/ Buy now pay later
| Instant
| Low
| 30 Years
| Zero
| No
| Yes
|