Adding UPI Autopay Recurring Debits
Step 4: Enable UPI Autopay Recurring payment flow for future debits
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.NoteIf
mandate_idis 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 directlyUse 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 transactionMandatory 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_Failedwebhook 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
NoteIf 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.
After the mandate execution is initiated, you can check the status of the Recurring debit transaction using
Order Status APIJuspay will share the UPI Autopay recurring debit order status & details in response of
Order Status APIand also inWebhooksChanges are required at your end to handle the mandate parameters passed in the responses
You can also use the List Mandate API
to get the details of all the mandates for a particular customer for your Mandate Management section
You can manage the Juspay Mandate IDs set up for your users in Mandate Management section using the following APIs:
Use Revoke Mandate API
to revoke/cancel an Active mandateUse Pause Mandate API
to Pause an Active Mandate till a set time Use Resume Mandate API
to resume the paused mandates