PAYWITHTHEMFINANCIAL INFRASTRUCTURE
HomePaymentsRecurring Payments & Subscription Engine
Compliant Mandate Engine

Recurring Payments & Subscription Engine

Collect recurring payments seamlessly with automated mandate authentication compliant with RBI recurring guidelines. Support UPI AutoPay, e-NACH netbanking mandates, and tokenized card schedules with intelligent dunning and retry logic.

subscriptions.autopay.switch
MANDATE ACTIVE
Mandate Rail:UPI AutoPay (NPCI Standard)
Frequency / Amount:Monthly / Up to ₹15,000.00
Pre-Debit Notification:Dispatched 24h prior (Compliant)
UMN (Unique Mandate):UMN_IN_9812401824
Platform Capabilities

Complete lifecycle management for Indian recurring commerce.

Managing recurring subscriptions in India requires strict adherence to regulatory pre-debit notifications and mandate limits. Our engine handles mandate creation, bank pre-debit dispatches, automated retries, and customer notifications out of the box.

UPI AutoPay integration for one-tap recurring authorization on Google Pay, PhonePe & Paytm
e-NACH electronic mandate setup via NetBanking and Aadhaar OTP for high-value B2B billing
Tokenized card recurring schedules with automated RBI pre-debit SMS alerts
Smart dunning logic to recover failed recurring transactions automatically
Flexible billing models: flat-rate monthly, tiered plans, add-on usage, and prorated upgrades
Customer self-service portal to view, pause, or cancel active mandates

Infrastructure Specifications

Supported Mandate RailsUPI AutoPay, e-NACH (NPCI) & Card Recurring
Compliance StandardRBI Framework for Automated Recurring Transactions
Pre-Debit NotificationsAutomated SMS / Email 24h Prior to Debit
Smart DunningConfigurable Exponential & Schedule-Based Retries
Webhook Eventsmandate.created, mandate.debited, mandate.failed
Why Choose Us

Engineered for reliability, scale & speed.

Deliver seamless experiences to your agents, merchants, and customers.

RBI Mandate Compliance

Automated 24-hour pre-debit notifications and customer consent flows built into the core scheduling engine.

Higher Retention & LTV

UPI AutoPay delivers significantly higher authentication rates than legacy international card mandates.

Automated Dunning Retries

Intelligent recovery algorithm retries failed charges at optimal bank hours, recovering up to 25% of failed debits.

Flexible Billing Cycles

Configure weekly, monthly, quarterly, annual, or custom milestone-based recurring billing schedules.

B2B & Enterprise Scale

e-NACH support allows recurring debit authorizations up to ₹1,00,00,000 for enterprise SaaS and commercial loans.

Developer First APIs

Programmatically create subscription plans, attach customer mandates, and receive event webhooks.

Step-by-Step Flow

How the transaction lifecycle works.

01

Define Plan & Cadence

Configure plan amount, billing cycle (e.g. monthly), and maximum authorization cap on your dashboard or API.

02

Customer Authorizes

Customer verifies the mandate via UPI AutoPay MPIN, debit card OTP, or netbanking credentials.

03

Automated Pre-Debit Alert

Our switch automatically dispatches the mandatory regulatory pre-debit notification 24 hours before billing.

04

Seamless Recurring Debit

Funds are automatically debited on the due date and settled to your commercial account with zero manual intervention.

Applications

Target use cases & audiences.

SaaS Platforms & Cloud Tools

Software Subscriptions

Automate monthly software licensing and usage billing with seamless UPI AutoPay support.

Digital Media & OTT

Content Memberships

Retain subscribers effortlessly with low-churn automated recurring renewal authorizations.

NBFCs & Fintech Lenders

Loan EMI Repayments

Automate recurring EMI collections through compliant e-NACH and UPI AutoPay mandate schedules.

Security & Compliance

Enterprise-grade financial defense.

Protected by multi-layered encryption, certified hardware modules, and strict regulatory standards.

Bank-Grade Encryption

TLS 1.3 encryption in transit and AES-256 GCM at rest for all transaction payloads.

FIPS 140-2 HSM Vault

Sensitive PIN blocks and biometric PID data are processed strictly in hardware modules.

RBI & NPCI Standards

100% compliant with national operating circulars, data localization, and tokenization rules.

T+0 Audit & Reconciliation

Deterministic idempotency keys and automated transaction ledger balancing.

Frequently Asked Questions

Everything you need to know.

Customers set up an AutoPay mandate once by authorizing with their UPI PIN in any supported UPI app. Subsequent recurring payments are automatically deducted on the scheduled due date up to the authorized amount cap.
Start Building Today

Ready to power your digital financial operations?

Join thousands of retail agents, digital platforms, and merchants who rely on paywiththem for fast, secure, and compliant financial infrastructure across India.

Paperless Digital Onboarding
Instant T+0 Wallet Settlements
24/7 Dedicated Support