Supported Payment Methods

Learn the different payment methods that can be configured to accept payments from your customer.

Cashfree Subscriptions currently supports the following payment modes to collect payments from your customer:

• Bank Account (e-Mandate + Physical Mandate)
• UPI Autopay
• SI on Cards (Standing Instructions on Credit or Debit Card)

Maximum subscription amounts allowed for different payment methods are mentioned below:

Payment Methods Supported	Banks/Card Networks/UPI Handles	Maximum Subscription Amount Allowed
eNACH	Check the list of NPCI-supported banks here	₹ 1,00,00,000
UPI AutoPay	Check the list of banks and PSPs here	₹ 15,000 (without AFA)/ ₹ 1,00,000 (with AFA)
Card	Visa, Mastercard	₹ 15,000 (without AFA)/ > ₹ 15,000 (with AFA)
Physical Mandates	Check the list of banks here	₹ 1,00,00,000

AFA refers to Additional Factor Authentication where customer needs to authorize the charge debit by entering additional information.
For UPI Autopay: UPI PIN
For SI on Cards: OTP

As per NACH guidelines, e-NACH is allowed only for individual savings and current accounts where a single signatory is registered with the respective bank. For corporate current accounts with multiple signatories registered with the respective bank, you need to use physical NACH.

Note: There is no authorisation amount(immediate charges) charged for E-NACH; the amount is zero (0).

Supported Payment Frequencies

Payment Methods	Supported Frequencies
eNACH	Daily, Weekly, Monthly, Yearly, and ad-hoc.
UPI AutoPay	Daily, Weekly, Monthly, and ad-hoc.
Card	Weekly, Monthly, Yearly, and ad-hoc.
Physical NACH	Daily, Weekly, Monthly, Yearly, and ad-hoc.

Bank Account (e-Mandate)

Customers can authorize the subscriptions using their bank account via Net Banking, Debit Card or Aadhaar. They must enter their bank account details and authorise the subscription. The payment gets debited automatically based on the plan selected.

To authorize using a bank account, on the checkout page, customers must select:

1. Bank Account (e-Mandates) payment method on the checkout page.
2. Bank and the preferred authorization mode, Net Banking, Debit Card or Aadhaar (whichever modes applicable per bank)
3. Enter the required details, and approve the subscription.

Banks Supported
The list of supported banks can be found here.

Bank Account (Physical Mandate)

Customers can authorize the subscriptions using only their signature and bank account details. There is no requirement to have a debit card / netbanking enabled to set up the mandate.

The physical NACH form includes several fields that can be pre-filled to simplify the process. Leave the UMRN (Unique Mandate Reference Number) field blank when creating a mandate. Cashfree will provide values for the Sponsor Bank Code, Utility Code, and Authoriser Information.

Refer the below sample physical mandate.

You can pre-fill the following fields:

• Date: The date when the form is filled.
• Frequency: Select an appropriate option based on your use case: Monthly, Quarterly, Half-Yearly, Yearly, or As and When Presented.
• Amount: The mandate amount to be debited.
• Debit Type: Select Fixed Amount for recurring payments or Maximum Amount for on-demand debits.
• Reference 1 and Reference 2 (optional): Use these fields to add internal remarks, subscription IDs, or other identifiers relevant to your system.
• Period of mandate: Enter the mandate duration, from the first debit date to the subscription end date. To keep the mandate active until cancelled, select Until Cancelled.

After you pre-fill these fields, share the form with the customer. Ask the customer to complete their bank account details and signature. This helps reduce manual errors and improves the overall experience.

When you receive the completed form, do one of the following:

• Use the Bulk Physical Mandate feature on the Cashfree dashboard to upload the details, or
• Integrate using the below Cashfree APIs:
  1. Step 1: Create Seamless Subscription - Use this API to create a subscription for your customer that includes providing customer & mandate details. If the mandate details such as amount & frequency are the same for all your customers you can create a plan before creating a subscription. The response will give you the list of supported banks applicable for physical mandate.
  2. Step 2: Upload File - Use the Upload File API to upload the Physical Nach registration forms that contain your customer’s bank account details, mandate details and signature. You will receive a file ID in the response, this needs to be used in the next step.
  3. Step 3: Create Auth Seamless Physical Mandate - Use the Create Auth Seamless Physical Mandate API to create an Authorization request for your customer. For Physical mandates, this API lets Cashfree Payments know that the nach form is to be raised to the bank for registering the mandate in production.

Banks Supported
The list of supported banks can be found here.

Debit/Credit Card

Customers can authorize the subscriptions using their Debit/Credit Card. They must enter their card details to authorize the subscription similar to a regular one-time online payment. The payment is automatically debited based on the plan selected. All issuing banks are are supported for Credit and Debit Card payments.

Only VISA and Mastercard network cards are supported as of now

UPI Autopay

Payments for subscriptions via UPI give customers the flexibility to pay using any UPI application. Customer must first enter their UPI VPA and authorise the subscription.

For mandates where debit amount is greater than Rs. 15,000, customers will need to enter their UPI PIN on the collect request triggered to their VPA. No such customer input is required for debit amount less than Rs. 15,000.

As per recent RBI guidelines, for mutual fund payments, CC payments and insurance premium payments, no customer input is required for debit amount upto Rs. 1,00,000

Intent Apps Supported by Subscriptions
The table below lists the intent applications supported by Subscriptions.

Apps	Android Intent	iOS Intent
Paytm	✔️	✔️
GPay	✔️	✔️
PhonePe	✔️	✔️
AmazonPay	✔️	✔️

UPI Autopay is supported for all methods via Intent Flow, Collect Flow, and QR Flow