Unlock predictable revenue by automating your recurring payments. Collect repeat payments easily with the most advanced recurring payments solution. Convert and retain more customers through higher success rates on mandate creation and auto-debit.
Cashfree Subscriptions enables businesses to automate recurring payment collection with support for multiple payment methods. The solution is designed to help businesses reduce revenue loss through better success rates, faster onboarding, and flexible payment models.
Cashfree Subscriptions offers the right payment mode for every customer through four primary methods:
Collect recurring payments up to ₹15,000 instantly through UPI AutoPay. On-board your customers or borrowers within 30 seconds. Reduce loss of revenue with 30% higher success rates on mandate creation.
UPI intent flow supported on:
Maximum amount per debit: ₹15,000
Enable same-day mandate creation for up to ₹10 Lakhs via e-NACH or e-Mandate. Guarantee faster, superior checkout experience to your customers on netbanking or debit card based authentication.
Features:
Debit Card: Expand your subscription business to 90+ crore debit card users in India by allowing recurring payment set up via debit card.
Supported banks for debit cards:
Credit Card: Easily enable repeat purchases and subscriptions by accepting recurring payments on credit cards and deliver uninterrupted service.
Supported card networks:
Credit cards provided by MasterCard and Visa networks support auto-deduction of recurring payment. Card holders need to authorize the payment through Two-Factor Authentication or 3D Secure flow.
Provide the convenience of auto-debit to customers who do not have access to digital banking. Set up easy loan recollection with just a one-time signature approval from your borrowers via Physical NACH.
Cashfree's Subscriptions is built for:
Cashfree Subscriptions offers three flexible payment collection models tailored for different business needs:
Automate recurring payment collection for a predefined amount across any predefined interval (daily, weekly, monthly, yearly) based on your business needs.
Use cases:
Customer example: BRANCH, a digital lending platform, uses the fixed model of Cashfree Subscriptions for automatic loan recollection and also to levy late fees.
Looking to auto-debit variable amounts based on the services used? Opt for the usage based model and charge different amounts over a fixed interval for the product or service subscribed to.
Use cases:
Flexible payment collection for businesses with varying charge amounts.
Integrate the ready-to-use Subscriptions API with your mobile app or website and deliver a seamless, branded checkout experience to your customers with no redirects.
You can also use the Dashboard to create subscription plans, add customers and share payment links via Email or SMS.
Prevent loss of revenue due to failed payments with payment retry APIs.
Receive all your subscription payments on the same day, even on bank holidays. No need to wait for T+2 days.
Note: Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
Automate your vendor payouts by splitting payments on every transaction. Deduct your commissions, auto-credit payments to the partners or re-sellers' account based on the chosen settlements cycle.
NBFCs and Fintechs use Cashfree to collect repayments, disburse credit, and co-lend - all compliant with RBI's Digital Lending Guidelines.
Best-in-class success rates for automated debits across payment methods and irrevocable mandates on UPI PSPs to cover > 95% of users.
Supported methods:
Connect multiple existing current or escrow accounts and switch between them. Multi-bank support helps you avoid downtimes.
Automate bank account verification for e-KYC and validation before disbursing credit, and track collections from designated accounts.
API-based verification for:
Cashfree provides developer-friendly APIs and integrations to make implementation easy.
Resources:
Simple and transparent pricing with no hidden charges.
| Payment Method | Mandate Creation | Per Presentation | Total Cost | Notes |
|---|---|---|---|---|
| E-mandate | ₹7.5 | ₹7.5 | ₹15.0 | - |
| UPI AutoPay (< ₹1000) | ₹7.5 | ₹5 | ₹12.5 | For auto debit amount less than INR 1000 |
| UPI AutoPay (≥ ₹1000) | ₹7.5 | ₹15 | ₹22.5 | For auto debit amount of INR 1000 and above |
| Cards (Mastercard/Visa) | ₹7.5 | ₹7.5 | ₹15.0 | Platform fees per transaction applies separately |
Note: No hidden charges apply.
Custom pricing designed for enterprises with:
A few banks charge the end-customer for the creation of the mandate. This charge is not imposed by Cashfree Payments.
When you have a model where your customer is paying on a recurring basis for continuous usage of your product or service, it is called Subscription.
You can create a plan for the agreed duration using the charge model that is applicable for each customer and set automatic debits. The customer does not have to intervene with the payments after the initial checkout is completed.
A payment model where a customer authorizes a merchant to debit payments from their account automatically for any product or service on a recurring basis.
The customer needs to perform a one time approval to permit the merchant to directly debit their account. The payment cycle continues till the customer retracts the merchant's approval or the subscription expires.
Payment can be deducted at fixed (fixed amount at fixed intervals) or on-demand (variable amount, based on invoice generated by the merchant) basis. Recurring payments is most suited in the cases of repeat purchases or frequency based buying.
Credit cards provided by the popular card networks MasterCard and Visa support auto-deduction of recurring payment. For this the card holder needs to authorize the payment to the specified merchant which can be done through a normal Two-Factor Authentication or 3D Secure flow.
A card holder when authenticating the merchant to deduct recurring payments, needs to do a one-time transaction which is also the first transaction. To ensure the authenticity of the user and their account, an extra layer of security is added which involves passing the transaction request following a 2FA process.
In case of recurring payments, as the user does the 2FA, the auto-deduction is enabled.
UPI, Credit card, Debit cards and Nach or E-Mandate are the widely used instruments for recurring payments.
UPI: Autopay via popular UPI apps like PhonePe, Google Pay, Paytm, BHIM UPI, Amazon Pay and more.
Credit cards: MasterCard and Visa network cards-issued by any bank in India.
Debit cards: Mastercard and Visa network cards-issued by ICICI Bank, Kotak Mahindra Bank, Citibank and Canara Bank.
Nach or E mandate: A paperless authentication feature introduced by NPCI to debit from the Bank Account.
Yes, you can cancel a plan or subscription. However once canceled, it can't be restored, you need to create a new plan or subscription.
Yes, using Cashfree's Recurring Payments solution you can generate a subscription and through your internal system tag as many users as you wish to the subscription. Given the payment address will be single, Cashfree will process the billing for that address.
Yes.
The maximum amount per debit set for e-NACH mandate is ₹10,00,000.
The maximum amount per debit set for UPI AutoPay is ₹15,000.
A few banks charge the end-customer for the creation of the mandate. This charge, however, is not imposed by Cashfree Payments.
Collect recurring payments up to ₹15,000 with one time mandate authentication from 20+ UPI apps and unlock assured revenue.
Collect payments on your website or app through 180+ payment modes. Get settlements instantly credited to your account.
Split vendor commissions and manage marketplace settlements.
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis partners and was incubated by PayPal.
Certifications and Authorizations:
Businesses can create an account and start accepting recurring payments with:
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