Mandates - Overview
Zoho Payments supports recurring payments via UPI mandates, allowing businesses with subscription-based products to collect payments securely. A mandate is a one-time authorisation from your customer that lets you automatically collect recurring or scheduled payments. This sets up autopay for subscriptions, EMIs, or other recurring bills.
Once autopay is set up, funds are deducted from the customer’s account after notifying them. Customers can pause or cancel the mandate anytime through the same UPI app they used to set it up.
How does a mandate work?
A mandate allows businesses to collect recurring payments from customers by obtaining customer authorisation and executing scheduled payments. Mandates can be used for same-day or future-dated transactions.
Recurring Payments via Zoho Finance app
Businesses collecting recurring payments can create a recurring invoice or subscription and share it with their customers. Once the customer initiates payment and authorises it, a mandate is created. For future scheduled payments, your Zoho Finance app automatically executes the mandates, ensuring payments are collected on schedule.
Recurring Payments via Zoho Payments API
When using Zoho Payments as a standalone app, you can create and execute mandates through our APIs for your transactions.
- To collect recurring payments, first create a mandate by setting up a customer and a mandate enrollment session using our APIs. Once the customer authorises the mandate via their UPI app, future payments are collected based on the payment schedule.
- To execute the mandate, send a notification, create a payment session, and process the payment, with confirmations sent to both the business and the customer. Note that mandate executions are not automated and must be triggered manually through APIs.
You can track all created mandates and the payments collected through Zoho Payments in the Mandates module.
Notes:
- To authorise a future-dated mandate, you’ll be required to charge ₹1 from the customer. This amount will be settled in your next payout. For same-day mandates, the minimum transaction amount is ₹6.
- Customers must be notified at least 24 hours before initiating any payment using a mandate. You can either notify them first and then execute the mandate, or Zoho Payments will notify them automatically when you execute the mandate.
- Customers are required to authenticate mandate executions above ₹15,000 using their UPI PIN.
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