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?
You can collect recurring payments using mandates for same-day or future-dated transactions. If you’re using Zoho Payments as a standalone app, you can create and execute mandates through our APIs for your transactions. If you’re using any Zoho Finance app, you can create recurring invoices or subscriptions through which your customers can pay.
When your customer initiates a payment, an autopay request is sent to their UPI app. Once the customer authorises the mandate, future payments will be collected automatically by Zoho Payments.
Notes:
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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.
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For same-day mandates, the minimum transaction amount is ₹6.
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Customers must be notified at least 24 hours in advance before initiating any payment using this mandate. You can either send the notification or let Zoho Payments notify them automatically.
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