Payments
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Frequently Asked Questions
Telr Subscriptions enables you to set up and manage recurring payments for your customers.
The following payment methods are supported by Telr Subscriptions:
- Bank Account (e-Mandate + Physical Mandate)
- UPI Autopay
- Debit/Credit CardBank Account (e-Mandate)
| Payment Methods | Supported Frequencies |
|---|---|
| eNACH | Daily, weekly, monthly, yearly, and ad-hoc. |
| Card | Weekly, monthly, yearly, and ad-hoc. |
| UPI AutoPay | Weekly, monthly, and ad-hoc. |
| Physical NACH | Daily, weekly, monthly, yearly, and ad-hoc. |
- INITIALIZED - When a subscription is created and authorization is pending.
- BANK APPROVAL PENDING - When an authorization is successfully done.
- ACTIVE - When a subscription is registered across all NPCI and destination bank.
- ON HOLD - When a charge fails for a given subscription
- PAUSED - When you explicitly pause a subscription.
- COMPLETED - When a subscription successfully completes its desired duration.
- CUSTOMER CANCELLED - When a customer cancels the subscription at their end.
- CUSTOMER PAUSED - When a customer pauses the subscription at their end.
- EXPIRED - In case of seamless subscription, if authorization is not attempted until expiry time
- LINK EXPIRED - In case of non-seamless subscription, if authorization is not attempted until expiry time.
Yes. You have the option to retry the last failed charge after consulting with your customer via Dashboard or API. Please refer here for more information.
No. You cannot extend the expiry date of a subscription. You can cancel the subscription and create a new subscription.
Yes. You can test any subscription model in the test environment before going live.
You can use webhooks to get notified of all transactions. Follow these steps to configure webhooks.
Yes, you can modify an existing subscription. You can update the recurring amount of an active subscription using Update Recurring Amount API.
The end customer is authenticated by the corresponding bank and the customer enters the net banking credentials or enters the Debit Card credentials. The Debit Card credentials are only used to authenticate the user. Due to the same reason, the mandate will continue even if the Debit Card expires.
| 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 |
Find the list of supported UPI applications and banks here.
| Charge Raised On | Charge Scheduled For | NACH | UPI Autopay | SI on Cards |
|---|---|---|---|---|
| T: 00:00 - 06:59 | null | Raised on T | Not Allowed | Not Allowed |
| T: 07:00 - 11:59 | null | Raised on T+1 | Not Allowed | Not Allowed |
| T: 00:00 - 06:59 | T | Raised on T | Not Allowed | Not Allowed |
| T: 07:00 - 11:59 | T | Not Allowed | Not Allowed | Not Allowed |
| T: 00:00 - 17:59 | T+1 | Raised on T+1 | Raised on T+1 | Not Allowed |
| T: 18:00 - 23:59 | T+1 | Raised on T+1 | Not Allowed | Not Allowed |
| T: 00:00 - 23:59 | T+n (n between & including 2 and 14) | Raised on T+n | Raised on T+n | Raised on T+n |
| T: 00:00 - 23:59 | T+15 | Not Allowed | Not Allowed | Not Allowed |
eNACH mandate creation and transactions are usually observed to fail due to several operational or customer-driven errors.
You can view some of the common ones here
eNach mandate creation is limited to only savings accounts and individual (proprietor) current accounts. It is not supported for other types of current account i.e., pvt limited, or trust accounts and other current account types where there are multiple owners of the account. For individual (proprietor) current accounts as well, most of the destination banks (end customers bank) do not support mandate creations. In these cases, it is advised to check with the destination bank (incase of any policy change), or use Physical Nach (where customers’ signature is present).
The table below lists the intent applications supported by Subscriptions.
| Apps | Android Intent | iOS Intent |
|---|---|---|
| Paytm | ✔️ | ✔️ |
| GPay (@okhdfc, @okicici, @oksbi) | ✔️ | ✔️ |
| PhonePe | ✔️ | ✔️ |
| AmazonPay | ✔️ | ✔️ |
Yes, your customers can pause and cancel the mandate from their UPI application (Mandates section > Active mandates > Pause/ Cancel mandate > Submit).
No. Only your customer has the option to resume the mandate which was previously paused.
The expiry time for e-NACH can be set for a maximum of 30 years.