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    Frequently Asked Questions

    What are Subscriptions?

    Telr Subscriptions enables you to set up and manage recurring payments for your customers.

    What are the various Payment methods supported by Telr Subscriptions?

    The following payment methods are supported by Telr Subscriptions:
    • Bank Account (e-Mandate + Physical Mandate)
    • UPI Autopay
    • Debit/Credit CardBank Account (e-Mandate)

    What are the frequencies supported for all payment modes for Subscriptions?

    Payment MethodsSupported Frequencies
    eNACHDaily, weekly, monthly, yearly, and ad-hoc.
    CardWeekly, monthly, yearly, and ad-hoc.
    UPI AutoPayWeekly, monthly, and ad-hoc.
    Physical NACHDaily, weekly, monthly, yearly, and ad-hoc.

    What are the various subscription states?

    • 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.

    Can I retry a failed transaction and collect payments for that cycle?

    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.

    Can I extend the expiry date of a subscription?

    No. You cannot extend the expiry date of a subscription. You can cancel the subscription and create a new subscription.

    Can I test a subscription model before going live?

    Yes. You can test any subscription model in the test environment before going live.

    How do I know if I have received payments?

    You can use webhooks to get notified of all transactions. Follow these steps to configure webhooks.

    Can I modify an existing subscription?

    Yes, you can modify an existing subscription. You can update the recurring amount of an active subscription using Update Recurring Amount API.

    What is the difference between auth modes - “Net Banking” and “Debit card” under e-Mandate payment mode?

    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.

    What is the maximum amount limit for each payment method?

    Payment Methods SupportedBanks/Card Networks/UPI HandlesMaximum Subscription Amount Allowed
    eNACHCheck the list of NPCI-supported banks here₹ 1,00,00,000
    UPI AutoPayCheck the list of banks and PSPs here₹ 15,000 (without AFA)/ ₹ 1,00,000 (with AFA)
    CardVisa, Mastercard₹ 15,000 (without AFA)/ > ₹ 15,000 (with AFA)
    Physical MandatesCheck the list of banks here₹ 1,00,00,000

    Which apps are supported for UPI Subscriptions?

    Find the list of supported UPI applications and banks here.

    What is the cut-off time to raise a transaction?

    Charge Raised OnCharge Scheduled ForNACHUPI AutopaySI on Cards
    T: 00:00 - 06:59nullRaised on TNot AllowedNot Allowed
    T: 07:00 - 11:59nullRaised on T+1Not AllowedNot Allowed
    T: 00:00 - 06:59TRaised on TNot AllowedNot Allowed
    T: 07:00 - 11:59TNot AllowedNot AllowedNot Allowed
    T: 00:00 - 17:59T+1Raised on T+1Raised on T+1Not Allowed
    T: 18:00 - 23:59T+1Raised on T+1Not AllowedNot Allowed
    T: 00:00 - 23:59T+n (n between & including 2 and 14)Raised on T+nRaised on T+nRaised on T+n
    T: 00:00 - 23:59T+15Not AllowedNot AllowedNot Allowed

    What are the various eNACH failure reasons?

    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

    What all type of bank accounts are supported for eNACH mandates?

    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).

    What are the intent apps supported by Subscriptions?

    The table below lists the intent applications supported by Subscriptions.
    AppsAndroid IntentiOS Intent
    Paytm✔️✔️
    GPay (@okhdfc, @okicici, @oksbi)✔️✔️
    PhonePe✔️✔️
    AmazonPay✔️✔️

    Can my customer pause/cancel a mandate from their end?

    Yes, your customers can pause and cancel the mandate from their UPI application (Mandates section > Active mandates > Pause/ Cancel mandate > Submit).

    Can I resume the mandate if my customer has paused it?

    No. Only your customer has the option to resume the mandate which was previously paused.

    What is the longest expiry time (in years) that can be set for an enach?

    The expiry time for e-NACH can be set for a maximum of 30 years.
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