{"id":28956,"date":"2025-03-25T17:35:49","date_gmt":"2025-03-25T12:05:49","guid":{"rendered":"https:\/\/blogrevamp.cashfree.com\/?p=28956"},"modified":"2025-10-06T17:44:00","modified_gmt":"2025-10-06T12:14:00","slug":"upi-one-time-mandate-for-merchant-transactions","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/","title":{"rendered":"UPI One-Time Mandate: Revolutionising Merchant Transactions"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a8f80a3ebdb9\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a8f80a3ebdb9\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#What_is_UPI_One-Time_Mandate_OTM\" >What is UPI One-Time Mandate (OTM)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#How_does_UPI_OTM_Work\" >How does UPI OTM Work?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#For_the_customer\" >For the customer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#For_the_Merchant\" >For the Merchant<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#Business_Use_Cases_for_UPI_OTM\" >Business Use Cases for UPI OTM&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#Why_Businesses_Should_Adopt_UPI_OTM\" >Why Businesses Should Adopt UPI OTM<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#Best_Practices_for_Merchants\" >Best Practices for Merchants<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#Communicate_transparently\" >Communicate transparently<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#Optimise_Management\" >Optimise Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#Establish_Trust\" >Establish Trust<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/blogrevamp.cashfree.com\/upi-one-time-mandate-for-merchant-transactions\/#Get_Started_with_UPI_OTM_on_Cashfree\" >Get Started with UPI OTM on Cashfree<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">India&#8217;s digital payments journey has evolved significantly, particularly with the advent of Unified Payments Interface (UPI) developed by the National Payments Corporation of India. UPI has transformed the way we pay, allowing millions of users to instantly transfer money with just a simple identifier\u2014 their UPI ID. From the roadside vendors that use QR codes for payment to major corporations adopting UPI into their systems, the technology has come to form the backbone of India&#8217;s cashless economy, boosting financial inclusion and convenience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With UPI growing, NPCI continues to improve the offering with features that are beneficial to all stakeholders. One of these innovations is the UPI One time Mandate also referred to as UPI ASBA, BHIM ASBA, or UPI PreAuth.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_UPI_One-Time_Mandate_OTM\"><\/span><strong>What is UPI One-Time Mandate (OTM)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">UPI One-Time Mandate (OTM) is a payment feature that provides merchants with the facility to reserve or block a particular transaction amount in a customer&#8217;s bank account without debiting it immediately.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike normal UPI payments in which the amount is charged immediately, OTM enables a merchant to reserve funds and enables them to subsequently &#8211;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Collect the complete amount<\/li>\n\n\n\n<li>Collect a partial amount<\/li>\n\n\n\n<li>Or void the transaction completely &#8211; depending on how things go.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s best suited for transactions that have some degree of uncertainty, like IPO applications, ticket reservations, or preorders.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From the customer&#8217;s point of view, this is assurance &#8211; no upfront payment and no delay in refunds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A Real-World Example : IRCTC Waitlisted Tickets<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider booking a waitlisted ticket of a train on the IRCTC system<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At present, you pay the full amount, i.e., INR 1000 upfront. In case the ticket doesn&#8217;t get confirmed &#8211; the process of refund begins and that can take days!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is where UPI OTM comes in handy &#8211;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Booking<\/strong>: You book waitlisted ticket, and IRCTC sends out a request for \u20b91000 mandate. You accept the same on your UPI app (Google Pay\/ PhonePe) and the amount gets blocked &#8211; not debited.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Confirmed Ticket<\/strong>: When the ticket gets confirmed, IRCTC collects the \u20b91000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Waitlisted Ticket:<\/strong> When the ticket does not get confirmed, IRCTC cancels the mandate and the \u20b91000 gets released immediately.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cancellation of Ticket: When the ticket got cancelled by you, IRCTC retains service charges, say \u20b9100, and the balance of \u20b9900 gets released.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This flexibility makes UPI OTM a standout feature, giving merchants payment security while keeping customers in control of their funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_UPI_OTM_Work\"><\/span><strong>How does UPI OTM Work?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s break it down from both the <strong>customer\u2019s<\/strong> and <strong>merchant\u2019s<\/strong> perspectives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_the_customer\"><\/span><strong>For the customer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Mandate Request: At checkout, you select your UPI app (intent), enter your UPI ID (collect), or scan a QR code to receive a mandate request.<\/li>\n\n\n\n<li>Approval: You enter your UPI PIN to approve the mandate. The amount approved is simply blocked &#8211; not deducted.<\/li>\n\n\n\n<li>Outcome: If the order proceeds, the amount is captured. If not, it\u2019s released or partially collected depending on the situation.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_the_Merchant\"><\/span><strong>For the Merchant<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Initiate Mandate:<\/strong> Using a payment gateway like Cashfree, the merchant sends a mandate request when an order is placed.<\/li>\n\n\n\n<li><strong>Fund Blocking:<\/strong> Once approved, the funds are held until the mandate expires\u00a0<\/li>\n\n\n\n<li><strong>Action:<\/strong> The merchant captures the full amount for fulfilled orders, a partial amount for adjustments, or voids the mandate for cancellations.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business_Use_Cases_for_UPI_OTM\"><\/span><strong>Business Use Cases for UPI OTM&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">UPI OTM is a great fit for businesses that need <strong>payment assurance before confirmation<\/strong>. Here are some real-world use cases:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stock Market &amp; IPO Applications\u2014Investors apply through UPI ASBA ( Applications Supported by Blocked Amount). The funds are debited only if the IPO is allotted.\u00a0<\/li>\n\n\n\n<li>Insurance Payments &amp; Policy Approvals \u2013 Insurance companies can block the premium amount beforehand and release it immediately if the policy is not approved.<\/li>\n\n\n\n<li>Electric Vehicle (EV) Charging &amp; Utility Payments\u2014For services where the final amount is not known (e.g., EV charging, metered utility consumption), UPI OTM ensures that the customers have sufficient funds while allowing merchants to deduct only the amount charged.\u00a0<\/li>\n\n\n\n<li>Hospitals &amp; Healthcare Services \u2013 In situations of uncertain insurance cover, hospitals may establish OTM to retain an estimated sum, allowing patient discharge even before final claim is approved by the insurer.<\/li>\n\n\n\n<li>Security Deposits for Rentals &amp; Leases \u2013 Companies renting cars or gadgets can block a refundable security deposit and charge only in the event of damages.<\/li>\n\n\n\n<li>Travel &amp; Hospitality \u2013 Block funds for hotel reservations, flight bookings, and cab rentals, ensuring payment security while allowing flexibility in modifications or cancellations<\/li>\n\n\n\n<li>Limited-Stock &amp; High-Demand Product Sales \u2013 For product launches (e.g., limited-version shoes, gaming consoles, flagship phones, or event tickets), sellers can block the funds in advance and receive payments only if the order is confirmed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Businesses_Should_Adopt_UPI_OTM\"><\/span><strong>Why Businesses Should Adopt UPI OTM<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For businesses that want to ensure a great customer experience, reduce refund-related operational hassle, and maintain payment assurance, UPI OTM is a game changer. Cashfree Payments offer a quick and seamless integration that allows you to offer UPI one-time mandate creation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Practices_for_Merchants\"><\/span><strong>Best Practices for Merchants<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Communicate_transparently\"><\/span><strong>Communicate transparently<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inform buyers that a mandate is not an immediate charge, but a temporary hold..\u00a0<\/li>\n\n\n\n<li>Give clear timeframes for mandate execution or void<\/li>\n\n\n\n<li>Keep buyers in the loop at all points during the mandate journey\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Optimise_Management\"><\/span><strong>Optimise Management<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pick suitable validity periods based on your need\u00a0<\/li>\n\n\n\n<li>Set up automated workflows for mandate capture or cancellation\u00a0<\/li>\n\n\n\n<li>Review pending mandates often to ensure timely processing.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Establish_Trust\"><\/span><strong>Establish Trust<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Be open about the highest amount that&#8217;ll be held.<\/li>\n\n\n\n<li>Lock funds for bookings in hotels, flights, and cabs to secure payments while also providing flexibility to modify or cancel\u00a0<\/li>\n\n\n\n<li>Honor Cancellation policies and void mandate immediately when cancelled<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get_Started_with_UPI_OTM_on_Cashfree\"><\/span><strong>Get Started with UPI OTM on Cashfree<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As a leader in the UPI payments space, <strong>Cashfree Payments<\/strong> is committed to driving innovation in digital transactions. If you\u2019re a business looking to implement <strong>UPI One-Time Mandate<\/strong>, get in touch with us today and revolutionise your payment experience.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.cashfree.com\/?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=upi-otm-cashfree\/\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"107\" data-attachment-id=\"29027\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/affiliate-program-for-website-development-agencies\/footer-common-image\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?fit=1258%2C174&amp;ssl=1\" data-orig-size=\"1258,174\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Footer Common Image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?fit=770%2C107&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=770%2C107&#038;ssl=1\" alt=\"\" class=\"wp-image-29027\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=1024%2C142&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=300%2C41&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=768%2C106&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=1200%2C166&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?w=1258&amp;ssl=1 1258w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>India&#8217;s digital payments journey has evolved significantly, particularly with the advent of Unified Payments Interface (UPI) developed by the National Payments Corporation of India. UPI has transformed the way we pay, allowing millions of users to instantly transfer money with just a simple identifier\u2014 their UPI ID. From the roadside vendors that use QR codes<\/p>\n","protected":false},"author":116,"featured_media":30626,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":true},"categories":[1383],"tags":[],"class_list":["post-28956","post","type-post","status-publish","format-standard","has-post-thumbnail","category-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>UPI One-Time Mandate: Revolutionising Merchant Transactions<\/title>\n<meta name=\"description\" content=\"Discover UPI One-Time Mandate (OTM) \u2013 a secure way to reserve funds without instant debits. Perfect for IPOs, ticket bookings, and preorders. Learn how it boosts transactions!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cashfree.com\/blog\/upi-one-time-mandate-for-merchant-transactions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UPI One-Time Mandate: Revolutionising Merchant Transactions\" \/>\n<meta property=\"og:description\" content=\"Discover UPI One-Time Mandate (OTM) \u2013 a secure way to reserve funds without instant debits. Perfect for IPOs, ticket bookings, and preorders. 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