> ## Documentation Index
> Fetch the complete documentation index at: https://www.cashfree.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Subscriptions

> Find answers to subscriptions FAQs covering recurring payment modes, mandate setup, NACH and UPI AutoPay support, retry logic, and mandate cancellation steps.

<AccordionGroup>
  <Accordion title="What are the different ways that I can use Cashfree to collect recurring payments or payments for subscriptions from my customers?" onClick={() => posthog.capture('Accordion Clicked', { title: "What are the different ways that I can use Cashfree to collect recurring payments or payments for subscriptions from my customers?" })}>
    Cashfree offers four different payment methods, each with specific limits on the allowed subscription amounts, as outlined below.

    * UPI AutoPay
    * Cards
    * eNach
    * Physical Mandate

    [Learn more about these payment modes](/payments/subscription/payment-modes).

    <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23what-are-the-different-ways-that-i-can-use-cashfree-to-collect-recurring-payments-or-payments-for-subscriptions-from-my-customers" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
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  <Accordion title="Is the Cashfree Subscriptions solution compliant with the new Digital Lending Guidelines by RBI?" onClick={() => posthog.capture('Accordion Clicked', { title: "Is the Cashfree Subscriptions solution compliant with the new Digital Lending Guidelines by RBI?" })}>
    Yes, it is fully compliant with the new Digital Lending Guidelines by RBI. NBFCs and Fintechs can use Cashfree Payments to collect repayments, disburse credit, and co-lend without a hassle.

    <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23is-the-cashfree-subscriptions-solution-compliant-with-the-new-digital-lending-guidelines-by-rbi" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>

  <Accordion title="Who can benefit from using Cashfree Subscriptions?" onClick={() => posthog.capture('Accordion Clicked', { title: "Who can benefit from using Cashfree Subscriptions?" })}>
    Cashfree Subscriptions caters to various industries with diverse use cases. Some of the top ones include:

    NBFCs and Digital Lending Apps
    OTT Platforms
    Ed-Tech Platforms
    E-commerce Companies
    Investment Firms
    Insurance Providers

    <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23who-can-benefit-from-using-cashfree-subscriptions" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>

  <Accordion title="How to create a subscriptions plan on Cashfree Payments dashboard?" onClick={() => posthog.capture('Accordion Clicked', { title: "How to create a subscriptions plan on Cashfree Payments dashboard?" })}>
    1. Go to **Subscription Dashboard** > **All subscriptions** > **Create Subscriptions**

    2. Enter details – Add customer info, subscription ID, recurring amount, due date, and max debits.

           <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23how-to-create-a-subscriptions-plan-on-cashfree-payments-dashboard" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>

  <Accordion title="How to create a UPI AutoPay plan?" onClick={() => posthog.capture('Accordion Clicked', { title: "How to create a UPI AutoPay plan?" })}>
    To create a new subscription from the dashboard, Go to Subscriptions Dashboard > All Subscriptions > Create Subscription.

    You can also create multiple subscriptions at once using the dashboard. Go to Subscriptions Dashboard > Batch Subscriptions > Upload File to upload a file that contains all the information required for multiple subscriptions.

    [Learn more](/payments/subscription/create)

    <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23how-to-create-a-upi-autopay-plan" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>

  <Accordion title="What is the Bulk Payments tab on the Subscriptions dashboard?" onClick={() => posthog.capture('Accordion Clicked', { title: "What is the Bulk Payments tab on the Subscriptions dashboard?" })}>
    For On-Demand subscriptions, when you want to initiate a large number of payments for multiple subscriptions, you can use the Bulk Payments feature.

    <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23what-is-the-bulk-payments-tab-on-the-subscriptions-dashboard" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>

  <Accordion title="Can I migrate my mandate data from another payment aggregator to Cashfree?" onClick={() => posthog.capture('Accordion Clicked', { title: "Can I migrate my mandate data from another payment aggregator to Cashfree?" })}>
    Cashfree supports importing of mandate information for a subscription. You can move any historical mandate data to Cashfree and continue the transactions in Cashfree. Steps to initiate the porting process-
    Cashfree Payments ensures a smooth mandate porting experience.

    1. Contact Cashfree Support – Initiate the porting process by nominating Cashfree as your payment processing partner for your Utility Code or mandates.
    2. Partner Bank Coordination – Share the mandate list with your partner bank to update their systems. Our team will guide you through the process.
    3. Import Mandates – Upload the updated mandate list into Cashfree’s system.
    4. Start Processing Payments – Once imported, you can begin processing payments seamlessly through Cashfree.
       [Learn more about importing subscriptions](/payments/subscription/import).

           <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23can-i-migrate-my-mandate-data-from-another-payment-aggregator-to-cashfree" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>

  <Accordion title="What are the various eNACH transaction failure reasons?" onClick={() => posthog.capture('Accordion Clicked', { title: "What are the various eNACH transaction failure reasons?" })}>
    Once the eMandate is successfully created, the corresponding transactions can get declined due to the reasons listed below:

    | Transaction failure reason                                 | Detailed description                                                                                                                                                                                                                                           | Resolution                                                                                                                                                                                                 |
    | ---------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
    | Balance Insufficient                                       | This error is displayed when the end-customer does not have sufficient balance in their account. In this case, due to payment failure, the end-customer will be asked to pay a fine of amount equivalent to the cheque bounce charges by the destination bank. | The merchant can present the transaction again. It is recommended to contact the end-customer before retrying the failed transaction. A total of 3 retries are allowed before the start of the next cycle. |
    | Not Arranged For or Exceeds arrangement                    | This error is displayed when the end-customer does not have sufficient balance in their overdraft account.                                                                                                                                                     | The merchant can present the transaction again. It is recommended to contact the end-customer before retrying the failed transaction. A total of 3 retries are allowed before the start of the next cycle. |
    | Customer to refer to the branch                            | This error is displayed when the reason for the decline is unclear and the destination bank is expecting the end-customer to contact them for further clarification.                                                                                           | Merchant can contact the end-customer and recommend the end-customer to contact the bank and provide further clarification.                                                                                |
    | Account Closed                                             | This error is displayed when the account has been closed and thus all the associated mandates were deactivated.                                                                                                                                                | Further action cannot be taken in this scenario. The merchant can create another mandate for the end-customer to continue with the debit.                                                                  |
    | Invalid UMRN or Inactive Mandate                           | This error is displayed when the mandate has been de-activated by the NPCI's system. Usually when the mandate has not been debited over a prolonged period of time.                                                                                            | Further action cannot be taken in this scenario. The merchant can create another mandate for the end-customer to continue with the debit.                                                                  |
    | Mandate Cancelled                                          | This error is displayed when the mandate has been cancelled. This can be merchant initiated or end-customer initiated.                                                                                                                                         | Further action cannot be taken in this scenario. The merchant would have to create another mandate for the end-customer to continue with the debit.                                                        |
    | No Such Account                                            | This error is displayed when the account has been closed or no longer available. Thus all the associated mandates were deactivated.                                                                                                                            | Further action cannot be taken in this scenario. The merchant would have to create another mandate for the end-customer to continue with the debit.                                                        |
    | A/c Blocked or Frozen                                      | This error is displayed when all the withdrawals, purchases or transfers have been halted for this account. Hence, the presentation is not successful.                                                                                                         | The merchant must contact the end-customer to resolve this issue.                                                                                                                                          |
    | Payment Stopped by Drawer                                  | This error is displayed when the presentation has been stopped at the request of the end-customer.                                                                                                                                                             | The merchant must contact the end-customer to resolve this issue.                                                                                                                                          |
    | Payment Stopped under Court Order/Account Under Litigation | This error is displayed when the presentation has been stopped at a Court order.                                                                                                                                                                               | The merchant must contact the end-customer to resolve this issue.                                                                                                                                          |
    | Customer name mismatch                                     | This error is displayed when the account holder's name provided during mandate creation does not match the account holder's name at the time of presentation.                                                                                                  | Since the mandate cannot be edited, the merchant must create a new mandate with the end-customer.                                                                                                          |
    | Network Failure (CBS)                                      | This error is displayed when the Core Banking System(CBS) of the destination bank has a network failure. Generally, all the presentations for the affected bank would fail for the day.                                                                        | The merchant can try to present the transaction again. The transaction is expected to go through once the system is up.                                                                                    |
    | Returned as per customer request                           | This error is displayed when the presentation has been stopped at the request of the customer.                                                                                                                                                                 | The merchant must contact the end-customer to resolve this issue.                                                                                                                                          |
    | KYC Documents Pending                                      | Typically end-customer is expected to do a KYC for the bank account at least once in 3 years. On such cases, the presentation could be stopped by the bank, and this error message is displayed.                                                               | The end-customer must complete the KYC post which the merchant can try to present the transaction.                                                                                                         |
    | Documents Pending for Account Holder turning Major         | This error is displayed when the documentation is pending.                                                                                                                                                                                                     | End customer must complete the documentation process at the bank.                                                                                                                                          |
    | Account Inoperative                                        | This error is displayed when there are no transactions in an account for the last 3 months. All the associated mandates are deactivated.                                                                                                                       | Further action cannot be taken in this scenario. The merchant would have to create another mandate for the end-customer to continue with the debit.                                                        |
    | Dormant Account                                            | This error is displayed when there are no transactions in an account for the last 6 months. Account is dormant and all the associated mandates are deactivated.                                                                                                | Further action cannot be taken in this scenario. The merchant would have to create another mandate for the end-customer to continue with the debit.                                                        |
    | Small account, First Transaction to be from Base Branch    | For a bank account type - small account, the first transaction must happen at the home branch.                                                                                                                                                                 |                                                                                                                                                                                                            |
    | Account reached maximum Debit limit set on account by Bank | This error is displayed when the end-customer has sufficient balance in their account but the account has already reached the maximum limitation set for security reasons.                                                                                     | The merchant must contact the end-customer to increase the limit and then they try to do another presentation.                                                                                             |
    | Account Holder Expired                                     | This error message is displayed when the account holder has expired.                                                                                                                                                                                           | -                                                                                                                                                                                                          |
    | Account under litigation                                   | This error is displayed when an account is currently under legal action.                                                                                                                                                                                       | Further debits are not possible for this bank account. A new mandate must be created with a different bank account to take this forward.                                                                   |
    | Aadhaar number not mapped to the account number            | This error is displayed when the end customer Aadhaar number is not linked to the bank account.                                                                                                                                                                | The end-customer must link the Aadhaar number with the bank account post which the merchant can try to do another presentation.                                                                            |
    | Customer Insolvent / Insane                                | -                                                                                                                                                                                                                                                              | Further action cannot be taken for this error message. The merchant would have to create another mandate with a different bank account.                                                                    |
    | Item cancelled                                             | This error is displayed when the end-customer has cancelled the presentation.                                                                                                                                                                                  | The merchant must contact the end-customer to get this resolved post which the merchant can try to do another presentation.                                                                                |

    <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23what-are-the-various-enach-transaction-failure-reasons" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>

  <Accordion title="What is the Bulk Payments tab on the Subscriptions dashboard?" onClick={() => posthog.capture('Accordion Clicked', { title: "What is the Bulk Payments tab on the Subscriptions dashboard?" })}>
    For on-demand subscriptions, use the bulk payments feature to initiate a large number of payments for multiple subscriptions.

    <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23what-is-the-bulk-payments-tab-on-the-subscriptions-dashboard" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>

  <Accordion title="Multiple authorisations will be present if the customer has attempted the transaction multiple times?" onClick={() => posthog.capture('Accordion Clicked', { title: "Multiple authorisations will be present if the customer has attempted the transaction multiple times?" })}>
    Multiple auths will appear if the customer attempts the transaction more than once.

    <iframe src="https://www.cashfree.com/devstudio/preview/pg/embed/faqFeedback?section=subscriptions%2Ffaqs%23multiple-authorizations-will-be-present-if-the-customer-has-attempted-the-transaction-multiple-times" style={{ width: "100%", height: "65px", border: "none" }} title="FAQs feedback component" />
  </Accordion>
</AccordionGroup>