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UPI Reserve Pay is a payment framework that enables you to block customer funds upfront and debit automatically as products or services are delivered. It combines the security of One-Time Mandates (OTM) with the flexibility of multiple debits, ensuring high payment success rates and enhanced customer experience. Reserve Pay supports the following payment modes:
  • Savings Account (UPI-linked)
  • Credit Line on UPI
  • RuPay Credit Card on UPI

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Key features

UPI Reserve Pay provides the following capabilities:
  • Single block, multiple debits: Block a maximum amount once and debit multiple times against the blocked amount.
  • Guaranteed funds: Pre-blocked funds ensure payment collection without dependency on the customer’s future account balance.
  • Flexible payment collection: Debit exact amounts as services or products are delivered.
  • Automatic release: Any unused funds are automatically released after mandate expiry or when you manually release them.
  • Webhook notifications: Receive real-time updates for authorisations, payments, and refunds.

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Benefits

The following table describes the benefits of UPI Reserve Pay for merchants and customers:

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Use cases

The following table describes common scenarios where UPI Reserve Pay adds value:

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How it works

UPI Reserve Pay follows a workflow where customers reserve funds once, and you can debit multiple times against the reserved amount.

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Customer and merchant workflow

The following describes the end-to-end flow:
  1. Customer reserves funds: The customer authorises a total estimated amount via UPI PIN or pre-authorisation. For example, a customer reserves ₹10,000 for multiple purchases.
  2. You initiate multiple debits: You debit portions of the reserved amount for each product or service delivered:
    • ₹3,000 for Product 1
    • ₹3,500 for Product 2
    • ₹3,500 for Product or Service 3
  3. No additional customer action: The customer doesn’t need to enter a UPI PIN again for each debit. Reserved funds automatically cover each transaction up to the pre-approved limit.
  4. Guaranteed settlement: You receive funds instantly or at a guaranteed settlement schedule. The remaining reserved balance reduces automatically after each debit.

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Common scenarios

UPI Reserve Pay is particularly useful for the following business models:
  • Subscription services: Weekly or monthly deliveries
  • Instalment payments: Partial payments for multiple products
  • Pay-as-you-go models: Pre-reserved credit for multiple services like rides, utilities, or rentals

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Integration workflow

The following table outlines the steps you need to follow to integrate UPI Reserve Pay:
1

Create Subscription (Mandate Setup)

Initialise the subscription by passing the required customer and plan details through the Create Subscription API.Once successfully created, the subscription enters the INITIALIZED state, indicating that mandate setup has begun but customer approval is pending.
2

Raise Authorisation (Customer Approval)

Trigger the authorisation request to block the mandate amount. The customer approves the blocked amount via UPI.
  • On successful authorisation, the subscription transitions to the ACTIVE state.
  • The SUBSCRIPTION_AUTH_STATUS webhook is triggered to notify you of the authorisation outcome.
3

Raise Charge (Debit Funds)

Initiate a charge against the blocked funds (either full or partial amount).
  • On success, the SUBSCRIPTION_PAYMENT_SUCCESS webhook is triggered.
  • On failure, the SUBSCRIPTION_PAYMENT_FAILED webhook is triggered.
4

Get Mandate Details

Use the Get Mandate Details API to retrieve:
  • All charges raised against the mandate
  • Remaining blocked amount
  • Current mandate limits and status
5

Refund Individual Charge

Refund a specific charge using the Subscription Refund API.
  • Refund updates are communicated via the SUBSCRIPTION_REFUND_STATUS webhook.
6

Manage Mandate

Use the Manage Mandate API to:
  • Release unused blocked funds
  • Cancel the mandate if no longer required

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Supported apps and issuers

The following UPI apps and issuers support UPI Reserve Pay.
The following third-party application providers (TPAPs) support UPI Reserve Pay:
  • Paytm
  • Navi
  • BHIM

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Frequently asked questions

Contact your account manager or use the support form to enable UPI Reserve Pay for your account.
Yes, UPI Reserve Pay allows multiple debits against a single blocked amount until the limit is reached or the mandate expires.
The maximum blockable amount is ₹10,000, and the mandate is valid for up to 90 days.
Any unused funds are automatically released back to the customer. You will be informed about the updated status of the mandate.
Yes, individual debits can be refunded using the Subscription Refund APIs. Refund status is communicated via webhooks. Note that the refunded amount does not increase the original limit; the refund is processed like a standard UPI refund.
Use the Get Mandate Details API to view all debits, remaining limits, and subscription status.
Currently supported apps include Paytm, Navi, and BHIM. More apps will be added soon. Check with your account manager for the latest details.
The block amount is set during subscription creation and may vary by plan and merchant policy. For secondary markets, the limit can be higher. For most merchants, the current limit is ₹10,000 per month.
This depends on your merchant category. Please consult your account manager for details.
Yes, UPI Reserve Pay supports Savings Accounts, Credit Line on UPI, and RuPay Credit Cards.
You will receive a SUBSCRIPTION_PAYMENT_FAILED webhook. You can retry the debit if required.
Customers can cancel the mandate directly from their UPI app using the cancellation option.
Please contact your account manager for pricing details.