UPI for Business.
Turn one-time users into lifetime subscribers
One recurring payments stack across UPI, Cards, eNACH and Global subscriptions - built to register mandates faster and keep every renewal running seamlessly.
Powering subscriptions across business ecosystems
SOLUTIONS
A complete recurring
payments stack
Automate collection across every rail your customers already use. UPI Autopay, Cards, and eNACH, from one integration.
UPI Autopay
Cashfree provides India's best UPI Autopay stack, powered by an in-house UPI switch built for scale.
Highest Success Rate on registration and debit.
Cashfree's UPI AutoPay automates recurring payments to offer your customers a seamless subscription experience.
Mandates run across Intent and QR flows , and customers can authorise them on RuPay credit cards , credit line and wallet .
~91%
Mandate reg. SR
50+
UPI PSPs
UPI INFRASTRUCTURE
Infrastructure that maximises success rates
Reduce lost revenue with up to 35% higher success on mandate creation, and keep debits landing long after setup.
In-house UPI switch
UPI Switch optimizes payment routing and manages up to 12,000 transactions per second, ensuring a 30% reduction in latency and 20% lower failure rates.
Dynamic routing
An interoperable mandate framework processes each mandate through the best-performing path, so success rate stays high even when one route struggles.
Smart retries
Failed payments retry automatically up to 10 times, driving up to 95% success across mandate debits with no manual follow-up.
Automated reminders
Pre-debit notifications reach a 98% delivery rate and lift success by up to 10% by preparing customers for the charge.
Penny-less verification
Same mandate.
Any app. Any bank.
Mandates are not tied to a single payee VPA, bank, or PSP, so processing can move to the best route and customers keep full control.
No vendor lock-in
Routed via best-performing path
Better customer experience
UPI MANDATE FLEXIBILITY
Flexible mandate options for every business need
Pick the mandate type that fits your collection and compliance needs, then launch it across plans.
Periodic mandates
Choose a fixed frequency, daily, weekly, monthly, or yearly, to launch flexible subscription plans.
On-demand mandates
Adjust frequency, amount, and period to each customer's usage or consumption pattern.
Non-revocable mandates
A non-revocable flag means the customer cannot cancel or pause the mandate until it expires, reducing default risk.
Mandates with TPV
Third Party Validation links a mandate to the customer's verified bank account, preventing unauthorised payments.
UPI MANDATE FLEXIBILITY
Standing Instruction on Cards
Expand your subscription business to card users in India by allowing recurring payment set up via debit and credit cards.
One authentication, every future charge automatic.
After the first transaction, recurring charges run without OTP, without the customer re-approving, and without you chasing renewals by hand.
No OTP on repeat charges: only the first transaction needs authentication, per the RBI e-mandate rule.
~90% charge success rate.
Auto-retries on failed notifications and charges, so a missed renewal stops being a hidden loss.
Works across Visa, Mastercard, and RuPay. VISA RuPay
Card infrastructure built for higher success rates.
Intelligent routing and direct bank rails push more charges through, while customers manage everything themselves.
AI and ML routing sends each charge to the best-performing gateway, with auto-fallback to active banks for near-zero downtime.
2% higher success with dynamic routing, plus automatic retries on every initiation failure.
Customer Hub lets subscribers view saved cards across merchants, track active subscriptions, and pause or manage them anytime.
NET BANKING
eNACH
Collect high-value recurring payments effortlessly using secure eNACH mandates.
Automate large tickets across India's top banks.
A cost-effective way to accept high-value, recurring B2B and consumer payments, with same-day setup and clean reconciliation.
Drive eNACH across 50+ Indian banks and automate recurring payments for 95%+ of users.
Accept and automate digital payments of up to ₹10 lakh from all of India's top banks.
Easy same-day mandate creation over Netbanking for a simple setup flow.
Simpler tracking and reconciliation than RTGS, IMPS, or NEFT.
GLOBAL
Global
Recurring Stack
Set up global subscriptions with flexible plans, recurring payments, and smart retention tools.
International Card Subscriptions
Accept recurring payments on Visa and Mastercard with automated billing.
Subscriptions on Apple Pay
Accept recurring payments with faster signup, biometric authentication, and secure tokenised credentials.
Use case
Cashfree's Subscriptions is built for
Ed-tech startups
NBFCs & Digital Lending apps
Investment firms
OTT platforms
Ecommerce companies
Testimonials
Recurring revenue that compounds
India's short-form mobile-drama platform, with 50M+ downloads, runs signup mandates and renewals on UPI Autopay. Fast mandate creation on the in-house UPI switch, dynamic routing, and automated pre-debit reminders with retries keep registration and renewal success high.
A digital gold investment platform with daily, weekly, and monthly SIPs. Aura Gold scaled recurring investments as active mandates grew 60%+ in a year, while holding an average 90%+ success rate on Cashfree's UPI infrastructure.
BharatPe built a more reliable lending-repayment experience on Cashfree, taking independent control over pre-debit notifications and charges to make repayment collection steadier across its infrastructure at scale.
Get Started
Collect recurring payments at scale, on every rail .
One subscription stack that registers mandates faster and keeps renewals running on their own, across UPI Autopay, SI on Cards, and eNACH.
