If your business uses recurring billing and accepts Indian-issued cards, this CRM update helps reduce failed renewals by setting up the required e-mandate process more clearly during signup and billing.

📌 Why This Matters

Recurring payments can be frustrating when a customer signs up successfully but future charges do not go through. For Indian-issued cards, banks require e-mandate rules to be followed for recurring billing. This update helps make sure the payment method is prepared correctly, gives customers a way to confirm their mandate, and reduces renewal failures later on.

✨ What’s New

• Automatic payment method setup at signup: The payment method is now created before the small authorization charge, helping the system prepare the card correctly and support e-mandate creation for Indian cards.
• India-specific mandate handling: Mandate settings now include applicable tax amounts for India to better match RBI e-mandate requirements for recurring charges.
• Mandate confirmation in billing: Customers using Indian-issued cards will now see a billing page section where they can confirm the mandate through a 3DS verification flow.
• More reliable renewals: Once confirmed, recurring payments under ₹15,000 can renew automatically without extra authentication each billing cycle.
• Higher amount renewals supported: For charges above ₹15,000, the mandate can still be created, but the customer will need to approve the bank’s pre-debit notification for each monthly charge.
• No extra friction at signup: The signup experience stays the same, so customers can still complete registration without extra steps upfront.

🛠️ How to Use It

1. Step 1: Sign up for your subscription using an Indian-issued card.
2. Step 2: After signup, go to the billing page in your account.
3. Step 3: Look for the mandate confirmation section if you used an Indian card.
4. Step 4: Click Confirm Mandate and complete the 3DS verification popup.
5. Step 5: Once confirmed, future renewals can process automatically for amounts under ₹15,000. For higher amounts, watch for your bank’s pre-debit approval request each month.

📎 Good to Know

• This applies to Indian-issued cards: Non-Indian card behavior stays the same.
• Confirmation matters: If the mandate is not confirmed, renewals may fail later and require manual payment.
• Useful for recurring billing: This is especially important if your business depends on uninterrupted monthly subscriptions or service plans.

💡 Pro Tip

If you bill customers on a recurring plan, confirm the mandate right after signup so you do not lose revenue later from failed renewal payments.