Subscriptions

Cashfree Subscriptions enables you to set up and manage recurring payments for your customers.

With Cashfree Subscriptions, you can easily create and manage subscriptions for your customers and charge them automatically as per the plan and the charge model defined.

The subscription service is available through the Dashboard and APIs.

Overview

With Cashfree Subscriptions, you can do automatic debits from your customers. The customer does not have to intervene with the payments after the initial checkout is completed.

The following points help you understand our workflow better:

  1. You must first create a plan for the agreed duration using the charge model that is applicable for each customer.

  2. Create a subscription with the plan and share the link with the customer.

  3. Customer completes the checkout. After successful checkout, the subscription will be active till the duration that has been agreed with your customer.

Charge Model

Cashfree offers two charge models that you can use to charge the customers, Periodic and On-Demand.

Periodic

Customers will be charged a fixed amount at fixed intervals (Daily, Weekly, Monthly, Yearly) for the goods/services that you provide. Specify the amount and the charge frequency to create a plan using the periodic charge model. Example: For SIP payments where customers must make the payment on the same date month-wise. Cashfree schedules the payment as per the plan, and the fixed amount gets debited from the customer account.

On-Demand

When subscriptions do not have a fixed period or a fixed amount, you can use this charge model. Example: Wallet recharges - when the balance reaches the minimum required amount, you can enable auto-recharge for customers using subscriptions.

Before you create subscriptions for your customers, create a plan and specify the charge model which works for your customers.

Create Plan

To create a plan,

  1. Go to PG Dashboard > Subscriptions > Plans > New Plan.

  2. Enter a Plan ID to identify the plan when you create a subscription.

  3. Enter a Plan Name for easy reference.

  4. Enter a Description for the plan. The details you enter here will be visible to your customers during checkout.

  5. Select Plan Type. It can be Periodic or an On-demand plan.

  6. For periodic plans select the Interval Type (monthly, weekly, etc.)

  7. Specify the Amount to be charged. For on-demand plan type, specify the Max Amount that a customer can be charged for this plan.

  8. Click Create. A plan has been created and you can create subscriptions using this plan.

Use our APIs to create plan. Click here to know more.

Create Plan

Subscriptions Workflow

Every subscription should have a plan. You can define the duration and the amount which you will charge your customers in the plan.

  1. Create subscriptions and share the link with customers

  2. Customer complete the checkout and subscription will be active

  3. Manage subscriptions

Step 1: Create Subscription

After you have created the plan, the next step is to create a subscription to charge the customers as per the plan created.

To create a new subscription,

  1. Go to PG Dashboard > Subscriptions > View Subscriptions > New Subscription.

  2. Enter a unique Subscription Id. This is used to identify each subscription.

  3. Select the Plan which you have already created. Click here to know how to create a plan.

  4. Enter the Customer Email and Customer Phone.

  5. Enter the Expiry Date, the last date till the subscription is valid.

  6. In the Note field, enter a brief description for the subscription. Customers can view this during checkout.

  7. Enter the Return URL to which customers will be redirected to after the subscription has been authorized.

  8. Click Create. The subscription has been created, and you can share the subscription authorization link with the customers. Customer can provide their card details/account number and authorize the subscription.

Use our APIs to create Subscriptions.Click here to know more.

Create Subscription

Use our APIs to create Payment Links, click here to know more. You can also customise the payment flow for your customers, click here to know more.

Step 2: Checkout Success

For the checkout to be successful, your customers must authorize the subscription using the link shared. You can use our standard checkout flow or you can customise the checkout experience for your customers as per your requirements. Auto-debits will be enabled only after successful authorization. It saves customers the time and effort to make periodic payments. The payment gets debited automatically based on the plan created.

Payment Methods

Customers can select one of the following payment methods for subscriptions:

  • Bank Account (e-Mandate)

  • Debit/Credit Card

Bank Account (e-Mandate)

Customers can authorize the subscriptions using their bank account via net banking or debit card. They must enter their bank account details and authorize the subscription. The payment gets debited automatically based on the plan selected.

To authorize using a bank account,

  1. Customers must select the Bank Account (e-Mandates) payment method in the checkout page.

  2. Select the preferred authorization mode, either Net Banking or Debit Card.

  3. Enter the required details, and approve the subscription.

Banks Supported:

Bank Name

Bank Name

ANDHRA BANK

EQUITAS SMALL FINANCE BANK LTD

BANK OF BARODA

FEDERAL BANK

CENTRAL BANK OF INDIA

HDFC BANK LTD

CITY UNION BANK LTD

IDBI BANK LTD

CANARA BANK

ICICI BANK LTD

Cosmos Bank

IDFC Bank

DEUTSCHE BANK AG

INDUSIND BANK

DHANALAXMI BANK

INDIAN OVERSEAS BANK

EQUITAS SMALL FINANCE BANK LTD

KARNATAKA BANK LTD

BANK OF MAHARASHTRA

KOTAK MAHINDRA BANK LTD

ORIENTAL BANK OF COMMERCE

UNION BANK OF INDIA

PUNJAB NATIONAL BANK

JANA SMALL FINANCE BANK LTD

PAYTM PAYMENTS BANK LTD

THE HONGKONG AND SHANGHAI BANKING CORPORATION LTD

RBL BANK LIMITED

SYNDICATE BANK

STATE BANK OF INDIA

PUNJAB AND SIND BANK

STANDARD CHARTERED BANK

KARUR VYSA BANK

TAMILNAD MERCANTILE BANK LTD

DBS BANK INDIA LTD

UJJIVAN SMALL FINANCE BANK LTD

YES BANK

AXIS BANK

SOUTH INDIAN BANK

Debit/Credit Card

Customers can authorize the subscriptions using their debit/credit card. They must enter their card details like card number, cardholder name, card validity details and authorize the subscription. Payment gets debited automatically based on the plan selected.

Payments through all major credit cards are supported. For debit cards, payments through ICICI Bank, Kotak Mahindra Bank, Citibank, Canara Bank, and Standard Chartered Bank are supported.

Step 3: Manage Subscription

Once the customer has authorized the subscription, you can easily debit their account either periodically or as per the on-demand plan. In case of a periodic plan, Cashfree will auto-debit the customer’s account as per the plan interval. For an On-Demand plan, you have to send an API request to Cashfree every time you want to debit your customers. Your customers are notified when the payment gets debited.

If the payment fails due to insufficient funds, expiration of payment method, and so on, the status of the subscription changes to ON-HOLD. In these scenarios, it is recommended that you contact your customer and then contact Cashfree to activate the subscription.

To cancel a subscription, go to the PG Dashboard > Subscriptions > View Subscriptions > Subscription Details > click Cancel. The customer will no longer be charged.