Collect Recurring Payments Effortlessly

Paytm's Subscription helps you customise your payment plans & automate collections from your customers.

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Solution for all types of Businesses

Insurance Premiums

Grocery Purchase

Financial Services

Content Subscription

Bill Payments

Mutual Fund SIPs

Loan Collections

Annual/Monthly Memberships

Supports all Business Models

Free Trials + Automatic Payments

Offer Trial Period to customers & charge them automatically on a future date

One Time Charge + Automatic Payments

Collect upfront fee and automate recurring payments in a single step

Flat/Variable charges

Charge customers a fixed value or depending on their usage

Accept all Type of Payments

Your customers can setup recurring payments using the following payment instruments

Bank Accounts

All Banks supported via NPCI’s eNACH.

Debit Cards

ICICI, Kotak, Citibank Canara Bank & Standard Chartered Debit Cards supported.

Credit Cards

All VISA, Mastercard, Amex & All Indian Cards

Paytm Wallet

All Paytm Wallet users can setup Subscriptions

Paytm Postpaid (Coming soon)

UPI

All UPI Collect, Intent and Push flows

Subscription Links

Accept recurring online payments without a website or app

Create a Plan via Dashboard

Share Subscription Link via SMS, Email etc.

Accept Payment via multiple modes

Ensure Highest Conversion using Frictionless Payment

Smart Retry

In case of failures, retry yourself or let Paytm manage the retries

Intelligent Routing

Your transaction is always routed to the best performing gateway

Maximum Payment Options

Largest suite of payment options for your customers. Leverage the largest repository of saved instruments

Super Easy for your Customers

1. Customer selects a subscription plan on your app/website with amount & schedule

2. Customer authorizes subscription on the bank page to link the payment method to the subscription

3. Paytm deducts renewal payments there after from customers as per subscription payment schedule

Built for Developers

Multiple checkout options available

Best experience for your app users with All-In-One SDK

Completely customise your customer's experience using the Custom Checkout Solution

Fastest Integration with Paytm Standard Checkout

Seamless Checkout experience via QR code for TV Apps

Get your API keys

Frequently Asked Questions

What are subscription payments?

Subscription payments are meant for services/products that are consumed on an ongoing basis and for which payments are to be made (as recurring payments) at fixed intervals without any explicit payment action at the customer’s end.

Merchants with recurring payment business models like OTT platforms, Utility Bill payment providers, Edutech companies, BFSI companies in Lending, Insurance, Investment, Credit Card payments space, and more require their customers to pay them periodically. Paytm Subscriptions helps them provide the most seamless experience to collect recurring payments automatically from their customers.

Will Paytm auto-deduct the recurring payment in every frequency cycle?

No. You will need to trigger the Renew Subscription API with the subscription ID provided at the subscription creation time. After that, the customer gets debited, and we share an acknowledgment with you. This renewal trigger is to be sent by the merchant, and the customer needs no intervention in the renewal process.

Does Paytm send any notifications to the users?

here are multiple points of notifying a user in the Subscription payment journey:-

i. Subscription Registration: Paytm does not send any notification to the user.

ii. Pre-notification before collecting the repeating payment: RBI mandates pre-notification for UPI and Wallet pay modes to be sent by the issuing bank at least 24 hours before the recurring payment deduction. You get the option of a pre-transaction notification, which can be enabled, post which Paytm will request the issuing bank to send a message to the user before the actual debit. Paytm will send these notifications to the user via email/SMS. For variable amount subscriptions, we suggest using the pre-notify API to specify the actual amount of debt. For cards and mandates, you can ignore this step. However, we recommend you to send notifications at least a day before the debit.

iii. Recurring Payment Collection: By default, we do not send these notifications, and we recommend you to send them; however, you can request Paytm to trigger these notifications on your behalf. Please reach out to our 24/7 merchant helpdesk; we will enable the same for your account.

What would be the outcome of not charging a customer for a specific cycle for an existing running subscription?

Paytm's subscription payment gateway offers the flexibility of skipping renewal cycles, in which the validity of the subscription remains intact, and you can continue to charge the customer in their later cycles.

How many active subscription payment contracts can a customer have with one MID at a time?

The count of active subscription payment contracts per customer is a configurable limit. The maximum limit is five subscription payment contracts per customer per merchant.

Is there a maximum or minimum limitation on the grace period days?

There is no limit on the grace period. If you set the grace period as three days, the retries are done thrice in three days if the first collection request's retry is not successful. We recommend keeping this for three days with one retry each day.

How many times should we retry if the first collection request is not successful? Which error codes should we retry?

This number depends on the grace period set for your retries. If you set the grace period as three days, the retries are done thrice in three days if the first collection request's retry is not successful. We recommend keeping this for three days with one retry each day.

What is the difference between Fetch Subscription Status API and Fetch Transaction Status API?

Fetch Subscription Status API provides the status and details of the subscription payment being asked. E.g., Active, Init, Expired.

Fetch transaction Status API returns the requested OrderID such as Pending, Failed, or Success.

For which subscription payment states will we receive an S2S callback?

S2S callback is sent for - ACTIVE, EXPIRED, AUTHORIZED, AUTHORIZATION_FAILED, and REJECT(if the user has canceled the subscription) states.

Can I modify an existing subscription?

You have the option to cancel the existing subscription and create a new subscription with the required features at ease. Customers have the flexibility to cancel their subscription payments from the merchant app or the Paytm app if the customer is logged into the Paytm app during the time of subscription creation.

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What are Subscription Payments?

Subscription payments are applicable for products or services that are consumed on an ongoing basis and follow a recurring payment model. In other words, payments done at fixed intervals without any specific payment action from the consumer follow a subscription model).

Numerous merchants from diverse industries use the subscription payments model to collect payments periodically from customers. It is a widely used model by OTT platforms, Insurance, Utility Bill payment providers, Credit Card, among many others. Paytm’s subscription payment collection provides merchants with a seamless experience to collect subscription payments from their consumers.

With Paytm subscription, merchants with even the most complex business needs benefit from getting access to a platform that allows collecting payments via a range of payment options along with great flexibility. Subscription supports all of Paytm’s checkout flows, including Standard Checkout, Custom Checkout, All-in-one SDK, and QR code, and makes it easy for merchants to collect recurring payments the way they want.

How Paytm Subscription Works?

The subscription product has the following simple steps involved:

1. Create Subscription: Merchants offer their customers the price for recurring payments made at regular intervals for regular access to a product or service. The amount gets deducted from the selected payment mode at the chosen intervals. The subscription plan should include and display the amount, frequency, and start & end date to the customer on the website or app.

2. Activate Subscription Payments: Once the subscription for recurring payments is created, the customer chooses a payment option. Paytm then takes a one-time consent from the customers requesting them to make the first payment and all future recurring payments as per the subscription plan using the chosen payment mode. The various checkout solutions available are:

1. Paytm Standard Checkout: This option allows activation of subscription using the payment pages hosted by Paytm that support pay modes such as Wallet, Credit/Debit Card, UPI, Paytm Bank, Net Banking, and saved instruments on Paytm.

2. Custom Checkout: This option allows merchants to design or customize the payment checkout page concerning their design and brand theme to enhance the user’s subscription billing and activation experience. It also accepts recurring payments via Paytm wallet, Debit/Credit cards, UPI, e-mandates in the app or website.

3. Paytm QR: This solution allows quick and contactless subscription payments with Paytm for TV apps. The customer can directly pay by scanning the QR on the Paytm app and proceed with the activation without needing customers to log into the service provider’s app.

4. All-in-one SDK: This option is a swift and secure way to activate subscription by invoking the Paytm app (if installed) or via the web within All-in-one SDK to complete the payment. Payment can be made via Paytm wallet, Debit/Credit cards, UPI, e-mandates in the app, or website.

3. Collect Recurring Payments: Merchants can send customers a request for payment collection on or before the due date. The payment is processed by Paytm, depending on the subscription plan, for a valid subscription payment request, and a confirmation is sent to the merchant once the linked payment instrument is charged.

Features of Subscription

1. Flexible & Supports Various Business Models: Subscription is suitable for almost all business models, such as:

1. Free Trial Model with Automatic Subscription Payments

2. One Time Charge with Automatic Recurring Payments

3. Flat or Variable Charges to Collect Payments for a Recurring Subscription

2. Accepts all Modes for Recurring Payments: Customers can set up payments with numerous payment instruments such as bank accounts, debit cards, credit cards, Paytm wallet, and UPI to pay for the recurring bill.

3. Industry High Success Rates: Features like Smart Retry, Intelligent Routing between the various gateways, Pre-Debit Notification, card expiry notifications, intelligent error code handling, and more help merchants achieve the best of conversion rates.

4. Easy-To-Use For Customers Who Prefer Automatic Recurring Payments: With Paytm Subscription, customers just needs to choose the subscription plan on the website or app with the schedule and amount, authorize the subscription on the bank page to link the payment mode to the subscription, and finally Paytm collects payments depending on the subscription payment schedule chosen by the customers.

5. Saved Payment Instruments: Merchants get to leverage the largest repository of Paytm’s saved instruments, including 220+ million saved cards, 400+ million wallets, and 100+ million saved bank accounts.

6. Multiple Checkout Options for Activation of Subscription: There are various checkout options Merchants can choose from for implementing automatic recurring payments for their businesses:

1. All-in-one SDK

2. Custom Checkout Solution

3. Paytm Standard Checkout

4. Paytm TV QR Code