Accept Subscription 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

Accept Recurring Payments through UPI AutoPay

To create and manage mandates, either integrate via APIs or use our self serve dashboard

Instant activation of mandates

No need for your customers to remember or enter UPI IDs

Ability to modify, pause or revoke mandates anytime

UPI AutoPay on Paytm is compatible with major UPI apps like

Get UPI AutoPay Today

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

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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.

ii. 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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