How India's Subscription Billing Works: Mandates, GST, Dunning and Build vs Buy
Building a subscription billing system in India requires far more than a standard payment gateway, which only handles one-time transactions. Businesses must register RBI-compliant mandates — including UPI Autopay and e-mandates — before any recurring debit can be processed. UPI Autopay allows hands-free auto-debits only up to Rs 15,000 per transaction; amounts above this threshold trigger additional authentication, complicating billing architecture. Every renewal must also be accompanied by a GST-compliant tax invoice with correct place of supply, HSN/SAC codes, and an Invoice Reference Number. Failing to handle any of these layers correctly results in failed debits, mismatched accounts, or non-compliant invoices — making purpose-built billing logic essential for Indian subscription businesses.
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