How to Build a Compliant Subscription Billing System for Indian Businesses
A payment gateway only handles a single transaction, but a full subscription billing system must manage mandates, renewals, invoicing, and failed payment retries on an ongoing basis. In India, recurring charges require registering a bank-approved mandate under RBI's e-mandate framework, making the process more complex than in markets like the US. UPI Autopay allows hands-free debits only up to Rs 15,000 per transaction; amounts above this threshold trigger additional authentication, which limits its use for higher-value annual plans. Businesses must also generate GST-compliant invoices with correct place of supply, HSN/SAC codes, and IRN for every renewal cycle. Failing to handle any of these layers correctly can result in failed debits or invoices that do not reconcile with actual payments received.
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