Paytm Subscription

Subscription Payments are meant to charge a consumer on a prearranged, recurring schedule automatically after obtaining one-time consent from the consumer for the services/products they consume on an ongoing basis without any explicit payment action at their end. Paytm Subscriptions offers you a plethora of payment options and enough flexibility to support your complex business needs that saves time and gets you paid faster.

Note: Paytm Subscription is available only to the enterprise customers. Get in touch to request access to Paytm Subscription.

Paymodes supported for subscription payments

Currently, Paytm supports the following paymodes to collect the recurring payments:

PAYMENT INSTRUMENT	LIST OF SUPPORTED BANKS	MAX LIMIT (EACH PAYMENT)	LEVERAGE PAYTM's SAVED INSTRUMENTS*
Credit Card	All VISA, Mastercard & Amex cards	No Limit	220+ Million Saved Cards
Debit Card	ICICI, Kotak, Citibank, Canara Bank	No Limit	220+ Million Saved Cards
Paytm Balance	All Paytm Wallets	₹ 2,000	400+ Million Wallets
UPI	List awaited from NPCI	₹ 2,000	100+ Milion Saved Bank Accounts
E-Mandate	Check List of Banks here	₹ 1,00,000	100+ Milion Saved Bank Accounts

*Numbers updated as per 1st May 2020

If you want to integrate for Paper Mandates, where the limit is upto 1 crore per transaction, Get in touch to get the necessary integration specifications.

Overview of Paytm Subscription

Subscription Payments includes three basic steps:

Create Subscription
Activate Subscription
Collect Payment

Create Subscription

You offer a customer to pay a recurring price at regular intervals (weekly, monthly, or yearly) for regular access to a product/service under one or more subscription plans. The transaction amount gets deducted from the paymode selected by a customer at periodic intervals, towards the regular purchases. This plan should include and must display the following details to the customer on your app or website:

Amount/Max Amount
Frequency
Start & End Date

Once the customer chooses a plan, create the subscription and get the unique Subscription ID.

Activate Subscription

Once the subscription is created, customer chooses a payment instrument and paytm provides a one-time consent to:

To make the first payment*
To make all future payments automatically from the selected paymode as per the subscription plan specified while creating the subscription.

*Note: The first payment deduction is not required if you want to start payment deduction from a later date. For Wallet, UPI, & Debit/Credit cards, INR 1 token amount would be deducted to complete the authorization process.

When a subscription is authorized and the first payment is deducted (if required), the subscription moves into the ACTIVE state. This subscription is now ready for you to be able to collect payments against it.

Collect Payment

You can send a request to a customer on/before the due date. As long as the payment request is valid as per the chosen subscription plan, Paytm will process the payment and provide a confirmation to you once the linked payment instrument has been charged.

Understanding the different Subscription States

State	Description
INIT	When you create a subscription, it instantly moves to the INIT state which indicates the subscription has been created but pending for authentication.
ACTIVE	It indicates the subscription is active and ready to accept payments.
CLOSED	It indicates the subscription is closed due to incomplete authorization. If the user is still interested, you need to create a new subscription ID.
EXPIRED	It indicates the subscription has passed its expiry date and cannot accept any fresh payment requests.
CANCELED	It indicates the subscription has been canceled and cannot accept any fresh payment requests.
AUTHORISED	It indicates the customer has completed the authorization. However, an additional action may be required to make the subscription Active. In the case of wallet, the customer completes the authorization post OTP verification, however, the first payment/token amount has not been deducted. In the case of Bank Mandates, the customer completes the authorization post successful authentication, however, Paytm has not received a confirmation from its sponsor bank for activation. In the case of Cards and UPI, the Subscription moves straight from authorized to ACTIVE state.
CONFIRMED	This is specific to the Bank Mandates when an upfront payment is deducted at the time of subscription creation. It indicates that there is an upfront amount that must be deducted even though the mandate is successfully authorised and confirmation has been received from the sponsor bank. The status stays as confirmed till the payment is deducted successfully and Paytm is notified by the bank of the same post where the subscription is made ‘ACTIVE’.

Merchant Integration Steps

Create Subscription
You display different subscription plans with their respective payment schedule & amount to the customer. Once the customer selects and confirms a suitable plan, send a server-to-server request to Initiate Subscription and get a Subscription ID and Transaction Token in response.
- Subscription ID This is a unique Paytm ID linked to the subscription contract. It should be stored in your system as it may be required to renew and cancel the subscription.
- Transaction Token This token enables you to call all the subsequent APIs in the creation of a subscription from your frontend with a validity of 15 minutes from the time it is created.
Activate Subscription
Paytm offers multiple checkout solutions to support subscription activation. Depending on the experience that you wish to provide to your customers, you can choose the checkout solutions to support subscription activation.

We will help you choose the right solution to boost your business based on your requirement.
Question: Select the platform which is mostly used by your customers?
Question: How do you want your Payment/Checkout page?
Recommended Solution: All-in-One SDK
We recommend the “All-in-One SDK” solution which provides a swift, secure and seamless subscription activation experience to your users by invoking the Paytm App (if installed on your user’s smartphone) or via web view within All in one SDK (if Paytm app is not installed) to complete payment for your order.
This solution has the following advantages
Paytm All-in-One SDK enables payment acceptance via Paytm balance, Debit card ,Credit card, bank mandates, BHIM UPI leveraging the Paym’s saved instruments repository.
It is a light weight SDK with quick integration steps.
It supports assist Auto Capture OTP with no separate integration in mobile apps.
For more details, please visit https://developer.paytm.com/docs/subscription/all-in-one-sdk/
Recommended Solution: Custom Checkout
We recommend the “Custom Checkout” solution which gives you the liberty to design or customize your payment checkout page in compliance with your design standards and brand’s thematic guidelines to enhance the user's subscription activation experience.
This solution has the following advantages:
It enables payment acceptance via Paytm balance, Debit card, Credit card, bank mandates, BHIM UPI in your mobile app or website.
It is coupled with over 200 million+ saved cards, 100 million bank accounts in Paytm and hence ensures a fast and frictionless payment experience for your customers.
For more details, please visit https://developer.paytm.com/docs/subscription/custom-checkout/
Question: How do you want your Payment/Checkout page?
Recommended Solution: Paytm Standard Checkout
We recommend the “Paytm Standard Checkout” solution that allows you to activate subscription using Paytm hosted payment pages that supports all paymodes including Paytm Balance, CC, DC, UPI, bank mandates and saved Paytm payment instruments.
This solution has the following advantages:
Enable web/mweb based merchants for quick payment gateway integration
Flexibility of theme customization as per merchant’s branding
Allows Paytm App Invoke (from m-web) for customers to save on Paytm login time
For more details, please visit https://developer.paytm.com/docs/subscription/standard-checkout/
Recommended Solution: Custom Checkout
We recommend the “Custom Checkout” solution which gives you the liberty to design or customize your payment checkout page in compliance with your design standards and brand’s thematic guidelines to enhance the user's subscription activation experience.
This solution has the following advantages:
It enables payment acceptance via Paytm balance, Debit card, Credit card, bank mandates, BHIM UPI in your mobile app or website.
It is coupled with over 200 million+ saved cards, 100 million bank accounts in Paytm and hence ensures a fast and frictionless payment experience for your customers.
For more details, please visit https://developer.paytm.com/docs/subscription/custom-checkout/
Recommended Solution: Paytm QR
We recommend the “Paytm QR” solution which is intended to make payments contactless, quick, and error-free with Paytm for your TV apps.
This solution has the following advantage
It enables customers to directly pay for the subscription/ premium offerings by scanning the QR code from their Paytm app, and proceed with the subscription activation, without the need of logging in to the service provider’s app.
For more details, please visit https://developer.paytm.com/docs/subscription/qr-code/
Collect Payment
Subscription Pre Notify (Mandatory for UPI & Wallet paymodes)
For UPI & Wallet paymodes, it is mandatory for the issuers (Banks/Wallet providers) to send a pre-transaction notification to the user. For subscriptions created via Cards or Bank Mandates, you can ignore this step. The notification should include the following details:
1. Name of the merchant
2. Reference Number of Debit/Subscription
3. Transaction Amount
4. Date/Time of debit
5. Reason for debit
Use the Subscription Pre-Notify API* to trigger the notification at least 48 hours prior initiating the debit. Once Paytm gets the confirmation, you can use the Subscription Pre-Notify Callback to get the confirmation of the notification delivery. Alternatively, you can use the Subscription Pre-Notify Check Status to get the confirmation.

*This API must be mandatorily used for Variable Amount Subscriptions in case of subscriptions created via UPI & Wallet paymodes. For Fixed Amount Subscriptions as well, use this API. Else, reach out to us to enable these notifications to be triggered by Paytm on your behalf.
In conformity with the business contract, you can use the Renewal API to initiate the payment deduction. At this step, the request is validated against the original subscription plan and the acknowledgment is shared with you. Once the transaction is processed by Paytm, then a Payment S2S callback is provided on your configured callback URL by Paytm. Additionally, you can do a status query from time to time using the Transaction Status API.
Cancel Subscription
A merchant/customer can cancel/revoke an existing subscription anytime using the Cancel Subscription API and cannot be reused.

Customers can also cancel the subscription any time directly with the bank or on the Paytm App (in case, the user was logged-in to Paytm at the time of Subscription creation). In such scenarios, Paytm will provide an S2S Callback to you to confirm the cancellation.

Note: In case of issues related to subscription product or integration steps, browse through these FAQs to find answers to commonly raised questions.

On completion of your integration

Post completion of integration on your staging environment, do a complete transaction from order summary page on your website or mobile app

Attempt a test transaction using test paymodes credentials
Ensure you re-verify transaction response with Subscription Status API via server to server call in Subscription flow and not separately as a one time activity
See the transaction details in “Test Data” mode on your dashboard

Once the test transaction is complete, move your code to live environment with production account details. Note that production accounts details are available after you have activated your account on the dashboard

Lastly, it's recommended that you read about Managing Refunds and late payment notifications

In case of any issues with integration, please get in touch

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Paytm Subscription

Paymodes supported for subscription payments