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Automatic payments with a saved card or UPI AutoPay

Repeat orders and membership renewals are charged by themselves to a saved card or UPI AutoPay, through your own Razorpay or Stripe account. The buyer is told the amount and the date before each charge, and failed charges are tried again.

PLANSScale only

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Why it matters

A subscription only pays if the money arrives without anyone chasing it. Asking buyers to pay a link every month loses some of them every month. In India, card and UPI mandates must also follow the RBI rules on limits and notice. SmartMy Website saves the buyer's card or UPI AutoPay mandate in your own Razorpay or Stripe account. It then charges each repeat order on its day. Before each charge the buyer gets the amount, the date and the method, 24 hours ahead by default. A failed charge is tried again after 1 and 3 days, and the money always goes straight to your account.

The problem it solves

Every month you send payment links for repeat orders, and a share of buyers never pay them.
Members forget to renew, and their access lapses in the middle of a course or a season.
Card and UPI mandates in India need limits and a notice before each charge, and you are unsure how to stay within them.
A failed payment is found only when the customer complains that nothing arrived.

How it works

Switch it on for your Razorpay or Stripe account in the Shop tab > Payments: Automatic payments for subscriptions and memberships. Razorpay must turn Recurring Payments on for your account first.
At checkout, a buyer of a subscription, or of a monthly or yearly membership, ticks Pay automatically each time. They choose a card or UPI AutoPay.
Their first payment also authorises the mandate. SmartMy keeps only the gateway's customer and token ids, the card brand and last four digits, or the UPI handle.
Before each repeat order or renewal, the order is made and the buyer gets the notice: the amount, the date and time, and the method.
After the notice hours the order is charged off-session. Paid, it goes on like any paid order, and the membership runs on.
If the charge fails, the buyer gets an email with a Pay now link and it is tried again after the retry days. After the last try the subscription pauses, or the membership ends on its date.
The buyer turns automatic payment off, changes the method or skips the next charge from their subscription page or account page.

Everything it does

Ways to pay automatically

Razorpay: a saved card, and UPI AutoPay for orders in Indian rupees
Stripe: a saved card, in any currency your Stripe account takes
Other gateways, UPI to your account and cash on delivery cannot charge automatically
Used for subscribe-and-save orders and for monthly or yearly paid memberships

Limits and notice

Largest automatic charge: 15,000 to start with; an order above it is not charged and the buyer pays by link
With Razorpay, cards are capped at Rs 15,000 and UPI AutoPay at Rs 99,999
Notice before each charge: 24 hours to start with; 0 charges at once
The notice gives the amount, the date and time, the method and links to the order and to manage it

Failed charges

Try again after (days): 1, 3 to start with
A short outage at the gateway is tried again within the hour, for up to 3 days
A charge with no answer from the gateway is checked every hour and given up after 4 days
After the last try: the subscription pauses, or the membership ends on its date unless paid by link

Mandates

Status: Waiting for the buyer, Active, Paused at the bank, Not set up, Turned off
A mandate never authorised becomes Not set up after 7 days
Changes at the bank (confirmed, rejected, paused, cancelled) arrive by webhook, or are asked for every hour
Website > Shop > Orders > Saved Payment Methods lists them; Turn Off stops one
Card numbers are never kept in SmartMy

The buyer's controls

Subscription page: turn automatic payment off, set it up with a card or UPI AutoPay, skip the next charge
Account page for members: Renews automatically with ..., Turn off automatic renewal, Change to ...

Who uses it

Website ManagerSwitches automatic payment on, sets the limit, notice hours and retry days, and adds the webhook.

AccountantSees each charge on its sales order and the saved methods in the back office.

BuyerAuthorises the card or UPI mandate once, gets a notice before each charge and can turn it off.

Where you use it

Web: the editor's Shop tab > Payments; Website > Shop > Orders > Saved Payment Methods and Subscriptions
On your website: the checkout, the subscription page and the account page
The gateway's own pages for the card or UPI authorisation
Not built: automatic payment through PayPal, Cashfree or PayU

What you control

Settings

Automatic Payments: off until you switch it on, per Razorpay or Stripe account
Offer UPI AutoPay: on (Razorpay, rupees)
Largest automatic charge: 15,000
Tell the buyer this many hours before each charge: 24
After a failed charge, try again after (days): 1, 3
Webhook secret per payment account

Notifications

Website Automatic Payment Notice: to the buyer, by email, before each charge
Website Automatic Payment Failed: to the buyer, by email, with the Pay now page
Website Automatic Payment Gave Up: to the buyer, by email, after the last try
Website Automatic Payment Set Up and Turned Off: to the buyer, by email
All five are sent at once, whatever the hour

Questions

Does the money pass through SmartMy?

No. Charges run on your own Razorpay or Stripe account and the money goes straight to you. SmartMy takes no fee on sales.

Do you store card numbers?

No. SmartMy keeps only the gateway's customer and token ids, the card brand and last four digits, or the UPI handle.

What if an order is more than the mandate limit?

It is not charged automatically. The buyer is told and pays that order with the link. In India keep the limit at 15,000 for cards.

Can buyers stop it themselves?

Yes. Subscribers turn it off or skip the next charge on their subscription page. Members turn off automatic renewal on their account page.

Which plan has it?

Automatic payments come with Scale, together with subscribe and save. Paid memberships themselves start in Growth.

Has it run with real payments?

It is built against the gateways' documented APIs. We set it up and test it with you on your own account before you go live.

Related features

BRANDS AND LARGER SHOPSSubscribe and save: repeat ordersBuyers subscribe to products for a discount, and the order repeats every week, two weeks, month or two months. They get a reminder before each one and skip, change how often, pause or stop from their own page.SELLING AND MEMBERSFree and paid membershipsOffer memberships on your website, free or paid, monthly, yearly or once. Paid ones are bought through your shop checkout with your own payment account, and the membership starts the moment the order is paid.SELLING AND MEMBERSPayments through your own gateway, with no fee on salesTake payment through your own Razorpay, Stripe, PayPal, Cashfree or PayU account, by UPI to your own UPI ID, or cash on delivery. The money goes straight to you and SmartMy takes no fee on sales. An order is confirmed only when the full amount is paid.SELLING AND MEMBERSVisitor accounts: orders, addresses and wishlistBuyers sign in on your website with a code sent to their email. One account page holds their orders, delivery addresses, wishlist and subscriptions, on any device. Guests can still buy without an account.ACROSS SMARTMY WEBSITENotificationsSmartMy Website tells your team the moment a form entry, booking, order, return, review or question comes in. Buyers and visitors get their codes, bookings, orders and alerts by email.

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