Skip to main content
Cards are linked to a debit or credit account at a financial institution. To complete a payment online, customers enter their card details—including card number, expiration date, and security code—at checkout.

​
Payment Method Details

​
Indian-issued cards Advanced

Indian regulation requires an extra authentication step on every card payment where the customer is present, and a registered RBI e-mandate before a card can be charged on a recurring basis. Checkout handles both for eligible cards, so your integration code stays the same.

​
First payment

The Web SDK shows the bank’s authentication step on the checkout page. The payment stays PENDING until the customer completes it.
  • If authentication fails or the customer abandons it, the payment ends INCOMPLETE. See Incomplete Payments for the decline codes.
  • If the card issuer declines the payment, it ends DECLINED.

​
Subscriptions and e-mandates

The first payment of a subscription registers an RBI e-mandate with the customer’s bank. To register it, set 3D Secure to Processor 3DS (processor3ds) on the Authorize Payment node of your workflow. The e-mandate covers:
  • Maximum amount: the plan’s recurring price plus a 5% buffer
  • Frequency: the plan’s billing period
  • Start date: the end of the trial, if the plan has one
Billing periods longer than one year aren’t supported for Indian-issued cards. A plan change while the customer is present registers a new e-mandate.

​
Renewals

Renewals charge the card without the customer present. The bank notifies the customer before each debit, so a renewal stays SETTLING for up to about 26 hours before it moves to SETTLED. The subscription period advances when the renewal settles. See Lifecycle for status definitions.

​
If no e-mandate is registered

A card without an e-mandate can’t be renewed, so PayNext cancels the payment before any money moves:
  • The customer isn’t charged and sees an error at checkout.
  • No subscription is created. A plan change leaves the subscription on its current plan.
  • The payment ends CANCELLED with this status reason:

​
One-time payments

One-time payments with Indian-issued cards also require authentication. No e-mandate is registered, so a card saved from a one-time payment can’t be charged later without the customer present.