Subscription

RECURRING PAYMENTS

A subscription is a recurring billing model where customers pay an amount at pre-defined intervals (monthly, annually, etc.) for access to your product or service. This creates a predictable revenue stream for your business and fosters long-term customer relationships. These are automated payments on schedule that are pre-defined by you.

Easily enable recurring payments on your platform. With Subscriptions, you can automate collections across fixed or flexible billing cycles — no reminders, no manual follow-ups.

Why Subscription?

Automated Collections

Ensure timely payments without manual effort.

Flexible Models

Support multiple pricing structures to fit your business.

Customer Trust

Secure, compliant, and consent-driven debits.

Business Growth

Predictable cash flow and higher retention.

Subscription Models

Fixed Frequency

Collect a set amount at a pre-decided interval (daily, weekly, monthly, yearly). Works best when both cost and cycle are predictable.

Use cases:

Investment Platforms

Example:

Investment platforms use this model to auto-debit funds at fixed intervals (e.g., monthly) for SIPs, helping users build wealth systematically without manual transfers.

Variable Frequency

Charge a fixed amount but let customers choose when or how often they want to pay. Offers flexibility while keeping pricing consistent.

Use cases:

Utility bills, Freelancer project billing.

Example:

An IT services company provides clients with ongoing technical support and maintenance. To enhance payment flexibility and strengthen client relationships, variable frequency billing can be applied based on the specific services delivered.

How it Works?

Create Subscription

Leverage our Create Subscription API to start the subscription by specifying the payment frequency, amount, and start date.

Customer Authorization

Obtain one-time customer consent through UPI AutoPay authorization.

Notifications

Ensure customers receive timely reminders (before 24 hours ) and confirmations for each debit transaction.

Auto-Debit

Payments are automatically collected on the scheduled due dates.

Manage Subscription

You can manage customer subscriptions through the dashboard or by using APIs.

Subscription Checkout Interface

Experience how customers interact with Pine Labs subscription checkout. The interface allows customers to view the mandate details, including its duration, any one-time fee, the maximum amount, and the recurring amount.

Mobile Checkout Interface

Mobile-optimized subscription checkout that displays plan details and available payment options, designed for a smooth experience on smaller screens.

Web Checkout Interface

Web-optimized subscription checkout for larger screens that presents plan information along with multiple payment methods, ensuring a seamless browsing and payment experience.

Merchant Dashboard

Comprehensive dashboard for merchants to monitor subscription performance, track payments, and manage customer accounts with real-time analytics and reporting.

Real-time Monitoring

Track subscription status, payment success rates, and customer activity

Revenue Analytics

Number of mandates created, successful debits, and status changes.

Customer Management

Manage subscriptions, process refunds.

Key Features

Automatic & Merchant Controlled Debits

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Automatic mandate debits by PL system for fixed frequency + fixed amount mandates
Automatic pre-debit notification at least 24 hours before any debit.
APIs to control predebit notification & mandate debit.

Automatic & Merchant Controlled retries

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Three automatic retries in case of debit failure 10 minutes after the failure, followed by a second retry 1 hour later.
Merchant can control retries using APIs.

Non Revocable Mandate Setup

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Create non-revocable UPI Autopay mandates.
No mandate modification by customers post mandate setup.

Subscription Life Cycle management

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Manage subscription entire lifecycle using full API suite.
Merchant or customer initiated Cancellations.
Receive status of customer actions on mandate.

Third Party Verification

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Verify the customer's Virtual Payment Address (VPA).
Provide both the VPA and the customer's account details to confirm VPA provided during mandate creation is linked to the bank account information supplied by the end-user.

Offer Trial Period

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Offer a trial period for your subscriptions. During this trial, no charges will be deducted from the end-user's account.
Simply define the desired trial period duration (in days).
Debits will be triggered automatically at the end of the trial period.

Mandate Type Supported

One Time Mandate

A payment authorization that allows for a single debit transaction to be processed. Once the transaction is completed, the mandate automatically expires and cannot be used for additional debits.

On Demand Mandate

A payment authorization that allows the merchant to initiate debits at any time and at varying amounts, as needed, within the specified validity period.

Recurring Mandate

A payment authorization that allows for multiple debit transactions to be processed automatically at fixed intervals with either fixed or variable amounts.