PayCred
🇮🇳Proudly Made in India
Fast • Secure • 100% RBI Compliant
Fast • Secure • 100% RBI Compliant
Build subscription flows for SaaS, utilities, and memberships. PayCred Subscription Billing automates recurring payment collection. Fully compliant with RBI e-mandate guidelines, our platform manages recurring billing cycles, pre-debit customer notifications, payment retries, and billing logic, ensuring consistent recurring revenue.
Process e-mandate recurring payments safely with built-in pre-debit notifications.
Automatically retry failed subscription renewals at optimal times to reduce churn.
Support fixed recurring charges, usage-based billing, custom trials, and promotions.
Keep subscribers informed with automated pre-debit notifications via SMS and Email.
Support e-mandates on major credit cards and popular UPI apps (Autopay).
Configure customized billing recovery schedules for cards that are expired or have insufficient funds.
Track API consumption or data usage to calculate flexible variable monthly bills.
Give users a portal to upgrade, downgrade, or cancel subscriptions.
| Billing Feature | PayCred Subscription Engine | Traditional Invoicing |
|---|---|---|
| Payment Initiation | Automatic Debit | Manual Customer Payment |
| Churn Protection | Integrated Dunning & Retries | Manual Follow-ups |
| Billing Models Supported | Flat, Tiered, Usage-Based | Flat Fee Only |
| RBI Compliance | Fully Automated E-Mandates | None |
Collect monthly or annual software subscriptions with automated tier management.
Manage user access based on subscription billing cycles.
Collect membership fees automatically on the 1st of every month.
Under RBI guidelines, recurring payments up to ₹15,000 do not require an OTP. Transactions above ₹15,000 require an OTP verification at each debit.
The customer authorizes the subscription with a one-time OTP verification during their first payment, setting up the e-mandate.
Yes. You can configure free trial periods, custom setup fees, and discounts.