Automated Subscription Billing Engine
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.
Why Choose PayCred Automated Subscription Billing Engine?
Fully RBI Compliant
Process e-mandate recurring payments safely with built-in pre-debit notifications.
Smart Retry Algorithms
Automatically retry failed subscription renewals at optimal times to reduce churn.
Flexible Billing Models
Support fixed recurring charges, usage-based billing, custom trials, and promotions.
Automated Customer Alerts
Keep subscribers informed with automated pre-debit notifications via SMS and Email.
Product Capabilities & Features
Multi-App Autopay
Support e-mandates on major credit cards and popular UPI apps (Autopay).
Dunning Management
Configure customized billing recovery schedules for cards that are expired or have insufficient funds.
Usage Tracking Meter
Track API consumption or data usage to calculate flexible variable monthly bills.
Subscriber Portal
Give users a portal to upgrade, downgrade, or cancel subscriptions.
Standard Comparison
| 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 |
Target Use Cases & Industries
SaaS Platforms
Collect monthly or annual software subscriptions with automated tier management.
Content & Media Streaming
Manage user access based on subscription billing cycles.
Monthly Memberships
Collect membership fees automatically on the 1st of every month.
Industries Served:
Frequently Asked Questions
Q.What is the limit for recurring payments without OTP?
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.
Q.How does the customer approve a subscription?
The customer authorizes the subscription with a one-time OTP verification during their first payment, setting up the e-mandate.
Q.Can I offer free trials?
Yes. You can configure free trial periods, custom setup fees, and discounts.