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testing for llm.txt
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43 changes: 43 additions & 0 deletions llm-content/announcements/gst-changes.md
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---
title: GST Changes for E-invoicing w.e.f. 01 January 2021
description: Check the changes in the GST guidelines regarding e-invoicing, effective from 01 January 2021. Check the actions required to help us comply with the regulations.
---

# GST Changes for E-invoicing w.e.f. 01 January 2021

As per the GST guidelines, effective from 01 January 2021, all B2B invoices raised in the month of January will need to be registered on the Invoice Registration Portal (IRP). Therefore, the invoices for the billing period of 1-30 December will be raised by Razorpay on 31 December. The next billing cycle will include charges borne on 31 December 2020.

Billing Cycle | Invoice for the month of
---
01 - 30 December 2020 | December 2021
---
31 Dec - 31 January 2020 | January 2021

## FAQs

#### 1. What is e-invoicing under GST?
E-invoicing is a system in which B2B invoices are electronically authenticated via the common GST portal. Once an invoice is electronically authenticated on the IRP, it is issued a unique identification number called the IRN. This eliminates the need for manual data entry while filing GST-1 return, as the information will be passed directly from the IRP to the GST Portal.

Razorpay B2B invoices raised in January 2021 will include an IRN and a QR code, as can be seen below:

![Razorpay e-Invoice Example](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/assets/images/gst-changes-razorpay-invoice.jpg.md)

#### 2. Who is `e-invoicing` applicable to?
If you have updated your GSTIN on your Razorpay Account, B2B invoices raised in January 2021 for the billing period of 31 December 2020 to 31 January 2021 will be registered on the GST Invoice Registration Portal.

If you have not updated the GSTIN, you will receive a B2C invoice. This invoice does not need to be registered on the IRP as of now.

#### 3. What are the changes applicable from 01 January 2021?
Any invoice raised in the month of January 2021 will need to be registered on the GST IRP. The IRP will issue the invoice a QR code and an IRN.

#### 4. Why is this change occurring?
All the invoices raised in January 2021 will be registered on the IRP. Hence, it is necessary to raise an invoice for the December billing cycle in December to allow you and Razorpay to be GST compliant.

Ensure that your GSTIN, address and PIN code available on the Dashboard is up to date. You can update these by raising a request with our [Support team](https://razorpay.com/support/#request).

If your GSTIN, address and PIN code are not up to date, we may not be able to register your invoice on the GST portal, leading to non-compliance. This may affect any GST input credit you may be availing.

#### 5. Why has 31 December 2020 not been added to the billing cycle of December?
Due to the guidelines, any invoice raised in January 2021 must be registered on the GST IRP. Therefore, to minimise impact, the invoice for the billing period of 1-30 December 2020 will be raised by Razorpay on 31 December.

Charges for Razorpay’s services for 31 December will be billed in the cycle of 31 December to 31 January in order to be GST compliant.
83 changes: 83 additions & 0 deletions llm-content/announcements/rbi-card-mandate-guidelines/recurring-payments.md
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---
title: RBI Directive on Recurring Card Payments
description: Check the changes in the RBI Guidelines released on 31st March 2021, regarding recurring card payments.
---

# RBI Directive on Recurring Card Payments

Further to the [circular (issued on 21 Aug 2019)](https://rbidocs.rbi.org.in/rdocs/notification/PDFs/47EMANDATE39D1306C26AE4B44B2EA0050F23E7E3D.PDF) and the [press release (issued on 31 March 2021)](https://rbidocs.rbi.org.in/rdocs/PressRelease/PDFs/PR1326B5CD909C140349E9A7295435E69893D0.PDF), RBI released a new circular on 31 March 2021, regarding registration of new card mandates. You can find the new RBI circular [here](https://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOT11820DB6EC9DF8A4611926B0A897918D64F.PDF).

## Guidelines for Issuing Banks (To be complied by 30 Sep 2021)

RBI has issued the following guidelines for issuing banks to authorise mandates and collect recurring payments on credit cards, debit cards and prepaid instruments. RBI has announced this step to make card transactions safer and secured.

- All mandate registrations must go through Additional Factor of Authentication (AFA). AFA is a process wherein a customer receives an OTP or card PIN during modification or revocation of the mandate and the first transaction.
- AFA is mandatory for registering mandates on cards. The maximum limit for registering mandates is ₹15,000. You can refer to the [RBI circular](https://rbidocs.rbi.org.in/rdocs/notification/PDFs/DPSSSIDEC420205A3895EA5B6044F2B4AB7A133FE35AD7.PDF).
- At the time of registration, banks should provide customers with the option to choose the communication medium (SMS or email) to which the pre-debit notifications will be sent.
- Banks should send customers a pre-debit notification at least 24 hours before the actual debit. The notification must contain all the information regarding the upcoming debit. Customers should be provided with an option to opt-out of the particular debit or the mandate.
- Banks should also send a post-debit notification to the customers. This notification should contain all the information regarding the debit.
- Banks must provide customers with an online facility through which customers can withdraw from any e-mandate at any point in time. The customers will have to perform the AFA at the time of withdrawal.
- For all such withdrawn e-mandates, the acquiring banks should ensure that the respective businesses delete all customer payment information.
- Banks should set up redressal system to address customers grievances. Card networks should also have a dispute resolution mechanism in place.

> **INFO**
>
>
> **Note**
>
> You do not need to make any integration changes at your end. The circular applies to the issuing banks, and the banks need to implement the changes mentioned above.
>

## Impact on Existing and New Mandates

The impact of the new guidelines is given below:

Existing Mandates | New Mandates
---
As per the [press release](https://rbidocs.rbi.org.in/rdocs/PressRelease/PDFs/PR1326B5CD909C140349E9A7295435E69893D0.PDF), there will be no impact on existing card mandates from 1 April 2021. Recurring payments will continue to be processed on such mandates. | As per the [new circular](https://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOT11820DB6EC9DF8A4611926B0A897918D64F.PDF), your customers may not be able to sign up new mandates on cards from 1 April 2021 till issuing banks comply with the guidelines issued in the RBI circular dated 21 August 2019.

## Alternative Solution: UPI Autopay

We will soon be enabling UPI Autopay on your Dashboard. You can create a registration link that allows your customers to choose UPI to make recurring payments.

### Supporting Banks and UPI Apps

- Mandates on UPI Autopay can be set up using ICICI, SBI and HDFC accounts on UPI collect flow.

- Only BHIM and Paytm UPI apps are supported on UPI Autopay.

If you do not want to use UPI Autopay, you can disable it from the Settings tab on the Subscriptions page from the Dashboard.

**Read More**: Learn more about UPI Autopay from our [blog](https://razorpay.com/blog/what-is-upi-autopay-recurring-payments-razorpay-subscriptions/) and [documentation](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/api/payments/recurring-payments/upi/create-authorization-transaction.md).

## MandateHQ: Helping Issuing Banks Comply with the RBI Circular

The RBI has given a 6 months extension (till 30 Sep 2021) to all issuing banks to comply with the guidelines set forth in the circular.

- Razorpay has partnered with Mastercard to launch MandateHQ - a plug-and-play solution that will allow issuing banks to offer standing instructions on credit cards, debit cards and pre-paid instruments in compliance with the RBI circular.

- We are working with most of the issuing banks to on-board them on MandateHQ and ensure a smooth transition by 30 Sep 2021. We will keep you posted when banks start going live.

## FAQs

Given below are some of the frequently asked questions.

#### 1. Will debits on card mandates registered before 1 April work from 1 April 2021?

Yes, card tokens registered before 1 April will work post 1 April 2021.

#### 2. Can we register new card mandates from 1 April 2021?

As per the new circular released by RBI on 31 March 2021, no new mandate for recurring online transactions shall be registered by stakeholders, unless such mandates are compliant with the circular dated 21 August 2019.

#### 3. How many banks are currently compliant with the RBI circular?

We are working with most of the issuing banks to on-board them on MandateHQ and help them comply with the RBI circular before 30 Sep 2021. We will keep you posted when banks start going live.

#### 4. Will this impact mandates via other methods such as E-mandate, Paper NACH and UPI Autopay?

This change does not impact mandates using UPI Autopay, E-Mandate and PaperNACH. You can continue to register new mandates and charge the existing ones via these methods.

#### 5. Will existing mandates registered through international cards be impacted?

No, the RBI circular is applicable only for issuing banks in India. International card mandates will continue to work.
161 changes: 161 additions & 0 deletions llm-content/announcements/rbi-card-mandate-guidelines/recurring-payments/cards.md
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---
title: Cards Go Live on Recurring Payments
description: Check the banks that are going live on cards, existing mandates management and action to be taken by businesses to process recurring payments on card mandates.
---

# Cards Go Live on Recurring Payments

The [RBI issued a new circular](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/announcements/rbi-card-mandate-guidelines/recurring-payments.md) on March 31, 2021 for banks to authorise mandates and collect recurring payments on credit, debit, and prepaid cards. According to the circular, all issuing banks must comply with the new guidelines. As a result, Cards as a payment method has been at a standstill since April 2021.

Certain banks have now complied with the new RBI guidelines and can use Cards as a payment method to process recurring payments. The following FAQs provide more information about such banks and our efforts to help businesses process recurring payments without any issues.

## FAQs

Given below are some of the frequently asked questions.

#### 1. Which banks have enabled Recurring Payments through Cards?

Refer to the [list of banks that support cards](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/payments/recurring-payments/cards/supported-banks.md).

> **WARN**
>
>
> **Watch Out!**
>
> Please contact our support team if you are facing difficulties with card payments from any of the major banks on the above list.
>

> **INFO**
>
>
> **Handy Tips**
>
> We support Visa and Mastercard cards of all major banks.
>

Watch this video to see how a customer registers for Recurring Payments using Cards.

![](/docs/assets/images/end_customer_card_registration.gif)

#### 2. What happens when a customer tries to use the card details of banks that are not live?

If a customer tries to enter card details of banks that are not live, an error message saying `Card does not support recurring payments.` will be displayed, as shown below.

![](/docs/assets/images/cards-mandatehq-error.jpg)

#### 3. Will the existing card tokens continue to work post September 30, 2021?

We will migrate existing credit card tokens of OneCard bank by September 30, 2021. Therefore, you can continue to process recurring payments on such mandates even after September 30, 2021. As and when more banks become available for Recurring Payments using Cards, we will migrate the existing mandates of such banks.

> **WARN**
>
>
> **Watch Out!**
>
> All of the card tokens that will be migrated are credit card tokens as debit cards of these banks were not enabled for recurring before.
>

#### 4. Can we continue to process recurring payments through card tokens of banks that are yet to go live?

> **INFO**
>
>
> All the card tokens of banks that are not live will be in `paused` state from October 1, 2021. You will not be able to debit these mandates. Do reach out to your customers in advance and register new mandates using alternate payment methods such as UPI or Emandate.
>

> Refer to the [Recurring Payments document](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/payments/recurring-payments.md) for more information on payment methods.
>

> Alternatively, you can also use Payment Links from the Dashboard or mobile application and collect payment from customers on the due date.
>

> Refer to the [Payment Link document](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/payments/payment-links.md) for more information.
>

#### 5. How can I get to know the status of tokens?

You can go to the **Reports section** in your Dashboard and download the token report on October 1, 2021 to know the status of all your tokens to take appropriate action.

To download the token report:

1. Log in to the Dashboard and click the **Reports** from the left menu.
2. Select **Token Report** from the **Select Report Type** drop-down list.
3. Select the relevant **Period** from the **Select Period** drop-down list.
4. Select the file format from the **Select Format** drop-down list. You can choose CSV, XLSX or XLS formats.
5. Click **Generate Report** to download or get it emailed to your registered email address by selecting the **Email Report To** check box.

Watch the animation below for steps to check token status.

![](/docs/assets/images/check_token_report.gif)

#### 6. Are there any changes in the APIs for processing card-based mandates?

There are no changes in the existing integration flow. However, we have added a few optional token parameters to the **Create Order API**. If these parameters are not passed in the request, then the default values are assumed.

Refer to the [Recurring Payments API document](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/api/payments/recurring-payments/cards/create-authorization-transaction.md#112-create-an-order) for more information on changes.

#### 7. Are there any changes in turnaround time (TAT) for registering mandates and for processing debits?

Starting October 1, 2021, you will have to raise the debit request 24 hours in advance for processing debits on registered mandates. A pre-debit notification will be sent to the customer’s registered mobile number or email ID. If they do not pause or cancel the mandate, then the recurring debit will be processed, and you will get the notification through a webhook or in the Dashboard. A sample pre-debit notification is given below for your reference:

![](/docs/assets/images/cards-mandatehq-pre-debit.jpg)

#### 8. Is there a maximum monetary limit for processing card-based mandates?

You can register mandates up to a maximum of ₹15,000 without any intervention from customers and process subsequent payments.

To register and process mandates of amounts greater than ₹15,000, an Additional Factor Authentication (AFA) is required from customers for every subsequent debit.

#### 9. What is the new flow to process subsequent debits using cards under the new RBI guidelines?

> **INFO**
>
>
> **Note:**
>
> Businesses to only initiate the debit, and the rest will be taken care of by banks and Razorpay.
>

To process subsequent debits below ₹15,000:
1. Businesses initiate the debit for an amount less than ₹15,000.
2. Bank will send a pre-debit notification SMS to the customer immediately.
3. The amount will be debited 36 hours after the notification.

![](/docs/assets/images/cards-mandatehq-pre-debit.jpg)

To process subsequent debits above ₹15,000:
1. Businesses initiate the debit for an amount greater than ₹15,000.
2. Bank will send a notification with a link for Additional Factor Authentication (AFA) to the customer immediately. The AFA link will be active for 72 hours.
3. The amount will be debited as soon as the customer provides AFA.

The short animation below shows the customer side flow of giving consent through the AFA link.

![](/docs/assets/images/cards-mandatehq.gif)

#### 10. Are there any changes in processing recurring payments on international cards?

No, there are no changes in processing recurring payments on international cards. The RBI guidelines apply only to domestic cards and not international cards.

#### 11. For card tokens, what is the turnaround time (TAT) for mandate registration?

For card tokens, the mandate registration happens in real-time.

#### 12. What is the TAT for processing debits of cards mandates?

For processing debits below ₹15,000, the TAT is 24 hours after raising the debit request, subject to the customer not pausing or cancelling the mandate.

For processing debits above ₹15,000, the amount will be debited as soon as the customer provides consent through AFA, which has a validity of 72 hours.

#### 13. Can cardholders make changes to registered card tokens? How are businesses notified of such changes?

Yes, cardholders can pause, resume and cancel card tokens from the portal provided by the bank to manage them. You will get notifications through multiple webhooks when a cardholder initiates any such changes to the card tokens. You can also see these changes in the Dashboard.

#### 14. Can businesses cancel card tokens?

Yes, businesses can cancel card tokens by deleting them. Tokens can be deleted either from the [dashboard](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/payments/recurring-payments/create.md#delete-the-token) or using [APIs](https://raw.githubusercontent.com/razorpay/razorpay-php-testapp/markdown-docs/llm-content/api/payments/recurring-payments/cards/tokens.md#23-delete-tokens).

#### 15. Is it possible to skip the MandateHQ summary screen that appears before the bank page while making a transaction?

Yes, you can skip the MandateHQ summary screen by enabling **Skip Mandate Summary Page for Cards** option from the Dashboard.

![](/docs/assets/images/skip_mandate_cards_rp.jpg)
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