Subscriptions with Cross-Border Payments

CB (Cross-Border) Subscription integration enables you to set up automated recurring payment systems for international customers. This comprehensive solution supports multiple payment methods including Cards, UPI, and Net Banking, allowing businesses to streamline their subscription billing processes while maintaining compliance with cross-border payment regulations.

Transaction Flow Components

The CB Subscription integration consists of three main components:

1. Registration Consent

Purpose: Establish customer consent and register payment mandates for recurring transactions.

Key Features:

• Secure mandate registration across multiple payment methods
• Compliance with cross-border payment regulations
• Customer consent validation and authentication
• Token generation for secure recurring payments

Refer to the following sections on how to integrate Registration Consent Transaction with Cross-Border Payments:

• PayU Hosted Integration
• S2S
  • Cards Consent Transaction
  • UPI Consent Transaction
  • Net Banking Consent Transaction

2. Pre-Debit Notification

Purpose: Notify customers and validate account status before executing recurring payments.

Key Features:

• Customer notification system
• Account balance verification
• Compliance with regulatory pre-debit requirements
• Risk assessment and fraud prevention

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Reference: For pre-debit transaction, you must use the Pre-Debit Notification API. For more information, refer to Pre-Debit SI API

3. Recurring Payment Transaction

Purpose: Execute automated payments based on registered mandates.

Key Features:

• Automatic billing cycle execution
• Multiple billing frequencies (monthly, yearly, custom intervals)
• Intelligent retry mechanisms for failed payments
• Real-time payment status notifications

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Reference: For recurring payments with CB, you must pass the UDF parameters with invoice ID and customer details. For more information, refer to Recurring Payment Transaction API - PACB.

Payment Method Support

💳 Cards (Credit/Debit)

• Registration: Secure card tokenization with consent
• Compliance: PAN validation, mandate limits
• Benefits: Wide acceptance, instant processing
• Use Cases: International subscriptions, premium services

Key Parameters:

• Card details (number, expiry, CVV, holder name)
• Standing Instruction (SI) details
• Cross-border compliance fields (PAN, DOB, merchant entity)

📱 UPI (Unified Payments Interface)

• Registration: UPI mandate with customer approval
• Flows: Collect and Intent workflows
• Benefits: Cost-effective, real-time processing
• Use Cases: Domestic subscriptions, micro-payments

Key Parameters:

• VPA (for Collect flow)
• SI mandate details
• Billing cycle configuration
• Customer authentication

🏦 Net Banking (eNACH)

• Registration: Electronic mandate registration
• Compliance: Bank-specific validation
• Benefits: Direct bank account access, lower processing fees
• Use Cases: Large-value subscriptions, enterprise billing

Key Parameters:

• Bank code selection
• Mandate details with billing schedule
• Customer bank account validation
• Secure hash authentication

API Endpoints Summary

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