Auto-charge may fail for recurring payments from 1 October 2021 (India Edition)

Auto-charge may fail for recurring payments from 1 October 2021 (India Edition)

Hello everyone,

This announcement applies to the India edition of Zoho Subscriptions and Zoho Checkout.

As per RBI's new regulations, which aim to prevent fraudulent transactions, your customers' card details that were stored before 1 October 2021 cannot be used for automatic recurring payments (Auto-charge).

Here are a few steps you can take to prevent unnecessary churn due to the new regulations:

1. Add payment links to emails

Your customers will still be able to make payments manually, using the invoice payment link that's shared with them via email when their payment fails. If you've disabled or modified this email notification, we recommend that you enable it temporarily and ensure that it contains the required placeholders.

To do this for Zoho Subscriptions:
  • Go to Settings > Retry Settings.
  • Click Credit Card, to edit your Payment Failure and Retry email notifications.

  • Click the Placeholders dropdown and select Online Payment.

  • Click Save.

To do this for Zoho Checkout:
  • Go to Settings > Retry Settings.
  • Click the Email icon to edit your Retry email notifications.

  • Click the Placeholders dropdown and select Invoice URL.

  • Click Save.
  • Go to Settings > Email Notifications.
  • Click the Payment Failure Notification to edit its email template.

  • Click the Placeholders dropdown and select Invoice URL.

  • Click Save.
Now, when auto-charge fails and these emails are sent to your customers, they will contain an invoice payment link that can be used to pay you.

2. Save cards for future use

Since the RBI regulations apply only to the card details that were stored before 1 October 2021, card details that are stored on or after 1 October 2021 can be used for future recurring payments without any issues. So, when your customers make payments manually after 1 October 2021, they can store their card details by selecting the Save this card for future transactions option. Once the card details are stored, your customers’ cards can be auto-charged for future invoices.

We'll keep this thread updated with new announcements regarding the RBI regulations. In the mean time, please feel free to leave a comment below or write to us at or if you have any questions about this.

    Zoho Marketing Automation

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