To process domestic payments in India, you must comply with regulations in India, and have a local entity and a local integration in India. This page is an overview of points to consider when building an Adyen payments integration in India.
Before you start, contact your Adyen account manager to complete the onboarding process for India. They will also set up an India Customer Area for you.
Compliance
For domestic payments, the Reserve Bank of India (RBI) regulates:
- The card details that can be stored.
- The purposes that card details can be stored for.
- The process to follow before charging a recurring payment.
It is only allowed to store the last four digits of the card number, and the name of the card issuer. This is reflected in Adyen reports for payments in India.
The purposes that you can store card details for, are:
- One-off payments. You must use CardOnFile as the recurring processing model.
- Subscription payments. You must use Subscription as the recurring processing model.
- Automatic top-up payments.You must use UnscheduledCardOnFile as the recurring processing model.
Before you can charge a shopper for a subscription or automatic top-up payment, you must get the shopper's consent ("mandate"), send a pre-debit notification, and wait 48 hours.
For more information, see:
Payment methods
Apart from the global card schemes that we support in India, there are various local payment methods that we recommend adding to your integration.
RuPay
RuPay is the local Indian card scheme that issues both credit and debit cards. Integrating RuPay works in the same way as integrating any other card payment method. However, there are specific instructions in order to comply with the RBI regulations with regard to recurring subscription or automatic top-up payments.
For instructions, see:
Online banking India
Online banking India allows shoppers to make payments directly from their bank account using the bank's website or app. It is commonly used for bill payments, fund transfers, and other banking activities.
For instructions, see:
Paytm wallet
Paytm is India's largest stored value wallet. When paying with Paytm, the shopper is redirected to Paytm, where they authenticate themselves using their mobile number and a one-time password that is sent to the specified phone number. After confirming the payment, the shopper is redirected back to your website or app.
For instructions, see:
UPI
The Unified Payments Interface (UPI) was developed by the National Payments Corporation of India (NPCI), and is owned by the Indian government. UPI allows users to make peer-to-peer and peer-to-business payments using their phone, by linking multiple bank accounts to the UPI app. In the future, users will also be able to link credit cards.
There are specific instructions in order to comply with the RBI regulations with regard to recurring subscription or automatic top-up payments.
For instructions, see:
Wallets India
When a shopper pays with Wallets India, they are presented with a list of issuing banks. After selecting an issuing bank, the shopper is redirected to the bank's website or mobile app to complete the payment. Then the shopper is redirected back to your website or app.
For instructions, see:
Recurring payments
The only payment methods that allow domestic recurring payments in India are UPI, RuPay, and the global card schemes that we support in India. As described under Compliance, it is important that you adhere to the RBI requirements with regard to recurring subscription or automatic top-up payments.
The main differences with the general process for recurring payments are as follows:
- The initial payment request must contain a set of
mandateparameters. These inform the shopper of the amount, frequency, and start and end dates of the recurring payments. - Before each later recurring payment, you must send a POST
/notifyShopperrequest to create a pre-debit notification. This enables the issuer to inform the shopper of the upcoming charge. - The recurring payment must include a reference to the pre-debit notification.
For instructions, see:
Chargebacks
For transactions with cards or UPI, we offer a chargeback process through our partner BillDesk.
When a shopper disputes a payment, BillDesk sends us a Notification of Chargeback (NoC). We inform you of the NoC in your live India Customer Area or in a dispute webhook. You then have seven days to respond.
If you defend the dispute, Billdesk allows for 60 days to reject or accept your defense. If no chargeback is booked after 60 days, you can consider the dispute as won. However, the issuer can disagree and initiate a pre-arbitration even after 60 days. If this happens, the Adyen Support Team will contact you directly.
For more information, see:
See also
Adyen India policies: