Automate Recurring Payments with 1 click

Q: What is the purpose of a recurring transaction?

Recurring payments ensure a prompt and reliable capital inflow, helping to produce a healthier cash flow and lowering your collection costs. Businesses will receive payments from clients more efficiently with recurring transactions. In this case, you don't have to worry about customers forgetting to pay or running out of money in your bank accounts.

Q: What happens if a recurring payment fails?

If a recurring payment fails, the customer’s credit card/ source of payment will be retried automatically up to 3 times. If all retry attempts fail, the recurring payment will be marked as ‘cancelled’ or ‘unpaid.’

Q: What is the maximum amount for eNACH mandate?

₹1 lakh is the maximum limit per day for mandates through eNACH. The transfer should be done manually to transfer more than ₹1 lakh in a single day.

Collect recurring payments from users via UPI & eNACH without manual follow-ups.

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₹40,000 Cr+ Processed Annually

24 Cr+ API Hits

Trusted by 2000+ Indian businesses for 10X faster fintech launches

Make Recurring Payments Frictionless

Better Conversions

Set up mandates with minimal hassles and improve conversion.

Reduced Operational Costs

Automate tasks and reduce costs of recurring collections.

Fully Compliant

End-to-end compliance as an RBI-certified Payment Aggregator with Split Settlements.

Wider Reach

Automate mandates across any bank in the country.

Reduce Risks

Reduce delayed payments and ensure timely payments from customers.

Scale Quickly

Focus on growing your business while our team does the work on integrations.

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Our Products

Available in the form of simple, automated, plug-n-play APIs & SDKs

UPI Autopay

Get recurring E-Mandate enabled on your platform via UPI for payments such as bills, EMIs, OTT subscriptions, insurance, mutual funds, etc

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e-NACH

Streamline high-value recurring payments and subscriptions through a mandate generation for customers via e-NACH

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Nexus Intelligence Active

Build your recurring payment flow
in record time.

Describe your use case. Nexus tells you exactly which Decentro APIs to use — and how to connect them.

Endless Possibilities

Collect Funds with Reduced Manual Efforts and Costs

Use Cases

Digital Subscriptions

Automate recurring payments for services on digital content from users via setting up mandates.

Insurance Premiums

Enable merchants by debiting their customers' insurance premiums for health, automobile, etc.

EMIs

Set monthly EMI auto-debits from the user’s account toward loans or other services for Fintechs or other platforms.

Savings Journey

Set up auto-debit plans to enable customers' monthly saving goals on personal finance platforms.

SIPs and Investment Plans

Set up a UPI Autopay or an eMandate for your customer to collect monthly instalments.

Edtechs & ERPs

Provide auto mandates to your students and subscribers to increase subscription via auto debit.

So what's the Decentro Difference?

Other Providers

Decentro

Go-Live Speed

Weeks of integration & manual bank approvals

Live in 24 hours with plug-n-play APIs for UPI & eNACH mandates

Mandate Types

Limited to either UPI or eNACH, not both

Dual Stack: UPI AutoPay + eNACH for complete coverage

Conversion Rates

Low conversions due to complex user flows

High conversion with frictionless 1-click mandate setup

Flexibility

Fixed frequencies, limited customization

Custom frequency options: daily, weekly, monthly, quarterly, yearly

Reconciliation & Reporting

Manual tracking & delayed insights

Real-time dashboards | Automated reconciliation & alerts

Refunds & Failures

Manual refunds | No automated retries

Instant refund APIs | Smart retry logic for failed mandates

Compliance & Security

Basic compliance without RBI certification

RBI PA-certified | PCI DSS | Real-time fraud monitoring

Reach Across Banks

Limited bank support

Works with any bank in India: PSU, private, SFB, cooperative, etc.

Try Out Yourself

As simple as a gentle tap, our APIs effortlessly facilitate seamless flow with just a touch

Name

Account No.

Start Date

End Date

Amount

Frequency

Authentication

Mobile

Set up eNACH Mandate

Enter details to proceed

Discover More, Learn More

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Real results, real voices

Leading companies share their Decentro journey

We’ve been using Decentro’s CKYC solution and have seen much better success rates compared to other vendors. In a space as complex as CKYC with evolving CERSAI guidelines, their speed of implementation truly stands out.

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Frequently Asked Questions

What is an example of a recurring transaction?

Recurring payments are repeating payments authorised by customers and taken automatically according to a predetermined schedule. Examples of recurring payments include memberships across streaming services, food delivery boxes, utility bills and more.

Is recurring payment the same as autopay?

Recurring and auto-pay are not the same thing. You specify the amount and date of the recurring payment. It means the payment time and money can be presented with a fixed term. When you set up your payments through AutoPay, the payment amount is withdrawn from the bank account you designated as of your payment due date, which can differ from month to month (i.e. a minimum payment or total balance amount can differ, and payment due date can differ each month).