AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Accept & Collect · Subscription BillingFor subscription businesses: collect each subscriber's fee on schedule, retry failed payments, keep subscribers informed and see every renewal reconciled to the right subscriber and cycle.
Subscription billing is collecting a subscriber's fee automatically every billing cycle. Paynancial Smart Collections collects subscription payments on a schedule, retries failed attempts on a defined schedule, keeps subscribers informed and reconciles every collection against the subscriber and cycle it belongs to. Plan management, free trials, proration and invoice generation are not described on this site — ask our team.
For a subscription business, revenue lives or dies on renewals. Every cycle, each subscriber has to be charged; every failed card or account is revenue at risk; and every renewal has to land in the right subscriber's record for finance to trust the numbers.
Paynancial handles the collection side through Smart Collections: subscription payments collected on schedule, failed renewals retried, subscribers kept informed and each renewal reconciled. Your own product keeps deciding who is subscribed to what; Paynancial collects what is due.
Your product records the plan and the price.
Create a collection for the subscriber with the amount and the billing cycle.
Each cycle, the subscription fee is collected on the scheduled date.
A failed attempt is recorded with a reason code and retried on a defined schedule.
Each renewal is matched to its subscriber and cycle in your collection report.
Through Smart Collections.
Subscription Billing is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Smart Collections | Collects the subscription fees. See Smart Collections. |
| Collections API | Create a collection per subscriber from your product. See the API Reference. |
| Payment Links | One-off charges alongside the subscription. See Payment Links. |
| Reconciliation | Renewals matched to subscribers. See Reconciliation. |
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
Covers e-mandates for recurring payments on cards, UPI and prepaid instruments, including registration by the customer with additional authentication, a notification before each debit, and the option to withdraw the mandate.
Lets a customer set up, view, pause and cancel recurring UPI mandates in their UPI app, for subscriptions and other repeating payments.
Covers how authorised payment system operators and participants offer customers an online, rule-based way to raise and resolve disputes and grievances about digital payments.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
Your product decides who is subscribed and at what price; collections follow it.
Contact the subscriber while the retry schedule is still running.
A subscriber who can cancel easily is less likely to dispute a charge.
Collecting a subscriber's fee automatically every billing cycle, so renewals happen without chasing.
Smart Collections collects subscription payments on a schedule, retries failed renewals on a defined schedule, keeps subscribers informed and reconciles each renewal to its subscriber and cycle.
Plan management, free trials, proration and invoice generation are not described on this site. Your product keeps the plan; ask our team about your requirements.
Your collection report shows what was collected, what failed — with a reason code — and what is still pending.
Tell us how your business takes and moves money, and we will show you how it fits.
Discuss your payment and financial infrastructure requirements.
