#Reserve (One Time Mandates)
PREREQUISITES
🌟 UPI mandates overview ↗#What is a UPI Reserve?
UPI Reserve is a specialized One-Time Mandate product within our UPI Autopay Solution that enables any merchant to provide "Auth & Capture" over UPI.
Reserve allows a merchant to block funds upto ₹1 lakh for all MCCs except 6211 and debit either the full amount or a partial amount from the customer. If a partial debit is done, remaining funds are unblocked in the customer bank A/C without any additional need for refund/reversal.
MCC 6211 - Capital Markets & Securities Brokers merchants can block upto ₹5 lakhs on UPI via Reserve
#What can I do with this product?
- Provide seamless digital IPO Journeys supporting upto ₹5 lakhs per transaction via UPI
- Replace deposits with non-revocable fund blocks for rental use cases with variable debit
- Integrate conditional payments where funds are debited only on confirmation of delivery
#How it works
Step 1 — Create a recurring mandate
- Merchant sends UPI Reserve mandate details to UPI Setu and receives a unique one time mandate creation intent link / QR to send to their Customer
- Customer clicks the one-time mandate creation intent link, chooses their UPI app / scans the QR on their UPI app, and enters mPIN to initiate Reserve Creation.
- UPI Setu triggers a webhook notification on one-time mandate creation initiation which the merchant can use to update recurring mandate status at their end.
- UPI Setu, gets confirmation from NPCI on Mandate Creation, and funds are blocked in the customer’s bank account for the Reserve usecase.
- Once the mandate is LIVE, UPI Setu triggers another webhook notification which the merchant can use to mark the mandate status as LIVE at their end.
Step 2 - Trigger mandate execution
Merchant does not have to send any pre-debit notification as customer allowing blocking of funds is equivalent to giving consent for transaction.
Merchant triggers a call to the execution API only if serice is provided and the customer’s account is debited depending on the level of usage.
If Block is partially used, merchant can trigger execution API and specify execution amount according to the value of partially used funds.
If Block is not used by customer, then merchant can cancel the mandate to unblock the customer’s funds in their bank account.
Step 3 - Check payment status
Merchant can use check payment status API to check payment statuses associated to the mandate.
#Other mandate operations
Other operations that can be performed on a single block multi-debit mandate once it is LIVE
- Revoking a Reserve mandate
- Pausing a Reserve mandate
- Unpausing a paused Reserve mandate
These have been detailed in the Mandate operations section within UPI mandates