Reserve
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.
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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.
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If Block is partially used, merchant can trigger execution API and specify execution amount according to the value of partially used funds.
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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