#ReservePlus (Single block multi-debit mandate)

PREREQUISITES 

#What is a single block multi-debit mandate?

A single block multi-debit mandate is a mandate that blocks a requested amount of funds in the customer's account and can be executed / debited multiple times against the blocked funds.

#What can I do with this product?

Single block multi-debit mandates combines the simplicity of wallets with the convenience of UPI.

• Enable try and buy cash-on-delivery orders for your D2C brand, debit only for unreturned goods
• Create in-app wallets by blocking funds on customer account and debit after purchases
• Power smart margin trading by blocking funds which are released on demand when needed

#How it works

These are the steps involved in collecting a payment from a customer via an intent based single block multi debit mandate.

Step 1 — Create a single block multi-debit mandate

1. Merchant sends single block multi debit mandate details to UPI Setu and receives a unique single block multi debit mandate creation intent link / qr to send to their Customer
2. Customer clicks single block multi debit mandate creation intent link, chooses preferred UPI app / scans the qr on preferred UPI app and enters mPIN to initiate single block multi debit mandate creation.
3. UPI Setu triggers a webhook notification on single block multi debit mandate creation initiation which the merchant can use to update single block multi debit mandate status at their end.
4. Once the mandate is LIVE, UPI Setu triggers another webhook notification which the merchant can use to mark mandate status as LIVE at their end.

Step 2 - Trigger mandate execution

Every time that a payment needs to be collected, the merchant triggers mandate execution via UPI Setu.

A customer receives a collect request notification on their UPI app, clicks on the notification and enters mPIN to authorise the payment.

Step 3 - Check payment status

A 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

• Updating a single block multi debit mandate
• Revoking a single block multi debit mandate
• Pausing a single block multi debit mandate
• Unpausing a paused single block multi debit mandate

These have been detailed in the Mandate operations section within UPI mandates