Credit Card AutoPay Terms

Document: CC-ECS-T&C-2026 · Gateway: Razorpay Credit Card e-Mandate / Standing Instruction / Subscriptions · Card Autopay typically carries ~
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% PG/bank fee vs UPI.

1. What is Credit Card ECS / AutoPay?

You authorise
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via Razorpay to charge your credit card every month for the agreed instalment (usually on the
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0th). One-time OTP / 3DS registration; then standing instruction / e-mandate for subsequent months.

Because card rails cost more, the card AutoPay instalment is UPI instalment + ~
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% (exact amount shown at checkout).

2. Main condition — do not cancel before return

Compulsory: Do not close / cancel / revoke the card mandate from your bank or card app until the rented asset is returned and
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cancels the mandate after pickup.

If cancelled without return — same recovery framework as UPI AutoPay: security hold/forfeit until settlement, pending rent, penalties, asset recovery (guide
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unless order declares another value), penalty
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, legal
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, possible blacklist and legal notice.

3. Failure handling

• Due-day charge → retries → failed → pay via UPI/link/cash within 3 days; field collection extra
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  may apply.
• Insufficient limit, expired card, issuer decline → same path.
• Mandate cancelled by customer without return → urgent admin + customer alert and Clause 2 process.

4. Return closes AutoPay

Return request → pickup OTP → refund calculation → company cancels Razorpay subscription/mandate → confirmation. Future card AutoPay stops after company cancel.

5. Consent & chargeback

By choosing Credit Card AutoPay you agree these terms, authorise recurring card charges for the instalment, and will not raise a chargeback for a valid consented rental debit. Billing disputes go through
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rental support first.

Also see: UPI AutoPay Terms · Combined overview