How Businesses Can Build Seamless Recurring Payment Experiences with PhonePe PG’s Subscription IQ?
4 min read
For any online business, subscriptions are more than just payments; they’re a relationship with your customers.
Every renewal is a sign of trust. Every recurring debit is proof of loyalty. Subscriptions aren’t just about moving money, they’re about building predictable revenue you can scale on.
And the key to all of this? A payment experience that feels effortless. When subscriptions are easy to set up, flexible to manage, and reliable in execution, customers stay longer, lifetime value grows, and retention becomes a natural outcome.
That’s exactly why PhonePe PG has built Subscription IQ. Let’s break down what it includes:
What Does the PhonePe PG Subscription IQ Include?
It’s built on three powerful rails AutoPay, eNACH, and Card Recurring giving merchants a complete toolkit to manage, scale, and optimize recurring payments.
1. AutoPay
PhonePe PG’s UPI AutoPay is built on India’s most trusted payment network UPI, the foundation of seamless digital payments and the fastest-growing base for recurring transactions.
For online businesses, subscriptions are more than just transactions; they’re a lever for retention, predictable revenue, and reduced churn. With AutoPay, you can automate recurring collections while staying fully RBI-compliant and delivering a frictionless UPI-native experience to your customers.
Benefits of AutoPay:
Minimize failed payments with built-in validation.
Predictable cash flows with flexible mandate and frequency controls.
Recover lost revenue automatically with smart retry logic.
Stay compliant with SEBI-approved TPV protocols.
Expand reach with RuPay credit card support at zero setup cost.
Improve retention with easy pause/modify options instead of cancellations.
Reduce failed payments and improve success rates with pre-validated rules.
How It Works:
You set the subscription rules (amount, debit limit, and frequency). AutoPay validates each mandate upfront, processes eligible payments automatically, and retries failed ones intelligently. Customers get full control to pause, modify, or cancel subscriptions, while you reduce churn and maximize recurring revenue.
2. eNach
It allows your business to automatically collect recurring payments straight from your customers’ bank accounts. Once a mandate is authorized, payments happen on schedule without any manual follow-ups, helping you reduce churn, improve retention, and keep your revenue predictable.
Benefits of eNach:
Automates collections, cutting down manual follow-ups.
Makes revenue predictable with scheduled payments.
Provides a seamless experience with Netbanking or Debit Card authentication.
Supports payments for loans, EMIs, insurance, and more.
Covers all major NPCI-listed banks for maximum reach.
Fully compliant with NPCI & RBI norms, trusted by BFSI players.
How It Works:
Customers authorize a recurring mandate via Netbanking or Debit Card. NPCI validates and registers the mandate, after which payments are automatically collected on schedule. Merchants get visibility on mandate status and collections through their dashboard, making revenue management effortless.
3. Card Recurring
Lets customers set up recurring payments through their debit or credit cards with just a one-time authentication. For online businesses, it’s a smooth way to keep subscriptions active, reduce churn, and maintain predictable revenue especially for high-value services like OTT, SaaS, insurance, and SIPs.
Benefits of Card Recurring:
Unlocks revenue in BFSI, OTT, SaaS, and insurance segments.
Fully compliant with RBI recurring payment guidelines.
Keeps subscribers active with automated card payments.
Reduces churn by eliminating friction in recurring billing.
Strengthens lifetime value and predictable revenue for your business.
How It Works:
Customers choose the Card-Based AutoPay option at checkout and complete a one-time authentication via OTP/3DS. A recurring mandate is registered with the issuing bank or card network, and all future payments are processed automatically according to the subscription schedule with no additional effort required from the customer.
Conclusion
Subscriptions are the backbone of predictable revenue and long-term customer relationships. PhonePe PG’s Subscription IQ makes recurring payments effortless helping online businesses improve payment success, strengthen customer loyalty, and scale revenue efficiently.
With smart automation, seamless integration, and full compliance, PhonePe PG lets your business focus on growth while subscriptions run smoothly.
Get started with PhonePe PG today and turn your recurring payments into a growth engine.
