Guide for E-Mandate usages

How will this impact my Stripe Integration with Pabbly?

The following impact may apply to your Stripe integration:

• Stripe's e-mandate creation is applicable to cards issued in India and INR currency only. Issuing banks and Stripe do not support the creation of e-mandates for Non-INR currency. As a workaround for non-INR transactions, you can utilize payable invoice to process payments manually.
  
  
• Banks will trigger dynamic authentication to complete additional factor authentication (AFA) when setting up the mandate and for transactions that exceed INR 15000. However, not all banks support dynamic authentication.
  Note: Please reach out to Stripe for the list of supported banks.
  Note: If the amount exceeds INR 15000, then the e-mandate will require AFA during the pre-debit notification.
  
  
• For sub-recurring payments, pre-debit notifications must be sent 24 hours before every renewal payment. However, you may experience delays of up to 3 days for payment confirmation.
  
  
• All existing customers would need to set up their mandates again post-October 1, 2021 to ensure recurring payments can be processed without AFA.
  Note: Failure to set up updated mandates with customers will require customers to complete AFA for recurring transactions post-October 1, 2021.
  Click here to access Stripe's help document.
  
  
• Configure your Webhooks within Stripe as all recurring payments are expected to take X+3 days to get a confirmation. This delay can be attributed to RBI guidelines for Issuing banks to send Pre-debit notifications to customers at least 24 hours before the payment can be made.
  
  For example, if the payment is scheduled for the 1st of every month, the payment will be processed only on the 4th of every month.

Configure webhooks for Stripe e-mandate:
Set up a webhook in your Stripe account. Use the following webhook URL -

Webhook Url: https://payments.pabbly.com/api/listener/stripe

And then select the following Events -

setup_intent.canceled
setup_intent.setup_failed
setup_intent.succeeded
payment_intent.canceled
payment_intent.payment_failed
payment_intent.succeeded
charge.refunded

While using e-mandate, If payment is in the process (Payment settlement duration), then
--Payment(Sales) status will be: In Progress
--Invoice status will be: Payment Due
--Subscription status will be: Pending
--A payment initiation email notification will be sent to the merchant and customer.

If payment is settled, Stripe will send a webhook event to our server and the subscription will be live and its transaction will be recorded in Pabbly system.
The subscription status will be LIVE, the Transaction status will be SUCCESS & the invoice status will become PAID.