Account billing for India
In India, you can pay your Shopify bills in Indian rupees (INR) using Unified Payments Interface (UPI), or a co‑branded debit or credit card through Visa, Mastercard, or the RuPay network.
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Guidelines for account billing for India
To comply with the Reserve Bank of India’s guidelines, you can pay your Shopify bills in Indian rupees (INR).
Before switching your billing currency to INR, you must meet the following requirements:
- Your store's billing address is in India, and must have all address fields filled out, including the following fields:
- Country/region
- Address
- Apartment/suite (if applicable)
- City
- State
- PIN code
- Your payment method is Unified Payments Interface (UPI), or a supported co‑branded debit or credit card through Visa, Mastercard, or the RuPay network.
Making bill payments in Indian rupees (INR)
You can pay your Shopify bills in INR using Unified Payments Interface (UPI), or a co‑branded debit or credit card through Visa, Mastercard, or the RuPay network.
Add card payment method
To set up recurring bill payments in INR, confirm that your store’s billing address is in India and your billing currency is set to INR before adding or re-entering your credit or co-branded debit card. Your card needs to be issued from a supported bank and card network and have a billing address in India.
To comply with the Reserve Bank of India's guidelines for processing recurring online payments, Shopify bill payments are processed through Razorpay, a secure payment partner. Adding or re-entering your card connects you to Razorpay, where you establish a mandate that permits Shopify to automatically charge your card each month. Whenever this mandate is used to charge your card, your bank sends a pre-debit notification to you through SMS, giving notice that Shopify will charge your card in 24-48 hours.
If the charge exceeds ₹15,000 INR, then you need to complete an additional authentication step through the pre-debit SMS notification.
Steps:
From your Shopify admin, go to Settings > Billing.
-
In the Payment methods section, do one of the following:
- If you're adding a new card, then click Replace credit card.
- If you're reentering your card, then click the
...button beside your card, and then click Replace.
Enter your card information and billing address.
Click Replace credit card. This activates a redirection to Razorpay. If you receive an error message stating that your card isn't supported, then the card and its issuing bank don't support recurring online payments. Try again with a different card.
Approve the mandate through Razorpay.
Add Unified Payments Interface (UPI) payment method
If you have a UPI ID, payment app, and PIN, then you can add UPI as your primary payment method for Shopify bills.
To set up automated bill payments, confirm that your store’s billing address is in India and your billing currency is set to INR. Next, use your UPI payment app to establish a mandate that permits Shopify to automatically debit your Shopify bill from your bank account each month.
If your bill is greater than ₹5,000 INR, then you need to log in to your Shopify admin to approve each bill payment. UPI has a limit of ₹100,000 INR per transaction, although the limit can vary depending on your bank.
Steps:
From your Shopify admin, go to Settings > Billing.
In the Payment methods section, click Set up UPI.
In the Send your UPI ID for verification dialog, enter your UPI ID.
Click Send.
On your mobile device, use your UPI payment app to approve the mandate and enter your UPI PIN.
-
On your billing settings page, confirm the status of your UPI setup:
- If the UPI setup was successful, then UPI is saved as Primary in the Payment methods section.
- If the UPI setup was unsuccessful, then an alert suggests that you try again or add a different UPI ID.
Using UPI apps and handles
If you're billed in Indian Rupees (INR) and want to use a Unified Payment Interface (UPI) application, then you must use a viable UPI application and an approved handle. If you don't use an approved handle, then your payment might fail. If you have questions regarding UPI applications and their handles, then you must contact Razorpay's customer support team as they support the use of these features.
Common UPI applications and handles
| Applications | Handles < = ₹ 15,000 | Handles > = ₹ 15,000 |
|---|---|---|
| Amazon Pay | @apl and @yapl | @apl and @yapl |
| BHIM | @upi | N/A |
| Google Pay | @okhdfcbank, @okicici, and @okaxis | @okhdfcbank, @okicici, and @okaxis |
| IndusInd Bank app | @indus | N/A |
| Paytm | @paytm | @paytm | PhonePe | @ybl, @ibl, and @axl | N/A |
Alternative UPI applications and handles
| Applications | Handles |
|---|---|
| Amazon Pay | @apl and @yapl |
| BHIM Axis Pay | @axisbank and @sliceaxis |
| Bhim Baroda Pay | @barodampay |
| BHIM BOI UPI | @boi |
| BHIM DLB UPI | @dlb |
| BHIM IndusPay | @indus |
| Canara Bank | @cnrb |
| DakPay | @postbank |
| Digibank | @dbs |
| iMobile Pay | @icici |
| MobiKwik | @ikwik |
| NSDL Payments Bank | @nsdl |
| PayZapp | @pz |
Troubleshoot bill payments in INR
If you're having issues with your bill payments in INR, then you might need to complete additional troubleshooting steps to solve the error.
This UPI ID couldn't be authorized
If you get the error message This UPI ID couldn't be authorized, then ensure your Shopify store address is accurate and complete, which is necessary to authorize a UPI account for payments.
Update your store address in Settings > General. Address fields need between 3 and 60 characters and the format must match with Google Maps.
Your card was rejected while verifying
If you get the error message Your card was rejected while verifying, then confirm that your credit card can support recurring payments and is from a supported bank and card network.
If your credit card both supports recurring payments and is from a supported bank and card network, then make sure your store address is complete and accurate. Update your store address and ensure there is a valid phone number in Settings > General. Address fields need between 3 and 60 characters and the format must match with Google Maps.
Failed payments
If your supported card's payment attempt fails, then contact the bank that issued your card to confirm that recurring payments are activated for that card.
Bills exceeding a specific threshold require an additional authentication step. For credit card, the threshold is ₹15,000 INR. For UPI, the threshold is ₹5,000 INR. Additional authentication is sent by SMS message to a valid phone number. Failure to approve the pre-debit notification results in a payment failure. Contact your bank if you don't receive an SMS message.
UPI transactions have a limit of ₹100,000 INR per transaction. If the bill surpasses this amount, then consider using a credit card.