UPI Autopay mandates can be canceled by either the merchant or the customer through their UPI application. Zuora synchronizes the EBANX UPI mandate status with the corresponding UPI payment method and prevents further billing when a mandate is no longer valid.

Customers cancel mandates in their UPI application

Customers can revoke a UPI Autopay mandate or allow it to expire directly in their UPI application or through their issuing bank.

When this happens:

• EBANX updates the mandate status (for example, to revoked or expired) and sends the update to Zuora through Real-Time Reconciliation (RTR) and webhooks.
• Zuora automatically updates the mandate status and closes the associated UPI payment method.
• The payment method is no longer used for new payments or payment runs.
• Mandate-related identifiers and status fields are updated for accurate reporting and reconciliation.

You can also configure notifications for events such as Payment Method Closed by creating event-based notifications under Platform > Events and Notifications. This allows you to trigger emails or callouts whenever a UPI payment method is closed through Real-Time Reconciliation. Merchants can subscribe to payment method events to receive notifications when a payment method is closed.

Merchants closing the payment method

Merchants can take action on payment methods in Zuora when they no longer want to use a mandate.

• Merchants can close a UPI payment method in Zuora by using the Close a payment method API .
• Closing a payment method prevents it from being used for future payments or payment runs.

When using the Choose Payment Method API, Zuora only updates the selected payment method and does not initiate mandate cancellation with EBANX.

To cancel the mandate, merchants must instruct customers to contact their UPI application or issuing bank.

Additional management options

In addition to automatic closure based on EBANX mandate status, you can manage UPI payment methods through Zuora APIs.

• Manually close a UPI payment method in Zuora to stop using a mandate, even if EBANX has not yet reported it as revoked or expired.
• Reactivate a previously closed UPI payment method after re-establishing the mandate with EBANX. This allows you to resume using the same payment method for recurring debits.

Use the standard payment method REST APIs to update the payment method status. For more information, see the Payments section in the Zuora API reference.