Razorpay merchants can now recover failed subscription payments automatically. we just shipped it.

Most recovery tools were built for Stripe. If you're on Razorpay, you've been watching features that don't apply to you. UPI doesn't exist in those tools. Razorpay's error codes aren't mapped. The retry logic doesn't account for how Razorpay handles halted subscriptions.

So we built the thing that actually works for Razorpay.

Recurflux now connects to Razorpay. When a subscription payment fails, we catch it, classify it, and retry it at the right time. Expired card, insufficient funds, OTP timeout, bank network error, each one gets treated differently because they recover differently.

If retries don't work, here's the part that's specific to India.

We create a Razorpay payment link with UPI enabled and send the customer a recovery email. They tap it, pay through GPay, PhonePe, Paytm, whichever they use, and the subscription continues. No card required. The link stays open for 7 days. We handle the email ourselves so the copy and timing are actually good.

That's the thing no Stripe-native tool gives you. UPI as a recovery path is real in India in a way it isn't anywhere else, and we built around that.

Building this honestly took longer than we planned. Razorpay's webhook payload structure is different from every other processor we've integrated. Their SDK is missing the charge method for subscriptions entirely, so we had to call the raw endpoint directly. Subscription state has to be checked before every retry attempt because their halted state doesn't behave the way you'd expect. We mapped around 50 error codes to build the classifier.

None of it was impossible. It was just a lot of surface area that isn't documented anywhere obvious.

if you're on Razorpay and you've never looked at how many subscription payments are failing silently each month, that's probably the most useful thing you can do in the next 10 minutes. open your dashboard, filter by failed payments in the last 30 days, add them up.

when you're ready to do something about it, connecting Razorpay to Recurflux takes about 10 minutes and requires no code.

recurflux.com

still finding edges in Razorpay's API. if you've built on it and hit things i didn't mention, i'd genuinely like to hear from you.