Payment Preferences

Chargebee makes it easier for you to manage how your payment gateways work through Payment Preferences. These settings enable direct customization of gateway behavior, allowing for precise alignment with your unique business requirements (such as modifying mandate amounts for UPI and NetBanking, and more) without requiring Chargebee support intervention. Parameters previously managed by the Chargebee support team are directly accessible and modifiable within the Chargebee UI, significantly improving your operational efficiency and autonomy.

Each payment preference is pre-configured with a default value. You can adjust these values as required, and any modifications apply uniformly to all instances of the selected gateway configured on your Chargebee Billing site.

Configuring Payment Preferences

All payment preferences are managed from a centralized location within your Chargebee site. Changes made to these settings are applied universally to all instances of the specific payment gateway configured.

To access and modify payment preferences for your payment gateways:

1. Log in to your Chargebee Billing site.
2. From the left navigation pane, select Payments and then click on Payment Gateways.
3. Click Manage Settings from the Payment Preferences block.
   
4. Settings are listed under sections dedicated to each configured payment gateway. Locate the desired gateway and the specific setting you wish to modify.
   
5. After making any changes, remember to click Apply or Save (depending on the UI prompt) to implement your configurations.

The following sections detail the individual settings available for your payment gateways.

Razorpay settings

This section details payment preferences that are applicable for Razorpay as configured on your Chargebee Billing site:

UPI Max Transaction Amount

This setting allows you to define the maximum permissible mandate amount for UPI payments processed via Razorpay. The mandate amount represents the upper limit that can be authorized or blocked during a UPI transaction attempt; it does not necessarily reflect the final amount ultimately charged.

Setting an appropriate maximum amount ensures smoother transaction experiences for your customers and provides control over the upper threshold for order values when using UPI.

• Default Value: 500000 (equivalent to ₹5,000)
• Possible Values: 100 to 9999900 (equivalent to ₹1 to ₹99,999)

Important points:

• The value must be entered in the lowest currency unit (i.e., in paisa). For example, to set a limit of ₹100, you must enter 10000.
• This configured value maps directly to Razorpay's max_amount parameter, which determines the highest amount your customer can authorize for a single UPI transaction.

Net Banking Max Transaction Amount

This setting allows you to define the maximum permissible mandate amount per transaction for Net Banking payments processed via Razorpay. The mandate amount represents the upper limit that can be authorized or blocked during a Net Banking transaction attempt; it does not necessarily reflect the final amount ultimately charged.

Use this setting to control and limit the maximum mandate value your customers can authorize in a single Net Banking session.

• Default Value: 100000000 (equivalent to ₹1,00,00,000)
• Possible Values: 100 to 100000000 (equivalent to ₹1 to ₹1,00,00,000)

Important points:

• Enter the value in the lowest currency unit (i.e., in paisa). For example, to set a limit of ₹1,000, enter 100000.
• This configured value maps directly to Razorpay's max_amount parameter for Net Banking payments and is applied during the transaction authorization stage.

Common settings

This section details payment preferences that are applicable across multiple or all payment gateways configured on your Chargebee site.

Skip Customer Deletion During Payment Method Removal

This setting controls whether a customer's profile is deleted from the payment gateway when their only available payment method is removed in Chargebee.

Enabling this setting prevents Chargebee from deleting the customer profile at the gateway, even if all payment methods are removed. This preserves the customer's historical data, including invoices, at the gateway.

• Default Value: False
• Possible Values:
  • False: (Default) Removing the customer's only payment method in Chargebee also deletes the customer profile at the gateway.
  • True: Removing the customer's only payment method in Chargebee does not delete the customer profile at the gateway; it is retained.