APAC

BECS in Australia and UPI Auto Pay in India — two very different mandates and payment cultures.

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Why it matters

Australia and India both run on mandate-based direct debit systems, but the mandates themselves — and the customer behavior around them — look nothing alike. BECS in Australia is a mature, high-success rail. UPI Auto Pay in India is newer but already outperforms every other method in the market on sign-up success.

Australia

BECS converts at 97.22% sign-up and 99.23% renewal, but only 0.65% of merchants offer it. PayPal is offered by 34% of merchants and converts strongly. Foreign businesses exceeding AUD $75,000 in Australian revenue must register for GST.

India

UPI Auto Pay leads sign-up success at 87.13%, well above credit cards at 36.18%. Apple Pay also performs strongly (85.85%). Free trials and low entry-price tiers resonate strongly with Indian consumers.

RBI requires 3DS and 24-hour advance notice on recurring payments

The Reserve Bank of India mandates additional verification for recurring transactions and requires cardholders receive pre-transaction notification at least 24 hours before a recurring charge. Payments must also settle in INR — cross-border INR transactions are restricted.

How to enable it

Enable AUD and/or INR

In Configuration → Currencies, add the currencies you need and set localized pricing per plan.

Confirm gateway coverage

BECS is available through GoCardless or Stripe. UPI Auto Pay is available through Ebanx — Recurly's preferred gateway for India transactions.

Enable 3DS for India

Turn on 3D Secure in your gateway configuration to satisfy the RBI mandate before processing recurring INR transactions.

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Resources

Recurly Docs: BECS Recurly Docs: UPI AutoPay Recurly Docs: RBI regulations Contact Recurly Support