Charge

Overview

The charge method processes a recurring payment using an existing mandate. Once a customer has authorized recurring billing, use this method to charge their stored payment method without requiring their interaction.

Business Use Case: Your SaaS subscription renews monthly. The customer already authorized recurring payments during signup. On the renewal date, you call charge to process their subscription payment automatically.

Purpose

Why use recurring payment charges?

Scenario	Benefit
Subscription billing	Automate monthly/yearly recurring charges
Membership dues	Process club/organization membership fees
Installment plans	Collect scheduled payments automatically
Utility billing	Automate recurring service payments

Key outcomes:

• No customer interaction required for repeat payments

• Consistent cash flow for subscription businesses

• Reduced payment friction improves retention

Request Fields

Field	Type	Required	Description
merchant_transaction_id	string	Yes	Your unique transaction reference
amount	Money	Yes	Amount to charge in minor units (e.g., 1000 = $10.00)
mandate_id	string	Yes	The mandate ID from setup_recurring
description	string	No	Description shown on customer's statement
metadata	dict	No	Additional data (max 20 keys)
webhook_url	string	No	URL for async webhook notifications

Response Fields

Field	Type	Description
merchant_transaction_id	string	Your transaction reference (echoed back)
connector_transaction_id	string	Connector's transaction ID
status	PaymentStatus	Current status: SUCCEEDED, PENDING, FAILED
error	ErrorInfo	Error details if status is FAILED
status_code	int	HTTP-style status code (200, 402, etc.)

Example

SDK Setup

from hyperswitch_prism import RecurringPaymentClient

recurring_client = RecurringPaymentClient(
    connector='stripe',
    api_key='YOUR_API_KEY',
    environment='SANDBOX'
)

Request

request = {
    "merchant_transaction_id": "txn_sub_monthly_001",
    "amount": {
        "minor_amount": 2900,
        "currency": "USD"
    },
    "mandate_id": "mandate_xxx",
    "description": "Monthly Pro Plan Subscription"
}

response = await recurring_client.charge(request)

Response

{
    "merchant_transaction_id": "txn_sub_monthly_001",
    "connector_transaction_id": "pi_3Oxxx...",
    "status": "SUCCEEDED",
    "status_code": 200
}

Common Patterns

Subscription Renewal Flow

Flow Explanation:

1. Check renewal - On the scheduled date, call charge with the stored mandate_id.

2. Process payment - The charge is processed using the customer's stored payment method.

3. Handle result - If successful, extend the subscription period. If failed, initiate dunning workflow.

Error Handling

Error Code	Meaning	Action
402	Payment failed	Insufficient funds, expired card, etc.
404	Mandate not found	Verify mandate_id is correct
409	Duplicate transaction	Use unique merchant_transaction_id

Best Practices

• Call charge on the expected renewal date

• Handle failures gracefully with retry logic

• Notify customers of failed payments with update payment method link

• Store successful transaction IDs for reporting

Next Steps

• setup_recurring - Create initial mandate

• revoke - Cancel recurring payments

• Payment Service - Handle failed payment retries