- Short answer
- Shopify's Help Center gives ₹15,000 as the threshold for credit card and UPI bills in India; older mandates might still have ₹5,000
- Who sends the request
- Your bank, by SMS or push notification, not Shopify.
- Where ₹5,000 can still apply
- UPI set up before July 13, 2026, and older credit card mandates; Shopify's help hedges both.
- Payment failed
- The mandate stops; contact your bank to reset it, then you can ask Shopify Support to retry.
- Switching UPI and card
- Settings > Billing > Billing profile > Payment methods; not while a bill's payment is processing.
What does ₹5,000 mean on a Shopify bill in India?
In Shopify's India billing help, ₹5,000 appears only as a payment threshold: a bill above your threshold needs an extra authentication step before it can be processed; bills below it don't. Following the Reserve Bank of India's 2021 regulations for automatic, recurring payments, Shopify bills paid in rupees are processed through Razorpay, and paying by card or UPI means setting up a mandate for those payments.
Shopify's India billing help says the SMS or push notification asking you to authorize is sent by your bank, not by Shopify. Until you complete the authorization, Shopify can't process the payment.
This mandate pays your own Shopify bills. Taking UPI from customers is a separate setup: see whether a Shopify store in India can accept UPI payments.
Why is it ₹5,000 for some merchants and ₹15,000 for others?
Shopify's India billing FAQ, read October 12, 2026, sets the threshold at ₹15,000 INR for both credit cards and UPI. Older setups might be the exception:
If you set up UPI before July 13, 2026, then your payment threshold might be ₹5,000 INR.
Older credit card mandates might also have a ₹5,000 INR threshold. Neither that page nor the pay-bills page, read the same day, says why the thresholds differ or calls July 13, 2026 a change date.
What to do when your bank asks you to authorize
- Approve the request in your bank's SMS or push notification.
- No SMS? Contact your bank: it sends the pre-debit authorization request and can help you troubleshoot. Shopify doesn't control your mandate.
- Payment failed? Your mandate is stopped. Contact your bank to reset it, then contact Shopify Support to retry the payment. Your bank's website or app shows the mandate's status.
- Changing how you pay? Go to Settings > Billing, then click Billing profile; in Payment methods, click Set up UPI (Shopify's troubleshooting section gives the path as Add payment method > UPI), or Replace credit card for a new card. You can switch between UPI and card, but not while a bill's payment is processing.
- Settings
- Billing
- Billing profile
- Payment methods
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