Overview

Subscripion enables merchants to automatically initiate renewal payments on a user’s original payment method at a predefined interval (e.g., monthly, quarterly, yearly) after the user has completed the initial payment authorization (first charge). Users do not need to re-enter card details or confirm the payment.

Cycle Management

• Oceanpayment does not maintain the recurring cycle logic.
• Merchants’ systems should calculate the next charge date and actively call the Initiate Payment API, ensuring the service_mode parameter reflects the correct scenario.
• If the charge is not called on schedule, no automatic deduction will occur.

Amount or Plan Changes

• If the merchant changes the subscription amount or cycle, the user must re-authorize before the changes take effect.
• Oceanpayment will not automatically update the token to charge a modified amount.

Notifications and User Experience

• It is recommended to send a 'renewal upcoming' reminder before the recurring charge.
• Push ‘renewal success/failure’ notifications after the charge.
• Provide a way for users to 'cancel automatic renewal'.

Handling Failed Charges

• If the issuing bank declines the charge or the account has insufficient funds, Oceanpayment will return a failure code.
• Merchants are advised to implement a retry mechanism to avoid duplicate concurrent attempts.
• Once retries exceed the limit, subscriptions must be paused and users notified to update their payment information.