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UPI AutoPay

Definition:

UPI AutoPay is a feature that allows users to authorise recurring payments from their bank account through UPI without manually approving each transaction.

What is UPI AutoPay?

UPI AutoPay is a recurring payment facility developed by the National Payments Corporation of India (NPCI) as part of UPI 2.0. It enables users to set up automatic payments for subscriptions, utility bills, insurance premiums, loan EMIs, SIPs, OTT platforms, and other recurring expenses.

Instead of making every payment manually, users create a one-time e-mandate through a UPI-enabled app. Once the mandate is approved, eligible recurring payments are automatically debited from the linked bank account on the scheduled due date, subject to the applicable limits and NPCI guidelines. Moreover, users can view, modify, pause, or cancel their AutoPay mandates through their UPI apps.

How Does UPI AutoPay Work?

Select UPI AutoPay as the payment option
Create an e-mandate with the payment amount and frequency
Approve the mandate using your UPI PIN
The merchant initiates recurring payment requests
Payments are automatically debited on the scheduled dates, subject to applicable rules

Common Uses of UPI AutoPay

Use Case	Example
Loan Repayments	Personal Loan EMIs
Utility Bills	Electricity, Gas, Broadband
OTT Subscriptions	Video & Music Streaming Services
Insurance Premiums	Life & Health Insurance Renewals
Investments	SIPs & Recurring Investment Plans
Memberships	Gym & Club
Mobile & DTH	Recharge Plans & Postpaid Bills

Benefits of UPI AutoPay

Benefits	Description
Automatic Payments	Eliminates the need to make recurring payments manually
Timely Payments	Helps avoid missed due dates and late payment charges
Easy Setup	Mandates can be created in a few simple steps through UPI apps
Secure Transactions	Payments are authorised through UPI’s secure authentication process
Flexible Control	Users can modify or cancel mandates whenever required

FAQs

What is UPI AutoPay?

UPI AutoPay is a feature that allows users to authorise recurring payments from their bank account through UPI without manually approving each transaction.

Is UPI AutoPay safe?

Yes. UPI AutoPay follows the security guidelines of the RBI and NPCI. Users have full control over their mandates and can view, update, pause, or cancel them using their UPI app.

Is there a limit on UPI AutoPay transactions?

Yes. UPI AutoPay transactions are subject to the limits and guidelines prescribed by NPCI and the participating banks.

Can I modify a UPI AutoPay mandate?

Yes. Many UPI apps allow users to modify the payment amount, frequency, or duration before the next scheduled payment, subject to the app’s features.

Can I pause the UPI AutoPay mandate?

Yes, you can pause the UPI AutoPay mandate. To pause, open your UPI App, go to Profile/Settings, select AutoPay (or Mandates), find the active mandate in the Live tab, tap Pause AutoPay, set an end date, and enter your UPI PIN to confirm.

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