UPI Autopay Setup & Usage

How Does UPI AutoPay Work?

Most of the UPI applications offer the user a ‘Mandate’ option. Using this option, the user can create, approve, modify, pause, or revoke the auto-debit mandate. The user needs to provide a one-time approval to the merchants for whom they want to automate payments on the platform, to make use of this feature. The user also needs to fill in other details such as payment amount, merchant details, subscription start date, payment frequency, etc.  

Make a note of the below mentioned points while option for UPI AutoPay: 

1. Choose a subscription plan 
2. Authenticate a transaction using a UPI PIN after checking all the details. (This is a one-time activity) 

1. Pause or revoke the mandates at any point in time if required 
2. Set mandates for recurring payments of weekly, monthly, quarterly, half-yearly, yearly or as-presented frequency. 

How to Set Up UPI AutoPay on Google Pay, PhonePe, and Paytm

Setting up UPI AutoPay on popular apps like Google Pay, PhonePe, and Paytm is simple. Here’s a step-by-step process:

Google Pay

• Open Google Pay and tap on the profile icon.
• Select Autopay under the “Bills & Subscriptions” section.
• Choose a service (e.g., OTT, utility) and enter mandate details.
• Authenticate with UPI PIN to approve the AutoPay.

PhonePe

• Launch PhonePe and go to the 'My Money' section.
• Under Payment Settings, choose UPI AutoPay.
• Select a subscription or biller and fill in frequency, amount, and validity.
• Confirm using your UPI PIN.

Paytm

• Open the Paytm app and navigate to UPI & Payments.
• Tap on AutoPay Mandates.
• Choose the desired service or merchant.
• Enter amount, start date, and validity period.
• Authenticate with UPI PIN to complete the setup.

UPI AutoPay Mandate: What It Means and How It Works

A UPI AutoPay mandate is a pre-approved authorization that allows users to automate recurring payments through UPI. It’s designed for subscriptions, EMIs, and utility bills.

1. Mandate Includes:Frequency (daily, weekly, monthly, etc.) Amount (up toRs.1,00,0000 per transaction) Validity period Merchant name
   1. Frequency (daily, weekly, monthly, etc.)
   2. Amount (up to Rs.1,00,0000 per transaction)
   3. Validity period
   4. Merchant name
2. How It Works:User approves the mandate with UPI PIN. Payment is automatically debited as per the set schedule. No further user action is needed unless modification is required.
   1. User approves the mandate with UPI PIN.
   2. Payment is automatically debited as per the set schedule.
   3. No further user action is needed unless modification is required.

Top Use Cases of UPI AutoPay for Subscriptions and Bills

UPI AutoPay is ideal for recurring transactions. Here are the most popular use cases:

1. OTT Subscriptions: Netflix, Hotstar, Amazon Prime
2. Music & Podcast Services: Spotify, JioSaavn, Gaana
3. Utility Bills: Electricity, Water, LPG
4. Insurance Premiums: Monthly or quarterly policy payments
5. Loan EMIs: Especially for small-ticket EMIs or Buy Now Pay Later (BNPL) schemes
6. Donations or Mutual Fund SIPs: For regular contributions

Benefits of UPI AutoPay

The benefits of UPI AutoPay are as follows: 

1. You can set recurring payments of the amount Rs.1 to Rs.1,00,0000 using UPI AutoPay 

1. UPI AutpPay is a safe and secure way of initiating recurring payments 
2. Setting up mandate on UPI AutoPay does not require any documentation or paperwork 

1. This feature enables timely payments, thus reducing the penalties and late fees 
2. You can anytime revoke/modify/pause the plan whenever required.

Steps to Cancel or Modify UPI AutoPay Mandates

Need to make changes to your AutoPay? Follow these steps:

To Cancel a Mandate:

• Open your UPI app (Google Pay, PhonePe, or Paytm).
• Go to the AutoPay section or Mandate dashboard.
• Select the active mandate.
• Click on ‘Cancel’ and confirm with your UPI PIN.

To Modify a Mandate:

• Navigate to the mandate you wish to change.
• Click ‘Modify’.
• Change amount, frequency, or validity.
• Re-authenticate using your UPI PIN to save changes.

Note: Not all parameters may be editable; in some cases, you may need to cancel and set up a new mandate.

Security Measures in UPI AutoPay You Should Know

Security is a top priority in the UPI AutoPay ecosystem. Key measures include:

1. UPI PIN Authentication: Mandates can only be approved using a valid UPI PIN.
2. Bank-Level Encryption: All transaction data is encrypted end-to-end.
3. Mandate Visibility: Users can view, cancel, or modify mandates anytime.
4. Notifications & Alerts: Real-time SMS or in-app alerts for every AutoPay debit.
5. Revocation Control: Users can instantly revoke access if suspicious activity is noticed.

These features ensure that users remain in control while enjoying a seamless payment experience.