UPI AutoPay

Also called E-Mandate, UPI Mandate, and Recurring Payments

A UPI feature that lets a customer approve a recurring payment once, with their UPI PIN, after which the business can debit up to the approved amount on schedule. Subscription apps and software businesses in India widely use it to collect renewals.

Why it matters

Recurring billing in India runs on e-mandates under RBI rules: each debit needs a notice to the customer at least 24 hours ahead, and debits above ₹15,000 (₹1 lakh for insurance, mutual funds and credit card bills) need the customer to authenticate again. Plan your billing flow, pricing and failed-payment handling around those limits.

For example

A fitness app moves monthly members to UPI AutoPay; each customer approves a ₹499 mandate once and is notified a day before every renewal.

Go deeper

How a UPI mandate works for recurring debits Zoho · guide A payments company's guide to how a UPI AutoPay mandate is set up, what the pre-debit notice and authentication limits are, and how customers pause or cancel one. Open zoho.com →

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