Enter UPI Autopay for Recurring Payments—a game-changer for businesses and users alike.
If you’re a merchant losing revenue due to missed payments or a consumer tired of late fees, this article will guide you through everything you need to know about UPI Autopay, its benefits, implementation strategies, and how Paycorp.io is leading the revolution.
Looking to eliminate manual follow-ups and boost on-time collections? Start using UPI Autopay today.
The Problem: Friction in Recurring Payment Collections
Recurring payments are the financial lifeline for many industries—think SaaS platforms, insurance companies, gym memberships, and OTT services. Yet, businesses consistently face critical challenges:
Payment failures due to insufficient balance
Manual payment reminders and follow-ups
Customer drop-offs due to complex payment flows
High transaction fees on credit/debit card-based mandates
From the user’s side, the experience isn’t ideal either. Customers complain about:
Remembering due dates for every bill
Hassles of entering card details each month
Payment interruptions due to expired cards or transaction limits
The result? Lost revenue, poor customer experience, and operational inefficiencies.
The Solution: UPI Autopay for Recurring Payments
With over 300 million users, UPI (Unified Payments Interface) has revolutionized digital payments in India. But it’s UPI Autopay, introduced by the National Payments Corporation of India (NPCI), that’s set to redefine recurring payments.
What is UPI Autopay?
UPI Autopay for recurring payments allows users to authorize automatic deductions directly from their bank accounts via UPI apps like Google Pay, PhonePe, and Paytm. Whether it's a monthly Netflix subscription or a mutual fund SIP, UPI Autopay ensures timely and secure transactions—without user intervention after initial approval.
How It Works
The user selects a plan or subscription on the merchant’s website/app.
At checkout, they choose the “Pay with UPI Autopay” option.
They receive a mandate request in their UPI app.
Once accepted, the UPI app handles recurring deductions as per the schedule (daily, weekly, monthly, etc.).
✅ No need for debit/credit cards
✅ Mandate amounts up to ₹15,000/month
✅ Instant setup, zero paperwork
Want to integrate UPI Autopay into your payment flow? Contact Paycorp.io now for a plug-and-play solution.
Why Businesses Are Embracing UPI Autopay
Let’s dive into the top benefits for businesses adopting UPI Autopay for recurring payments:
1. Increased Revenue with Fewer Drop-Offs
With UPI Autopay, payments are automatically deducted. This reduces churn caused by failed or missed payments. Businesses have reported a 20-30% increase in payment success rates after switching to UPI mandates.
2. Lower Transaction Costs
Compared to credit card payments, UPI Autopay incurs minimal MDR (Merchant Discount Rate), significantly lowering operational costs—especially for businesses with a high volume of recurring transactions.
3. Seamless User Experience
No more chasing customers for dues. No expired card issues. Just smooth, consistent cash flow.
4. Real-Time Mandate Management
With platforms like Paycorp.io, businesses can:
View mandate statuses in real-time
Cancel or modify mandates
Trigger retry logic for failed transactions
This transparency and control are crucial for scaling operations.
Use Cases Where UPI Autopay Shines
Here are some industries where UPI Autopay for recurring payments is delivering exceptional results:
OTT and Media Platforms: Monthly and annual content subscriptions
SaaS Companies: Software license renewals and user-based billing
NBFCs and Fintechs: EMI collections and SIPs
Utility Providers: Electricity, broadband, DTH bills
Health and Wellness: Gym memberships, wellness apps
Don't see your industry listed? Explore how Paycorp.io can tailor UPI Autopay for your business.
What Makes Paycorp.io the Best Choice for UPI Autopay?
Certified UPI Autopay Partner
Paycorp.io is an NPCI-certified partner that provides secure and scalable UPI Autopay integration for businesses across industries.
Developer-Friendly APIs
Get started quickly with Paycorp’s robust APIs and SDKs. Easy documentation and sandbox environments ensure a smooth go-live process.
End-to-End Support
From mandate creation to real-time tracking and dispute resolution, Paycorp.io offers full-lifecycle mandate management—no third-party dependencies.
Compliant & Secure
With PCI DSS compliance, end-to-end encryption, and two-factor UPI authentication, your payments are in safe hands.
Join hundreds of businesses streamlining their collections. Schedule a free demo today.
Real-World Impact: How UPI Autopay is Boosting Customer Retention
Businesses using UPI Autopay have reported:
50% reduction in involuntary churn
25% drop in customer service queries related to payments
2x increase in renewal rates
When customers don’t have to think about payments, they stay subscribed longer.
And with Paycorp.io’s real-time alerts, dashboard analytics, and reporting tools, merchants can optimize their collection strategies like never before.
How to Integrate UPI Autopay with Paycorp.io
Here’s a step-by-step guide to integrating UPI Autopay into your product or platform with Paycorp.io:
Sign up at Paycorp.io
Access the developer documentation and get your API keys
Configure mandate duration, frequency, and amount
Test the flow in sandbox mode
Go live with 24x7 support from Paycorp’s team
It’s that simple. Whether you're a startup or enterprise, the platform scales to match your needs.
FAQs: What You Need to Know About UPI Autopay
Q1. What is the mandate limit on UPI Autopay?
Currently, UPI mandates support recurring payments of up to ₹15,000 per transaction without additional OTP.
Q2. Can users cancel a UPI Autopay mandate?
Yes. Customers can view, modify, or cancel mandates anytime from their UPI apps under the ‘Mandates’ section.
Q3. Is UPI Autopay secure?
Absolutely. All transactions are authorized through two-factor authentication via UPI PIN, and mandates can’t be initiated without customer approval.
Final Thoughts: Time to Future-Proof Your Payment System
The future of digital payments is automated, user-friendly, and secure—and UPI Autopay for recurring payments is leading the charge.
If you’re a business looking to:
Improve cash flow
Reduce manual processes
Enhance customer experience
Cut down on transaction costs
UPI Autopay, powered by Paycorp.io, is your answer.
Don't wait to modernize your recurring payment strategy Visit Paycorp.io to get started today.
