UPI Autopay
Set up recurring payment on UPI to provide an efficient, cost effective and seamless user experience.
Feature Benefits
How it works
Autopay Registration
Registration involves customers providing consent to initiate recurring payments. The registration of autopay and the debit of the actual order amount occur simultaneously.
Autopay details required for registration:
Order amount - One-time payment amount (in ₹)
Max mandate amount - Max mandate amount for the future (in ₹)
Mandate Start Date - Mandate creation date
Mandate End Date - Any future date after which the mandate stops
Mandate Frequency - Daily, Weekly, Monthly, Yearly, As presented
UPI Autopay support is currently present for a selected set of UPI apps and handles
UPI Intent
User can make one-time payment & set up Autopay in one go, using UPI Intent Apps.
UPI apps available on the user’s device that support UPI Autopay will be visible on the payment page.
UPI Collect
User can also use the UPI ID (VPA) to make one-time payment & set up Autopay, in one go.
For UPI IDs that are not eligible for Autopay, a Collect request for only one-time payment can be initiated.
UPI QR
User can scan UPI QR to initiate Autopay request, provided the chosen UPI App & UPI ID supports Autopay.
If the user’s UPI app or ID doesn’t support Autopay, only the one-time payment will be initiated.
Auto-debit
Merchants are required to trigger auto-debit or recurring mandate payment requests to Juspay in order to debit the amount from customers' accounts as per the set frequency
As per RBI requirements, a Pre-Debit Notification (PDN) is required to be triggered to customers at least 24 hours before the actual debit.
Transaction Workflow
Please note
If the auto-debit amount is < Rs 15K, it is debited directly from the customer's account.
However, for auto-debit amounts > Rs 15K, the Issuing Bank sends a UPI collect request to the users for payment, serving as an additional-factor authentication (AFA) step as per compliance with NPCI guidelines
For mutual fund subscriptions, insurance premium payments and credit card bill payments, this limit has been increased to Rs 1 lakh
recently
In case the delivery of the pre-debit notification fails, the auto-debit transaction will not be initiated by Juspay
For the following gateways, Pre-debit Notification (PDN) and Auto debit transactions, both are managed by the gateway and not by Juspay
Razorpay, Gocashfree & Phonepe
Juspay Advantage
Out of the box ready integration with multiple PA/PG(s)
Retry feature for mandates to improve success rate
End-to-end handling of Pre-Debit notifications
Easy integration with minimal changes
Flow variations available
1. Required flow
In case the user has already provided the consent for setting up UPI autopay on merchant app, only autopay information is shown on the payment page.
2. Optional flow
Autopay consent can also be taken on the payment page itself from the user, if not taken before by the merchant. Hence, after landing on the payment page the user will have an option to go ahead with a autopay transaction or a one time transaction.
3. Autopay flow with Review screen
For UPI Collect flow, there is also an option to add a Autopay Review screen before the transaction is initiated. This helps the user to verify the details and reduces drop offs.
Analytics
You can use the Transaction Analytics Module in Juspay Dashboard to monitor the traffic and performance of UPI Autopay registration and recurring payment transactions.
- Have questions?
- Need help? Contact support
- LLM? Read llms.txt
