--- page_title: Description product: UPI Autopay page_source: https://juspay.io/in/docs/upi-autopay/docs/upi-autopay/description llms_txt: https://juspay.io/in/docs/llms.txt product_llms_txt: https://juspay.io/in/docs/upi-autopay/llms.txt --- # UPI Autopay Set up recurring payment on UPI to provide an efficient, cost effective and seamless user experience. ### Feature Benefits ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/upi-autopay/upi%20autopay%20benefits.png) ### **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 > **Warning** > UPI Autopay support is currently present for a [selected set of UPI apps and handles](https://www.npci.org.in/what-we-do/autopay/list-of-banks-and-apps-live-on-autopay) #### **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. [Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/upi-autopay/UPI%20Autopay%20Intent%20flow%20for%20generic%20merchant%20(1).mov) #### **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. [Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/upi-autopay/UPI%20Autopay%20collect%20flow%20generic%20merchant.mov) #### **UPI QR** * User can scan UPI QR to initiate Autopay request, provided the chosen UPI App & UPI ID supports Autopay. ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/upi-autopay/upiqr.gif) #### **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](https://www.rbi.org.in/scripts/FS_Notification.aspx?Id=11668&fn=9&Mode=0), a Pre-Debit Notification (PDN) is required to be triggered to customers at least 24 hours before the actual debit. #### **Transaction Workflow** ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/upi-autopay/UPI%20Auto-debit.png) ### Please note > **Warning** > * 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](https://www.rbi.org.in/scripts/FS_Notification.aspx?Id=12570&fn=9&Mode=0) 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. [Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/upi-autopay/UPI-Autopay_Required-Flow.mp4) **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. [Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/upi-autopay/UPI-Autopay_Optional-Flow.mp4) #### 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. [Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/upi-autopay/UPI-Autopay_Review-Flow.mp4) ### 🔘 Button: [Login to Integrate](https://portal.juspay.in/marketplace?id=953ae826-1cad-4c0d-bac0-febc5d34bf18&name=UPI%20Autopay) **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. --- ## See Also - [Overview](https://juspay.io/in/docs/upi-autopay/docs/upi-autopay/overview) - [Get Started](https://juspay.io/in/docs/upi-autopay/docs/how-to-integrate/get-started)