What is UPI AutoPay (UPI mandate)?

Short answer

UPI AutoPay lets a customer approve a recurring payment once with their UPI PIN. The merchant can then debit the account on schedule, for subscriptions, EMIs, SIPs or bills. The approval is called a UPI mandate. The customer can pause, change or cancel it any time from their UPI app.

Hindi mein samjhiye

UPI AutoPay mein aap ek baar UPI PIN se mandate approve karte hain. Uske baad EMI, subscription ya SIP ka paisa har baar apne aap kat jata hai. Mandate ko UPI app ke 'AutoPay' section se kabhi bhi pause ya cancel kar sakte hain.

How a UPI mandate works

The merchant sends a mandate request: amount or maximum amount, frequency, start and end date.
The customer approves it once with their UPI PIN.
Before each debit, the customer gets an advance notification.
On the due date the merchant runs the debit. Up to NPCI's per-debit limit, no PIN is needed. Above it, the customer approves each debit.

How to cancel UPI AutoPay

Open your UPI app (Google Pay, PhonePe, Paytm or your bank's app). Go to AutoPay or Mandates, pick the mandate and choose Pause or Cancel, then confirm with your UPI PIN. Cancelling the mandate does not cancel the underlying subscription or loan. Settle that with the merchant or lender separately.

UPI AutoPay vs e-NACH

Both are recurring-debit mandates. UPI AutoPay is set up in seconds inside a UPI app and suits consumer subscriptions and smaller EMIs. e-NACH is registered against the bank account through net banking or a debit card, and is the long-standing rail for loan EMIs and larger amounts. Lenders often offer both and fall back from one to the other.

Common questions

How does UPI AutoPay work?

You approve a mandate once with your UPI PIN. The merchant then debits the agreed amount on schedule, with an advance notification before each debit.

How to cancel UPI AutoPay?

In your UPI app, open AutoPay or Mandates, select the mandate, tap Cancel or Pause, and confirm with your UPI PIN.

What is the difference between UPI mandate and e-NACH?

UPI mandates are set up instantly in a UPI app. e-NACH mandates are registered with the bank through net banking or a debit card and are common for loan EMIs.

UPI mandate kya hai?

UPI mandate ek permission hai jo aap UPI PIN se dete hain, taaki merchant har mahine ya schedule par apne aap paisa kaat sake.

NACH & e-mandateNACH (National Automated Clearing House) is NPCI's system for bulk, recurring payments.VPA / UPI IDA VPA (Virtual Payment Address), also called a UPI ID, is an alias like name@bank that points to a bank account.TPAP (Third-Party Application Provider)A TPAP (Third-Party Application Provider) is a non-bank company that runs a UPI app, such as Google Pay or PhonePe.

ZyroAI products for this: UPI Stack · Loan Management System.

Written by the ZyroAI team for people building in Indian BFSI. Regulatory rules change, so for binding requirements check the current RBI, NPCI, UIDAI or relevant regulator circular. Last updated 2026-09-24.

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