UPI AutoPay by Cashfree Payments is a recurring payment solution that automates transactions up to ₹15,000 for customers via any UPI app. The platform leverages 400 Million+ UPI users to help businesses grow revenue through automated subscription management.
Cashfree's UPI AutoPay automates recurring payments to offer customers a seamless subscription experience. The solution combines high success rates and ease of integration with the power of UPI, helping businesses launch and scale subscriptions in India.
UPI is the most preferred payment mode in India. In August 2023, Indians completed a record high 1024 crore UPI transactions.
UPI AutoPay by Cashfree Payments is a simple and secure way to accept recurring payments like:
Avoid downtime and acquirer lock-in by migrating or importing UPI mandates anytime, ensuring uninterrupted collections.
With the built-in payment scheduler, you can set:
Billing based on usage? Raise payment requests for the actual amount as per usage and automatically collect payments under the mandated amount limit.
Minimize customer drop-offs with UPI AutoPay, which offers a 35% higher success rate compared to other recurring payment methods.
At Cashfree Payments, all UPI authentications initiated and auto-debits processed are as per latest government guidelines, ensuring RBI compliance.
Collect loan repayments easily. Set auto-reminders for customers and borrowers with non-revocable flags so that they don't default on their dues.
Create customized course plans, increase learner enrolments, and help your team make the best of the courses you offer.
Give your students the flexibility to pay tuition or course fees tri-mester/half-yearly.
Enable your customers to make SIP payments in time or auto-recharge their trading account once the amount goes below a set limit.
Increase customer retention and grow average user value by offering custom subscription plans that meet customer requirements and reduce user acquisition cost.
Create a customized subscription plan for your subscribers and provide them with uninterrupted services.
Launch your media subscription business and offer different renewal cycles to attract maximum recurring revenue.
Allow your customers to opt for auto debit and collect all your recurring bill payments using UPI AutoPay.
Create and update up to 10,000 subscriptions in one go directly from the dashboard and sell bulk subscriptions effortlessly.
Customize checkout experience of your customers with the trust of Cashfree's UPI AutoPay in the backend using seamless APIs.
Schedule charges 14 days prior to the actual auto-debit date - for on-demand subscriptions.
Authorize UPI mandates only on KYC-approved bank accounts to avoid payment failures, especially in the case of EMI collection.
Convert and retain from your advertising spends like never before:
Power bookings, usage-based models, and uninterrupted subscriptions with advanced mandate types:
Reserve funds without upfront debits and capture full or partial amounts as needed, with instant refunds upon cancellation or expiry.
Boost conversions by reducing payment declines. Enable customers to pay for usage-based services from a single block.
Stay future-proof with mandates not tied to one acquirer. Ensure continuity by importing or migrating mandates with ease.
The maximum amount supported per transaction is ₹15,000/- without AFA (Additional Factor Authentication). With UPI pin authentication, limits can vary based on the bank account's limits.
As per new circular issued by RBI on 14th December 2023, the following categories can accept recurring payments up to INR 1 lakh without AFA:
Once you have created a subscription plan and allow customers to subscribe to that plan, an authorization link is sent to your customer. There are three flows for mandate creation:
Authorization and subsequent charges take place in real-time in the case of UPI AutoPay.
10 seconds is all it takes to effortlessly set up and complete a checkout using UPI AutoPay.
9 debit retries are automatically attempted, and within them 95% of all debits go through successfully. If the transaction still fails, it's marked unsuccessful. The merchant receives a webhook with the reason for failure. They need to consult the customer before retrying to debit.
Reasons for persistent failure despite 9 debit retries is usually due to lack of funds or some other issue pertaining to the customer's account.
You can establish a non-revocable mandate for your customers, preventing them from canceling the mandate without your prior consent. This is only applicable for loan and EMI collection in the lending industry.
You can cancel the Subscription via Dashboard or API. Refer to the API documentation for more information.
Please find the list of supported UPI apps and banks at the NPCI website (https://www.npci.org.in/what-we-do/autopay/list-of-banks-and-apps-live-on-autopay) for UPI mandate creation via UPI AutoPay.
View detailed documentation at: https://www.cashfree.com/docs/payments/subscription/introduction
To create a subscription plan, refer to these steps: https://www.cashfree.com/docs/api-reference/payments/latest/subscription/plans/create
To create a plan, refer to these steps: https://www.cashfree.com/docs/api-reference/payments/latest/subscription/plans/create
Once you have created a subscription plan and allow customers to subscribe to that plan, an authorization link is sent to your customer. Here is how a customer can create a UPI mandate and subscribe to your plan:
Collect Flow:
Intent Flow:
QR Flow:
Please find the list of supported UPI apps and banks at https://www.npci.org.in/what-we-do/autopay/list-of-banks-and-apps-live-on-autopay for UPI mandate creation via UPI AutoPay.
The maximum amount supported per transaction is ₹15,000/- without AFA and with a UPI pin authentication it can vary based on the bank accounts limits. However as per new circular issued by RBI on 14th December 2023, the following categories can accept recurring payments up to INR 1 lakh without AFA:
Authorization and subsequent charges take place in real-time in the case of UPI AutoPay.
10 seconds is all it takes to effortlessly set up and complete a checkout using UPI AutoPay.
Yes, you can establish a non-revocable mandate for your customers, preventing them from canceling the mandate without your prior consent. But this is only applicable for loan and EMI collection in the lending industry.
Yes, you can cancel the Subscription via Dashboard or API. Refer to the API documentation for more information.
9 debit retries are automatically attempted, and within them 95% of all debits go through successfully. If the transaction still fails, it's marked unsuccessful. The merchant receives a webhook with the reason for failure. They need to consult the customer before retrying to debit.
Reasons for persistent failure despite 9 debit retries is usually due to lack of funds or some other issue pertaining to the customer's account.
Auto-debit funds for periodic payments via cards, UPI and net banking.
Accept domestic and international payments for your website or app.
Split vendor commissions and manage marketplace settlements.
Collect and reconcile IMPS/NEFT/UPI payments using unique virtual accounts and UPI IDs.
Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis partners and was incubated by PayPal.
RBI Authorised Payment Aggregator License Certificate of Authorisation No. 266/2025
RBI Authorised Prepaid Payment Instrument (PPI) Provider Certificate of Authorisation No. 209/2024