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UPI AUTOPAY

Collect recurring payments

  at scale easily with 

UPI AutoPay

Automate 

recurring transactions

up to ₹15,000 for your customers via any UPI app. Leverage 400 Million+ UPI users to grow revenue for your business.
  • 20+ UPI apps supported

  • 35% higher success rate

  • 10 seconds checkout

View detailed documentation here

Taking your subscription business to the next level? Do it with

UPI AutoPay

Cashfree's

UPI AutoPay

automates recurring payments to offer your customers a seamless subscription experience. Highest success rates and ease of integration combined with the power of UPI, Cashfree's

UPI AutoPay

is helping many businesses launch and scale subscriptions in India.
Our customers are winning with Cashfree's

UPI AutoPay

FaircentTalentedgeBankbazarJarBranchFinbox
UPI 2.0
With power of UPI, growing subscription business has never been easier

UPI is the most preferred payment mode in India. In August, 2023, Indians did record high 1024 crore UPI transactions.


UPI AutoPay by Cashfree Payments is a simple and secure way for you to

accept recurring payments

like loan repayments, tuition or course fees, rentals, etc.

Supported Apps:

phonepaygpaypaytmBMIamazon
10 seconds customer onboarding
10 seconds customer onboarding
Subscribers can now authorize future payments up to ₹15,000 by completing a one-time OTP authentication on any UPI app within seconds
Automated payment scheduler
Automated payment scheduler
With the built-in payment scheduler, you can set weekly, fortnightly, monthly, or annual payments, or create customized payment cycles with fixed amounts
Flexible debit amount
Flexible debit amount
Billing based on usage? Raise payment requests for the actual amount as per usage and

automatically collect payments

under the mandated amount limit
High success rate
High success rate
Minimize customer drop-offs with

UPI AutoPay

, which offers a 35% higher success rate compared to other 

recurring payment

methods
RBI seal

Security ensured, stay RBI compliant

At Cashfree Payments we ensure that all the UPI authentications initiated and auto-debits processed are as per latest government guidelines.

Businesses growing 4X using

UPI AutoPay

NBFCs and Digital lending apps

NBFCs and Digital lending apps

Collect loan repayments easily. Set auto-reminders for customers and borrowers with non-revocable flags so that they don't default on their dues

Edtech

Edtech

Create customized course plans, increase learner enrolments, and help your team make the best of the courses you offer

Educational institutions

Educational institutions

Give your students the flexibility to pay tuition or course fees tri-mester/ half-yearly

Financial Services

Financial Services

Enable your customers to make SIP payments in time or auto-recharge their trading account once the amount goes below a set limit

Rental platforms

Rental platforms

Increase customer retention and grow average user value by offering custom subscription plans that meet customer requirements and reduce user acquisition cost

OTT platforms

OTT platforms

Create a customized subscription plan for your subscribers and provide them with uninterrupted services

Content subscription and publishing

Content subscription and publishing

Launch your media subscription business and offer different renewal cycles to attract maximum recurring revenue

Bill Payments

Bill Payments

Allow your customers to opt for auto debit and collect all your recurring bill payments using UPI AutoPay

New Features Added
Do this and much more with UPI

AutoPay

Offer most effortless checkout experience to your subscribers with superior automation, easy-to-integrate APIs and trust of Cashfree Payments

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

We are now live with

Autopay on QR

Convert and retain from your advertising spends like never before:

  • Acquire customers easily with a one-step QR scan - no app downloads or redirections

  • Connected call-to-action for high ROI

  • Clear attribution to your campaigns to help you make the most of your ad spends

Take the growth of your subscriptions business to the next level.

pricing

Convert one-time customers into paying subscribers with UPI

AutoPay

  • Paperless and same day onboarding

  • Comprehensive Dashboard

  • Developer friendly integration kits

  • E-commerce Plugins

  • Best in class support

  • Easy Settlement

For questions around implementation, customised pricing and more, reach out to us here .

Become a part of the most advanced subscription ecosystem in India
Enable your customers to handle recurring transactions with ease using the widest range of recurring payment stacks, in addition to UPI

AutoPay

E-Mandate or Nach Mandate

E-Mandate or Nach Mandate

Customer can activate one-time e-Mandate by entering debit card or net banking account details and authorize auto-debit up to ₹50 lakh across 50+ banks in India.

Physical Mandate

Physical Mandate

Auto-debit is possible to configure for customers who do not have access to net banking or a debit card through one-time physical signature approval.

SI on cards

SI on cards

Customers can enter credit or debit card details, give standing instruction (SI) for future automated payments. Businesses can collect recurring payments of up to ₹15,000/- without 2FA / OTPs.

Frequently Asked Questions

To create a plan, refer to these steps.

Once you create a subscription plan, an authorization link is sent to your customer. Here is how a customer can create a UPI mandate:

  1. Intent Flow
    1. The customer enters their VPA/UPI ID and clicks on Proceed
    2. A mandate summary is shown to your customer
    3. The customer opens their app and approves the mandate
    4. After the mandate is approved by the customer in their UPI App, a final success screen is displayed along with the Mandate summary
  2. Collect Flow
    1. The customer selects their UPI PSP app of choice
    2. Chosen UPI PSP app opens with a mandate summary
    3. Customer approves the mandate
    4. Customer is returned to the checkout where the Mandate summary is displayed

Please find the list of supported UPI apps and banks here supported 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 -

  • Mutual fund subscriptions
  • Insurance premiums
  • Credit card bills
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 our API docs 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.

Have more questions?

Visit our support page
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Ready to get started?

Collect customer payments, make payouts, manage international payments and so much more! Create your account or contact our experts to explore custom solutions.

  • Easy onboarding

  • Dedicated account manager

  • API access

Create Account