UPI AutoPay by Cashfree Payments is a simple and secure way for businesses to automate recurring payment collection — including loan repayments, tuition fees, SIP investments, OTT subscriptions, insurance premiums, and rentals — via any UPI app. It offers a 35% higher success rate compared to other recurring payment methods, supports 50+ UPI apps, and completes mandate setup in 10 seconds. All transactions are RBI-compliant and fully interoperable across acquirers.
Automate recurring transactions up to ₹15,000 (up to ₹1 lakh for select categories) for your customers via any UPI app. Leverage 500 Million+ UPI users to grow revenue for your business.
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Trusted by: Faircent · Talentedge · BankBazaar · Jar · Branch · Finbox
| Feature | Detail |
|---|---|
| Supported UPI Apps | 50+ UPI apps |
| Success Rate | 35% higher than other recurring payment methods |
| Checkout Speed | 10 seconds |
| Transaction Limit | Up to ₹15,000 per transaction; up to ₹1 lakh for mutual funds, insurance premiums, and credit card bills (per RBI circular, December 14, 2023) |
| Processing Time | Real-time authorisation and charges |
| Retry Mechanism | 9 automatic debit retries with 95% success rate |
UPI is the dominant payment mode in India. In FY2026, UPI processed over 24,162 crore transactions, with monthly volumes regularly exceeding 20 billion. UPI AutoPay leverages this infrastructure to help businesses scale recurring payment collection seamlessly.
UPI AutoPay by Cashfree Payments automates recurring payments to offer customers a seamless subscription experience — combining the highest success rates, easy integration, and the reach of UPI's 500M+ user base.
Supported Apps: PhonePe · Google Pay · Paytm · BHIM · Amazon Pay · and 45+ more
Avoid downtime and acquirer lock-in by migrating or importing UPI mandates anytime, ensuring uninterrupted collections. Stay future-proof with mandates not tied to one acquirer — import or migrate mandates with ease whenever needed.
With the built-in payment scheduler, set daily, weekly, fortnightly, monthly, or annual payments, or create customised payment cycles with fixed amounts.
Billing based on usage? Raise payment requests for the actual amount as per usage and automatically collect payments under the mandated amount limit.
Minimise customer drop-offs with UPI AutoPay, which offers a 35% higher success rate compared to other recurring payment methods. With 9 automatic debit retries, 95% of all debits go through successfully.
All UPI authentications initiated and auto-debits processed through Cashfree Payments are fully compliant with the latest RBI and NPCI guidelines. Cashfree is an RBI-authorised Payment Aggregator (CoA No. 266/2025), PCI DSS certified, and ISO 27001 certified.
Collect loan repayments easily. Set auto-reminders for customers and borrowers with non-revocable flags so they don't default on their dues.
Create customised 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-semester or half-yearly.
Enable customers to make SIP payments on time or auto-recharge their trading account once the balance 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 customised subscription plans 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 customers to opt for auto-debit and collect all 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.
Customise the 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.
Authorise 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:
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.
Once you create a subscription plan and allow customers to subscribe, an authorisation link is sent to the customer. There are three flows for mandate creation:
Contact Cashfree Sales for custom pricing based on your volume and use case.
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For NBFCs, digital lending apps, and fintech lenders, failed EMI collections directly affect revenue and portfolio health. UPI AutoPay by Cashfree Payments is built for this problem — giving lenders a reliable, RBI-compliant way to automate loan repayment collection across the full tenure of a loan, from disbursement to closure.
At the point of loan disbursal, lenders can trigger mandate creation immediately. The borrower completes UPI mandate setup in under 10 seconds from any of 50+ supported UPI apps. The mandate covers the full repayment schedule, with debits triggered automatically on each due date without any manual intervention required from the lender or borrower.
Non-revocable mandates prevent borrowers from cancelling the auto-debit without the lender's prior consent — available specifically for loan and EMI collection use cases in the lending industry.
Third-party validation ensures mandates are authorised only on KYC-verified bank accounts, reducing failures caused by dormant or unverified accounts — a common issue in new-to-credit lending portfolios.
9 automatic debit retries cover the majority of transient failures, with 95% of debits going through successfully across retry attempts.
Webhook-based failure alerts notify lenders in real time when a debit fails after all retries, so collections teams can act before an account moves further into delinquency.
Smart pre-scheduling allows lenders to schedule charges up to 14 days ahead of the debit date, giving borrowers advance notice and improving first-attempt success rates.
For large lending portfolios, bulk subscription management via the Cashfree dashboard supports up to 10,000 subscriptions created or updated in a single batch operation — practical for NBFCs running high-volume disbursement cycles.
Cashfree Payments is an RBI-authorised Payment Aggregator (CoA No. 266/2025), PCI DSS certified, and ISO 27001 certified, meeting the compliance requirements that regulated lending businesses expect from a payment infrastructure partner.
Insurance premium collection has one of the highest stakes for mandate reliability — a lapsed payment can trigger policy cancellation, creating customer service escalations and revenue recovery costs. UPI AutoPay by Cashfree Payments addresses this by automating premium collection from the point of policy onboarding, so renewals happen without any customer action after the initial mandate setup.
The most significant advantage for insurers is the enhanced transaction limit. As per the RBI circular dated December 14, 2023, insurance premium payments are eligible for mandates up to ₹1,00,000 per transaction without Additional Factor of Authentication (AFA). This means customers do not need to re-authenticate each debit, reducing friction at every renewal cycle and improving overall collection rates.
Mandate at onboarding — set up the auto-debit mandate when the policy is issued, before the first premium is due. No chasing customers at renewal time.
AFA-free debits up to ₹1 lakh — compliant with the December 2023 RBI circular, removing the authentication step that causes drop-off on recurring premium debits.
Support for all standard premium cycles — Cashfree's automated payment scheduler supports annual, half-yearly, quarterly, and monthly frequencies, with fixed or variable amounts to accommodate different policy structures.
35% higher success rate compared to other recurring payment methods, translating directly into fewer lapsed policies and lower collections overhead.
Real-time debit processing — premiums are collected and settled on schedule, with no batch delays.
Businesses processing insurance premiums via Cashfree benefit from infrastructure that handles large transaction volumes reliably. Cashfree Payments processes over $80 billion in annual transactions across more than a million businesses in India and globally, with systems built to handle peak volumes without friction.
For product and engineering teams building lending, insurance, or subscription apps, the speed and reliability of the mandate integration directly affects go-live timelines and user experience. Cashfree Payments provides native SDKs for Android and iOS that handle the complete UPI AutoPay mandate flow — from mandate creation to authorisation confirmation — within the merchant's own app.
What the subscription SDKs support:
CFSubscriptionResponseCallback on Android and equivalent iOS interfacesIntegration overview for Android:
The Cashfree Android Subscription SDK is available via Maven. After creating a subscription from the backend (using Cashfree's server-side SDKs with the secret key), the app creates a CFSubscriptionSession object with the subscription_session_id and subscription_id, then initiates the mandate flow. The SDK handles all UPI app interactions and returns a callback to onSubscriptionVerify or onSubscriptionFailure once the flow completes.
Integration overview for iOS:
The iOS integration follows the same backend-first pattern. Subscription creation happens server-side, and the iOS SDK handles the mandate authorisation flow natively, supporting all three collection flows with real-time callbacks.
The SDKs abstract the NPCI and acquirer-level complexity, so teams integrate once and get access to 50+ UPI apps without managing individual app compatibility. Cashfree's developer documentation, integration guides, and Cashfree DevStudio — an interactive testing environment — are available to help teams get from sandbox to production quickly.
Full documentation is available at cashfree.com/docs/payments/subscription. For integration questions, Cashfree's developer community is active on Discord.
Setting up automated EMI collection using UPI mandates involves a clear set of steps. Here is how the end-to-end flow works with Cashfree Payments, from loan disbursement to final repayment.
Step 1: Create a subscription plan
Before triggering mandate creation, set up a subscription plan on Cashfree that defines the EMI amount, frequency (typically monthly), and tenure. This is done via the Cashfree dashboard or the Plans API. For large portfolios, up to 10,000 subscriptions can be created in a single batch operation from the dashboard.
Step 2: Trigger mandate creation at disbursement
At the point of loan disbursement, trigger the mandate authorisation flow for the borrower. An authorisation link is sent, and the borrower completes mandate setup in their UPI app in under 10 seconds. Cashfree supports Collect, Intent, and QR flows — the appropriate flow can be selected based on the lender's product experience.
Step 3: Pre-schedule debits across the loan tenure
Once the mandate is active, Cashfree's automated payment scheduler handles each EMI debit across the full repayment calendar. The scheduler supports fixed amounts on defined dates — standard for most EMI structures. For variable EMI scenarios (step-up EMIs or pre-payment adjustments), the flexible debit amount feature allows payment requests for the actual amount due, as long as it falls within the mandated limit.
Step 4: Automated collection on each due date
On each due date, Cashfree processes the auto-debit in real time. If the first attempt fails, the system automatically retries up to 9 times, with 95% of debits succeeding across retries. For any debit that fails after all retries, Cashfree sends a webhook notification so the lender's collections system can flag the account for follow-up.
Step 5: Mandate closure on loan completion
When the loan is fully repaid, the subscription can be cancelled via the Cashfree dashboard or API, closing the mandate cleanly on the borrower's UPI app.
Cashfree Payments enables same-day onboarding for new merchants, so lenders building new products or migrating from another provider can go live quickly. The platform is trusted by businesses across the lending segment including Faircent, Jar, Branch, and Finbox for recurring collection at scale.
UPI AutoPay is a recurring payment feature built on NPCI's UPI infrastructure that allows businesses to set up automated debit mandates with customer consent. Once a mandate is authorised, payments are auto-debited on the scheduled date without any manual intervention. Cashfree's UPI AutoPay supports 50+ UPI apps, achieves a 35% higher success rate than other recurring payment methods, and completes mandate setup in 10 seconds.
The maximum transaction limit per debit is ₹15,000 for most categories. As per the RBI circular dated December 14, 2023, an enhanced limit of up to ₹1,00,000 is available for the following categories without requiring Additional Factor of Authentication (AFA):
Cashfree UPI AutoPay supports 50+ UPI apps, including PhonePe, Google Pay, Paytm, BHIM, and Amazon Pay. The full list of supported UPI apps and banks is available at npci.org.in.
After a customer subscribes to a plan, an authorisation link is sent to them. The mandate can be created via three flows: Collect Flow (customer enters UPI ID), Intent Flow (UPI app opens automatically), or QR Flow (customer scans a QR code). In all cases, the customer reviews the mandate summary and approves it in their UPI app. The entire process takes approximately 10 seconds.
Cashfree automatically attempts 9 debit retries, within which 95% of all debits go through successfully. If the transaction still fails after all retries, it is marked unsuccessful and the merchant receives a webhook with the reason for failure. Persistent failures are typically due to insufficient funds or an issue with the customer's bank account. Merchants should consult the customer before attempting further retries.
Yes, a non-revocable mandate can be set for customers, preventing cancellation without the merchant's prior consent. However, this option is only applicable for loan and EMI collection in the lending industry.
Both mandate authorisation and subsequent auto-debits are processed in real time.
To create a plan, refer to the API documentation. Cashfree also supports bulk subscription creation — up to 10,000 subscriptions can be created or updated in one go directly from the dashboard.
Yes. Subscriptions can be cancelled via the Cashfree dashboard or API. Refer to the API documentation for details.
Yes. Cashfree's Virtual UPI ID feature allows businesses to create unique virtual UPI IDs for each payer, enabling automatic reconciliation of all UPI payments received from different customers — ideal for B2B recurring billing scenarios.
UPI AutoPay has several advantages over NACH for most use cases: mandate setup takes 10 seconds vs 3–5 days for NACH, no physical paperwork is required, it works 24×7 including bank holidays, and success rates are 35% higher than other recurring payment methods. NACH remains relevant for higher-value mandates beyond ₹15,000 (outside the RBI-enhanced categories) or where UPI is not available.
Yes. Cashfree's UPI AutoPay includes specific features for lending use cases: non-revocable mandates that prevent cancellation without the lender's consent, third-party validation on KYC-approved bank accounts to reduce debit failures, and 9 automatic retries with a 95% success rate. Mandates can be set up at disbursement in under 10 seconds. Cashfree sends webhook notifications immediately when a debit fails after all retries, enabling prompt collections follow-up. The platform supports bulk subscription creation of up to 10,000 subscriptions in one operation, making it practical for large lending portfolios.
Yes. Insurance premiums fall under the RBI-enhanced category as per the circular dated December 14, 2023 — making mandates up to ₹1,00,000 eligible without Additional Factor of Authentication. This significantly reduces friction on recurring premium debits. Cashfree's UPI AutoPay supports all standard premium frequencies (monthly, quarterly, half-yearly, annual), processes debits in real time, and achieves a 35% higher success rate compared to other recurring payment methods. Combined with 9 automatic retries and a 95% retry success rate, it helps insurers reduce policy lapse rates caused by failed collections.
Yes. Cashfree provides native SDKs for Android and iOS that support the complete UPI AutoPay mandate authorisation flow, including Collect, Intent, and QR-based mandate creation. Cross-platform SDKs for React Native, Flutter, and Cordova are also available. All SDKs include real-time status callbacks, webhook support for payment events, and a sandbox environment for pre-production testing. Subscription creation is handled server-side via Cashfree's backend SDKs before the mobile SDK initiates the mandate flow. Full documentation is available at cashfree.com/docs/payments/subscription.
With Cashfree's UPI AutoPay, a mandate is created at loan disbursement and covers the full repayment schedule. Debits are pre-scheduled and processed in real time on each due date without manual intervention. Failed debits are retried up to 9 times, with 95% succeeding across retries. Cashfree sends webhook alerts on any persistent debit failure for collections follow-up. Non-revocable mandates prevent borrowers from cancelling without the lender's consent. Mandates can be cancelled via the Cashfree dashboard or API once the loan is fully repaid. Bulk subscription creation supports up to 10,000 subscriptions in one operation for high-volume disbursement portfolios.
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