Multi-Collect
Recurring Payments
Ledgers
Payment Gateway
Instant Payouts
Escrow Accounts
Settlr
KYC & Onboarding
Hyperstreams
Bytes
UIStreams
ScannerMandate Registration
The user makes a recurring payment by approving a UPI mandate via their preferred UPI app.
Table of Contents
- What is UPI Autopay?
- Methodology
- Decentro's UPI AutoPay Suite
- The Need For UPI AutoPay
- Key Features of UPI Autopay API
- How Can Your Business Leverage UPI Autopay APIs
- UPI AutoPay For Your Business - How Can Decentro Help?
- Frequently Asked Questions
What is UPI Autopay?
The UPI Autopay is a landmark initiative by NPCI that allows users to use their bank accounts to transfer funds to merchants on a recurring basis. It is an easy-to-use, secure, and reliable solution to collect all your recurring payments. UPI AutoPay or UPI Mandates allows merchants to set up a recurring monthly/weekly/daily/on-demand payment to be debited from customers via UPI mode.
This helps the merchants reduce their follow-up time with customers, and increase the conversion rate of paid customers with zero manual efforts. This benefits both, the customers and the merchants simultaneously.
With a recurring payment facility, the NPCI aims to provide a more convenient way for customers to pay for things that they use every month or on a routine basis and merchants get ensured about the credit of this payment into their accounts on a timely basis.
Decentro's UPI AutoPay Suite
Mandate Registration Flows Powered by Decentro
Intent Flow with Mandate Links
- Decentro generates dynamic deep links and common links that redirect the payer to their UPI app.
- After mandate registration (or failure), the payer is redirected to the platform's app.
Intent Flow with QR
- Decentro generates a dynamic QR code that can be displayed on an app or website.
- The payer scans the QR, selects their UPI app, and registers the mandate seamlessly.
Collect Flow
- The payer enters their VPA (UPI ID) where they want the mandate to be registered.
- They navigate to their UPI app, authorize the request, and enter their UPI PIN.
Methodology
Authentication & Approval
The user authenticates the mandate by entering their UPI PIN.
Once approved, the mandate is registered for auto-debit on the specified frequency.
Automated Payment Execution
On the due date, funds are auto-debited from the user's account without manual intervention.
Real-Time Monitoring & Notifications
Businesses receive instant status updates and reports on successful or failed transactions.
Users are notified about upcoming payments to ensure a seamless experience.
Nexus Intelligence Active
Build your UPI AutoPay flow
in record time.
Describe your use case. Nexus tells you exactly which Decentro APIs to use — and how to connect them.
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The need for UPI Autopay
High Drop-Off
Rates
Manual payment collection leads to missed deadlines and revenue loss.
Complex Payment
Infrastructure
Businesses struggle with managing multiple integrations and compliance.
Scalability
Challenges
Growing transaction volumes require a reliable and automated collection system.
Customer
Experience
Users demand hassle-free, automated payment setups without repeated approvals.
Key Features Of UPI Autopay API
Get recurring payments enabled on your platform via UPI Autopay
Custom UPI Handles
for Payees
Let users deposit recurring funds to your customized UPI handle
Flexible
Debits
Set e-Mandates for payment collection at regular/on-demand intervals
Recurring
Payments
Schedule automatic payment of all monthly bills to simplify the process
One-Time
Authentication
Automated Payments require a one-time UPI PIN for authentication purposes
Pre-Debit
Notification
The user is notified of any upcoming debit, helping in an improved success rate
Real-time
Updates
Get instant payment-related reports and insights directly on your dashboard
How Can Your Business Leverage UPI Autopay APIs
Digital Subscriptions
Digital content providers can now automate recurring payments for their customers and charge them using UPI Autopay on a weekly/monthly/on-demand.
Insurance Premiums
UPI Autopay comes very useful in Debitting monthly/yearly premiums for health, automobile, house, etc from the party.
Savings Journey
Let users contribute towards their monthly saving goals by helping them set up an Auto-debit plan that transfers money to your VA.
Investment Plans
Merchants can now charge for all the monthly installments by setting a one-time e-Mandate that is approved by the customer via one-time authentication itself.
Monthly Donations
Struggling to convert one-time donations to continuous monthly donations? UPI Autopay can be the next breakthrough. Create e-Mandates that auto-debits from donors’ accounts every month.
Recurring EMIs
Banks & other lenders can set monthly EMI auto-debits from the user’s account toward loans or other services.
UPI Autopay for Business - How Can Decentro Help
Why Decentro’s APIs for UPI Autopay?
Fully compliant UPI transaction flows as an RBI-certified payment aggregator.
Fully flexible API-based flow for registration and presentation.
The client can have their own UPI handles and even send pre-debit notifications.
Fully API-based flow compared to SDK flows provided by other players.
Callbacks for registration as well as debits and credits into the mapped VA.
Sub-merchant onboarding for all clients on their own handles.
Unlimited rollover of unused API hits with Multiple banking partners.
For Developers
Decentro's APIs & Product Guides
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Frequently Asked Questions
What is Decentro's UPI Autopay API?
Decentro's UPI Autopay API enables your application to register recurring payment mandates (daily, weekly, monthly, yearly) so payments can be collected automatically without needing manual intervention from the payer each time.