UPI AutoPay: Unified Payments Interface (UPI) has changed the way we make payments in India. From small shopkeepers to big online platforms, UPI has made money transfer easy, quick, and safe. One more amazing feature of UPI is UPI AutoPay. This feature helps users make automatic payments without having to do it manually every time.
What is UPI AutoPay?
UPI AutoPay is a feature that allows users to set up automatic payments for things like:
- Mobile recharge
- OTT platforms (like Netflix, Disney+)
- Electricity bills
- EMI payments
- Insurance premiums
- Subscription-based services
Once you set it up, the money will be paid automatically from your bank account on the selected date. You don’t have to remember due dates or go through the payment process again and again.
Benefits of UPI AutoPay
Here are the main reasons why UPI AutoPay is helpful:
- No Missed Payments:
With AutoPay, your payments happen on time. You won’t miss due dates, so there’s no late fee. - Time-Saving:
You don’t need to enter your UPI PIN or open apps every month. The process is automatic. - Safe and Secure:
UPI AutoPay is approved by the National Payments Corporation of India (NPCI), so your data and money are safe. - Full Control:
You can see, pause, cancel, or modify your AutoPay anytime from your UPI app. - Works with Most UPI Apps:
Apps like PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, and more support UPI AutoPay.
UPI AutoPay Overview Table
| Feature | Details |
| What it does | Makes automatic recurring payments |
| Amount range | Up to ₹5,000 (without UPI PIN) |
| Who provides it | NPCI, via UPI apps |
| Type of services | Subscriptions, bills, EMIs, recharge, etc. |
| Can it be paused? | Yes, anytime |
| Need for UPI PIN? | Only once during setup (if under ₹5,000) |
| Security | 100% secure with bank-level protection |
How To Activate UPI AutoPay
Follow these easy steps to start using UPI AutoPay:
- Open Your UPI App:
Use any UPI-supported app like PhonePe, Paytm, BHIM, Google Pay, etc. - Go to AutoPay or Mandate Section:
In most apps, you’ll find this option under ‘UPI Mandate’ or ‘AutoPay’. - Choose the Service:
Select the service or bill you want to automate – like Netflix, Jio recharge, insurance premium, etc. - Enter Details:
Fill in the payment amount, frequency (monthly, weekly, etc.), and the start date. - Approve Mandate:
Confirm the setup using your UPI PIN. Once done, your AutoPay is active. - Done!
Your payment will now happen automatically on the chosen date.
How To Manage or Cancel UPI AutoPay
If you want to stop or change your AutoPay settings, follow these steps:
- Open your UPI app
- Go to ‘Mandates’ or ‘AutoPay’ section
- Select the active mandate
- Choose to Pause, Cancel, or Modify
- Confirm the change using your UPI PIN
This gives you full control. If a subscription ends, you can cancel AutoPay anytime.
Things To Keep in Mind
- For payments above ₹5,000, you may need to enter your UPI PIN every time.
- Make sure your bank account has enough balance before the due date.
- You can set AutoPay for both fixed and variable amount payments.
- You will get alerts before and after every AutoPay transaction.
Why You Should Use UPI AutoPay
UPI AutoPay is perfect for people who want to save time and avoid late fees. It’s safe, easy to use, and gives you full control. If you have multiple bills and subscriptions, AutoPay helps you stay worry-free. You no longer need to track due dates or set reminders.
Whether it’s your daily mobile plan, monthly OTT subscription, or regular EMI – UPI AutoPay is like your personal assistant for payments.
Final Words
UPI AutoPay is a smart feature that gives you better financial control in just a few taps. It is already being used by lakhs of people in India and is growing fast. Setting it up takes just a minute, but it can save you hours every month.
