In a world where convenience is king, subscriptions are no longer just a trend they’re the new normal. From OTT platforms, digital newspapers, and cloud software to gym memberships and meal kits, subscription models are everywhere.
But there’s one challenge that continues to impact both businesses and users: smooth and consistent recurring payments.
That’s where UPI Autopay steps in offering a seamless way to automate subscriptions, reduce churn, and improve cash flow. And with Paycorp, integrating UPI Autopay into your system becomes effortless, scalable, and future-ready.
What is UPI Autopay
UPI Autopay is a feature introduced by NPCI (National Payments Corporation of India) under the UPI 2.0 framework. It allows users to automate recurring payments directly from their bank accounts using any UPI-enabled app.
With just one-time authentication, customers can approve a recurring debit request eliminating the need to remember due dates or manually initiate payments every cycle.
It supports a wide range of frequencies: daily, weekly, fortnightly, monthly, quarterly, half-yearly, and annually.
Why It’s a Game-Changer for Subscription Businesses
1. One-Click Mandate Creation
No more long forms or card details. Customers can set up recurring payments using a UPI app (Google Pay, PhonePe, Paytm, etc.) in just a few clicks. The process is smooth, fast, and mobile-first.
2. No More Failed Payments
Unlike cards that expire or get blocked, UPI Autopay is linked directly to a customer’s bank account. That means higher success rates, fewer failed transactions, and better subscriber retention.
3. Reduces Churn & Drop-offs
When payments are automatic, users don’t drop off due to missed reminders or expired cards. This means businesses enjoy steady revenue streams and better forecasting.
4. Better Customer Experience
A frictionless billing experience builds trust. With UPI Autopay, customers receive timely notifications, can view and manage mandates easily, and feel more in control of their payments.
5. Cost-Efficient for Businesses
UPI-based payments are low on MDR (Merchant Discount Rate) compared to cards. For high-volume subscription businesses, this can lead to significant savings on payment processing fees.
6. Secure & Regulated
UPI Autopay follows RBI guidelines, ensuring data privacy, transaction safety, and compliance at every step.
Who Can Benefit?
- EdTech platforms with monthly learning plans
- Media & OTT apps offering premium subscriptions
- SaaS companies charging recurring licensing fees
- Healthcare & wellness brands with monthly packages
- Fintech & NBFCs for loan EMI collections
- Ecommerce and essentials delivery services
UPI Autopay Limits: What You Need to Know
UPI Autopay is versatile, but it’s also regulated with sensible limits to ensure user safety and transaction integrity.
- ₹15,000 Limit
This is the default maximum amount for most categories, including OTT subscriptions, education, and utilities. - ₹1,00,000 Limit
Higher-value transactions like mutual fund SIPs, insurance premiums, and credit card bill payments are permitted under this expanded limit. - Beyond the Limit?
If a transaction exceeds the set category limit, users will need to authenticate the payment using their UPI PIN. - Daily Cap:
The total UPI transaction limit (including Autopay mandates) is ₹1,00,000 per day per user.
These limits ensure that while convenience is maintained, security isn’t compromised.
How Paycorp Makes It Seamless
Setting up UPI Autopay on your platform requires more than just integration—it needs intelligence, flexibility, and support. That’s where Paycorp comes in.
We’re not just a platform—we’re your recurring payment partner.
With Paycorp’s UPI Autopay solution, you get:
- Smart API Integration for mandate registration and execution
- Real-time status tracking of all mandates
- Bulk upload and onboarding support for scaling quickly
- Custom dashboards to manage and monitor payments
- Comprehensive reporting tools for internal audits
- Dedicated support from onboarding to live transactions
Whether you’re a startup or an established enterprise, our system adapts to your business model and makes recurring collections effortless.
If recurring collections are part of your business, UPI Autopay is no longer a luxury, it’s a necessity
Final Thoughts
The subscription economy runs on trust, consistency, and convenience—and UPI Autopay delivers all three.
But to truly unlock its potential, you need the right partner. Paycorp’s UPI Autopay platform is built for scale, speed, and simplicity. We help businesses reduce churn, improve payment success rates, and offer a customer experience that keeps subscribers loyal.
