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UPI AUTOPAY
Collect recurring payments
at scale easily withUPI AutoPay
Automaterecurring 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
UPI AutoPay
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'sUPI AutoPay
is helping many businesses launch and scale subscriptions in India.UPI AutoPay
UPI is the most preferred payment mode in India. In August, 2023, Indians did record high 1024 crore UPI transactions.
accept recurring payments
like loan repayments, tuition or course fees, rentals, etc.Supported Apps:
automatically collect payments
under the mandated amount limit
UPI AutoPay
, which offers a 35% higher success rate compared to otherrecurring payment
methods
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.
UPI AutoPay
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
Create customized course plans, increase learner enrolments, and help your team make the best of the courses you offer
Educational institutions
Give your students the flexibility to pay tuition or course fees tri-mester/ half-yearly
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
Increase customer retention and grow average user value by offering custom subscription plans that meet customer requirements and reduce user acquisition cost
OTT platforms
Create a customized subscription plan for your subscribers and provide them with uninterrupted services
Content subscription and publishing
Launch your media subscription business and offer different renewal cycles to attract maximum recurring revenue
Bill Payments
Allow your customers to opt for auto debit and collect all your recurring bill payments using UPI AutoPay
AutoPay
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 UPIAutoPay
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 .
AutoPay
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
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
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.
Have more questions?
Visit our support pageTo create a plan, refer to these steps.
Once you have created a subscription plan and allow customers to subscribe to that plan, an authorization link is sent to your customer. Here is how a customer can create a UPI mandate and subscribe to your plan -
- Collect Flow
- The customer enters their VPA/UPI ID and clicks on Proceed
- A mandate summary is shown to your customer
- The customer opens their app and approves the mandate
- After the mandate is approved by the customer in their UPI App, a final success screen is displayed along with the Mandate summary
- Intent Flow
- The customer selects their UPI PSP app of choice
- Chosen UPI PSP app opens with a mandate summary
- Customer approves the mandate
- Customer is returned to the checkout where the Mandate summary is displayed
- QR Flow
- Customer scans the QR code shown on the checkout page via PSP app of choice
- A mandate summary is shown to your customer
- Customer approves the mandate
- After the mandate is approved by the customer in their UPI App, a final success screen is displayed along with the Mandate summary
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
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
Auto Collect
Collect and reconcile IMPS/NEFT/UPI payments using unique virtual accounts and UPI IDs.
Learn MoreReady 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