UPI AutoPay Kaise Kaam Karta Hai? (2026 Guide for EMI & Subscriptions)

 

UPI AutoPay kya hota hai?

UPI AutoPay ek recurring payment feature hai jisme UPI se subscription + EMI + bills automatic debit ho sakte hain.

Use Cases

✔ OTT subscriptions (Netflix, Prime)
✔ SaaS payments
✔ Insurance premium
✔ EMI + Buy Now Pay Later
✔ Phone recharges
✔ DTH

AutoPay Setup

✔ UPI app open
✔ AutoPay/mandates section
✔ Merchant authorize
✔ Amount set
✔ Frequency choose
✔ Auto debit enable

Mandates in UPI

✔ Daily
✔ Weekly
✔ Monthly
✔ Yearly

Stop/Modify AutoPay

✔ UPI app → Mandates → Pause/cancel

Safety & Risk

✔ Tokenization
✔ Limit enforcement
✔ Low fraud
✔ High control

FAQ

Q: UPI autopay EMI ke liye? → Yes
Q: Bounce penalty? → Merchant wise
Q: Refund? → Allowed