UPI Autopay for Recurring Payments & Subscriptions in India

Let your customers make subscription payments directly from any UPI app. Sign up today to collect recurring payments from customers to your Open account.

The best of both worlds

The flexibility of recurring payments. The power of UPI.
Brought to you by Open.


Activate recurring payments with one-time authorization


Setup auto-debit for transactions below Rs. 2000


Collect payments anytime - daily, weekly, monthly or yearly

How UPI mandate works

When we say easy, we really mean it!


Send a recurring mandate request to your customer


Customer authorizes the request using UPI PIN


Start collecting recurring payments


How to manage your subscriptions super easily with Open’s UPI AutoPay

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Built for every business

Whether you offer rental services or wealth management, digital subscriptions, or insurance premiums, collect all recurring payments easily with UPI AutoPay.

Let us tell you why!

For Digital Subscriptions

Enables subscription-based businesses to easily collect payments from customers via UPI apps

For Wealth Management

Lets wealth management companies collect timely SIP payments directly via UPI apps with full transparency

For Rental Services

Allows rental companies to offer a seamless payment collection experience with recurring payments

The game is changing. Ready to be a part of it?

Open's online bank account comes integrated with UPI AutoPay to collect recurring payments & do banking, accounting, expense management - all in ONE place!

Got Questions?

Here is our FAQs section to help you understand all about our current account offering

NPCI introduced UPI Autopay with the launch of UPI 2.0 at Global Fintech Fest in 2020. This feature lets individuals and merchants make recurring payments with any UPI applications available to them by enabling e-mandates. Using UPI Autopay, they can pay for mobile bills, electricity bills, EMI payments, entertainment/OTT subscriptions, insurance, mutual funds, and many others, which are primarily recurring payments. Businesses and the relevant party can agree on a specific period and set up the mandate. They can set the mandate for daily, weekly, fortnightly, monthly, bi-monthly, quarterly, half-yearly, and yearly recurring payments. Each time the deduction is a fixed amount or an amount within the maximum limit set by the merchant in the mandate.

UPI is the most preferred mode of payment in India among consumers and merchants. Merchants are more likely to offer their customers the option of making flexible recurring payments through UPI for purchases made. Open offers UPI autopay, and this is how one can use it:

• Merchants can register and get associated with a payments service provider such as Open that supports UPI Autopay.

• They can then create and share mandates with customers who want to make recurring payments.

• The customer should then authorize the mandate by entering the UPI PIN (a one-time event)

• Recurring payments with UPI Autopay get activated as soon as the customer completes the authorization. For the first time, consent is mandatory for debit. From the second instance onwards, no approval is required.

• Money starts auto-debiting from customers’ accounts at the designated time. Twenty-four hours before a debit happens, the customer receives a notification about the oncoming transaction.

UPI Autopay benefits merchants and customers immensely in receiving and making repetitive payments quickly and securely. Here are some of those:

• Forget multiple authorizations once recurring payment is activated: Merchants can instantly generate mandates and send them to their customers. Customers authorize UPI Autopay requests for recurring payments, a one-time activity, as soon as they receive a mandate from the merchant. According to the mandate, the merchant receives payment from customers accounts automatically.

• Confirm mandates in real-time: To enable recurring payments, customers had to wait from hours to days when a mandate was allowed through credit cards and debits cards. However, UPI Autopay’s benefit is that mandate confirmation is instant. As soon as the merchant sends a mandate to his customer, they can authorize recurring payments right away. The interval of recurring payments in the mandate can be daily to yearly and everything in between.

• Never miss a payment: 24 hours in advance, merchants and their customers are reminded of oncoming UPI Autopay transactions. Post that, the transaction happens automatically at a designated time.

• Improved payment success rate: Pre-debit notifications from UPI Autopay benefit merchants and customers. The timely message allows customers to maintain an adequate account balance for the transaction to complete successfully.

• Low Chargebacks: Customers can always attend and make changes such as suspending or revoking the mandate. UPI Autopay notifies merchants of the changes, thus decreasing the number of chargebacks.

• Increase Customer Count: There is a sizeable Indian population that lacks access to financial instruments such as managing recurring payments. On the other hand, UPI is one of the most accessible and easy ways of making payments. UPI Autopay is fast and secure, giving the merchant and the customer control of their repetitive payments, making it even more enticing. Thus, UPI Autopay benefits merchants and customers alike.

Businesses use many different online subscriptions for ease of doing work, entertainment, and various other services. These subscriptions come with weekly, monthly, or yearly payment plans. With RBI banning the auto-debit feature from debit cards and credit cards, remembering the payment details, intervals and making the payment without fail is a hassle.

Therefore, the secure UPI Autopay system gives merchants the freedom to set up mandates for customers. It relieves them from the mental burden of worrying about every payment they are yet to receive and sending reminders to customers for payment.

Merchants can manage the mandates easily without any hassles. They can revise payment intervals and revoke the mandates set for their customers. They do not need to wait for customers to make payments as the money is auto-debited at regular intervals once the customer authorizes the mandate (a one-time event). UPI Autopay gives merchants and their customers freedom from annoying reminders and a secure platform to make recurring payments automatically.

Open Financial Technologies Pvt Ltd,

Tower 2, 3rd floor, RGA Tech Park,

Sarjapur Road, Bengaluru

Karnataka - 560035

Nodal Officer - Biju Sukumaran

3rd floor, Tower 2, RGA Tech Park,

18 Sarjapur Road, Hadosiddapura,

Doddakannelli, Carmelaram,

Bengaluru – 560 035, Karnataka.

Email-Id: [email protected]

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"Open is a technology platform - it is not a bank and does not hold or claim to hold a banking license. The business current accounts, VISA corporate cards, business loans and other similar banking services/financial services offered on the Open platform are provided by RBI-licensed banks and financial institutions. All funds in the Open powered business current account are insured as per limits prescribed under the RBI’s deposit insurance scheme. The banking services/financial services offered on the Open platform are powered by our partner banks/financial institutions and follows all security standards and legal requirements prescribed by the partner bank/financial institution, in accordance with extant RBI regulations."