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UPI Autopay Explained: India’s New Age Subscription Payment System
The Indian payments ecosystem has rapidly evolved, and the introduction of UPI Autopay is revolutionizing how users handle recurring payments. Whether it’s OTT subscriptions, electricity bills, SIPs, or EMIs, UPI Autopay enables automated payments straight from your UPI-linked account—without credit cards or manual transactions.
What is UPI Autopay?
Launched by NPCI (National Payments Corporation of India), UPI Autopay allows users to set up e-mandates for recurring transactions via UPI apps like Google Pay, PhonePe, Paytm, and BHIM. Once authorized, payments are automatically deducted as per the schedule.
Top Use Cases of UPI Autopay
- OTT Platforms (Netflix, Zee5, SonyLiv)
- Utility Bills (Electricity, Water, Gas)
- SIPs and Recurring Investments
- Insurance Premiums
- Loan EMI Payments
- App & Software Subscriptions (Spotify, Canva, etc.)
UPI Autopay vs Traditional Auto Debit
| Feature | UPI Autopay | Bank ECS/Auto-Debit |
|---|---|---|
| Setup Time | Instant | 1–3 days |
| Card/Netbanking Required | No | Yes |
| Cost to User | Zero | Sometimes ₹10–₹20/transaction |
| Control & Flexibility | High (via UPI apps) | Moderate |
Best UPI Apps with Autopay Support
| App | Autopay Setup | Supports Which Use Cases | Rating (Play Store) |
|---|---|---|---|
| Google Pay | Within app settings | All subscription & bill types | 4.3 |
| PhonePe | Under 'Autopay' tab | OTT, Insurance, Utilities | 4.5 |
| Paytm | In UPI mandate section | EMI, Bills, Subscriptions | 4.4 |
| BHIM | NPCI-enabled settings | Utility Bills, Loans | 4.1 |
Security & Cancellation
All UPI Autopay mandates are fully user-controlled. You can:
- Pause or cancel any autopay from your app anytime
- Receive alerts before each deduction
- Set limits to prevent overcharges
Conclusion
UPI Autopay is a game-changer for hassle-free, timely, and secure recurring payments in India. With increasing adoption among utility providers and subscription apps, it’s time to make your finances more automated and organized in 2025.
Ready to activate UPI Autopay? Open your favorite UPI app and explore its Autopay section today!
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