💳 How to Use UPI Autopay for Managing Subscriptions
In today’s digital world, we’re all subscribed to something—Netflix, Spotify, cloud storage, OTT apps, learning platforms, and more. But keeping track of payments and renewal dates? That can get messy.
Enter UPI Autopay. A smart solution that makes subscription payments seamless, timely, and hassle-free—right from your bank account using your UPI app.
✅ What is UPI Autopay?
UPI Autopay is a feature introduced by NPCI (National Payments Corporation of India) that allows users to automatically pay for recurring services using their UPI-linked bank account. This works just like how credit card autopay works—but without needing a card.
It’s supported by apps like:
- Google Pay
- PhonePe
- Paytm
- BHIM
- Banks' own UPI apps
💡 Where Can You Use UPI Autopay?
UPI Autopay is now being used by:
- OTT platforms (Netflix, SonyLIV, etc.)
- Music apps (Spotify, Gaana)
- News/media subscriptions
- Learning platforms
- Cloud storage providers
- Mutual fund SIPs (via select platforms)
- Fitness & wellness apps
🔧 How to Set Up UPI Autopay (Step-by-Step)
Let’s say you're subscribing to a service that supports UPI Autopay.
- Choose UPI Autopay as Payment Method
During checkout or subscription setup, select ‘UPI Autopay’. - Enter UPI ID
Input your UPI ID (e.g.,yourname@oksbi,@okhdfcbank, etc.). - Approve the Mandate
A request will be sent to your UPI app. Open your app and authorize the mandate with your UPI PIN. - Done!
Your subscription will now auto-renew at the set interval—daily, monthly, yearly—without manual effort.
🔒 Is UPI Autopay Safe?
Yes, very safe. It follows NPCI guidelines and uses secure UPI protocols.
You can:
- View all mandates in your UPI app
- Pause or revoke them anytime
- Set a maximum amount limit
🙋♂️ Common Questions
Q: Do I need to approve every payment?
A: No. Once the mandate is authorized, payments occur automatically.
Q: What happens if I don’t have balance?
A: The payment may fail, and the subscription provider might retry or cancel the service.
Q: Can I cancel a mandate?
A: Yes, go to the “Mandates” section in your UPI app and revoke it.
🧠Final Thoughts
UPI Autopay is a game changer for anyone who:
- Wants to avoid missed renewals
- Doesn’t want to share card details
- Prefers paying via UPI-linked bank accounts
It’s safe, easy to manage, and gaining fast popularity in India. If you haven’t tried it yet, give it a shot on your next subscription!
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