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How to Set Up Autopay and Recurring UPI Mandates: A Step By Step Guide

How to Set Up Autopay and Recurring UPI Mandates: A Step-By-Step Guide

UPI Autopay can help customers avoid late fees and penalties by automatically making payments on their behalf.

Written by Dhruv Raghav, Edited by Rohan Pal | Updated: 1 August 2026 12:00 IST

How to Set Up Autopay and Recurring UPI Mandates: A Step-By-Step Guide

Here's how you can set up UPI autopay mandates

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Highlights

NPCI launched UPI autopay in 2020
Autopay is beneficial to customers and merchants
Google Pay and PhonePe offer UPI autopay services

There are multiple subscriptions that pay for now. However, it often becomes difficult to keep track of all the services you are paying for annually or monthly. This can also lead to users forgetting about a subscription they had to pay for, which can also lead to cancellation. In 2020, the National Payments Corporation of India (NPCI) introduced the UPI Autopay facility. With UPI Autopay, you can enable e-mandate for recurring payments, including mobile bills, electricity bills, EMI Payments, OTT subscriptions, insurance premiums, and mutual fund payments using any UPI application of your choice.

Here's everything you need to know about UPI autopay mandates and recurring payments, including the benefits and how to set them up using Google Pay and PhonePe.

Benefits of Setting Up UPI Autopay for Customers and Merchants

There are multiple benefits of setting up autopay mandates for recurring payments. If you are a customer, setting up autopay can help you avoid late fees and penalties by automatically as autopay can make timely payments on your behalf. Similarly, it offers a secure and convenient way to make recurring payments, without requiring you to manually make payments every month or year.

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UPI allows users to set up autopay for Credit Card Bill Payment, Mutual Funds, and Insurance with a limit of up to Rs. 1,00,000. You can also easily modify, revoke, pause, or unpause autopay directly in the UPI app. You can also skip physical queues and directly make your payments online every month or year. Setting up autopay does not require any documentation or paperwork. You also receive Pre-Debit Notifications (PDNs) at least 24 hours before the execution of autopay transactions.

In case you are a merchant, integrating autopay will ensure timely payments from the customers, while allowing you to offer better services to your customers. It could also lead to increased customer satisfaction and customer retention, while also helping to build trust with your customers.

How to Set Up Autopay Mandate for Recurring Payments on Google Pay

Open Google Pay on your handset.
Tap on your profile picture in the top-right corner of the screen.
Now, click on the Autopay button to open the section.
Here, you can select the mandate from specific services to manage Autopay. To set up autopay for a specific service, select the mandate under the Pending section and then tap on the Accept button.
Alternatively, you can also hit Decline if you do not wish to set up autopay for a requested mandate.
Now, enter your UPI PIN to confirm your selection.

How to Set Up Autopay Mandate for Recurring Payments on PhonePe

Open the PhonePe app on your smartphone.
Then, tap on your profile picture in the top-left corner of the screen.
Scroll down to the Payment Settings section.
Now, tap on the AutoPay button.
A new screen will appear. Here, you can select the mandate you wish to set up autopay for accepting the autopay request.
The app will then ask you to enter your UPI PIN to authenticate autopay.

1. Why should I set up UPI autopay for recurring payments?

Setting up UPI autopay for recurring payments can help you avoid late fees and penalties.

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2. Can I set up UPI autopay using any UPI app of my choice?

Yes, you can select any UPI app of your choice, like PhonePe or Google Pay, to set up UPI autopay for recurring payments.

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3. Can I cancel UPI autopay mandates for recurring payments?

Yes, you can cancel UPI autopay mandates for recurring payments at any time using the same UPI app you used for setting it up.

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Further reading: Autopay, UPI Autopay, How to, How to Set Up Autopay

Dhruv Raghav

Email Dhruv Raghav

Dhruv Raghav is currently working as a Senior Sub Editor at Gadgets360. He has previously covered the North American financial markets as a Headline News Correspondent for a major news agency. After taking a sabbatical to prepare for the Civil Services examination, he returned to journalism to cover tech policy, with a special focus on AI laws and online gaming regulation. Now, he is back in Gadgets360 to write features and edit stories. To unwind, he likes to spend time with his PS5, listening ...More