Enable seamless recurring payments through UPI  

UPI Autopay allows businesses to collect recurring payments directly from customer UPI accounts using digital mandates approved through UPI PIN authentication. It eliminates dependency on cards and net banking while offering a faster, mobile-first recurring payment experience. Viyona Fintech provides a full-stack UPI Autopay infrastructure that supports mandate creation, lifecycle management, execution, monitoring, and reconciliation; built for scale, compliance, and high availability.
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Key Features

  • UPI-Based Mandate Creation

    Enable customers to authorize recurring payments directly from their UPI apps using secure PIN authentication.

  • Flexible Billing Cycles

    Support daily, weekly, monthly, and custom recurring debit intervals for different business models.

  • Full Mandate Lifecycle Management

    Create, modify, pause, revoke, and track mandates through a centralized platform.

  • Real-Time Execution & Notifications

    Instant mandate status updates, debit execution alerts, and webhook-based tracking.

  • UPI Switch-Ready Architecture

    Built to integrate seamlessly with sponsor banks and NPCI infrastructure.

  • Analytics & Monitoring Dashboard

    Track mandate activity, collections, failures, and performance through a unified dashboard.

  • Enterprise Security & Compliance

    NPCI-aligned architecture with encrypted communication, audit logs, and risk monitoring.

  • 99.99% Uptime Infrastructure

    Active-active deployment with DR readiness and continuous monitoring.

How UPI Autopay Works

  • Mandate Initiation

    Customer receives a mandate request via app, link, or checkout flow.

  • Customer Authorization

    User approves the mandate by entering UPI PIN within their preferred UPI app.

  • Mandate Registration

    Once approved, the recurring debit mandate is activated.

  • Scheduled Auto-Debits

    Payments are automatically triggered based on configured billing cycles.

  • Lifecycle Control

    Mandates can be paused, modified, or revoked anytime by the customer or merchant.

REGUREGULATOR-WISE FOR UPI Autopay

Usecases 

NBFCs & Lending Platforms
  • EMI auto-debits
  • Micro-loan repayment automation
  • Short-term credit collections
Subscription Businesses
  • OTT subscriptions
  • SaaS billing cycles
  • App memberships
Insurance Companies
  • Premium collections
  • Renewal auto-payments
EdTech Platforms
  • Monthly fee collection
  • Installment-based course payments
Utility & Service Providers
  • Broadband bills
  • DTH subscriptions
  • Mobile recharge plans

Why Choose Viyona Fintech for UPI Autopay?

  • Faster Integration & Go-Live

    API-driven setup reduces time to deploy recurring UPI collections.

  • Complete Mandate Lifecycle Platform

    Manage creation, approval, execution, pause, revoke, and tracking from one system.

  • UPI Switch-Ready Infrastructure

    Built to scale with sponsor bank integrations and NPCI ecosystem.

  • Real-Time Monitoring & Analytics

    Track mandate performance, success rates, and collection insights.

  • Strong Risk & Fraud Controls

    Transaction rule validation, fraud scoring, and callback authenticity checks.

  • High Availability & Scalability

    Active-active architecture with DR, monitoring, and enterprise uptime.

  • End-to-End Tech + Compliance Support

    From onboarding to operations, Viyona handles the full lifecycle.

Start Your UPI Autopay Integration

Share your details and our onboarding team will guide you through technical integration, certification, and production deployment of your UPI Autopay setup.

    OUR EXPERT'S ANSWER

    Commonly Asked Questions 

    What is UPI Autopay?
    UPI Autopay allows businesses to collect recurring payments from customer UPI accounts using a one-time mandate approval.
    How is it different from eNACH?
    UPI Autopay works directly via UPI apps and PIN authorization, making it faster and mobile-first compared to traditional bank mandate flows.
    Can customers control mandates?
    Yes. Users can pause, modify, or revoke mandates anytime from their UPI app.
    What billing cycles are supported?
    Daily, weekly, monthly, and custom recurring intervals.
    Is it secure?
    Yes. All mandates are authorized via UPI PIN and processed through secure, NPCI-aligned infrastructure.
    UPDATIONS

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