Payments, Fintech & Accounts

What is a UPI mandate (UPI AutoPay) and how does it work?

A UPI mandate, also called UPI AutoPay, is a standing instruction that authorises recurring payments from your bank account through UPI without approving each transaction individually. You set it up once by approving the mandate with your UPI PIN, defining the amount, frequency, and validity period. For example, a monthly subscription or recurring bill can debit automatically on the scheduled date until the mandate expires or you cancel it. You retain control and can pause or revoke the mandate from your UPI app at any time, which keeps recurring payments transparent and reversible.