UPI AutoPay is the mandate-based recurring debit feature on UPI. The customer authorises a mandate with the bank specifying a maximum amount + frequency + duration; the merchant then debits per the mandate terms without per-debit customer approval.
UPI AutoPay is the dominant subscription billing primitive in India in 2026, replacing card-based recurring billing for most D2C + SaaS use cases. Setup takes 2-3 minutes during checkout; debits happen automatically after that.
Failure modes: mandate revoked by customer, insufficient funds, mandate expiry. Each has its own handling pattern. See our Enterprise UPI Integration for the full architecture.