A major update is coming to India's Unified Payments Interface (UPI), and it's set to significantly enhance the way users manage their AutoPay mandates. As part of the ongoing effort to make wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital transactions smoother and more transparent, the National Payments Corporation of india (NPCI) has unveiled a new UPI AutoPay framework. By December 2025, this update will allow users to view, manage, and transfer their active AutoPay mandates from any UPI-supported app, including Google Pay, PhonePe, Paytm, or other UPI platforms.

This update is a game-changer for anyone who uses UPI for recurring payments, such as subscriptions, utility bill payments, and EMIs. Here’s everything you need to know about this upcoming UPI AutoPay overhaul.

1. What Is the UPI AutoPay Framework?

Currently, UPI AutoPay allows users to set up recurring payments for services such as streaming platforms, insurance premiums, utility bills, and even EMIs. However, the process of managing or viewing these mandates is limited to the app where they were set up.

With the new UPI AutoPay framework, users will be able to:

· View all active AutoPay mandates: Instead of being restricted to a single app, you can access all your recurring payment mandates across different UPI apps.

· Manage AutoPay mandates: You will have the ability to modify or cancel recurring payments from any UPI app, giving you greater control over your subscriptions and payments.

· Transfer mandates: If you want to switch your AutoPay from one UPI app to another (for example, moving a bill payment from PhonePe to Google Pay), the new framework will make this process seamless.

2. Key Features of the New UPI AutoPay System

Here’s a breakdown of the major features and benefits you can expect from the updated UPI AutoPay system:

Universal Access to All AutoPay Mandates

· You’ll be able to manage all your mandates—whether set up in Google Pay, PhonePe, Paytm, or any other UPI-enabled app—from a single interface. No more jumping between apps to keep track of your subscriptions.

Enhanced Transparency and Control

· With the new framework, you’ll get a clear view of your upcoming payments, making it easier to track your expenses and ensure you don’t miss any due dates. If needed, you can modify or cancel mandates directly from the app of your choice.

Easy Transfer of Mandates

· The ability to transfer your AutoPay mandates from one UPI app to another will help streamline your finances, especially if you prefer switching platforms for better rewards, lower fees, or more convenient services.

Improved Security Features

· The updated system will include enhanced security measures, ensuring that users can safely manage their AutoPay mandates without worrying about unauthorized transactions.

3. Why Is This Update Significant for Users?

The upcoming changes to UPI AutoPay address several key concerns that users have when dealing with recurring payments:

1. Convenience

· Managing subscriptions and bills across multiple apps can be cumbersome. This update brings all mandates under one roof, saving you time and effort.

2. Flexibility

· Whether you want to cancel a subscription or switch apps, you can do it all with ease. No more dealing with the limitations of being locked into a single UPI platform.

3. Transparency

· By having access to all your AutoPay details in one place, users will have full visibility of what payments are set to be deducted, when, and for what purpose, reducing the chances of missed or unexpected payments.

4. How Will the Update Work?

The National Payments Corporation of india (NPCI) plans to roll out this new framework by December 2025, but the exact steps and timeline for implementation will depend on each UPI-enabled app. Here's a general idea of how the update will work:

1. Integration with UPI Apps

· Once the update is live, Google Pay, PhonePe, Paytm, and other UPI apps will need to integrate this new framework. This will allow users to view and manage their AutoPay mandates from within their apps.

2. User Interface Update

· Each app will likely roll out UI updates that incorporate new features for managing AutoPay, such as mandate lists, due date alerts, and transfer options.

3. Notifications and Alerts

· Expect to receive notifications and reminders about upcoming AutoPay deductions or changes to your active mandates. This will help users stay on top of their recurring expenses.

5. What Are the Benefits for Businesses and service Providers?

For businesses and service providers, the new UPI AutoPay system offers the following advantages:

1. Higher Conversion Rates

· With the ease of managing AutoPay across platforms, customers may be more willing to sign up for recurring payments, leading to higher customer retention and predictable revenue.

2. Better User Experience

· The new framework will enhance the overall customer experience, reducing friction in payments and providing transparency in billing, which could lead to fewer customer complaints and more satisfied users.

3. Increased Trust

· The improved security features will reassure customers that their recurring payments are safe and that they have full control over their subscriptions.

6. What Does This Mean for the Future of UPI?

This update is part of the broader trend to make UPI more integrated, secure, and user-friendly. By offering greater flexibility in managing recurring payments, it positions UPI as an even more powerful tool for digital payments.

In the long run, this update could lead to more innovative payment solutions, fostering financial inclusion and making wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital transactions more accessible to everyone, from individual users to large businesses.

7. How to Prepare for the UPI AutoPay Update

To make sure you’re ready for the new UPI AutoPay features, here are a few things you can do now:

1. Review Your Existing Mandates: Take stock of your current subscriptions and recurring payments. If you’re not satisfied with your current app, keep an eye out for the ability to transfer your mandates later.

2. Update Your Apps: Make sure your UPI apps are regularly updated so you can access the new features as soon as they’re available.

3. Stay Informed: Keep an eye on official announcements from NPCI and your UPI app providers regarding the update.

Conclusion:

The upcoming UPI AutoPay update is a major step towards improving the way indians manage their recurring payments. By offering flexibility, transparency, and greater control, this update will make it easier for users to manage their finances and for businesses to ensure timely payments. Whether you're paying for subscriptions, EMIs, or utility bills, this change will bring a level of convenience that the wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital payment space has been waiting for.

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.