Hack of the day: UPI Autopay: Automate recurring monthly payments

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 Automate recurring monthly payments

'The Times of India' brings you 'Hack of the Day' — a new weekday-series of quick, practical solutions to everyday hassles. Each hack is designed to save you time, money or stress, using tools and features within your reach — from government websites to everyday apps. In simple words it is: Simple fixes for smarter living.Tired of manually paying your monthly subscriptions, EMIs, or utility bills? UPI AutoPay is a smart way to automate recurring payments directly from your bank account using your favorite UPI app—like PhonePe, Google Pay, Paytm, or BHIM.

For those unaware, the UPI AutoPay feature was introduced by NPCI and it allows the users to set up standing instructions for recurring payments directly via your UPI-enabled bank account. The feature eliminates the need for manual approval for all the fixed monthly payments including, EMI, subscriptions and more.

How to setup UPI AutoPay feature

  1. Open your UPI app Use any UPI-enabled app like PhonePe, Google Pay, Paytm, BHIM, etc.

  2. Go to the AutoPay section This may be under “Mandates,” “Subscriptions,” or “AutoPay” depending on the app
    1. Choose the service provider Select the merchant or biller you want to automate payments for (e.g., Tata Sky, LIC, Groww).

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4. Enter payment details

    • Amount
    • Frequency (daily, weekly, monthly, quarterly, yearly)
    • Start and end date
    • UPI ID or bank account
  1. 5. Authenticate the mandate Approve the mandate using your UPI PIN. This authorizes the app to debit your account automatically on schedule.
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