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AUTOMATE COLLECTIONS. ELIMINATE CHURN.

Recurring Payments
Done Right, At Scale.

From EMI recoveries to seamless renewals, our UPI AutoPay engine combines intelligent retries and RuPay CC support to keep your revenue flowing without the friction.

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TRUSTED BY

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BUILT FOR SCALE

Why use our
UPI AutoPay?

Leverage India's real-time payment network for guaranteed revenue with intelligent controls and recovery mechanisms.

Flexible mandate control

Flexible mandate control

Minimise failures by setting and pre-validating transaction rules.

Supported by 30+ UPI Apps

Supported by 30+ UPI Apps

UPI Recurring has seen rapid and widespread adoption, with support on major UPI.

SEBI Compliant

SEBI Compliant

Ensure regulatory compliance for financial services, reducing risk and building customer trust.

RuPay CC Support

RuPay CC Support

Expand acceptance instantly by enabling RuPay Credit Cards for AutoPay with zero setup charges.

Built for India's
High-Growth Verticals

From OTT subscriptions to NBFC loan recoveries, AutoPay is purpose-engineered for sectors where recurring payment success rates matter most.

OTT & Media

OTT & Media

Subscription Growth Reduce involuntary churn with RuPay CC support. Offer "Pause" instead of cancel, retain subscribers at the moment of intent to leave.

NBFC & Lending

NBFC & Lending

EMI Collections Maximise recovery on failed EMIs with failure-code-aware retry logic. Eliminate manual follow-ups and reduce NPA risk at scale.

Insurance

Insurance

Premium Renewals TPV-compliant flows ensure premium debits originate from the verified policyholder's account, IRDAI-ready, audit-proof, fully seamless.

Trusted by
India's Largest Online Brands

Trusted by India's
Largest Online Brands

Jar Poster

"We worked with the PhonePe PG team to identify and solve every key challenge, and as a result, we observed a significant jump in our success rates. Some things make your life simpler and PhonePe PG is one of them.”

Nischay AG

CEO

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1.5 crore+

Users save on Jar

Why UPI AutoPay?

  • UPI-leadership
  • Responsive Support
Flower Aura Poster

"In E-commerce, the right Payment Gateway partnership is crucial. PhonePe PG streamlined our Payments, & reduced cart abandonment. PhonePe PG exceeded our expectations with a top-notch product & impeccable support.”

Suman Patra

Co-founder

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600+

Cities in India & various international locations

Why UPI AutoPay?

  • Steady Success Rate
  • Seamless Onboarding
redBus Poster

"redBus is committed to redefining travel through technology. Collaborating with PhonePe PG allows us to leverage their robust Payment infrastructure, ensuring reliability and innovation for millions of our customers.”

Rithish Saralaya

SVP Engineering

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Delivering

Reliability

Why UPI AutoPay?

  • Secure Infrastructure
  • Innovative Offerings
emt Poster

"Our partnership with PhonePe Payment Gateway has been seamless and highly efficient. Their robust tech, smooth integration, & reliable support played a key role in enhancing our customer experience. We truly value this collaboration.”

Vikash Goyal

CSO

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Enhanced

Customer Experience

Why UPI AutoPay?

  • Seamless Integration
  • Reliable Support
giva Poster

"As GIVA expands, a trusted Payment partner at every touchpoint is vital. PhonePe PG offers us reliability across our national stores and on our app. Their support scales with our growth, and that consistency makes all the difference for us.”

Ishendra Agarwal

Founder

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Prepared for

Scalable Growth

Why UPI AutoPay?

  • Trusted Partnership
  • User-friendly Dashboards
Pebel Poster

"Our partnership with PhonePe PG has been a pivotal factor in our success story. With PhonePe PG's user-friendly interface and seamless Payment processing, we can continue delivering exceptional service to our valued customers.”

Ritu Shah & Minita Parekh

Co-founders

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655%

Business growth with PhonePe PG

Why UPI AutoPay?

  • Significant increase in the value and number of transactions
  • Up and running in 3 days with seamless onboarding
Nua Poster

"Partnering with PhonePe Payment Gateway enabled us to expand our D2C business and transform period care across India. Its seamless integration and dependable partner support means our online customers' experience lives up to our brand's Zero Irritation promise.”

Ravi Ramachandran

Co-Founder & CEO

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Keeping the

Brand Promise

Why UPI AutoPay?

  • Smooth Integration
  • Reliable Supports

Comprehensive Solutions

Comprehensive
Solutions

To keep your Business Ahead of the Rest

AutoPay
AutoPay

Automate flexible subscriptions for steady cash flow.

Boost Checkout Conversions
Boost Checkout Conversions

Faster, error-free checkouts using tokenized cards boost revenue.

International Payments
International Payments

Accept International Payments, simplify growth.

Payment Links
Payment Links

Send Payment links (WhatsApp/SMS/Email), get paid instantly

Dynamic QR
Dynamic QR

Dynamic QR codes enable UPI, reducing errors and boosting success.

Pay on Delivery
Pay on Delivery

Digital doorstep Payments replace COD, cutting cash handling costs.

Manage Payments with
A Powerful Centralised Dashboard

Powerful Centralised
Dashboard

Track, Monitor & Manage all your recurring payments from one unified interface

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Simple & Transparent
Pricing

LIMITED PERIOD OFFER
Super Savings Offer

1.95%
FREE*
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*T&C Apply
DEVELOPERS

Integrated Ecosystem
For Developers

PhonePe Payment Gateway provides low-code SDKs and RESTful APIs that work quickly with existing apps and ecosystems. Easily integrate PhonePe Payment Gateway into your tech stack.

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Light SDKs, Flexible APIs

Grow your business with well-documented and lightweight SDKs, simple-to-use and flexible APIs that provide an effortless way to initiate and authorize your Payments, and more. Choose the integration that's right for you, and we'll help you get started in no time!

PhonePe UPI AutoPay Flexible SDK and API
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Frequently Asked Questions

What is the transaction limit for UPI AutoPay?

The standard limit for UPI AutoPay is ₹1 lakh per transaction. However, for specific high-value categories like insurance premiums, mutual fund investments, and credit card bill payments, the limit has been enhanced up to ₹5 lakh to ₹10 lakh depending on the merchant's verification status and category.

How long does mandate setup take for customers?

Mandate setup is instant. Once the customer authorizes the initial request using their UPI PIN, the mandate is registered in real-time. Future payments will then be triggered automatically based on the scheduled frequency.

What happens if a debit fails due to insufficient funds?

If a debit fails, the transaction is declined by the bank. PhonePe PG allows merchants to set up custom retry schedules (e.g., retrying after 24 hours or a few days). Customers typically receive a notification about the failure so they can load funds or pay manually to avoid service interruption.

Is UPI AutoPay different from eNACH?

Yes. While both handle recurring payments, they differ in speed and setup: UPI AutoPay: Fully digital, instant setup via UPI PIN, and higher success rates for mobile users. eNACH: Often requires net banking or debit card authentication and can take T+2 to T+7 days for mandate activation.

What is the transaction limit for UPI AutoPay?

The standard limit for UPI AutoPay is ₹1 lakh per transaction. However, for specific high-value categories like insurance premiums, mutual fund investments, and credit card bill payments, the limit has been enhanced up to ₹5 lakh to ₹10 lakh depending on the merchant's verification status and category.
Sign up for PhonePe Payment Gateway Now
  • check iconEasy onboarding
  • check iconDeveloper friendly APIs
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