# UPI Autopay Overview

> UPI Autopay Overview

# Overview

UPI Autopay is a recurring payment framework, introduced by the National Payments Corporation of India (NPCI), designed to support Merchant Initiated Transactions (MITs) using the Unified Payments Interface (UPI). **It allows customers to authorize an enrollment once, enabling future debits to be processed automatically without needing manual approval for each transaction.**

This functionality is ideal for subscription-based services like:

- SaaS & digital subscriptions
- Edtech & online learning
- Insurance & mutual funds
- Utilities & telecom

## Key Features

UPI Autopay has a set of features that boost recurring patterns:

| Feature                             | Description                                                                                                                                  |
| ----------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------- |
| **Enrollment Creation**             | Customers can authorize recurring payments via their UPI apps (e.g., Google Pay, PhonePe, Paytm) by approving a one-time enrollment request. |
| **Auto Debit Execution**            | After enrollment approval, merchants can initiate debits as per the enrollment schedule without requiring additional customer input.         |
| **Customer Notifications**          | Customers receive standard pre-debit notifications, as required by NPCI.                                                                     |
| **Enrollment Lifecycle Management** | Includes APIs for suspend, cancel, or modify enrollments as needed.                                                                          |

## The Flow

UPI Autopay works by establishing an authorization, achieved through an enrollment process, between merchant and customer, and referencing it in every recurring payment.

This way, the customer's bank can validate the payment against the enrollment and transfer funds without the need for customer interaction, given that they know the payment request has been validated and comes from a valid source.

You will need to follow three main steps:

1. **Subscription enrollment**: Register the subscription to establish the customer's recurring payment setup.

![UPI Autopay Enrollment Flow](/img/docs/pay-in/processing/payment-methods/country-specific/india/upi-autopay/upi-autopay-enrollment-flow.png)

1. **Pre-debit notification**: Notify the customer before initiating the payment, as required by Indian regulations.
2. **Payment request**: Request the actual payment after ensuring the pre-debit notification has been successfully acknowledged.

![UPI Autopay Payment Flow](/img/docs/pay-in/processing/payment-methods/country-specific/india/upi-autopay/upi-autopay-payment-flow.png)

## UPI Caps & Compliance

Please note that specific rules and requirements apply to this payment method. Details are provided in the table below.

| Category                            | Details                                                                                                                                                    |
| ----------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Transaction Count Limit**         | Up to 100 transactions per day per account (as per NPCI guidelines).                                                                                       |
| **Per Transaction Limit**           | Varies based on the issuing bank’s internal policy. Refer to the [bank-specific limits](#per-bank-transaction-limits) below.                                |
| **2FA (Two-Factor Authentication)** | - For debits ≤ ₹15,000: 2FA required only once during enrollment setup.  - For debits > ₹15,000: 2FA is required for every debit.                    |

## Per-Bank Transaction Limits

UPI Autopay transaction limits vary by bank. Use the filters below to find your bank and check the applicable limits:

| Bank Name | Bank Type | Sponsor Bank | UPI Transaction Limit | UPI Daily Limit |
| :--- | :--- | :--- | :--- | :--- |
| Abhyudaya Co-Operative Bank | Cooperative | NA | ₹25,000 INR | ₹25,000 INR |
| Adarsh Co-Op Bank Ltd | Cooperative | HDFC Bank | ₹50,000 INR | ₹50,000 INR |
| Aditya Birla Idea Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Airtel Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Allahabad Bank | Public Sector Bank | NA | ₹25,000 INR | ₹100,000 INR |
| Allahabad UP Gramin Bank | RRB | Allahabad | ₹20,000 INR | ₹40,000 INR |
| Andhra Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Andhra Pradesh Grameena Vikas Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Andhra Pragathi Grameena Bank | RRB | NA | ₹10,000 INR | ₹20,000 INR |
| Apna Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Assam Gramin VIkash Bank | RRB | United Bank of India | ₹5,000 INR | ₹25,000 INR |
| Axis Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Bandhan Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Bank Of Baroda | Public Sector Bank | NA | ₹25,000 INR | Not set |
| Bank of India | Public Sector Bank | NA | ₹10,000 INR | ₹100,000 INR |
| Bank of Maharashtra | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Baroda Gujarat Gramin Bank | RRB | Bank of Baroda | ₹25,000 INR | Not set |
| Baroda Rajasthan Kshetriya Gramin Bank | RRB | Bank of Baroda | ₹25,000 INR | ₹25,000 INR |
| Baroda Uttar Pradesh Gramin Bank | RRB | Bank of Baroda | ₹25,000 INR | ₹25,000 INR |
| Bassein Catholic Co-Op Bank | Cooperative | NA | ₹20,000 INR | ₹40,000 INR |
| Bhilwara Urban Co-Operative Bank Ltd | Cooperative | HDFC | ₹25,000 INR | ₹25,000 INR |
| Bihar Gramin Bank | RRB | UCO | Merged with DBGB |  |
| Canara Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Catholic Syrian Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Central Bank of India | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Chaitanya Godavari Grameena Bank | RRB | Andhra Bank | ₹25,000 INR | ₹100,000 INR |
| Chhattisgarh Rajya Gramin Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Citibank Retail | Foreign Bank | NA | ₹100,000 INR | ₹100,000 INR |
| City Union Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Coastal Local Area Bank Ltd | Cooperative | BOM | ₹50,000 INR | ₹100,000 INR |
| Corporation Bank | Public Sector Bank | NA | ₹50,000 INR | ₹100,000 INR |
| DBS Digi Bank | Foreign Bank | NA | ₹100,000 INR | ₹100,000 INR |
| DCB Bank | Private | NA | ₹5,000 INR | ₹5,000 INR |
| Dena Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Dena Gujarat Gramin Bank | RRB | Dena | NA (Merged) |  |
| Deutsche Bank AG (Web Collect) | Foreign Bank | NA | NA |  |
| Dhanlaxmi Bank Ltd | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Dombivli Nagari Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Equitas Small Finance Bank | Small Finance Bank | NA | ₹25,000 INR | ₹100,000 INR |
| ESAF Small Finance Bank | Small Finance Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Federal Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| FINO Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| GP Parsik Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| HDFC | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Himachal Pradesh Gramin Bank | RRB | PNB | ₹50,000 INR | ₹50,000 INR |
| HSBC | Foreign Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Hutatma Sahakari Bank Ltd | Cooperative | ICICI Bank | ₹100,000 INR | No limit |
| ICICI Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| IDBI Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| IDFC | Private | NA | ₹100,000 INR | ₹100,000 INR |
| India Post Payment Bank | Payments Bank | NA | ₹25,000 INR | ₹50,000 INR |
| Indian Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Indian Overseas Bank | Public Sector Bank | NA | ₹50,000 INR | ₹100,000 INR |
| IndusInd Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| J&K Grameen Bank | RRB | J&K | ₹20,000 INR | ₹20,000 INR |
| Jalgaon Janata Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Jammu & Kashmir Bank | Private | NA | ₹20,000 INR | ₹20,000 INR |
| Jana Small Finance Bank | Small Finance Bank | NA | ₹10,000 INR | ₹40,000 INR |
| Janata Sahakari Bank Pune | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Jio Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd | Cooperative | NA | ₹25,000 INR | ₹200,000 INR |
| Karnataka Bank | Private | NA | ₹100,000 INR | ₹200,000 INR |
| Karnataka Vikas Grameena Bank | RRB | NA | ₹25,000 INR | ₹25,000 INR |
| Karur Vysya Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Kashi Gomti Samyut Gramin Bank | RRB | NA | ₹100,000 INR | ₹100,000 INR |
| Kaveri Grameena Bank | RRB | SBI | ₹25,000 INR | ₹25,000 INR |
| Kerala Gramin Bank | RRB | NA | ₹20,000 INR | ₹20,000 INR |
| Kotak Mahindra Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Langpi Dehangi Rural Bank | RRB | SBI | ₹10,000 INR | ₹100,000 INR |
| Madhya Bihar Gramin Bank | RRB | PNB | ₹25,000 INR | ₹100,000 INR |
| Maharashtra Gramin Bank | RRB | BOM | ₹25,000 INR | ₹100,000 INR |
| Maharashtra State Co-Op Bank | Cooperative | NA | ₹5,000 INR | ₹50,000 INR |
| Malwa Gramin Bank (Bank merged with Punjab Gramin Bank) | RRB | SBI | ₹10,000 INR | ₹25,000 INR |
| Manipur Rural Bank | RRB | SBI | ₹10,000 INR | ₹10,000 INR |
| Maratha Co-Op Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Meghalaya Rural Bank | Foreign Bank | SBI | ₹100,000 INR | ₹100,000 INR |
| Mizoram Rural Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| NKGSB Co-Op Bank Ltd | Cooperative | NA | ₹20,000 INR | ₹40,000 INR |
| Oriental Bank of Commerce | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Paschim Banga Gramin Bank | RRB | UCO | ₹5,000 INR | ₹25,000 INR |
| Paytm Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Pragathi Krishna Gramin Bank | RRB | NA | ₹20,000 INR | ₹20,000 INR |
| Prathama Bank | RRB | NA | ₹10,000 INR | ₹50,000 INR |
| Punjab and Maharashtra Co-Op Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Punjab and Sind Bank | Public Sector Bank | NA | ₹10,000 INR | ₹10,000 INR |
| Punjab Gramin Bank | RRB | PNB | ₹10,000 INR | ₹25,000 INR |
| Punjab National Bank | Public Sector Bank | NA | ₹25,000 INR | ₹50,000 INR |
| Purvanchal Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Rajasthan Marudhara Gramin Bank | RRB | SBI | ₹25,000 INR | ₹25,000 INR |
| Rajkot Nagari Sahakari Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Samruddhi Co-Op Bank Ltd | Cooperative | TJSB | ₹100,000 INR | ₹100,000 INR |
| Sarva Haryana Gramin Bank | RRB | PNB | ₹50,000 INR | ₹100,000 INR |
| Sarva UP Gramin Bank | RRB | PNB | ₹50,000 INR | ₹100,000 INR |
| Saurashtra Gramin Bank | RRB | SBI | ₹20,000 INR | ₹100,000 INR |
| Shree Kadi Nagarik Sahakari Bank Ltd | Cooperative | Yes Bank | ₹100,000 INR | ₹100,000 INR |
| South Indian Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Standard Chartered | Foreign Bank | NA | ₹100,000 INR | ₹100,000 INR |
| State Bank of India | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Suco Souharda Sahakari Bank | Cooperative | ICICI Bank | ₹100,000 INR | ₹100,000 INR |
| Suryoday Small Finance Bank Ltd | Small Finance Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Suvarnayug Sahakari Bank Ltd | Cooperative | HDFC | ₹100,000 INR | ₹100,000 INR |
| Syndicate Bank | Public Sector Bank | NA | ₹10,000 INR | ₹100,000 INR |
| Tamilnad Mercantile Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Telangana Gramin Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Telangana State Co-Operative Apex Bank | Cooperative | IDBI | ₹10,000 INR | ₹100,000 INR |
| Thane Bharat Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Cosmos Co-Operative Bank Ltd | Cooperative | NA | ₹10,000 INR | ₹50,000 INR |
| The AP Mahesh Co-Operative Urban Bank | Cooperative | NA | ₹25,000 INR | ₹25,000 INR |
| The Ahmedabad District Co-Operative Bank Ltd | Cooperative | GSCB | ₹10,000 INR | ₹25,000 INR |
| The Ahmedabad Mercantile Co-Op Bank Ltd | Cooperative | HDFC Bank | ₹100,000 INR | ₹100,000 INR |
| The Andhra Pradesh State Co-Operative | Cooperative | NA | ₹10,000 INR | ₹100,000 INR |
| The Baroda Central Co-Operative Bank Ltd | Cooperative | GSCB | ₹15,000 INR | ₹100,000 INR |
| The Gujarat State Co-Operative Bank Ltd | Cooperative | NA | ₹50,000 INR | ₹100,000 INR |
| The Hasti Co-operative Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Kalyan Janata Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Lakshmi Vilas Bank Ltd | Private | NA | ₹100,000 INR | ₹100,000 INR |
| The Mahanagar Co-Op Bank Ltd | Cooperative | NA | ₹25,000 INR | ₹50,000 INR |
| The Malad Sahakari Bank Ltd | Cooperative | PMCO | ₹10,000 INR | ₹50,000 INR |
| The Mehsana Urban Co-Operative Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Municipal Co-Op Bank Ltd | Cooperative | NA | ₹5,000 INR | ₹50,000 INR |
| The Muslim Co-Operative Bank Ltd | Cooperative | HDFC | ₹100,000 INR | ₹100,000 INR |
| The Nainital Bank Ltd | Private | NA | ₹20,000 INR | ₹40,000 INR |
| The Ratnakar Bank Ltd | Private | NA | ₹25,000 INR | ₹25,000 INR |
| The Saraswat Co-Operative Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Surat People's Co-Op Bank Ltd | Cooperative | NA | ₹25,000 INR | ₹100,000 INR |
| The Sutex Co-Op Bank | Cooperative | ICICI Bank | ₹100,000 INR | ₹100,000 INR |
| The SVC Co-Operative Bank Ltd | Cooperative | NA | ₹10,000 INR | ₹20,000 INR |
| The Thane Janta Sahakari Bank Ltd (TJSB) | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd | Cooperative | ICICI Bank | ₹100,000 INR | ₹100,000 INR |
| The Udaipur Mahila Urban Co-Op Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Urban Cooperative Bank Ltd Dharangaon | Cooperative | ICICI Bank | ₹20,000 INR | ₹25,000 INR |
| The Varachha Co-Op Bank Ltd | Cooperative | NA | ₹20,000 INR | ₹40,000 INR |
| The Vijay Cooperative Bank Ltd | Cooperative | ICICI Bank | ₹20,000 INR | ₹200,000 INR |
| The Vishweshwar Sahakari Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Tripura Gramin Bank | RRB | SBI | ₹10,000 INR | ₹10,000 INR |
| UCO Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Ujjivan Small Finance Bank Ltd | Small Finance Bank | NA | ₹50,000 INR | ₹100,000 INR |
| Union Bank of India | Public Sector Bank | NA | ₹100,000 INR | ₹200,000 INR |
| United Bank of India | Public Sector Bank | NA | ₹25,000 INR | ₹60,000 INR |
| Uttarakhand Gramin Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Vananchal Gramin Bank | RRB | SBI | ₹20,000 INR | ₹20,000 INR |
| Vasai Vikas Co-Op Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Vijaya Bank | Public Sector Bank | NA | ₹25,000 INR | ₹50,000 INR |
| YES Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |