Overview
UPI Autopay enables recurring payments through customer-approved mandates in India. Once a customer authorizes a mandate, Yuno can schedule subsequent charges automatically. Before each debit, customers receive a Pre-Debit Notification (PDN) via SMS or email, providing time to review and cancel if desired.
UPI Autopay is initially available through Adyen and Billdesk as payment providers.
How It Works
Initial Charge (CIT)
The first payment operates as a Customer-Initiated Transaction (CIT) to establish the mandate and authorize future recurring debits.
Subsequent Charges (MIT)
For subsequent charges, Yuno:
- Sends a Pre-Debit Notification to the customer 36 to 48 hours before the scheduled debit.
- Waits the notice period.
- Executes the Merchant-Initiated Transaction (MIT) debit during an approved IST window.
If the customer cancels during the notice period, the debit does not proceed.
Amount Thresholds
Two flows exist based on transaction amount:
| Scenario | Flow |
|---|
| Below INR 50,000 | Yuno sends PDN, waits notice period, then executes MIT debit automatically |
| Above INR 50,000 | Yuno sends a CIT notification 72 to 48 hours in advance. Customer must actively complete the payment |
MIT autopay is allowed up to INR 50,000. Any amount above that requires a customer-initiated payment (CIT).
Integration
Access UPI Autopay through the stored_credentials field in the payment request. The full path is payment_method.detail.detail.bank_transfer.stored_credentials.
Usage Values
usage Value | Behavior |
|---|
FIRST | Execute direct charge (CIT) and store mandate reference for future debits |
USED | Send PDN, wait notice period, then run MIT debit |
Pre-Debit Notification (PDN)
PDN messages:
- Support multiple languages: English, Hindi, Tamil, Telugu, Bengali, Marathi
- Are white-labeled with your merchant branding
- Include a cancellation link for customer opt-out
- Are delivered via SMS and/or email
Dunning & Retry Strategy
When MIT debits fail, Yuno implements automatic retry scheduling:
| Attempt | Customer Message |
|---|
| 1st failure | ”Payment failed. We’ll retry tomorrow. No action needed.” |
| 2nd failure | ”Payment still pending. Retry in 2 days.” (includes link to update payment method) |
| 3rd failure | ”Final retry scheduled for [date]. Please ensure funds are available.” |
| Final failure | ”Payment could not be processed. Contact [merchant] to resolve.” |
NPCI allows 1 execution attempt plus up to 3 retries.
Regulatory Compliance (NPCI)
| Requirement | Details |
|---|
| Advance notice | PDNs require 36 to 48 hour advance notice (NPCI minimum: 24 hours) |
| Customer opt-out | PDNs include cancellation links via SMS/email |
| Execution windows (IST) | Before 10:00 AM, 1:00 to 5:00 PM, or after 9:30 PM |
| MIT amount limit | Up to INR 50,000 |
| Retry limits | 1 execution attempt + up to 3 retries |
Payment Status Lifecycle
| Status | Description |
|---|
PENDING | PDN sent, waiting for notice period or customer action |
SUCCEEDED | Debit completed successfully |
DECLINED | Provider or bank rejected the debit |
CANCELLED | Customer cancelled via PDN link |
