UPI Autopay

Enable recurring payments in India with UPI mandates and Pre-Debit Notifications (PDN).

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:

1. Sends a Pre-Debit Notification to the customer 36 to 48 hours before the scheduled debit.
2. Waits the notice period.
3. 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