> ## Documentation Index
> Fetch the complete documentation index at: https://yn-c9bb3266.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

<Info>
  UPI Autopay is initially available through **Adyen** and **Billdesk** as payment providers.
</Info>

## 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 |

<Warning>
  MIT autopay is allowed up to **INR 50,000**. Any amount above that requires a customer-initiated payment (CIT).
</Warning>

## 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."                  |

<Note>
  NPCI allows **1 execution attempt plus up to 3 retries**.
</Note>

## 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                        |