UPI Autopay for Web

UPI Autopay enables Indian shoppers to set up recurring payments through their UPI app (for example, Google Pay, PhonePe, and Paytm).

Requirements

Shopper experience

With Adyen’s UPI Autopay solution, you can give your shoppers different payment options for signing up on the recurring plan, namely UPI Collect, UPI QR, and UPI Intent:

• Collect flow: UPI apps only show the mandate amount. The shopper authorizes the mandate with their PIN.

  1. The shopper gets a push notification on their phone.
  2. The Autopay mandate details are shown in the UPI app for review.
  3. The shopper enters their UPI PIN to authorize the mandate.
  4. The mandate is created and the first payment is completed.

• QR and Intent flows: UPI apps show both the mandate amount and the first transaction amount.

  1. The shopper scans the QR code, or in the Intent flow launches the UPI app.
  2. The Autopay mandate details are shown in the UPI app for review.
  3. The shopper enters their UPI PIN to authorize the mandate.
  4. The mandate is created and the first payment is completed.

From Adyen Web SDK v6.22.0 the UPI Autopay component shows mandate information directly in the checkout. The result is:

• Shoppers see clear mandate details before authorizing.
• Information is consistent across Collect, Intent, and QR flows.
• Less confusion and improved conversion.

Payment examples

• The shopper makes an upfront payment and a higher mandate is created.
  

• The shopper does not make an upfront payment, only a mandate is created.
  You can use this to sign up shoppers for free trials, or to save the payment details for future use. In this case, a small minimum amount is authorized and refunded automatically. Pass a minimum value of 2 INR in the additionalAmount field in your payment request. Note that you need to show information about the authorization and refund outside of the component based on your requirements for tokenizing the payment details. For example: "To enable a free trial, 2 INR will be charged and refunded".
  

Mandate information box

When a mandate is present, the new UPI component renders an information box with details. The standard base text of "You’re setting up a UPI Autopay recurring payment..." is followed by dynamic text that depends on:

• amount: The transaction amount (can be known or unknown).
• mandate.amount: The mandate limit (always known).
• frequency: The payment monthly, weekly, or ad hoc.
• amountRule: Either exact or max.

Examples of messages:

Customize the mandate information box

You can override the default translations for the mandate information box:

Integration steps

Test and go live

Reach out to your Adyen contact to set up your test environment for UPI Autopay. You can use the following magic amounts to test various transaction outcomes.

Before you can accept live UPI Autopay payments, reach out to your Adyen contact to begin the onboarding process.

See also