AUTOMATE COLLECTIONS
Automate collections with the highest success rate
Recurring payments, pre-transaction fund blocks, and multi-debit authorisations — robust UPI layers built for predictable, high-success collections.
TRUSTED FOR RECURRING COLLECTIONS
Ujjivan SFB
SBFC Finance
mPokket
Navi
Fibe
Spandana Sphoorty
>99%
Autopay mandate execution
94%
Transaction success rate
Zero
Deemed transactions
Zero
Unpredictable downtime
THREE COLLECTION LAYERS
Recurring, reserved and multi-debit collections in one place
Anveshan’s success story
BUILT FOR SCALE
Built for predictable, high-success collections at scale
WHO WE SERVE
Use Setu UPI to consume it your way
COMMON QUESTIONS
FAQs
What is UPI Autopay and how does it enable recurring payments?
UPI Autopay lets a customer authorize a merchant to auto-debit recurring payments — EMIs, subscriptions, SIPs — after a one-time mandate setup, without repeated manual approval.
How does UPI mandate registration work for a customer?
UPI mandate registration happens once, through the customer's UPI app, where they approve the recurring debit terms — amount, frequency, and validity — after which no further manual approval is required per debit.
Is recurring payment UPI safer than storing card details for auto-debit?
Recurring payment UPI doesn't require storing sensitive card data at all — the mandate lives within the UPI ecosystem, reducing the business's data security burden.
What is a one time mandate (OTM) UPI transaction used for?
A one time mandate UPI transaction blocks funds in a customer's account before a high-value transaction is confirmed, ensuring the payment won't fail at the final step.
What is single block multi debit (SBMD) UPI and how is it different from OTM?
Single block multi debit allows one fund block to be debited in multiple parts over time, unlike OTM which typically supports a single debit against the block.
How many retry attempts does UPI Autopay typically support for failed debits?
Many providers support up to 9 intelligent retry attempts on a failed recurring debit, significantly improving overall collection success versus a single attempt.
Can a UPI mandate registration be modified without re-authorization from the customer?
Some providers support updating specific mandate parameters without requiring a full fresh registration, though core changes like debit amount may still need re-authorization depending on rules.
Is recurring payment UPI suitable for loan EMI collections?
Yes — UPI Autopay is widely used for EMI collection since it offers high recurring success rates and can be configured to reduce customer-side revocation for lending use cases.
How does a one time mandate UPI transaction prevent payment failure?
By blocking the required funds in advance, the transaction only completes once a condition (like order confirmation) is met — removing the risk of insufficient balance at final debit time.
What happens if a customer's account has insufficient balance during single block multi debit?
Only the blocked amount is available for debit; if a specific debit attempt within the block exceeds available blocked funds, that particular debit will fail while the remaining block stays intact.