UPI Gets New Rule: Users Can Now View and Manage All AutoPay Mandates on Any App, Effective from December 31, 2025

In a major update for digital payment users across India, the National Payments Corporation of India (NPCI) has announced a new UPI AutoPay framework that will give users complete control over their recurring payments. Under this new system, UPI users will be able to view, manage, and even transfer their active AutoPay mandates across any UPI app — including Google Pay, PhonePe, and Paytm.

This move is aimed at making the Unified Payments Interface (UPI) ecosystem more transparent, flexible, and user-friendly, especially for those who handle multiple subscriptions and recurring payments.

What Will Change for UPI Users

Until now, users could only check and manage their AutoPay mandates — such as OTT subscriptions, phone bills, or EMI payments — within the app where they originally set them up. However, with the introduction of this new framework, users will soon be able to access all their AutoPay mandates from any UPI app.

For example, if you’ve created a few mandates through Google Pay and others through PhonePe, you will now be able to view and manage all of them collectively on any single app of your choice.

Moreover, NPCI is introducing a mandate portability feature, allowing users to transfer AutoPay mandates from one app to another. This will make switching between apps much easier and give users full autonomy over where they manage their payments.

When Will the New Rule Be Implemented?

According to NPCI’s latest circular issued on October 7, 2025, all banks and UPI-enabled applications must implement this new system by December 31, 2025. Once rolled out, it will be a significant milestone in enhancing user transparency and simplifying digital payment management.

NPCI’s Key Directives to Banks and UPI Apps

NPCI has directed all banks and UPI platforms to introduce a dedicated “Manage Bank Accounts” or “UPI AutoPay” section within their apps.

Here’s what users will be able to do under this new feature:

• View all active AutoPay mandates linked to their bank accounts.

• Check details such as payment frequency, amount, and merchant.

• Manage, pause, or cancel any AutoPay instruction easily.

• Transfer mandates between apps without any restrictions.

However, NPCI has also made it clear that apps cannot lure users into transferring mandates through cashbacks, promotional offers, or notifications. The transfer process should be entirely user-driven and voluntary.

A New Layer of Security for UPI Transactions

Alongside the AutoPay upgrade, NPCI has also announced a new security feature for UPI users. Going forward, users will be able to set or reset their UPI PIN using facial recognition or biometric authentication.

This on-device biometric verification will initially apply to transactions up to ₹5,000, ensuring both convenience and safety for smaller payments. NPCI has also hinted that this limit may be increased in the future as the system becomes more robust.

Why This Update Matters

With this new rule, NPCI aims to make UPI more transparent, secure, and user-centric. Managing multiple subscriptions — from OTT platforms to utility bills — will now become seamless and hassle-free.

The AutoPay mandate view feature ensures that users always know where their money is going, while the mandate portability option ensures they are not tied to a single app for managing their digital payments.

Together with biometric authentication, this marks another major leap in India’s ongoing digital payments revolution — making UPI not only one of the fastest but also one of the most secure and flexible payment systems in the world.