In short: UPI AutoPay lets a customer approve a recurring payment once, after which the amount is debited automatically on schedule. For jewellers, it means monthly scheme and instalment payments are collected on the due date without reminders — while the customer keeps full control to pause or cancel from their UPI app.

Of all the ways to collect monthly payments, UPI AutoPay is the closest thing to "set it and forget it". For a jeweller running gold savings schemes, it turns collections from a monthly chore into something that happens on its own. This guide explains what UPI AutoPay is, how it works, why customers trust it, and how to use it in your shop.

What is UPI AutoPay?

UPI AutoPay is a recurring-payments feature built into UPI. It lets a customer pre-authorise a payment of a fixed amount and frequency — for example, ₹2,000 on the 15th of every month. The customer approves this "mandate" once in their own UPI app. After that, the payment is debited automatically on each due date, with no action needed from them.

It was designed exactly for recurring use cases like subscriptions, SIPs and — perfectly — jewellery savings-scheme instalments.

How a mandate works, step by step

  • Request: the jeweller sends the customer an AutoPay request, tied to their plan (in IRA ORA, straight over WhatsApp).
  • Approval: the customer opens their UPI app and approves the mandate — they can see the fixed amount, frequency and end date.
  • Auto-debit: on each due date, the instalment is debited automatically.
  • Record: the payment is matched to the customer's plan and marked paid, keeping the ledger accurate.

Why customers trust UPI AutoPay

Customers are often wary of "auto" anything — but UPI AutoPay is built around their control:

  • The mandate is approved in their UPI app, not handed over to anyone.
  • The amount and frequency are fixed and visible — no surprises.
  • They can pause or cancel the mandate themselves at any time.

This transparency is why customers are comfortable opting in, and why AutoPay adoption keeps growing across India.

What it means for jewellers

For the shop, AutoPay is transformational for collections:

  • Zero follow-ups for AutoPay customers — the payment simply arrives.
  • On-time, predictable cash flow — instalments land on the due date.
  • Accurate books — each debit is recorded automatically.
  • Your account — collections settle to you through regulated payment partners; IRA ORA is software and never holds your money.

You do not have to put every customer on AutoPay. Offer it to your trusted, regular scheme customers, and keep reminders and payment links as the option for everyone else.

Setting it up with IRA ORA

Inside IRA ORA, UPI AutoPay is part of the collection workflow. Send the request from a customer's plan, they approve it once, and from then on the instalment is collected and reconciled automatically each month — alongside everything else in your collection dashboard.

Frequently asked questions

What is UPI AutoPay?

UPI AutoPay is a feature of UPI that lets a customer pre-authorise a recurring payment of a fixed amount and frequency. Once approved in their UPI app, the payment is debited automatically on schedule, such as a monthly jewellery scheme instalment.

Can a customer cancel a UPI AutoPay mandate?

Yes. The customer controls the mandate from their own UPI app and can pause or cancel it at any time, which is one reason customers are comfortable opting in.

How do jewellers use UPI AutoPay?

Jewellers use UPI AutoPay to collect monthly gold-scheme and instalment payments automatically. The customer approves one mandate, and each month the instalment is debited on the due date and recorded against their plan.