You can now open any UPI app of your choice, see every active UPI Autopay mandate sitting on your account, and move a mandate from one app to another. This is the headline change in NPCI circular OC-223, dated 7 October 2025, which all UPI members were told to switch on by 31 December 2025. Your auto-debits for Netflix, your mutual-fund SIP or your insurance premium no longer live inside only the app that set them up.
If you are short on time, skip to the steps on viewing all your mandates below, then decide whether you want to port or cancel.
A UPI Autopay mandate is a standing instruction you approve once, with your UPI PIN, that lets a merchant pull money from your bank account on a fixed schedule. It powers most recurring auto-debits you already pay: an OTT subscription like Netflix, a monthly mutual-fund SIP, an insurance premium, an EMI, or a utility bill. The debits run automatically until the mandate expires or you stop it.
Until now, each mandate was visible mainly inside the app that created it. If you set up an SIP mandate on one app and a Netflix mandate on another, you had to hop between apps to see what was being debited. Many people never found the full list at all, which is how forgotten subscriptions keep draining accounts.
The National Payments Corporation of India (NPCI) runs UPI. Its circular NPCI/UPI/OC-223/2025-26, dated 7 October 2025, enhanced the UPI Autopay framework. Two things changed for you as a payer.
First, view anywhere. Every UPI app must now let you view all your active UPI Autopay mandates, not just the ones created in that app. NPCI requires apps to offer complete lifecycle management, viewing, porting, and the existing options to revoke, pause or modify a mandate, inside a “Manage bank accounts” or a dedicated “UPI Autopay” section.
Second, port across apps. You can move an active mandate from the app that created it to your preferred UPI app, so all your recurring payments can be managed in one place.
Three guard-rails come with the porting feature, straight from the circular:
Your existing mandates keep working through the transition, so nothing stops debiting just because the framework changed.
The exact label varies by app, but the path is the same everywhere after the OC-223 update.
If your app still shows only its own mandates, it has not finished rolling out the OC-223 update. Update the app from your store, or use another compliant UPI app, since the framework deadline was 31 December 2025.
Remember the once-per-90-days limit. Decide where you want a mandate to live before you port it, because you cannot port the same mandate again for 90 days.
Porting only moves a mandate. To stop the money, use the management actions that already exist and that OC-223 keeps in place.
Open the mandate, pick the action, and confirm with your UPI PIN. Cancel from the bank or merchant side too if the subscription itself is still running.
A genuine mandate cannot be created without your UPI PIN. So if you spot an active mandate in your list that you do not recognise, treat it as unauthorised. Revoke it immediately from the mandate details page, then raise a complaint with your bank and your UPI app, and watch your statement for any debit that already went through. For the full fraud playbook, including how to escalate and seek a reversal, read our guide on stopping unwanted UPI Autopay debits.
You can also use the AI RTI Drafter to frame a Right to Information request to a public-sector bank about how it processed or failed to stop an auto-debit.
Yes. Under NPCI OC-223, every UPI app must let you view all your active UPI Autopay mandates, not only the ones created in that app. If your app shows only its own, it has not finished the update; the compliance deadline was 31 December 2025. Update the app or use another compliant UPI app.
Once in a rolling 90-day period. NPCI built in this limit to keep porting user-driven and prevent apps from repeatedly moving mandates around. Decide where you want a mandate to live before you port it, because you cannot move it again for 90 days.
No. Porting only changes which app manages the mandate. The debit continues on the same schedule. To stop the money you must revoke the mandate, or pause it temporarily, and confirm with your UPI PIN. Cancel from the merchant or bank side as well if the subscription itself is still active.
No, and you should be wary if one tries. OC-223 says porting must be strictly user-driven and bars apps from using cashback, incentives, in-app notifications, banners, nudges or alerts to push you to port. A “port and earn” offer is not allowed under the circular.
Yes. Every payer-initiated action, viewing aside, requires your UPI PIN, including porting, revoking, pausing and modifying. This is why a genuine mandate cannot be created or moved without you. If something changed without your PIN, treat it as suspicious and complain at once.
They keep working. NPCI confirmed all existing mandates continue under the existing framework during the transition, and the enhanced framework applies to both new and existing mandates. You do not have to re-create anything; the view and port options simply become available across your UPI apps.