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—upi-autopay-mandate-port-manage-across-apps-2026 [2026/07/22 17:47] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-description=(Under NPCI circular OC-223 you can now view and port every active UPI Autopay mandate in any UPI app, with UPI PIN, once per 90 days. Here is how.)&metatag-keywords=(UPI Autopay 2026, port UPI mandate, view autopay mandate, NPCI OC-223, manage recurring payments)&metatag-robots=(index,follow)&metatag-og:title=(UPI Autopay 2026: View and Port Your Mandates Across Apps)&metatag-og:description=(Under NPCI circular OC-223 you can now view and port every active UPI Autopay mandate in any UPI app, with UPI PIN, once per 90 days. Here is how.)&metatag-og:type=(article)}}
 +
 +====== UPI Autopay 2026: View and Port Your Mandates Across Apps ======
 +
 +
 +
 +{{ :social:auto:upi-autopay-mandate-port-manage-across-apps-2026.png?direct&1200 |UPI Autopay 2026: View and Port Your Mandates Across Apps — RTI Wiki}}
 +
 +<WRAP center round info 95%>
 +**Quick Reply:** Under NPCI circular OC-223 you can now view and port every active UPI Autopay mandate in any UPI app, with UPI PIN, once per 90 days. Here is how.
 +</WRAP>
 +
 +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.
 +
 +===== What a UPI Autopay mandate actually is =====
 +
 +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.
 +
 +===== What changed under NPCI OC-223 =====
 +
 +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:
 +
 +  - Porting is **strictly user-driven**. You start it yourself from the mandate details page. Apps cannot push cashback, incentives, banners, nudges or alerts to talk you into porting.
 +  - A mandate can be ported **only once in a rolling 90-day period**.
 +  - Every payer-initiated action, including porting, **needs your UPI PIN**.
 +
 +Your existing mandates keep working through the transition, so nothing stops debiting just because the framework changed.
 +
 +===== How to view all your active mandates =====
 +
 +The exact label varies by app, but the path is the same everywhere after the OC-223 update.
 +
 +  - Open your UPI app and go to the profile or "Manage bank accounts" area.
 +  - Find the **UPI Autopay** or **Mandates** section.
 +  - Tap to see the full list of active mandates: the merchant name, amount, frequency and next debit date.
 +  - Open any single mandate to see its details and the actions available on it.
 +
 +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.
 +
 +===== How to port a mandate to your preferred app =====
 +
 +  - Open the app where you want all your mandates to live.
 +  - Go to the **UPI Autopay** section and open the mandate you want to move.
 +  - Choose the **Port Mandate** option on the mandate details page.
 +  - Authenticate with your **UPI PIN** to confirm.
 +
 +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.
 +
 +===== How to cancel or pause a mandate you no longer want =====
 +
 +Porting only moves a mandate. To stop the money, use the management actions that already exist and that OC-223 keeps in place.
 +
 +  - **Revoke** to cancel the mandate permanently and stop all future debits.
 +  - **Pause** to hold debits temporarily, for example while you sort out a dispute.
 +  - **Modify** where the app allows it, to change limits within what the merchant set.
 +
 +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.
 +
 +===== If a mandate appears that you never approved =====
 +
 +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 [[https://righttoinformation.wiki/upi-autopay-mandate-fraud-india|stopping unwanted UPI Autopay debits]].
 +
 +You can also use the [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|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.
 +
 +===== What to do in the next 30 minutes =====
 +
 +  * Open your main UPI app and pull up the full **UPI Autopay** mandate list.
 +  * Read down the list and flag anything you do not recognise or no longer use.
 +  * **Revoke** the subscriptions you have stopped using, so they stop debiting.
 +  * **Port** the mandates you want into a single app, one at a time, before the 90-day clock locks any of them.
 +  * If anything looks unauthorised, revoke it and complain to your bank and app today.
 +
 +===== Frequently asked questions =====
 +
 +==== Can I really see mandates from other apps now? ====
 +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.
 +
 +==== How many times can I port the same mandate? ====
 +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.
 +
 +==== Does porting a mandate stop the auto-debit? ====
 +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.
 +
 +==== Will any app give me cashback to port my mandate? ====
 +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.
 +
 +==== Do I need my UPI PIN to manage mandates? ====
 +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.
 +
 +==== What happens to my existing mandates? ====
 +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.
 +
 +===== Sources =====
 +
 +  * NPCI circular **NPCI/UPI/OC-223/2025-26**, "Enhancement of UPI Autopay", dated 7 October 2025. [[https://www.npci.org.in/uploads/UPI_OC_No_223_FY_2025_26_Enhancement_of_UPI_Autopay_88b38535cb.pdf|Read the circular (PDF)]].
 +  * National Payments Corporation of India: [[https://www.npci.org.in|npci.org.in]].
 +
 +===== Related guides =====
 +
 +  * [[https://righttoinformation.wiki/upi-autopay-mandate-fraud-india|Stop unwanted UPI Autopay debits and cancel a fraudulent mandate]]
 +  * [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|Use the AI RTI Drafter to question a bank about an auto-debit]]
 +  * [[https://righttoinformation.wiki/book|The RTI Playbook]], to escalate a complaint that gets an evasive reply
 +
 +{{tag>upi npci autopay view port mandates across apps}}