UPI Autopay
Paying in Indian Rupees (₹) means your plan renews automatically through UPI Autopay. You approve a single mandate at sign-up, and every monthly payment is handled from then on. There's no PIN to enter each month.
- You approve it once. When you pay in INR, you set up a UPI Autopay mandate in your app, such as GPay, PhonePe, or Paytm.
- It renews on its own. Each monthly payment is taken automatically, with nothing to do on your side.
- It is a ceiling, not a charge. Every mandate has a maximum amount. You are still only charged your actual plan price.
- It is set to ₹15,000. That is the most a recurring UPI payment can be before your bank asks for your PIN again.
The ceiling is the most a payment can be before UPI asks for your PIN. We set it as high as the rules allow, and we do this on purpose.
- A higher ceiling means fewer prompts. Any renewal of ₹15,000 or less is taken without a PIN. That covers Go, Pro, Provider, and Max 10×.
- A lower ceiling means more prompts. If we set it lower, every renewal above that amount would ask for a PIN. Lowering it would make things worse, not better.
This is not related to the ceiling. When you upgrade in the middle of a month, we set your billing date to today and charge the new plan right away, so your plan and your billing date stay in sync.
That charge happens straight away. UPI Autopay can only take payments that are scheduled a day in advance, so an immediate charge cannot be taken quietly. Because of this, UPI asks for your PIN once. This happens no matter how small the amount is, so even a move from Go to Pro will ask for it.
- It is normal. The PIN approves that one upgrade charge, and every upgrade will ask for it.
- Your mandate stays in place. You are not setting it up again. Your renewals keep working on their own.
| Situation | UPI PIN needed? |
|---|---|
| A renewal on a plan that costs ₹15,000 or less (Go, Pro, Provider, Max 10×) | No |
| A renewal on a plan that costs more than ₹15,000 (Max 20×) | Yes, every time |
| An upgrade in the middle of a month | Yes, once |
If you would rather avoid the prompts, you can pay in USD with a card instead of UPI. You can view or cancel a mandate at any time in your UPI app, or manage your plan in Studio > Billing.
What is the ₹15,000 on my UPI mandate? Will I be charged that?
What is the ₹15,000 on my UPI mandate? Will I be charged that?
No. ₹15,000 is the most the mandate allows, not what you pay. You are only ever charged your plan price. The limit is there because UPI lets recurring payments of up to ₹15,000 go through without a PIN, and we set it as high as allowed so your renewals stay automatic.
Can you lower the mandate amount?
Can you lower the mandate amount?
We keep it at ₹15,000 on purpose. It is a ceiling, not a charge. A higher ceiling means more of your renewals go through without a PIN. If we lowered it, any renewal above the lower amount would ask for a PIN, so it would only add friction.
Why did upgrading ask me to enter my UPI PIN again?
Why did upgrading ask me to enter my UPI PIN again?
An upgrade charges the new plan right away so your billing date stays in sync. That is an immediate charge, and UPI Autopay can only take payments that are scheduled in advance. UPI asks for your PIN once for any immediate charge, even a small one. Your mandate is not being recreated, and your renewals still work on their own.
Do I have to set up the mandate all over again after upgrading?
Do I have to set up the mandate all over again after upgrading?
No. The PIN on an upgrade approves that one charge. Your mandate stays active and your monthly renewals keep working without any further action.
Why does my Max 20× plan ask for a PIN every month?
Why does my Max 20× plan ask for a PIN every month?
Max 20× costs more than ₹15,000 a month. That is the most a recurring UPI payment can be without a PIN, and the limit is set by the RBI. Any payment above it needs a PIN every time. To avoid the monthly prompt, you can pay in USD with a card, or choose a plan that costs less than ₹15,000.
How do I view or cancel my UPI mandate?
How do I view or cancel my UPI mandate?
Open your UPI app, such as GPay, PhonePe, or Paytm, and look under Autopay or Mandates to review or cancel it. You can also manage your plan in Studio > Billing. For anything else, email support@commandcode.ai.