RBI Asks NPCI To Review Rise in UPI Autopay Debit Complaints: Report

Reserve Bank of India has asked National Payments Corporation of India to examine a recent increase in complaints linked to UPI Autopay transactions, as per Mint report.  

The move follows reports of unauthorised recurring debits and challenges faced by users in managing auto-debit mandates. 

Complaints Around Recurring Debits 

According to the report, concerns began emerging towards the end of 2025, when several Unified Payments Interface users reported recurring deductions that they had not authorised. In addition to disputed debits, customers also highlighted problems in cancelling standing instructions connected to their accounts. 

The number of grievances reportedly rose to the extent that some cases were escalated to cybercrime authorities, prompting a closer review of the recurring payments framework. 

Stakeholder Consultations By NPCI 

UPI Autopay, introduced in 2020 to facilitate recurring payments such as subscriptions, utility bills, insurance premiums and EMIs, has become widely adopted across digital platforms. 

In December, NPCI convened meetings with various participants in the UPI ecosystem, including third-party application providers, payment gateways, and select merchants.  

The discussions focused on examining whether operational gaps in mandate flows or design elements within user interfaces may have contributed to the spike in complaints. 

The consultations also aimed to reiterate adherence to the existing UPI Autopay framework and ensure ecosystem-wide alignment with prescribed processes. 

Read More: RBI Builds High-Security Data Centre in Odisha to Strengthen Financial Resilience! 

Conclusion 

With recurring digital payments forming a significant part of India’s transaction landscape, the RBI’s directive signals a closer scrutiny of UPI Autopay operations. The review is expected to assess process integrity and user safeguards within the fast-growing recurring payments segment. 

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