10:15 AM IST – After UPI became mainstream, something predictable happened. Every fintech app wanted a piece of it. Banks, wallets, payment apps, a few popular names: PhonePe, Google Pay, Paytm, and many others. They all started offering UPI-based subscriptions and AutoPay mandates.
The result? UPI became easy, but new issues started: the major one is tracking UPI mandates. The solution we got.
On December 25, 2025, the National Payments Corporation of India (NPCI) announced a new central portal for everyone. They launch a new URL – upihelp.npci.org.in.
They aimed at solving this exact confusion due to multiple apps and services. The idea is simple: give users one online portal to see and manage all UPI AutoPay mandates, regardless of which app they used years ago.
This is not a flashy launch. It is a corrective one.
What NPCI has introduced
The portal is a dedicated AutoPay control centre, web-based and works on both mobile and desktop. It does not process payments. It does not replace UPI apps.
It exists for one reason: visibility.
Most users approve AutoPay mandates casually — for OTT subscriptions, EMIs, insurance, and utilities. But Months later, when an SMS got: saying “₹499 debited from your account”, the reaction is instant concern: Which app was this? When did I approve it? Can I stop it?
NPCI has identified this behavioural gap and built a central solution.
Why has this problem become serious
After UPI’s success, almost every fintech and banking app layered AutoPay on top of it. According to industry data cited by The Economic Times, recurring UPI mandates have expanded sharply over the last year. Over time:
- Users forgot where the mandates were created
- Apps stored mandates in silos
- Cancelling became app-dependent
- Switching apps broke visibility
This was not fraud. It was design friction.
NPCI’s portal addresses that friction directly by sitting above apps, not inside them.
What users will be able to do in the UPI AutoPay Portal
Once fully accessible (expected January 2026), users can log in using their bank-linked mobile number, complete the captcha, verify via OTP, and then:
- View all active UPI AutoPay mandates in one go.
- See clear details: amount, frequency, merchant
- Pause or cancel mandates without app-hopping
- Port mandates between UPI apps
Portability is important because it reflects reality — users change apps, but subscriptions should not become invisible because of that.
Current status and rollout reality
When Easemoney accessed the portal Today, Dec 26, it showed: “Suspicious activity detected. Please try again later.”
This means the portal is live at a backend level but still undergoing phased rollout, security checks, or controlled access. NPCI has already directed ecosystem participants to align with the new framework by December 31, 2025, indicating readiness at the network level.
Public usability is expected to stabilise during 2026.
One practical insight
For NPCI, this is not technically complex. All mandate data already exists at the network level, it all info related to the UPI of every user. The portal simply organises and exposes that data responsibly.
For users, however, the value is disproportionate. Even checking this portal once every few months, even if you think you have no AutoPay mandates, is a healthy habit. It’s the financial equivalent of checking your Aadhaar seeding or credit report. means not urgent, but sensible once a month.
