Home / Solutions / UPMS

Unified Presentment
Management System

UPMS is an end-to-end solution for mandate
management to handle recurring collections, with auto-
reminders and auto-payment mandate registration.

Live partners

  • Google Pay

    Google Pay

  • phone pe

    Phone pe

  • Euronet

    Euronet

  • AU Small Finance Bank

    AU Small Finance Bank

  • Google Pay

    Google Pay

  • phone pe

    Phone pe

  • Euronet

    Euronet

  • AU Small Finance Bank

    AU Small Finance Bank

  • Euronet

    Euronet

Features

  • Payments for 20+ categories and services

    All Bharat BillPay categories, including utility bills, loans, credit card payments, FASTag etc., are supported on UPMS platform.

  • Auto-payment mandates

    Customers can either set a one-time 'Auto-pay' mandate or a 'View & pay' mandate.

  • Handles multi-channel
    auto-pay registrations

    Customers can set their auto-payment mandates on multiple channels like payment apps, wallets, bank websites, as well as Billers’ own platform without the fear of double deductions.

  • Skip-payment notifications

    All registered payment platforms are notified about a successful payment with skip-payment notification APIs, so there is no scope for repeat reminders once a payment is completed.

  • Proactive bill fetch for
    utility Billers

    UPMS predicts the next billing date based on past bill data and initiates a fetch request from the Biller’s system whenever a payment is due.

  • Fixed scheduler for bill
    presentment

    Customers have the option to set up a fixed schedule of payments on any frequency of their choice. This feature is best suited for investments and auto-recharges.

  • Bill push feature for ad
    hoc payments

    Billers can push bills to UPMS on an ad hoc basis, whenever a customer's payment is due. This helps Billers with varying billing cycles to collect payments efficiently.

  • Convenience & flexibility

    Customers can register, view and cancel the auto-payment mandate, and modify details like maximum amount for auto-debit, validity of the mandate, and payment mode, at any time, on any payment channel of their choice.

Benefits

Never miss payment deadlines

Multi-channel registrations without double deductions

Flexible registration options across all platforms

View, modify or cancel the mandate at any time

Use cases

How to register for an
auto-payment mandate?

  • 01

    Open a payment platform and
    select the Biller.

  • 02

    Enter your Customer ID or mobile
    number and get the bill details.

  • 03

    Select the option to register for
    auto-payment and proceed.

  • 04

    Provide your details for
    auto-payment registration.

  • 05

    Authenticate the payment mode.

  • 06

    Get instant confirmation for
    auto-payment registration.

How it works

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Auto-payment registration flow
on the UPMS platform

Related questions

Developer resources

FAQs

Customers’ payment information will be collected at the Customer Operating Unit’s end. Details such as card number, account number etc. will not be passed to other third party platforms. Only the payment mode will be shared with the Biller/Biller Operating Unit/Bharat BillPay Central Unit.

For auto-payment, if the payment is under the recurring amount limit as per the regulator (RBI) for that payment mode, authentication is not required at the time of payment. For view & pay, customers need to initiate and authenticate the transactions each time.

There is no amount limit set by UPMS for auto-payment registration. However, the amount limit set by RBI for the respective payment modes will apply.

In the case of multiple registrations, payment requests are accepted on a ‘first in, first out’ basis, as received from Customer Operating Units.

The Customer Operating Unit shares a cancellation or modification request with the Central Unit when the customer cancels registration from all Agent Institutions under it. If the customer has active registration with even one Agent Institution, their registration is live at the Customer Operating Unit.

UPMS initiates the skip payment notification API to all registered Customer Operating Units and their Agent Institution apps after a successful payment response API is received from the Biller.