AU Small Finance Bank
AU Small Finance Bank
Payments for 20+ categories and services
All Bharat BillPay categories, including utility bills, loans, credit card payments, FASTag etc., are supported on UPMS platform.
Customers can either set a one-time 'Auto-pay' mandate or a 'View & pay' mandate.
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.
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
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
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
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.
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
Outsource your mandate management system
Receive bill push for all registered customers
Real-time and efficient bill presentment
No unnecessary reminders to customers if a bill is paid
Enhanced customer retention on your platform
More efficiency due to reduced bill-fetch volumes
One API-integration for mandate registrations
Collect auto-payment mandates via multiple apps
No scope for tedious refund processes
Offer auto-payment on your own platform or website
FASTag account holders can set an auto top-up mandate based on a minimum balance trigger, to clear toll lines easily.
Customers with active OTT accounts can auto-renew their subscription plans.
Customers can auto-debit part or full instalment payments.
Credit card holders can auto-debit full or minimum amount, avoiding late payment fees.
How to register for an
Open a payment platform and
select the Biller.
Enter your Customer ID or mobile
number and get the bill details.
Select the option to register for
auto-payment and proceed.
Provide your details for
Authenticate the payment mode.
Get instant confirmation for
How it works
Auto-payment registration flow
on the UPMS platform
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.