UPI AutoPay Terms

Document: UPI-AUTOPAY-T&C-2026 · Gateway: Razorpay UPI AutoPay / UPI e-Mandate · Applicable to monthly rental billing (and AMC/subscription where offered).

1. What is UPI AutoPay?

UPI AutoPay lets you authorise
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(via Razorpay) to debit your UPI ID automatically every month for the agreed instalment — typically on the
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0th — without opening checkout each time. First registration needs UPI PIN approval; later debits follow RBI/NPCI rules.

2. Main condition — do not cancel before return

Compulsory understanding: You must not close / cancel / pause / revoke the UPI AutoPay mandate from PhonePe, Google Pay, Paytm, BHIM or your bank app until the rented asset is returned to
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(return request → pickup → refund calculation → company cancels mandate).

If you cancel AutoPay without return:

• Rental agreement may be treated as breached / terminated for cause;
• Security deposit may be forfeited until return and settlement;
• You remain liable for pending rent, early-return penalties (if any), damage, asset recovery up to the declared asset value (default guide
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  for typical 1.5T split AC unless your order states another value), penalty
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  , and legal charges
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  ;
• You may be blocked from new rentals until dues are cleared;
• We may send legal notice and pursue recovery as permitted by law.

We cannot technically stop bank/UPI apps from letting you cancel (RBI customer right). Enforcement is by signed consent + security + asset liability + webhook alerts + legal process.

3. Amount, date, duration

• Amount: fixed monthly instalment shown on your order (UPI plan — no card surcharge).
• Debit day:
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  0th of each month (or next banking window if holiday/retry).
• Duration: until remaining rent schedule completes, or asset is returned and mandate cancelled by company, or you lawfully revoke (which triggers non-return process if asset is still with you).

4. Failure handling (0 UPI PG fail surcharge)

• Auto debit on due day → retry next window → second retry → then marked failed.
• You must pay via in-app pay link / UPI QR / approved cash collection within 3 days; collection extra
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  may apply for field collection.
• Insufficient balance, wrong PIN, bank decline, or daily UPI limit can cause failure — same retry + manual pay path.
• If failure reason is mandate cancelled by customer and asset not returned → urgent alert to you and admin (see Clause 2).

5. Return → pause → cancel

1. Give ~7 days return notice in app / support.
2. Pickup with condition photos + OTP verification.
3. Refund = security − (early-return slab + extra days + damage) as per your plan; wallet adjustments if any.
4. After verified pickup: mandate ACTIVE → PAUSED → CANCELLED by company; no further AutoPay charge; confirmation email/SMS/app notification.

6. Consent

By choosing UPI AutoPay at checkout (or registering later) you confirm you have read these terms and the combined Auto-pay / ECS terms, authorise recurring UPI debits for the instalment, and agree not to dispute valid consented charges as “unauthorised rental”.

Also see: Credit Card AutoPay Terms · General Terms