NPCI regulations mandate sending pre-debit notifications at least 24 hours before debiting a customer UPI handle. Missing this compliance window causes immediate transaction decline.
3 Mandatory Steps for UPI AutoPay Success
- Automated Pre-Debit Webhooks: Trigger NPCI-compliant SMS and WhatsApp notifications $T-24 ext{h}$ prior to billing execution.
- Smart Retry Schedules: If an account has insufficient balance at 8 AM, retry at 2 PM and 8 PM when salary credits occur.
- Grace Period Management: Give customers 48 hours to update payment methods before revoking SaaS access.
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