In short: UPI AutoPay for jewellers lets a customer approve one recurring mandate, after which IRA ORA collects the monthly instalment automatically on the due date and marks it paid — turning collections into a hands-off process.
What is UPI AutoPay for jewellers?
UPI AutoPay is a recurring-payment feature of UPI that lets a customer pre-authorise a fixed payment, which is then debited automatically on a schedule. For a jeweller, this is the difference between chasing every instalment and never thinking about it: a customer on a gold savings scheme or monthly instalment plan approves the mandate once in their own UPI app, and from then on their payment arrives on the due date, every month, on its own.
IRA ORA brings UPI AutoPay into your collection workflow. The mandate is tied to the customer's plan, each auto-debit is recorded against their instalment schedule, and the payment is marked paid automatically — so your ledger stays accurate with zero manual work.
How it works
1. Send the request
Share the AutoPay request with your customer over WhatsApp, straight from their plan.
2. Customer approves once
They approve the mandate in their own UPI app — fixed amount, fixed monthly date.
3. Auto-debit every month
The instalment is collected automatically on the due date — no reminder needed.
4. Marked paid for you
Each payment is recorded against the plan and the instalment is marked paid in IRA ORA.
Customer stays in control
The mandate is created and approved entirely in the customer's UPI app, with a fixed amount and frequency they can see. They can pause or cancel it at any time — which keeps trust high and makes customers comfortable opting in.
Manual collection vs UPI AutoPay
| Each month | Manual / reminder only | UPI AutoPay with IRA ORA |
|---|---|---|
| Reminders to send | Every customer, every month | None for AutoPay customers |
| Follow-up calls | Frequent | Rare |
| Payment timing | Whenever the customer gets to it | On the due date, automatically |
| Marking paid | Manual entry | Automatic |
| Cash-flow predictability | Variable | Steady and predictable |
Why jewellers love AutoPay collections
- Zero follow-ups for customers on AutoPay — the payment simply arrives.
- On-time, every time — instalments are debited on the due date without fail.
- Accurate ledger — each debit is recorded and reconciled automatically.
- Your money, your account — collections settle to you through regulated payment partners.
UPI AutoPay is most powerful alongside gold savings schemes and instalment management, with WhatsApp reminders as a fallback for customers who prefer to pay manually.
Frequently asked questions
What is UPI AutoPay for jewellers?
UPI AutoPay lets a customer authorise a recurring mandate once, after which their monthly instalment is debited automatically on the due date. For jewellers, it means gold savings and instalment payments are collected on time without sending reminders.
Is UPI AutoPay safe for customers?
Yes. The mandate is set up and approved in the customer's own UPI app, with a fixed amount and frequency, and the customer can pause or cancel it at any time from their UPI app.
Does the money come to the jeweller directly?
Yes. Collections are processed by regulated payment partners and settle to the jeweller's own account. IRA ORA is software and does not hold your money.
What happens if a customer has no balance on the due date?
If an auto-debit cannot be completed, IRA ORA records it and can send a WhatsApp reminder with a payment link so the customer can pay manually, so nothing is missed.
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Collect instalments on autopilot
Turn on UPI AutoPay for your trusted customers and let the money arrive every month.