Mastering Razorpay UPI Autopay: How to Run ₹199/mo Subscriptions in India

### Why UPI Autopay Transformed Indian SaaS Credit card penetration in India remains under 5%, and traditional debit card e-mandates suffer from high decline rates and cumbersome 2FA re-authentications. Enter **UPI Autopay**: students authorize a recurring mandate once inside PhonePe, Google Pay, or Paytm, and subsequent debits happen automatically on schedule. #### Key Integration Guidelines: - Always store the `razorpay_subscription_id` and maintain an audit log of `payments`. - Verify all incoming webhooks using the HMAC-SHA256 signature against your secret. - Implement a 3-day grace period on `payment.failed` before suspending student video access.