{"id":4398,"date":"2025-01-17T16:31:54","date_gmt":"2025-01-17T11:01:54","guid":{"rendered":"https:\/\/in.nttdatapay.com\/blog\/?p=4398"},"modified":"2025-07-10T11:13:00","modified_gmt":"2025-07-10T05:43:00","slug":"pros-and-cons-of-auto-debit-payment","status":"publish","type":"post","link":"https:\/\/in.nttdatapay.com\/blog\/pros-and-cons-of-auto-debit-payment\/","title":{"rendered":"Auto Debit Payment: Advantages and Disadvantages (eNach and UPI Auto Pay)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">With the rapid digitisation of payments in India, auto debit payments have become a popular option for recurring payments like utility bills, EMIs, subscriptions, etc. In this blog, we will explore the advantages and disadvantages of auto debit payments.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Overview on Auto Debit Payment<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">Auto debit allows customers to set up standing instructions with <\/span><span style=\"font-weight: 400;\">merchants<\/span><span style=\"font-weight: 400;\"> to automatically debit payments from their bank accounts on due dates. This ensures payments are made on time without any hassles.\u00a0<\/span> \u00a0<\/p>\r\n<p><span style=\"font-weight: 400;\">The two most popular auto debit payment options available in India currently are\u00a0<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Automated Clearing House (NACH)<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unified Payments Interface (UPI).<\/span><\/li>\r\n<\/ul>\r\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2460-o1\" lang=\"en-GB\" dir=\"ltr\" data-wpcf7-id=\"2460\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/4398#wpcf7-f2460-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2460\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_GB\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2460-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"cus-form\">\n\t<p style=\"font-size: 24px;font-weight: 600;text-align: center;\">Enquire Now\n\t<\/p>\n\t<p><label>Products Required:<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"products\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" name=\"products\"><option value=\"Payment Gateway\">Payment Gateway<\/option><option value=\"POS Machine\">POS Machine<\/option><option value=\"Reseller\">Reseller<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"uname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"uname\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"10\" rows=\"3\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea form-control\" aria-invalid=\"false\" placeholder=\"Message\" name=\"message\"><\/textarea><\/span><br \/>\n\t\n\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"utm\" value=\"\" type=\"hidden\" name=\"utm\" \/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n\t<\/p>\n<\/div>\n<style>\n.cus-form .form-control{width: 100%!important;margin: 7px 0px;padding: 8px;border-radius: 3px;height: auto;line-height: 20px;}\n.cus-form{display: block;margin: 0 auto;max-width: 400px;width: 100%;padding: 20px;box-shadow: 0px 0px 4px 0px #0000002b;border-radius: 6px;margin-bottom: 25px;padding-bottom: 0px;}\n.cus-form .wpcf7-submit{margin: 0 auto;display: block;}\n.cus-form h3{background: #ff6644;text-align: center;margin: -21px;margin-bottom: 20px;padding: 6px;}\n<\/style>\n<p><script>\ndocument.getElementById(\"utm\").value = window.location.href;\n\ndocument.addEventListener( 'wpcf7mailsent', function( event ) {\n location = 'https:\/\/in.nttdatapay.com\/blog\/thankyou\/';\n}, false );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n<h2><span style=\"font-weight: 400;\">What are auto debit payments?<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">Auto debit payments, also known as autopay or <a href=\"https:\/\/in.nttdatapay.com\/blog\/what-is-recurring-payment\/\">recurring payments<\/a>, refer to payments that are automatically deducted from a customer&#8217;s bank account on a predefined schedule. With auto debit payment, customers do not need to remember due dates and make payments manually.\u00a0<\/span><\/p>\r\n<h3><span style=\"font-weight: 400;\">What is eNach?\u00a0\u00a0<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">eNach or Electronic National Automated Clearing House, is an auto debit payment system facilitated by NPCI or National Payments Corporation of India. It is mainly used to collect recurring bill payments like electricity, telephone, loan EMIs, insurance premiums, etc.\u00a0<\/span> \u00a0<\/p>\r\n<h3><span style=\"font-weight: 400;\">What is UPI Auto Pay?<\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">UPI Auto Pay is the auto debit payment feature available on the <a href=\"https:\/\/in.nttdatapay.com\/blog\/how-to-make-upi-payments-without-the-internet\/\">UPI or Unified Payments Interface platform<\/a>. It allows customers to set recurring payments to merchants directly from their UPI-linked bank account.\u00a0<\/span><\/p>\r\n<h2 style=\"text-align: center;\"><span id=\"Recent_Web_Stories\">Recent Web Stories<\/span><\/h2>\r\n\t\t<div class=\"web-stories-list alignnone has-archive-link is-view-type-circles is-style-default is-carousel\" data-id=\"1\">\n\t\t\t<div\n\t\t\tclass=\"web-stories-list__inner-wrapper carousel-1\"\n\t\t\tstyle=\"--ws-circle-size:150px\"\n\t\t\t>\n\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"web-stories-list__carousel circles\"\n\t\t\t\t\tdata-id=\"carousel-1\"\n\t\t\t\t\tdata-prev=\"Previous\"\n\t\t\t\t\tdata-next=\"Next\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/future-of-digital-currency-how-to-use-cbdc-in-india\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"Future of Digital Currency: How to Use CBDC in India\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-311x414.jpg 311w, 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>\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"What Are UPI Transaction Mistake?\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/book-tickets-on-irctc-with-international-debit-credit-cards\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-640x853.jpg\"\n\t\t\t\t\t\talt=\"Book Tickets on IRCTC with International Debit &#038; Credit Cards\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-149x199.jpg 149w, 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>\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"How To Create a Payment Gateway API?\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div tabindex=\"0\" aria-label=\"Previous\" class=\"glider-prev\"><\/div>\n\t\t\t\t\t<div tabindex=\"0\" aria-label=\"Next\" class=\"glider-next\"><\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\r\n<h2><span style=\"font-weight: 400;\">Difference between eNach &amp; UPI Auto Pay<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">The key differences between the two popular auto debit payment methods are:<\/span> \u00a0<\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><b>Parameter<\/b><\/td>\r\n<td><b>eNach<\/b><\/td>\r\n<td><b>UPI Auto Pay<\/b><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Full Form<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Electronic National Automated Clearing House<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Unified Payments Interface AutoPay<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Operated By<\/span><\/td>\r\n<td><a href=\"https:\/\/in.nttdatapay.com\/blog\/rbi-guidelines-for-processing-international-auto-debit-on-cards\/\"><span style=\"font-weight: 400;\">National Payments Corporation of India (NPCI)<\/span><\/a><\/td>\r\n<td><span style=\"font-weight: 400;\">National Payments Corporation of India (NPCI)<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><a href=\"https:\/\/in.nttdatapay.com\/blog\/pay-later-and-cardless-emi-payment-modes\/\"><span style=\"font-weight: 400;\">Payment Mode<\/span><\/a><\/td>\r\n<td><span style=\"font-weight: 400;\">Debit to bank account<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Debit to bank account<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Mandate<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">One time mandate for recurring payments<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">No mandate is required, one-time approval for each transaction<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><a href=\"https:\/\/in.nttdatapay.com\/blog\/payment-gateway-transaction-limits\/\"><span style=\"font-weight: 400;\">Limit per Transaction<\/span><\/a><\/td>\r\n<td><span style=\"font-weight: 400;\">No limit<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Up to Rs. 5,000 per transaction<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Limit per Day<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">No limit<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Aggregate limit of Rs. 20,000 per day<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Convenience<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Requires registration and mandate setup<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">No registration or mandate is required, one-click approval<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Applicable For<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Recurring payments like utility bills, EMI payments<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">One-time or recurring payments like utility bills, subscriptions, EMI payments<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Supported Banks<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">All banks<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Most banks<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Refunds<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Need Manual Intervention<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Easier &amp; faster<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Digital Experience<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Relies on physical processes<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Seamless digital experience<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><span style=\"font-weight: 400;\">Advantages of Autopay<\/span><\/h2>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Convenience &#8211; <\/b><span style=\"font-weight: 400;\">No more worrying about due dates and making manual payments regularly. Payments are processed automatically.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Time-saving &#8211; <\/b><span style=\"font-weight: 400;\">Saves time spent on making recurring payments manually every month.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Avoid late fees &#8211;<\/b><span style=\"font-weight: 400;\"> Ensures on-time payments and avoids late payment fees and penalties.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Improved cash flow management &#8211;<\/b><span style=\"font-weight: 400;\"> Payments are spread evenly throughout the month or year.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Easy dispute management &#8211;<\/b><span style=\"font-weight: 400;\"> Transactions and payment details are recorded digitally, making disputes easier to resolve.<\/span><\/li>\r\n<\/ul>\r\n<h2><span style=\"font-weight: 400;\">Disadvantages of Autopay\u00a0<\/span><\/h2>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lack of control &#8211;<\/b><span style=\"font-weight: 400;\"> Cannot stop a payment at the last moment if funds are insufficient in the account.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Risk of fraud &#8211;<\/b><span style=\"font-weight: 400;\"> There is a risk of funds getting debited without customer consent in case of security issues.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mistakes cannot be undone &#8211;<\/b><span style=\"font-weight: 400;\"> Once auto debit payment is processed, it cannot be reversed, unlike manual payments.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Need to update bank details &#8211;<\/b><span style=\"font-weight: 400;\"> If the card or account is replaced, auto debit details need to be changed with merchants.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Difficulties in cancelling &#8211;<\/b><span style=\"font-weight: 400;\"> The process of cancelling auto debit payments with merchants can be tedious in some cases.<\/span><\/li>\r\n<\/ul>\r\n<h2><span style=\"font-weight: 400;\">Access Seamless Online Payments with NTT DATA Payment Services<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">NTT DATA Payment Services provides merchants with a secure, scalable and reliable platform to facilitate all types of digital payments, including recurring\/auto-debit payments.\u00a0<\/span> \u00a0<\/p>\r\n<p><a href=\"https:\/\/www.nttdatapay.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NTT DATA Payment Services<\/span><\/a><span style=\"font-weight: 400;\"> offers a complete payment solution to advance both your offline and online businesses <\/span>from, <span style=\"font-weight: 400;\"><!-- \/wp:post-content -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul><!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/online-payment-gateway-india\" target=\"_blank\" rel=\"noopener\">Online Payment Gateway in India<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/swipecard-pos-machine\" target=\"_blank\" rel=\"noopener\">POS machines<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/ivr-payment-system\" target=\"_blank\" rel=\"noopener\">IVR payments<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li>Mobile applications, and<\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/in.nttdatapay.com\/blog\/bharat-qr-code-how-it-works-and-benefits\/\">Bharat QR Scan and Pay<\/a><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p><span style=\"font-weight: 400;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span> We <span style=\"font-weight: 400;\">ensure maximum comfort, convenience, and safety for all your payments.<\/span> \u00a0<\/p>\r\n<h2><span style=\"font-weight: 400;\">The Future of Auto Debit Payment<\/span><\/h2>\r\n<p><a href=\"https:\/\/in.nttdatapay.com\/blog\/auto-debit-vs-manual-payment-processing\/\"><span style=\"font-weight: 400;\">Auto debit payment<\/span><\/a><span style=\"font-weight: 400;\"> has become extremely popular in India due to the convenience it offers in making recurring payments without manual intervention. While NACH is widely used currently, UPI AutoPay is emerging as a better alternative due to its instant activation, seamless experience and real-time updates.\u00a0<\/span> \u00a0<\/p>\r\n<p><span style=\"font-weight: 400;\">As digitisation increases further, more and more merchants are expected to integrate UPI AutoPay, making it the preferred mode for recurring auto debit payments going forward. Proper evaluation of features and risks is important while opting for any auto debit payment method.<\/span><\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:table -->\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td style=\"text-align: center;\"><em>Also, you can get frequent updates on <a href=\"https:\/\/www.instagram.com\/nttdatapayments\/\" target=\"_blank\" rel=\"noopener\">nttdatapayments<\/a> Instagram page.<\/em><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<h2 style=\"text-align: center;\"><span style=\"font-weight: 400;\">Auto Debit Payment: FAQs<\/span><\/h2>\r\n<h4><span style=\"font-weight: 400;\">1. What are auto debit payments?\u00a0<\/span><\/h4>\r\n<p><span style=\"font-weight: 400;\">Auto debit payments refer to recurring payments that are automatically deducted from a customer&#8217;s bank account on a predefined schedule without any manual intervention.<\/span><\/p>\r\n<h4><span style=\"font-weight: 400;\">2. What is eNach?<\/span><\/h4>\r\n<p><span style=\"font-weight: 400;\">eNach or Electronic National Automated Clearing House, is an auto debit payment system facilitated by NPCI used mainly for collecting recurring bill payments like utility bills, loans, etc.\u00a0<\/span><\/p>\r\n<h4><span style=\"font-weight: 400;\">3. What is UPI AutoPay?\u00a0\u00a0<\/span><\/h4>\r\n<p><span style=\"font-weight: 400;\">UPI AutoPay allows customers to set recurring payments directly from their UPI-linked bank account in a seamless digital experience without any registration or mandate.<\/span><\/p>\r\n<h4><span style=\"font-weight: 400;\">4. What are the advantages of autopay?<\/span><\/h4>\r\n<p><span style=\"font-weight: 400;\">Autopay offers convenience, saves time, avoids late fees, improves cash flow management and makes dispute management easier.<\/span><\/p>\r\n<h4><span style=\"font-weight: 400;\">5. What are the disadvantages of autopay?\u00a0<\/span><\/h4>\r\n<p><span style=\"font-weight: 400;\">Autopay lacks control, has fraud risks, mistakes cannot be undone, bank details need updating, and cancelling can be tedious in some cases.<\/span><\/p><!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>With the rapid digitisation of payments in India, auto debit payments have become a popular option for recurring payments like utility bills, EMIs, subscriptions, etc. In this blog, we will&#8230; <!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":4688,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,16],"tags":[176],"class_list":["post-4398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","category-payment","tag-auto-debit-payment"],"_links":{"self":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/4398","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/comments?post=4398"}],"version-history":[{"count":2,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/4398\/revisions"}],"predecessor-version":[{"id":4405,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/4398\/revisions\/4405"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media\/4688"}],"wp:attachment":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media?parent=4398"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/categories?post=4398"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/tags?post=4398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}