This page may contain stale information. Last updated: 2026-06-12
Definition
UPI mandates are India’s pre-authorization framework allowing consumers to approve recurring or conditional payments upfront — including one-time mandates and Reserve Pay block-and-debit mechanisms regulated under NPCI’s Unified Payments Interface.
Key Points
- Traditional UPI requires MPIN/biometric auth per transaction
- Mandates enable delegated payment authority within defined limits
- p3p-protocol extends mandates to AI agent execution without per-transaction human auth
- Foundation for agent-delegated-payments at India scale
P3P Integration
- Customer creates mandate via UPI deep link approval
- AI agent monitors conditions (price, inventory, rules)
- Agent triggers payment within mandate limits
- Audit trail and revocation remain with user