Flow Advisory | Autopay Presentations

Subject: Release Note : Auto re-presentation for failed UPI AutoPay presentations.

Date - 24th Aug 2026.

This is to inform you that, we are introducing Auto Re-presentation for UPI AutoPay mandate presentations to help improve your presentation success rates. This advisory outlines, how you can enable/opt for auto representation.

What is changing ?

When a mandate presentation fails with a technical error code eligible for re-presentation (per NPCI guidelines), Decentro will now automatically retry the presentation up to 2 additional times, giving a total of 3 attempts per presentation cycle.
This is expected to materially improve success rates for presentations that fail due to transient technical reasons at the remitter bank or NPCI.

How to enable it ?

Add the following optional flag to your Pre-Debit Notification (PDN) request:
The optional Flag is = auto_represent_on_failure: true/false

{  
  "reference_id": "…",  
  "decentro_mandate_id": "…",  
  "amount": 14999,  
  "debit_date": "2025-10-25",  
  "auto_represent_on_failure": true  \<--- Optional Field  
}

Type: Boolean
Default - false (no re-presentation; failures remain terminal, as today)
true: Decentro will attempt re-presentation as per the rules below

No other changes are required in your integration to opt in.

Validations :

Re-presentation will be triggered only when all of the following hold:auto_represent_on_failure is true in the PDN request
The failure error code is on the eligible-for-re-presentation list.
The mandate is active, the PDN is valid, and no new PDN has been created for the same mandate
All re-presentations occur within the same calendar day (T) as the first PDN presentation.
For presentation re-attempt, count of presentation attempts should be ≤ 3 for next re-presentation to be attempted.
Interval between attempts is ≥ 1 hour.

Not supported:

Daily frequency mandates
Instant (5-minute) presentations
One-time mandates (at launch)

Note : There are no other structural changes to the callback schema. For a particular presentation which is eligible for re-presentation once the due to technical decline, you will be receiving multiple callbacks (one for each attempt).

Action required from you

For auto-representation: start sending auto_represent_on_failure: true in your PDN requests from the effective date.
Manual re-presentations: the 1-hour minimum gap between attempts will now be enforced. Requests within the 1-hour window will be rejected.

Please reach out to us if you need any further clarity on the same.
Thank you.