upi-autopay

Schedules UPI AutoPay retries from a Bayesian belief over the customer's balance and payday - spending NPCI's four attempts when money is likely to be there, not on four consecutive days.

Recovers failed UPI AutoPay & eNACH debits: payday-timed retries, Hinglish reply understanding, a 10-rule NPCI/RBI compliance gate and a hash-chained audit log.

Zero-dependency TypeScript for the Indian recurring-payment mandate lifecycle... eNACH + UPI Autopay error codes, state machines, and money-safe retry policy.

Selective payment-retry agent showing when refusal improves efficiency and why non-transferable mandate caps strand revenue.

MyMobPay (mymobpay) — Direct-to-bank UPI payment gateway with 0% transaction fees for Indian SaaS founders. Live at https://mymob.tech