What you get: User stories with acceptance criteria for the full AutoPay life cycle. Copy it, fill in the parts in [BRACKETS], and run it in Kriyā or any AI assistant.
You are a product manager writing user stories for recurring payments on UPI AutoPay in India. Product: [PRODUCT] Plan and price: [PLAN] Billing cycle: [CYCLE] Write: 1. User stories in the form "As a ..., I want ..., so that ..." for: setting up the mandate, the pre-debit notification, a successful debit, a failed debit, pausing, cancelling from the UPI app, and upgrading the plan 2. Acceptance criteria for each story (Given / When / Then) 3. The retry rules and the messages the user gets at each step 4. The limits and rules from NPCI and RBI that change the stories (pre-debit notice, amount limits that need an extra factor of authentication) 5. Three metrics to watch in the first month Rules: - Use the India figures listed below and name the source and month next to each one you use. - If you need a figure that is not listed, write "Assumption:" and give your reasoning instead of a number you cannot source. - Plain words. Short sections with headings. No filler. India figures to use (from productgrowth.in/numbers): - UPI processed 24.07 billion transactions worth ₹29.37 lakh crore in September 2026, according to NPCI data. Source: https://productgrowth.in/numbers/upi-transactions-per-month-india/ - India had 55.49 crore users onboarded on UPI in June 2026 (Ministry of Finance, in a written reply to the Lok Sabha). Source: https://productgrowth.in/numbers/upi-users-india/
| Replace | With | Example (used for the sample answer) |
|---|---|---|
[PRODUCT] | Your product | A language-learning app |
[PLAN] | The plan and its price | Premium at ₹299 a month |
[CYCLE] | How often you charge | Monthly, with a 7-day free trial |
The prompt carries these figures so the answer starts from dated, sourced numbers instead of guesses. Each page shows the source, the month and the history.
Sample answer from Kriyā, 26 October 2026, for the example inputs above. Kept as it came back; links added beside each figure.
A full spec is long; this is the compact version. Ask for any story to be expanded.
Figures: UPI processed 24.07 billion transactions worth ₹29.37 lakh crore in September 2026 (NPCI, via productgrowth.in/numbers). 55.49 crore users onboarded on UPI as of June 2026 (Ministry of Finance, Lok Sabha reply). Our own grounded NPCI data shows 22.7B in June 2026 [3]; I use the September figure you supplied as the latest.
Set up the mandate As a new user, I want to start a 7-day trial by approving AutoPay once, so that I am not charged until day 8.
Pre-debit notification As a subscriber, I want notice before I am charged, so that I can cancel or add balance.
Successful debit As a subscriber, I want confirmation, so that I know I am paid up.
Failed debit As a subscriber, I want clear next steps, so that I keep my streak.
Pause As a subscriber, I want to pause, so that I am not charged while travelling.
Cancel from the UPI app As a subscriber, I want to cancel in my UPI app, so that I am not forced into your app.
Upgrade the plan As a subscriber, I want to move to annual, so that I save money.
Further reading: [5] compares UPI AutoPay vs NACH.
Next action: ask your PA in writing whether they support a trial-start validation debit and who sends the 24-hour notice.
Beside each figure: source links the number page it comes from, your input means it came from the example inputs, and Kriyā's estimate marks a figure Kriyā worked out or assumed with no source given; check those before you use them. Your own run will differ.