How do I automate UPI payments for personal expenses

I want to automate certain payments through scripts. mainly for personal reasons. what is the best way to automate ?

so lets say i want to send some money to some number, i can type in terminal

`upi send 9954312345 5000`

it should send without any password.

mainly looking for information on what API providers are there, is it only banking apps that can do this? can we have sandboxed version so it works for 1 developer or 1 account.