Want to Cancel a UPI AutoPay Mandate? Here’s How You Can Do It

UPI AutoPay has made managing recurring payments effortless - from EMIs to entertainment subscriptions. But what if you no longer need a service or want to stop automated deductions? Don’t worry. Cancelling a UPI AutoPay mandate is easy and quick. Here's a simple guide to help you out.

What is UPI AutoPay?

UPI AutoPay is a smart feature rolled out by NPCI that lets you automate regular payments using popular UPI apps like PhonePe, Google Pay, Paytm, and BHIM. Whether it’s a streaming service, utility bill, insurance premium, or SIP, AutoPay ensures timely payments without needing your manual approval every time.

Where Is UPI AutoPay Commonly Used?

You’ll usually find UPI AutoPay linked with:

• Subscriptions (like Netflix or Disney+ Hotstar)
• Monthly utility bills (electricity, mobile, water)
• Loan EMIs and insurance premiums
• Mutual fund SIPs
• Tuition fees or gym memberships

How to Cancel a UPI AutoPay Mandate

Want to stop automatic payments? Here’s what you need to do:

• Open your UPI app (PhonePe, Google Pay, Paytm, etc.)
• Head to the ‘Mandates’ or ‘AutoPay’ section in the UPI settings
• Browse through your active mandates
• Select the one you wish to cancel
• Tap on ‘Cancel’ or ‘Revoke’

That’s it! The mandate will be disabled instantly, and future payments will stop.

Can You Reverse an AutoPay Transaction?

Unfortunately, no. Once a UPI AutoPay payment is processed, it can’t be reversed like regular UPI transfers. If there’s an error, your only option is to contact the merchant directly or raise a complaint through your UPI app or bank.

Pro Tip: Check Your Mandates Regularly

To avoid accidental payments, make it a habit to review your mandates periodically. Cancel the ones you no longer use - it's a quick step that can save you money and hassle later.