Recurring payments (UPI AutoPay mandates) can quietly drain your wallet if you forget about them — but you can stop them instantly and take back control of your money.

1️⃣ 🧠 What Are UPI AutoPay Mandates?

UPI AutoPay lets you set up automatic recurring payments for things like:

OTT subscriptions (Netflix, Hotstar, Spotify)

Mobile and utility bills

Loan EMIs

Gym or tuition fees

Insurance premiums

Once authorised, these are debited automatically from your bank account as per the schedule you chose.

2️⃣ 🔍 Why You Should Check Your AutoPay Mandates Now

Sometimes you forget that you agreed to a subscription or a recurring payment — and it keeps debiting even after you stop using the service. That’s money leaking away every month if you don’t act.

3️⃣ 🛑 Instantly Stop Recurring UPI Payments (All Major Apps)

📱 Paytm

Open the Paytm app

Go to Profile → Automatic Payments

See all active mandates

Select the one you want to stop

Tap Cancel/Stop AutoPay and confirm with UPI PIN

📱 PhonePe

Open PhonePe

Go to Profile → Manage Payments → AutoPay

View current recurring payments

Tap the one to stop

Hit Cancel Mandate and confirm

📱 Google Pay

Open Google Pay

Tap your profile picture → AutoPay

Find the active mandate

Choose Pause or Cancel

Enter your UPI PIN to confirm

👉 Cancelling any mandate stops future debits right away.

4️⃣ 🌐 Check & Cancel All UPI AutoPay Mandates in One Place

A newer official feature lets you view all UPI recurring payments tied to your mobile number (across apps) from a central portal — making it easier to spot and cancel unwanted charges.

👉 This means you don’t have to check each app separately — you can see all your mandates in one dashboard once your apps are updated to the latest versions.

5️⃣ 📌 Important Tips Before You Cancel

✅ Cancel before the due date – if you wait until the payment day, the transaction might already be processed for the cycle.
✅ Cancelling a mandate stops future payments, but doesn’t always cancel the subscription with the service — log into the service (e.g., Netflix) and cancel it there too.
✅ If an app doesn’t show the mandate, check your bank’s app or net‑banking — many banks list UPI mandates too.

6️⃣ 🛟 Safety & Control: You’re in Charge

You can modify, pause, or cancel recurring mandates anytime.

No money can be debited without your one‑time approval and UPI PIN when the mandate was created.

Many apps now alert you 24 hours before a debit occurs so you can act if needed.

✅ Bottom Line

If money keeps vanishing from your UPI account, it’s likely due to active recurring payments. You can stop all of them instantly using your UPI app’s AutoPay/Mandates section or a centralized mandate view — saving you money and giving you back control.

 

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The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.