How to Check and Cancel UPI AutoPay in GPay, PhonePe, Paytm

You can see every UPI AutoPay mandate on your account inside the app where you set it up, usually under Profile and then AutoPay. From there you can pause a mandate for a few weeks or cancel it for good by entering your UPI PIN. Cancelling stops future debits only, so money already taken will not come back automatically.

AutoPay is useful for OTT plans, mobile recharges, SIPs and insurance premiums. The problem is that people forget about old mandates, and a free trial quietly turns into a monthly charge. Here is how to find and stop them in Google Pay, PhonePe, Paytm and BHIM, along with the rules that protect you.

What is UPI AutoPay

UPI AutoPay lets a merchant debit your bank account on a schedule after you approve a mandate once with your UPI PIN. NPCI lists mobile bills, electricity bills, EMIs, OTT subscriptions, insurance and mutual funds as common uses.

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A mandate stays live until its end date, until you cancel it, or until the merchant cancels it. Deleting the merchant’s app does not cancel the mandate.

How to check and cancel AutoPay in Google Pay

These steps are from the Google Pay India help page.

1. Open Google Pay and tap your profile picture at the top right.
2. Tap Autopay. You will see three tabs: Live, Pending and Completed.
3. Under Live, tap a mandate to see its start and end dates, frequency and past debits.
4. To stop it for a while, tap Pause autopay, choose the start and end dates and enter your UPI PIN.
5. To stop it permanently, tap Cancel autopay and enter your UPI PIN.

Cancelled and expired mandates move to the Completed tab. Loan mandates cannot be cancelled from Google Pay. For those, you have to contact the lender.

How to pause or remove AutoPay in PhonePe

1. Open PhonePe and tap your profile picture on the home screen.
2. Under Payment Management, tap AutoPay.
3. Select the mandate you want to change.
4. Tap Pause to stop it for a set period, or Remove AutoPay to cancel it.
5. Confirm with your UPI PIN.

PhonePe’s terms say that debits are declined while a mandate is paused. Some mandates can only be paused or revoked at the merchant’s request, so if the option is greyed out, cancel from the merchant’s app or website.

How to cancel AutoPay in Paytm

1. Open Paytm and tap your profile icon.
2. Go to UPI and Payment Settings.
3. Tap Automatic UPI Payments to see your active mandates.
4. Select a mandate and choose the option to cancel or revoke it. A pause option appears only for some mandates.
5. Enter your UPI PIN to confirm.

Paytm advises cancelling a few days before the next due date, because a debit that has already been requested may still go through. Menu names can change slightly between app versions.

How to cancel AutoPay in BHIM

In the BHIM app, mandates are listed in the Mandates section, with separate tabs for pending and active ones. Open the active mandate, choose revoke or cancel, and confirm with your UPI PIN. BHIM’s built-in assistant can also show mandates and help you pause or cancel them.

Can you see all mandates from one app?

In October 2025, NPCI asked banks and UPI apps to let users view and manage all their AutoPay mandates from any UPI app, and to let users move a mandate from one app to another. The deadline for this was 31 December 2025. The rollout has been uneven, and not every app shows mandates created elsewhere yet.

NPCI’s UPI Help assistant, available through member banks and UPI apps, can also list active mandates and help you pause or revoke them. If you cannot find a mandate in one app, check the app you used when you first subscribed.

Rules that protect you

24-hour notice before every debit

Under RBI’s e-mandate rules, which were extended to UPI in January 2020, you must get a pre-debit notification at least 24 hours before the money is taken. It should show the merchant, amount and date. You can use this notice to skip that debit or cancel the mandate. Setting up, changing or cancelling a mandate is free.

Limits without a UPI PIN

The Rs 15,000 limit was set by RBI in June 2022, and the Rs 1 lakh limit for the three categories came in December 2023. Above these limits, each debit needs your UPI PIN.

What to do if AutoPay took money you did not approve

1. Cancel the mandate right away in your UPI app so no more debits happen.
2. Cancel the subscription with the merchant too. Cancelling the mandate does not end the plan on the merchant’s side.
3. Raise a complaint in the UPI app. In Google Pay, open the mandate, tap the menu at the top right and choose Get help.
4. Escalate to your bank if the app does not fix it. NPCI’s dispute redressal page lists the order: UPI app, then the app’s bank, then your own bank, then NPCI.
5. Go to the RBI Ombudsman at cms.rbi.org.in if your bank does not reply within 30 days or you are not happy with its reply.

If the debit looks like fraud and not a forgotten subscription, report it to your bank the same day and call the cybercrime helpline 1930. Our guide on how to report cyber fraud explains the steps.

What about IPO mandates?

When you apply for an IPO through UPI, you approve a one-time mandate that blocks the amount in your account. Only the amount for shares you are allotted is debited and the rest is released. You can revoke an IPO mandate through your broker while the issue is open.

Safety tips

• Never approve a mandate request you did not start. Scammers send collect and mandate requests that look like refunds.
• Check your AutoPay list once every few months and remove anything you no longer use.
• Read the pre-debit SMS instead of ignoring it. It is your last chance to stop a payment.

Fake mandate requests are a common trick in sale-season fraud, as we explained in our piece on UPI and OTP scams. A two-minute check of your AutoPay list now can save you from months of small charges you never noticed.