TL;DR: To cancel an active UPI AutoPay mandate on PhonePe, go to Profile > AutoPay Settings > Select Mandate > Remove AutoPay. On Google Pay, tap Profile > Autopay > Live Mandates > Pause/Cancel. On Paytm, go to Profile > UPI & Payment Settings > Automatic Payments > Cancel. Canceling an AutoPay mandate is completely free, instant, and revokes merchant debit permissions with your bank immediately.
Recurring auto-debit mandates (UPI AutoPay) make paying for OTT streaming services (Netflix, Disney+ Hotstar, Spotify) and mutual fund SIPs effortless.
However, once you decide to cancel a free trial, switch broadband providers, or halt recurring gym memberships, merchants often make in-app cancellation tricky. Even if you uninstall their mobile app, the underlying UPI AutoPay mandate remains active with your bank, leading to unwanted monthly deductions.
In this step-by-step tutorial, we show you how to revoke and cancel UPI AutoPay mandates directly inside Google Pay, PhonePe, Paytm, and your bank portal in 2026.
⚡ Quick Guide: Where to Find AutoPay in Each App
| UPI App | Navigation Path | Cancellation Time | Requires UPI PIN? |
|---|---|---|---|
| PhonePe | Profile Icon > AutoPay Settings > Select Mandate | Instant | Yes (To authenticate revocation) |
| Google Pay (GPay) | Profile Picture > Autopay > Live Mandates | Instant | Yes |
| Paytm | Profile Menu > UPI & Payment Settings > Automatic Payments | Instant | Yes |
| BHIM (NPCI) | Mandate Icon on Home > Active Mandates | Instant | Yes |
| Net Banking (SBI / HDFC / ICICI) | e-Mandate Management / UPI Dashboard | 2 – 4 hours | No (OTP based) |
1. How to Cancel UPI AutoPay on PhonePe
PhonePe is the largest UPI AutoPay processor in India. Follow these steps to delete any recurring debit:
- Open the PhonePe app and ensure you are logged in.
- Tap your Profile Picture in the top-left corner.
- Under the Payment Management section, tap on AutoPay Settings.
- You will see a list of Active and Paused AutoPay mandates.
- Tap on the specific merchant or subscription you wish to terminate (e.g., Netflix, SIP, or insurance).
- At the bottom of the screen, tap Remove AutoPay (or Pause AutoPay if you only want to skip the next debit).
- Confirm the prompt and enter your 4-digit or 6-digit UPI PIN.
- A green confirmation screen will state: “AutoPay successfully removed.” Both PhonePe and your bank will send an SMS confirmation within seconds.
2. How to Cancel UPI AutoPay on Google Pay (GPay)
Google Pay categorizes recurring payments under a dedicated Autopay dashboard:
- Open Google Pay and tap your Profile Avatar in the top-right corner.
- Under the account settings menu, select Autopay.
- Under the Live tab, review all active automated subscriptions.
- Tap on the merchant mandate you want to cancel.
- Tap Cancel Autopay at the bottom of the mandate details screen.
- Verify your identity by entering your UPI PIN.
- Google Pay will send a revocation signal to NPCI. You will receive an immediate notification confirming the mandate has been revoked.
3. How to Cancel UPI AutoPay on Paytm
If you set up OTT or utility bills via Paytm, follow these steps:
- Open the Paytm app and tap the Profile Icon in the top-left corner.
- Scroll down and tap UPI & Payment Settings.
- Select Automatic Payments & Subscriptions.
- Tap on the active subscription you wish to revoke.
- Tap Cancel Automatic Payment.
- Select your cancellation reason and confirm with your UPI PIN.
🛑 What to Do If AutoPay Fails to Cancel or Gives an Error
If an app throws error code U16, U19, or “Mandate revocation failed by issuer bank”:
- Wait 24 Hours Before Due Date: RBI regulations mandate that you must cancel or pause an AutoPay mandate at least 24 to 48 hours before the scheduled debit date. If the merchant has already initiated the pre-debit clearing notification (sent 24 hours in advance), the mandate is temporarily locked until the transaction settles.
- Cancel via Net Banking (e-Mandate Portal): Log in to your bank’s desktop net banking portal (e.g., HDFC NetBanking > Cards/Accounts > Merchant Standing Instructions or SBI Online > e-Services > e-Mandates). Banks have a master switch that can kill any mandate at the core banking level without relying on the third-party app.
- Dispute Unauthorized Debits: If an amount is debited after you received an official mandate cancellation SMS, submit a chargeback request via the NPCI UPI Dispute Resolution Mechanism on
npci.org.in. Banks are legally required to refund unauthorized mandate debits within 5 business days.
❓ Frequently Asked Questions (FAQ)
Can a merchant charge my bank account after I cancel UPI AutoPay?
No. Once a mandate is cancelled in your UPI app, NPCI permanently deletes the authorization token. Any subsequent debit attempt by the merchant is automatically rejected by your bank with error code “Mandate Revoked / Not Found”.
Do I need to enter my UPI PIN to cancel an AutoPay mandate?
Yes. Entering your UPI PIN is mandatory under RBI security guidelines to prevent unauthorized or accidental cancellations of essential mandates such as loan EMIs and insurance premiums.
Will canceling AutoPay automatically cancel my merchant subscription?
Canceling an AutoPay mandate stops future bank deductions, but you should also cancel the subscription inside the merchant’s website or app to avoid pending invoice notices or account suspension.
How much fee or penalty is charged for canceling UPI AutoPay?
Zero. Canceling, pausing, or modifying a UPI AutoPay mandate is completely free of charge. Neither your bank nor UPI apps like PhonePe and Google Pay can levy any cancellation fees.
