Learn how to cancel a UPI mandate on popular apps like Google Pay, PhonePe, and Paytm. Follow these easy steps to stop recurring payments.
What is the Process for UPI Mandate Cancellation?
Unified Payments Interface (UPI) has revolutionized digital transactions by offering a seamless, real-time payment platform. Among its many features, the UPI mandate enables users to authorize recurring payments directly from their bank accounts, simplifying monthly bill payments, subscriptions, and more. But what if you want to stop a UPI auto-debit or cancel recurring payments?
This guide covers the complete process to cancel UPI mandates on Google Pay, PhonePe, Paytm, and BHIM UPI, ensuring you regain control over automatic payments.
What is a UPI Mandate?
A UPI mandate allows users to set up automatic, recurring payments for subscriptions or services, eliminating the need to approve each transaction manually. Once set up, these auto-debits are deducted from the user’s bank account on specified dates.
Despite its convenience, users may want to cancel UPI mandates for various reasons:
- Service Cancellation: If you no longer use the service.
- Financial Control: Avoid unexpected deductions and maintain a clearer budget.
- Security Concerns: Prevent unauthorized transactions.
Why Should You Cancel a UPI Mandate?
There are several practical reasons to revoke a UPI mandate:
- Service Cancellation: Discontinue a service no longer in use.
- Better Financial Management: Keep unwanted payments from impacting your financial control.
- Prevent Unauthorized Payments: Eliminate the possibility of unknown transactions linked to your account.
- Avoid Inactivity Charges: End payments on services or subscriptions you may have forgotten about.
Step-by-Step Guide: How to Cancel UPI Mandates on Google Pay, PhonePe, and Paytm
This section walks you through how to cancel UPI mandates on popular apps, allowing you to easily stop UPI auto-debits across multiple platforms.
1. How to Cancel a UPI Mandate on Google Pay
Google Pay makes it simple to view and cancel UPI mandates from within the app.
Steps:
- Open Google Pay and navigate to the menu.
- Select Payments and go to the Mandates section.
- Find the mandate you wish to delete.
- Tap on the mandate, then choose Cancel or Revoke to finalize the UPI mandate cancellation.
This process will also stop any recurring payments on Google Pay tied to that mandate.
2. How to Stop a UPI Mandate on PhonePe
PhonePe users can cancel recurring payments and auto-debits through a simple process.
Steps:
- Launch the PhonePe app and go to My Money.
- Select UPI Mandates to view all active mandates.
- Choose the mandate you want to cancel and tap Cancel.
- Confirm to complete the UPI mandate cancellation.
Following these steps will ensure that recurring payments on PhonePe are halted.
3. How to Remove a UPI Mandate on Paytm
To cancel Paytm mandates and stop auto-debit transactions, follow these steps:
Steps:
- Open Paytm and go to the Passbook section.
- Select Mandates under Payment Methods.
- Locate the mandate to be canceled and tap Cancel.
- Confirm your selection to stop future payments.
This effectively removes the mandate, preventing further auto-debits on Paytm.
4. How to Cancel a UPI Mandate on BHIM UPI
BHIM UPI users can also revoke UPI mandates directly through the app.
Steps:
- Open the BHIM UPI app and go to Mandates.
- Find the specific mandate you wish to delete.
- Tap Cancel to remove the mandate and stop auto-payments.
With BHIM, UPI mandate removal is streamlined, also this will allow you to cancel recurring payments effortlessly.
How to Stop Auto-Debit from Bank Account
In cases where the UPI app does not provide an option to stop auto-debit directly, users may also need to initiate the auto-debit cancellation through their bank:
- Visit your bank’s mobile banking app or website.
- Go to the Standing Instructions or Recurring Payments section.
- Locate the payment you wish to cancel and select Cancel Auto-Debit.
If issues arise, contacting customer support can help resolve any difficulties in stopping recurring payments via your bank.
How to Check UPI Mandate Status
Before deleting a UPI mandate, check if it’s still active. Most UPI apps, like Google Pay, PhonePe, and Paytm, allow users to review their mandates. Also, these step ensures you’re aware of any ongoing auto-debits before taking further action.
- Navigate to the Mandates section of your preferred UPI app.
- Review active mandates, including the transaction history and details.
Common UPI Apps and Their Mandate Cancellation Process
With the rise of digital payments, apps like Google Pay, PhonePe, Paytm, and BHIM UPI have streamlined the management of UPI mandates. Whereas, most of these apps provide in-app options to revoke UPI mandates, saving users time and offering control over automatic payments.
Other key elements in the UPI mandate process include:
- UPI PIN: Used to authorize transactions.
- Virtual Payment Address (VPA): Linked to your bank account.
- Merchant ID: Identifies the entity receiving payments.
Also, verify all mandate details before proceeding with cancellation to avoid any confusion.
How to Stop Auto-Debit on UPI Apps
For Google Pay, PhonePe, Paytm, or BHIM UPI, follow the app-specific steps mentioned above to stop auto-pay. If no cancellation option is found within the app:
- Use your bank’s app or website to request cancellation.
- Contact customer support for additional help with UPI auto-pay cancellations.
Conclusion: Take Control of Your UPI Mandates
Managing UPI mandates effectively is essential for maintaining financial control. Also, by following the above steps, users can successfully cancel UPI mandates across Google Pay, PhonePe, Paytm, and BHIM UPI. Regularly reviewing and canceling unused mandates ensures your finances remain secure and organized.
Moreover, if you need further assistance, consider contacting customer support on your UPI app or reaching out to your bank’s helpline.
Here are direct customer support links for each app to help with UPI mandate cancellation:
- Google Pay Customer Support: Google Pay Help Center
- PhonePe Customer Support: PhonePe Help Center
- Paytm Customer Support: Paytm Help Center
These links provide access to troubleshooting guides, FAQs, and direct contact options for assistance with managing or canceling UPI mandates on each platform.
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