How to Delete/Cancel UPI Mandate

Setting up a UPI mandate can be a convenient way to automate payments for subscriptions or recurring expenses. Whether it’s a streaming service, a gym membership, or a utility bill, autopayments ensure you never miss a due date. But what happens when you no longer need the service or prefer to manage payments manually? You might decide it’s time to cancel the mandate and take back control of your transactions. If you’re wondering how to stop these automatic payments, this guide will walk you through the process step by step.

Why Cancel a UPI Mandate?

Cancelling a UPI mandate can be a smart move if you want to stop automatic payments that you no longer need or want. It gives you more control over your finances by ensuring you're not being charged for things you forgot about or no longer use. Keep in mind that UPI Mandate and UPI Autopay mean the same thing, so don’t worry if the terms are used interchangeably. By cancelling a mandate, you take back the power to decide when and where your money is spent, helping you stay on top of your budget and avoid unexpected charges.

How to Cancel UPI Mandate

If you no longer need a mandate or wish to stop recurring payments, cancelling it is a simple process. Here's a step-by-step guide to help you through it:

Step 1. Open Your UPI App

Start by opening the UPI app where the mandate was created. Make sure you log in using your credentials or verify your identity through your preferred method, such as a PIN or biometric authentication.

Step 2. Locate the Mandate Section

Once inside the app, look for a section dedicated to mandates or recurring payments. This is usually found in the settings menu or under payment options, depending on the app you are using.

Step 3. View Active Mandates

In the mandate section, you will see a list of all the active mandates linked to your account. These will include details such as the name of the service or merchant and the amount and frequency of payments.

Step 4. Select the Mandate to Cancel

Scroll through the list and choose the specific mandate you want to cancel. Tap on it to open more details about the payment authorisation.

Step 5. Initiate the Cancellation

Within the details of the selected mandate, you will find an option to cancel it. Select this option to start the cancellation process. The app might ask for confirmation or additional verification, such as entering your UPI PIN, to proceed.

Step 6. Confirmation of Cancellation

After initiating the cancellation, the app will display a confirmation message or prompt. Carefully review the information to ensure you are cancelling the correct mandate, then confirm your action.

Step 7. Receive Confirmation

Once the cancellation is complete, you will receive a notification or message confirming that the mandate has been successfully cancelled. This may also appear in your app’s transaction history or be sent to your registered email or phone number.

By following these steps, you can easily stop a UPI mandate and take control of your recurring payments. Regularly reviewing your active mandates is a good habit to ensure your subscriptions and payments match your current needs.

How to Cancel UPI Mandate on GPay

If you’ve set up a UPI mandate on Google Pay but no longer need it, cancelling it is straightforward. Follow these steps to remove the mandate from your account:

• Step 1. Open the Google Pay App: Start by launching the Google Pay app on your phone. Make sure you’re logged in with the account linked to the UPI mandate you want to cancel.
• Step 2. Go to Your Profile: Tap on your profile picture located in the top-right corner of the app's home screen. This will open up your account settings.
• Step 3. Find the Autopay Section: Scroll down slightly until you see the option labelled "Autopay." Tap on it to access the list of all active mandates tied to your account.
• Step 4. Select the Mandate to Cancel: In the Autopay section, you’ll see all the mandates you've set up. Browse through the list and tap on the specific mandate you want to remove.
• Step 5. Cancel the Mandate: Once you’ve selected the mandate, you’ll see an option that says “Cancel Autopay.” Tap on it to stop the recurring payments associated with that mandate. Confirm your choice if prompted.

After completing these steps, the selected mandate will be cancelled, and no further payments will be made automatically from your account.

How to Delete UPI Mandate on BHIM UPI

If you no longer need a BHIM UPI mandate or want to stop a recurring payment, cancelling it is easy. Here's how you can do it step by step:

• Step 1. Open the BHIM App: Start by launching the BHIM app on your smartphone. Make sure you’re logged in using your credentials.
• Step 2. Go to the “Services” Section: Once the app opens, locate the “Services” option on the main menu and tap on it.
• Step 3. Select “Mandate”: In the Services section, you will find the “Mandate” option. Click on it to view the list of mandates linked to your UPI account.
• Step 4. Check Pending or Active Mandates: Here, you’ll see two tabs—one for Pending Mandates and another for Active Mandates. Browse through these tabs to find the specific mandate you want to cancel.
• Step 5. Choose the Mandate to Cancel: Once you find the mandate, select it to open more options.
• Step 6. Click on the Three Vertical Dots:Look at the top-right corner of the screen. Tap the three vertical dots for further actions.
• Step 7. Tap on “Revoke”: From the available options, choose “Revoke.” Confirm your decision, and the selected mandate will be cancelled.

How to Cancel UPI Mandate on CRED

If you want to disable the UPI mandate on the CRED app, follow these steps:

• Step 1. Open the CRED app: Start by launching the CRED app on your phone.
• Step 2. Go to "Explore CRED": Once you're on the home screen, tap on the "Explore CRED" section. You’ll find this towards the top of the app.
• Step 3. View all options: Tap on the "View all" button to see more options.
• Step 4. Navigate to Settings: Scroll down and look for the "Settings" option. Tap on it to open the settings menu.
• Step 5. Access Payment Settings: In the settings menu, find and tap on "Payment settings." This is where you can manage all payment-related features.
• Step 6. Manage UPI Account: Tap on "Manage your UPI account" to proceed with UPI-related settings.
• Step 7. Disable Autopay: Here, you will see the "Autopay" section. Tap on it to view all the active auto-pay services linked to your account.
• Step 8. Cancel Autopay: Find the service you want to cancel, tap on it, and then choose the option to cancel it. This will stop any future automatic payments for that service.

Closing Thoughts

Cancelling a UPI mandate is a simple process that helps you regain control over your recurring payments. By following the steps for your specific app, you can easily stop unwanted charges and manage your finances better. It's always a good idea to periodically review your mandates to ensure you're only paying for what you need.

Frequently Asked Questions (FAQs)

1. Can I reactivate a cancelled mandate?

   Yes, you can set up a new mandate through your UPI app if you want to reactivate or reissue a payment. This involves creating a new request, as the previous one would be cancelled and cannot be reused.

2. Is there a fee for cancelling a UPI mandate?

   Generally, there is no fee for cancelling a UPI mandate. However, it’s always a good idea to check with your bank or payment service provider, as there could be exceptions depending on the institution.

3. How long does it take for a mandate cancellation to take effect?

   In most cases, the cancellation of a mandate is processed immediately. However, it can take a few days for the changes to be fully reflected in your account, so it’s best to allow some time for the update.