UPI
UPI has made recurring payments simple. Subscriptions, EMIs, OTT plans, all of it can run automatically through a mandate. But there are times when you want to stop those payments.
In this blog, we will take a look at how to cancel a UPI mandate, what you should keep in mind before doing it, and how the process works on some of the most popular apps in India today.
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.
Important Things to Keep in Mind While Cancelling an E-Mandate
Before you cancel any mandate, it helps to pause for a minute and understand what happens next. Here are a few things worth keeping in mind.
Keep Proper Records
Once you cancel a mandate, make sure you save any confirmation messages, emails, or screenshots. If something goes wrong later, like an unexpected deduction, these records can help you raise a complaint with proof.
It Stops Future Payments
Cancelling a mandate means all future auto-debits under that instruction will stop. If you still need the service later, you will have to set up a fresh mandate again. There is no “resume” button for the old one.
The Action Cannot Be Reversed
When you cancel a mandate, it is usually permanent. You cannot undo it instantly. If you change your mind, the only option is to create a new mandate from scratch.
Watch for Notifications
Most apps and banks send a confirmation once the mandate is cancelled. Keep an eye on SMS or app notifications. If you do not receive any update, it is better to check the status manually inside the app.
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.
How to Cancel a Mandate on PhonePe
If you are using PhonePe, the process is fairly simple. You just need to know where to look.
Here’s how you can do it step by step:
Step 1: Open the app and log into your account
Step 2: Tap on your profile icon at the top left
Step 3: Scroll down to find the section related to payments or autopay settings
Step 4: Open the list of mandates linked to your account
Step 5: Choose the specific subscription or merchant mandate you want to cancel
Step 6: Tap on the option to remove or disable autopay
Step 7: Confirm your action and enter your UPI PIN
Once done, the mandate is removed and no future payments will be processed under it.
How to Cancel a Mandate on Paytm
For users of Paytm, the steps are slightly different but just as straightforward.
Here’s how it works:
Step 1: Open the Paytm app and go to the home screen
Step 2: Tap on your profile icon
Step 3: Head into UPI and payment settings
Step 4: Look for the section that shows active mandates or autopay instructions
Step 5: Select the mandate you want to cancel
Step 6: Choose the cancel or revoke option
Step 7: Enter your UPI PIN to confirm
After confirmation, the mandate will be cancelled and auto-payments will stop.
Common Reasons Why a UPI Mandate Might Fail
Sometimes, mandates do not go through as expected. Here are a few common reasons.
Low Account Balance
If your account does not have enough funds at the time of deduction, the payment will fail. This is one of the most common issues.
Incorrect Setup Details
If there was an error while setting up the mandate, like wrong account details or limits, the transaction may not process properly.
Temporary Technical Issues
Server problems, app downtime, or bank-related delays can also cause mandate failures. These are usually temporary but can still interrupt payments.
Expired Mandate
Some mandates are valid only for a certain period. Once that duration ends, the mandate becomes inactive and payments stop automatically.
Why Someone May Cancel a UPI Mandate
Not every mandate runs forever. In fact, most people end up cancelling a few over time. Here are some common situations where cancelling makes sense.
Service Is No Longer Needed
If you have stopped using a subscription or service, there is no point keeping the mandate active.
Budget Concerns
If you are trying to cut down on expenses, cancelling auto-payments can help you manage your monthly outflow better.
Unexpected Deductions
If you notice incorrect or extra charges, cancelling the mandate is often the first step before raising a complaint.
Change in Payment Method
Some people prefer switching to manual payments or using a different app or bank account.
Security Reasons
If you feel your account details might be at risk, cancelling mandates can give you some peace of mind.
Not Happy with the Service
If the service quality drops or does not meet expectations, cancelling the mandate is a natural step.
Change in Needs
Your requirements may change over time. What felt useful earlier may not be necessary now.
Switching Providers
If you move to a different service provider, you will need to cancel the existing mandate and set up a new one.
Closing Thoughts
UPI mandates are convenient, but they should not run unchecked. It is always a good idea to review your active mandates once in a while and remove the ones you no longer need.
The process itself is simple for all the popular apps. What really matters is knowing when to stop a payment and taking action at the right time. If you prefer a more streamlined way to handle everyday payments, you can also try Freo UPI. It keeps things simple, gives you clear visibility, and helps you stay in control without extra effort.
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Frequently Asked Questions (FAQs)
Can I reactivate a cancelled mandate?
No, once a mandate is cancelled, you cannot reactivate it. You will need to create a new one.
Is there a fee for cancelling a UPI mandate?
In most cases, there is no charge for cancelling a mandate. It is usually free.
How long does it take for cancellation to take effect?
It is often immediate, but in some cases, it may take a few hours depending on the bank or platform.
Will I receive confirmation after cancellation?
Yes, most apps and banks send a confirmation via SMS or in-app notification.
Can I modify a mandate instead of cancelling it?
Some platforms allow minor changes, but usually, if you want to change major details, cancelling and setting up a new mandate is the easier option.
Naina Rajgopalan
Naina Rajgopalan has a thing for numbers and a deep fascination to learn about all things finance. She's been money-wise from a young age and has always shared her knowledge and tips with those around her. Being a part of the content team at Freo, a neobank that offers flexible and customised financial products, along with benefits such as insurance on balance, safe & secure banking, and so on, Naina stays updated with the latest of what happens in the banking and fintech industries. She has taken upon herself to share her knowledge with readers across all walks of life to help them manage their finances and budgets better, so they can make better decisions while spending, borrowing, investing and saving.
