In today's digital payment ecosystem, subscription-based services have become a part of everyday life. From video streaming platforms and music apps to cloud storage services and online memberships, many users rely on automatic payment options for convenience. However, these recurring payments can sometimes continue long after a service is no longer being used, resulting in unnecessary deductions from bank accounts.

Many consumers sign up for free trials or monthly subscriptions and forget to disable the AutoPay feature later. As a result, money continues to be deducted automatically every month without attracting much attention. Fortunately, users can easily review and cancel active AutoPay mandates through popular UPI payment apps such as PhonePe, Google Pay, and Paytm.

What Is UPI AutoPay?

UPI AutoPay is a feature that allows users to authorize recurring payments for subscriptions, utility bills, insurance premiums, and other scheduled transactions. Once a mandate is approved, payments are automatically processed on the due date without requiring manual approval each time.

While this system offers convenience, it can also lead to avoidable expenses if unused subscriptions remain active.

Why You Should Check Active AutoPay Mandates

Experts recommend reviewing recurring payment mandates regularly to avoid unwanted deductions. Users often forget about subscriptions after a free trial period ends or when they stop using a service.

Keeping track of active mandates can help:

• Prevent unnecessary monthly charges
• Improve personal budgeting
• Avoid paying for unused services
• Maintain better control over bank account transactions

The good news is that most UPI apps provide a simple option to manage or cancel AutoPay mandates directly from the app.

How to Disable AutoPay on PhonePe

PhonePe users can remove recurring payment permissions through the app's settings section.

Steps to follow:

1. Open the PhonePe application on your smartphone.
2. Tap your profile icon located at the top-left corner.
3. Scroll down and select the Payment Settings section.
4. Choose the AutoPay option.
5. A list of active AutoPay mandates will appear.
6. Select the subscription or service you want to stop.
7. Tap the "Remove AutoPay" button.
8. Enter your UPI PIN to confirm the request.

Once completed, future automatic payments for that service will be canceled.

How to Cancel AutoPay on Google Pay

Google Pay also allows users to manage recurring mandates directly within the application.

Follow these steps:

1. Launch the Google Pay app.
2. Tap your profile picture in the top-right corner.
3. Scroll down and select the AutoPay or Mandates section.
4. View all active recurring payment permissions.
5. Choose the mandate you want to disable.
6. Tap "Cancel Mandate" or "Pause."
7. Verify the action using your UPI PIN.

After confirmation, automatic deductions linked to that mandate will stop.

How to Remove AutoPay on Paytm

Paytm users can also review and disable active recurring payments in just a few steps.

Here's how:

1. Open the Paytm application.
2. Tap the profile icon.
3. Go to "UPI & Payment Settings."
4. Scroll down and select "UPI Automatic Payments."
5. Review the list of active subscriptions.
6. Select the service you no longer want to pay for automatically.
7. Tap "Remove" or "Cancel" to deactivate the mandate.

The recurring payment authorization will be withdrawn after successful confirmation.

Simple Step to Protect Your Money

As digital subscriptions continue to grow, regularly reviewing AutoPay settings has become an important financial habit. A quick check every few months can help users identify forgotten subscriptions and avoid unnecessary expenses.

By managing recurring payment mandates through PhonePe, Google Pay, or Paytm, consumers can maintain better control over their finances and ensure that money is only being spent on services they actively use.