UPI Autopay: Is money being deducted from auto-pay? Read here for easy steps to stop it

Jyoti — Mon, 23 Jun 2025 04:07:29 +0000

How to Stop UPI Autopay: Have you ever had a situation where your bank account was low on funds and upon checking, you found that an old subscription or service was still deducting money? If so, it’s possible that you had activated UPI Autopay at some point and now forgot.

Nowadays people use AutoPay for services like mobile recharge, electricity bill, OTT platforms (like Netflix, Amazon Prime) or insurance premiums. It eliminates the hassle of making repeated payments. But the problem arises when you stop using that service and still the money keeps getting deducted every month.

So let’s know how you can stop UPI Autopay in a few seconds and avoid unnecessary charges.

What is UPI Autopay?

It is a digital facility that allows you to set an ‘e-Mandate’ for any service through UPI. Once you enable AutoPay for any service, the payment will be automatically deducted from your account on the due date – without any reminders or manual process.

What purposes is it used for?

Mobile or DTH recharge
Electricity or water bill
Insurance premium
EMI or loan installment
Mutual Fund SIP
Gym fees or online class fees

How to turn off AutoPay mandate?

If you are no longer using that service and don’t want the money deducted, follow these easy steps:

1. Open your UPI app – like PhonePe, Google Pay, Paytm etc.

2. Go to the Settings or Profile section.

3. Tap on the ‘Autopay’ or ‘Mandate’ option.

4. A list of all active services will appear.

5. Select the service you want to stop.

6. Click ‘Cancel’ or ‘Revoke’.

After doing just this, the money will not be automatically deducted from that service.

What to do if money is deducted by mistake?

If a payment has been deducted without your knowledge and you have not used that service, first contact that company’s customer care. Some companies offer the option of a refund within 24 to 72 hours.

If you do not get help from the company, you can also contact your bank and request to block such transactions.

Caution is the only prevention.

Think twice before setting up autopay for any new service.
Keep checking for old and unused subscriptions from time to time.
Don’t ignore bank SMS or UPI notifications.

UPI Autopay certainly makes our digital lives easier, but it is important to use it wisely. Otherwise, money will keep getting deducted unnecessarily every month and we won’t even notice. So go to your UPI app today and check the active orders and immediately close the ones that are not needed.

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Good news! RBI increases automatic payment limit via UPI to Rs 1 lakh

Pravesh Maurya — Tue, 19 Dec 2023 10:10:44 +0000

UPI: If you also make automatic payment through UPI, then there is good news for you. The Reserve Bank of India (RBI) on Tuesday increased the limit for automatic payment through UPI from Rs 15,000 to Rs 1 lakh per transaction for some categories.

According to media report, mutual funds have also been included in its scope. NPCI has provided the facility of UPI AUTOPAY for recurring payments. With this new feature, customers can now enable recurring e-mandate using any UPI application for recurring payments like mobile bills, electricity bills, EMI payments, entertainment/OTT subscriptions, insurance, mutual funds etc.

These were also included in the scope of payment

According to the news, till now there has been relaxation in ‘Additional Factor of Authentication’ (AFA) while executing e-instructions/standing instructions on cards, prepaid payment instruments and UPI (Unified Payments Interface) for recurring transactions above Rs 15,000.

There is approval. In a circular issued on ‘Execution of e-instructions for recurring transactions’, RBI said it has decided to increase the per transaction limit for mutual fund subscription, payment of insurance premium and credit card bill payment to Rs 1,00,000. Has gone.

Governor Shaktikanta Das had announced

Reserve Bank Governor Shaktikanta Das, during the bi-monthly monetary policy review last week, had announced increasing the limit for automated transactions through UPI from Rs 15,000 to Rs 1 lakh. With more than 11.23 billion transactions in the month of November, UPI has emerged as the preferred method of digital payment for a large section of the population.

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application, merging multiple banking features, seamless fund routing and merchant payments under one hood.

The post Good news! RBI increases automatic payment limit via UPI to Rs 1 lakh first appeared on Rightsofemployees.com.

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