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Introduction

If you’re living in India, chances are you already use UPI (Unified Payments Interface) almost every day—whether it’s paying for groceries, mobile recharges, or electricity bills. To make things even smoother, UPI Autopay was launched. It allows you to set up recurring payments for things like OTT subscriptions, insurance premiums, EMIs, gym memberships, and more.

But here’s the catch: many people activate it without fully understanding how it works. And when they want to cancel, they often have no clue where to start.

In this blog, we’ll break down:

What UPI Autopay is
How it works
Pros and cons
And most importantly, how you can cancel it if you don’t need it anymore.

What is UPI Autopay?

UPI Autopay is a feature launched by NPCI (National Payments Corporation of India).

It lets you set up automatic recurring payments up to ₹5,000.
Example: If you have a Netflix plan of ₹499/month, UPI Autopay will deduct it automatically every month.
You don’t need to enter your UPI PIN every single time.
Almost every UPI app—Google Pay, PhonePe, Paytm, BHIM, Amazon Pay—supports this feature.

How Does UPI Autopay Work?

The process is pretty straightforward:

When you sign up for a subscription (like Hotstar, Zee5, or Spotify), you’ll see an option: “Pay using UPI Autopay.”
You select your UPI ID (like xyz@upi).
Enter your UPI PIN once to authorize.

After that, payments are deducted automatically on the scheduled date.
A notification is sent to you 24 hours before each debit.

Advantages of UPI Autopay

Convenience – No need to remember due dates or enter details every time.
No Missed Payments – Your EMI, insurance, or OTT bill gets paid on time.
Safe & Secure – NPCI and your bank handle the authentication.
Flexibility – You can pause or cancel anytime with just a few taps.

Disadvantages of UPI Autopay

Overspending – Since payments are automatic, you may forget about them.
Risk of Fraud – If you approve an unknown app, money can get deducted.
Limitations – Currently capped at ₹5,000 per transaction.
Glitches – Sometimes payments fail or get debited twice (rare but possible).

How to Cancel UPI Autopay (Step-by-Step)

If you’ve accidentally activated UPI Autopay or no longer need it, canceling is super easy.

Open your UPI app (PhonePe, Paytm, Google Pay, etc.).
Go to “Autopay” / “Mandates” / “Subscriptions.”
You’ll see all your active subscriptions.
Select the one you want to stop.
Tap on “Cancel Autopay” or “Pause.”
Confirm, and you’re done!

FAQs

Q1. Is UPI Autopay available on all apps?
👉 Yes, most popular UPI apps support it.

Q2. What if I don’t have enough balance on the due date?
👉 The payment will fail, and you’ll get a notification.

Q3. Can I manage multiple subscriptions at once?
👉 Absolutely, you can add as many as you want.

Q4. Do I need to pay anything to cancel?
👉 Nope. Canceling is completely free.

Final Thoughts

UPI Autopay is a game-changer for digital payments in India. It saves you time, ensures bills are paid on time, and makes life more convenient.

But here’s my honest advice:

Use it smartly. If you forget about subscriptions, you might end up paying for things you don’t even use.
Always check your active mandates once in a while.
And if you ever feel a subscription isn’t worth it, cancel immediately.

Handled properly, UPI Autopay can actually make your personal finance life much easier.

UPI Autopay – How It Works and How to Cancel It