How to Stop Auto Pay in PhonePe
Auto Pay in PhonePe is a useful feature when you want to pay bills, subscriptions, or EMIs automatically without manual approval every time. However, many users later realize they are being charged without noticing, especially for subscriptions they no longer use. If you are wondering how to stop Auto Pay in PhonePe, this guide will help you cancel it safely and permanently.
This article explains multiple working methods to disable Auto Pay in PhonePe and ensures no future deductions happen from your bank account.
What Is Auto Pay in PhonePe?
Auto Pay is a feature that allows merchants to automatically deduct money from your linked bank account for recurring payments. These payments can include OTT subscriptions, mobile recharges, loan EMIs, insurance premiums, or utility bills.
Once Auto Pay is activated, payments are processed automatically on the scheduled date unless you manually cancel it.
Why You Should Stop Auto Pay in PhonePe
Many users choose to disable Auto Pay for the following reasons:
Unwanted charges from unused subscriptions
Insufficient bank balance issues
Change of payment app
Merchant services no longer required
Avoiding automatic deductions
If you are facing any of these problems, stopping Auto Pay is the right solution.
Method 1: Stop Auto Pay Directly From the PhonePe App
This is the easiest and most recommended method.
Step by Step Instructions
- Open the PhonePe app on your mobile phone
- Tap on your profile icon in the top corner
- Go to Auto Pay or Subscriptions section
- You will see a list of all active Auto Pay mandates
- Select the Auto Pay mandate you want to cancel
- Tap on Stop Auto Pay or Cancel Mandate
- Confirm the cancellation using your UPI PIN
Once confirmed, the Auto Pay will be stopped immediately, and no further deductions will be made.
Important Note
Some merchants may show the mandate as active until the current billing cycle ends. However, no future payments will be processed after cancellation.
Method 2: Stop Auto Pay Through the Linked Bank Account
If you are unable to cancel Auto Pay from the PhonePe app, you can stop it directly from your bank.
Steps to Follow
- Open your bank’s mobile banking app
- Go to UPI settings or Auto Debit section
- Look for active UPI mandates
- Find the PhonePe Auto Pay mandate
- Select Cancel or Revoke Mandate
- Confirm using your bank or UPI PIN
This method is useful if the PhonePe app is not responding or the mandate is not visible inside PhonePe.
Method 3: Contact PhonePe Support (Optional)
If both methods above do not work, you can contact PhonePe customer support.
How to Contact Support
- Open PhonePe app
- Go to Help or Support
- Select Auto Pay or Subscription issue
- Choose Chat or Email support
- Provide mandate details and request cancellation
PhonePe support usually resolves Auto Pay issues within a few working days.
How to Check If Auto Pay Is Successfully Stopped
After cancellation, you should verify that Auto Pay is disabled.
You can check by going to the Auto Pay section in PhonePe. If the mandate status shows Cancelled or Inactive, your Auto Pay has been successfully stopped.
You may also receive a confirmation notification or message from PhonePe or your bank.
Common Problems While Stopping Auto Pay
Sometimes users face issues while trying to cancel Auto Pay. Below are common problems and their solutions.
Auto Pay Option Not Showing
Update your PhonePe app to the latest version and try again.
Cancellation Failed Error
Wait for some time and retry, or use the bank app method.
Money Still Deducted After Cancellation
This usually happens if the billing cycle was already processed. Contact PhonePe support immediately.
Can Auto Pay Be Restarted Later?
Yes, you can activate Auto Pay again anytime by approving a new mandate. Stopping Auto Pay does not block future subscriptions permanently.
Is It Safe to Stop Auto Pay in PhonePe?
Yes, stopping Auto Pay is completely safe. It only cancels the recurring payment permission and does not affect your PhonePe account, bank account, or UPI services.
Final Thoughts
Auto Pay in PhonePe is convenient, but it can become a problem if left unmanaged. Knowing how to stop Auto Pay in PhonePe helps you stay in control of your money and avoid unwanted charges. Whether you cancel it directly from the app or through your bank, the process is simple and secure.
Always review your active Auto Pay mandates regularly to ensure you are only paying for services you actually use.
