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How to Cancel a UPI Mandate: A Step-by-Step Guide

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Unified Payments Interface (UPI) has revolutionized the way we handle financial transactions, providing a seamless and secure platform for transferring money and making payments. One of the features that UPI offers is the ability to set up mandates. UPI mandates are pre-authorized transactions that allow automatic debits from your bank account at specified intervals. While these mandates are convenient, there might be times when you need to cancel them. In this blog post, we will walk you through the process of canceling a UPI mandate.

What is a UPI Mandate?

A UPI mandate is a digital standing instruction set up by the user to allow recurring payments or debits from their bank account. These are commonly used for subscriptions, loan repayments, utility bills, and other periodic payments. Mandates simplify the payment process by automating transactions, ensuring timely payments without manual intervention.

Reasons to Cancel a UPI Mandate

There are several reasons why you might need to cancel a UPI mandate:

  • Subscription Cancellations: If you no longer use a service or subscription that you had set up a mandate for.
  • Incorrect Mandate Setup: If the mandate was set up incorrectly or with incorrect details.
  • Fraud Prevention: If you suspect any fraudulent activity or unauthorized mandate setup.
  • Change in Payment Method: If you want to switch to a different payment method or account.

Steps to Cancel a UPI Mandate

Canceling a UPI mandate can be done through the UPI-enabled app you used to set up the mandate. Here’s a step-by-step guide for some of the most popular UPI apps:

Google Pay

  1. Open Google Pay: Launch the Google Pay app on your smartphone.
  2. Go to Profile: Tap on your profile picture in the top right corner.
  3. Navigate to Settings: Select ‘Settings’ from the menu.
  4. Go to UPI Settings: Tap on ‘UPI settings’ under the settings menu.
  5. Select Mandates: Find and select ‘Mandates’.
  6. View Active Mandates: You will see a list of your active mandates. Select the mandate you wish to cancel.
  7. Cancel Mandate: Tap on ‘Cancel mandate’ and confirm your choice. The mandate will be canceled, and you will receive a confirmation notification.

PhonePe

  1. Open PhonePe: Launch the PhonePe app on your smartphone.
  2. Navigate to My Money: Tap on ‘My Money’ at the bottom of the screen.
  3. Select AutoPay: Under the ‘Payments’ section, find and select ‘AutoPay’.
  4. View Active Mandates: You will see a list of your active mandates. Select the mandate you wish to cancel.
  5. Cancel Mandate: Tap on ‘Cancel’ and confirm your choice. The mandate will be canceled, and you will receive a confirmation notification.

Paytm

  1. Open Paytm: Launch the Paytm app on your smartphone.
  2. Go to UPI & Wallet: Tap on ‘UPI & Wallet’ from the home screen.
  3. Select UPI Mandates: Find and select ‘UPI Mandates’ from the menu.
  4. View Active Mandates: You will see a list of your active mandates. Select the mandate you wish to cancel.
  5. Cancel Mandate: Tap on ‘Cancel mandate’ and confirm your choice. The mandate will be canceled, and you will receive a confirmation notification.

BHIM App

  1. Open BHIM App: Launch the BHIM app on your smartphone.
  2. Navigate to Mandates: From the home screen, select ‘Mandates’.
  3. View Active Mandates: You will see a list of your active mandates. Select the mandate you wish to cancel.
  4. Cancel Mandate: Tap on ‘Cancel’ and confirm your choice. The mandate will be canceled, and you will receive a confirmation notification.

Tips for Managing UPI Mandates

  • Regular Monitoring: Keep track of your active mandates to ensure that they are accurate and necessary.
  • Timely Cancellations: Cancel mandates promptly if you no longer need them to avoid unnecessary debits.
  • Check Notifications: Pay attention to notifications from your UPI app about upcoming or failed mandate payments.
  • Secure Your Account: Ensure that your UPI PIN and account details are secure to prevent unauthorized mandate setups.

Conclusion

UPI mandates are a convenient way to manage recurring payments, but it’s essential to know how to cancel them when they are no longer needed. Whether you use Google Pay, PhonePe, Paytm, or the BHIM app, the process to cancel a UPI mandate is straightforward. By following the steps outlined in this guide, you can easily manage and cancel your UPI mandates, ensuring that your transactions are always under your control. Stay informed and secure with your UPI transactions to enjoy the full benefits of digital banking.

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