How to Stop Autopay in PhonePe: A Complete Guide for Indian Users

Open PhonePe, tap your profile icon, go to Payment Settings, tap AutoPay, pick the mandate, and tap Delete AutoPay. Confirm with your UPI PIN and the mandate is gone. No more debits from that service after this point.

Profile > Payment Settings > AutoPay > pick the mandate > Delete AutoPay > confirm with UPI PIN. There's no pause button in PhonePe, only delete. The money that is already deducted will not be refunded via the app.

Key Takeaways

• Deleting a mandate in PhonePe kills future debits right away, but a refund for money already taken has to come from the merchant, confirmed in PhonePe's own support guide.
• The RBI e-mandate framework caps autopay debits at ₹15,000 without extra authentication, or ₹1 lakh for mutual funds, insurance, and credit card bills.

OTT plans, insurance premiums, SIPs, electricity bills, most Indians have at least one PhonePe mandate running in the background. PhonePe has a 46.2% share in the Indian UPI market as of May 2026, and thus it is the app that most people would choose. The main reason why someone would want to remove autopay is either because the subscription expired, the payment is under dispute, or the account was compromised. Below is where the AutoPay menu actually lives, what deleting a mandate does and doesn't do, and how the RBI's rules protect you either way.

What is Autopay in PhonePe?

It's a UPI mandate that lets a merchant pull a fixed or capped amount from your account on a schedule you agreed to. This facility operates on NPCI’s AutoPay feature of UPI 2.0 meant for utility bills, EMIs, and subscriptions. You give your approval once by using your UPI PIN and post that, there is no more need for any intervention from your end.

How to Stop Autopay in PhonePe?

In Six Steps; Same Process for Android & iOS Users.

1. Open PhonePe and authenticate yourself with your PIN, pattern, or fingerprint.
2. Tap the profile icon in the top-left corner.
3. Tap Payment Settings, then AutoPay.
4. Find the mandate you want gone, say a Netflix or an insurance premium.
5. Tap Delete AutoPay (some versions show Cancel Auto Debit).
6. Enter your UPI PIN.

That mandate drops off your active list the moment you confirm, matching what's laid out in this PhonePe autopay cancellation walkthrough.

Also Read: How to Cancel AutoPay on Netflix: Easy Steps to Stop Automatic Payments

Why Can't I Just Pause Autopay in PhonePe?

Because the option doesn't exist yet, PhonePe only lets you delete a mandate, not pause it, so you'd have to rebuild the whole thing later if you want it back, as pointed out in this PhonePe cancellation guide. This trips people up with seasonal payments like a yearly magazine or travel insurance you only need for a few months.

What Happens After I Cancel Autopay in PhonePe?

Everything from the next billing cycle onward stops. Anything already charged stays charged. If a debit went through before you cancelled, that's between you and the merchant, since PhonePe doesn't reverse completed payments on its own.

Does Cancelling Autopay Hurt My Credit Score?

It doesn't. Deleting a PhonePe mandate has nothing to do with your credit file. The catch comes if that mandate was paying an EMI or a card bill. Once it's gone, you're the one who has to pay it on time, manually.

What RBI Rule Governs PhonePe Autopay?

There's a debit cap, and there's advance notice. The RBI e-mandate framework requires banks to alert you at least 24 hours before any autopay debit goes through, so you get a real chance to cancel first if you want to, a rule spelled out in RBI's own press release on the framework.