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. PhonePe may also let users pause and unpause eligible AutoPay mandates, in addition to revoking them.

Key Takeaways

• Revoking an eligible mandate stops future authorised debits, subject to the mandate type, merchant terms, and applicable rules, but a refund for money already taken has to come from the merchant, as 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, and 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 through NPCI's UPI AutoPay feature for recurring payments such as utility bills, EMIs, OTT subscriptions, insurance premiums, and mutual fund investments. You give your approval once by using your UPI PIN and after that, there is no more need for any intervention from your end.

How to Stop Autopay in PhonePe?

The process is the same for Android & iOS Users. Here are the six steps:

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

Why Can't I Just Pause Autopay in PhonePe?

Depending on the mandate type and merchant, PhonePe may allow you to pause and later resume an AutoPay mandate, as pointed out in PhonePe terms and conditions. 

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 spelt out in RBI's own press release on the framework.

A Real Example of What a Forgotten Mandate Costs

Rohit Sharma from Pune set up a ₹499 monthly OTT mandate in January 2025. He cancelled the actual subscription in June but never touched the PhonePe mandate. PhonePe kept pulling ₹499 every month for five more months, ₹2,495 gone before he noticed. Once he found the AutoPay menu, deleting it took him under two minutes.

Conclusion 

Six taps and a PIN, that's the whole job: Profile, Payment Settings, AutoPay, Delete. What trips people up isn't the deletion itself; it's forgetting PhonePe can't pause anything, only kill it outright. Take a look at your AutoPay list every two months, and you will stop paying for something you have long abandoned.

Frequently Asked Questions

1. How do I stop AutoPay in PhonePe?

Profile > Payment Settings > AutoPay, pick the mandate, tap Delete AutoPay, confirm with your UPI PIN.

2. Can I pause PhonePe autopay instead of deleting it? 

No. Depending on the mandate type and merchant, PhonePe may provide an option to pause and later resume the AutoPay mandate.

3. Will PhonePe refund money already deducted through autopay? 

No, that has to go through the merchant. PhonePe doesn't reverse completed debits.

4. Does cancelling autopay affect my credit score? 

Not directly. It only becomes a problem if you forget to pay an EMI manually afterwards.

5. What is the time period for which PhonePe gives notice before making an autopay deduction?

At least 24 hours, according to RBI e-mandate regulations.

6. What is the maximum amount that can be deducted automatically from PhonePe accounts?

₹15,000 for all kinds except mutual fund investments, insurance, and credit card payments, which is ₹1 lakh.

7. Can I delete autopay from one merchant without affecting the others? 

Yes, since each mandate is independent of the other in the AutoPay list.

8. Will deletion of the PhonePe mandate lead to cancellation of my subscription? 

No, both are different concepts. You need to cancel your subscription separately from the provider.

9. Is it the same as UPI mandate revocation?

Yes, deleting it in the app revokes the mandate with your bank at the same time.

10. Can I set up autopay again after deleting it? 

Yes. Choose Set UPI AutoPay the next time you check out with that merchant.