How to cancel UPI mandate on Debit Card or Credit Card?

UPI mandates have become a popular tool for automating recurring payments. However, circumstances may arise where you need to cancel a UPI mandate linked to your debit card. In this article, I am going to discuss how you can cancel UPI mandate on your debit card.

Before going further, let’s understand what UPI Mandate are: UPI mandates are essentially an instruction given by a user to the bank, authorizing recurring payments to a particular user. These mandates can be set up for various purposes, such as domain name renewal, utility bill payments, subscription services, loan EMIs, and many more. Once authorized, the designated amount is automatically debited from the user’s bank account at certain predefined intervals without requiring manual intervention from the user side.

Reasons for cancellation of a UPI Mandate?

There could be several reasons why someone might want to cancel a UPI mandate. Some of the common reasons are listed below.

1. Change in Financial Conditions or Priorities: Your financial conditions or priorities may change, causing the cancellation of certain recurring payments of UPI mandate.
2. Security Issues: If you suspect any unauthorized activity or security breach related to a UPI mandate, it’s impossible to cancel it immediately.
3. Service or subscriptions No Longer Required: If you no longer require the services or subscriptions associated with the mandate, cancelling it can help you avoid unnecessary deductions.

Steps to Cancel a UPI Mandate

Now, let’s take you through the step-by-step guide of cancelling a UPI mandate linked to your debit card:

1. Open Your UPI App: First of all, Opem the UPI enabled mobile banking app provided by your bank such as Google Pay, PhonePe, Paytm, or BHIM.
2. Login and Navigate to Mandates Section of your mobile banking app: Enter your credentials to log in to your account. Once logged in, navigate to the ‘Mandates’ or ‘AutoPay’ section. This section typically contains a list of all your active mandates.
3. Locate the Desired Mandate: From the list of active mandates, identify the one you want to cancel. The mandates are usually listed along with details such as the beneficiary’s name, frequency of payment, and the amount.
4. Select the Mandate for Cancellation: Tap on the mandate you want to cancel to view its details and options.
5. Initiate Cancellation: Look for the option to cancel the mandate within the mandate details. This option is usually labeled as ‘Cancel Mandate’. Click on it to initiate the cancellation process.
6. Confirm Cancellation: After selecting the cancellation option, the app may prompt you to confirm your decision. Review the details once again to ensure you’re cancelling the correct mandate, and then proceed to confirm the cancellation.
7. Enter UPI PIN or Authentication: Depending on the app and your bank’s security protocols, you may be required to enter your UPI PIN or provide other authentication details to finalize the cancellation.
8. Receive Confirmation: Once the cancellation is successfully processed, you should receive a confirmation message or notification confirming the termination of the UPI mandate.
9. Verify Cancellation Status: To ensure that the mandate has been cancelled successfully, you can navigate back to the mandates section and verify that the cancelled mandate no longer appears in the list of active mandates.

How to cancel UPI mandate on ICICI bank done through any UPI App?

I’m gonna tell you the step by step guide created through Google Pay. It is almost same for every UPI Payment app. So you can follow below guide for any UPI app.

• First of all, Go to the UPI app from where mandate was initaiated.
• After that, click the profile icon at the right top of your UPI app.
• Once there, click the bank account or UPI from where mandate or auto pay was initiated.
• Once you got there, there you will find a option of UPI Mandate or Auto Pay.
• Click on it and there you will find all the details of mandate like its amount, period, etc.
• Click the mandate that you want to cancel and there you will get a option to Cancel the mandate.
• Click on it and that’s it. The UPI mandate is cancelled.

You will most probably get a confirmation regarding the same on your registered email or your registered phone shortly.

Cancelling UPI mandate when created directly through bank like SBI and HDFC bank:

• First of all, Go to the mobile banking app or internet banking of the bank from where mandate was created.
• After that, click the profile icon at the right top of your mobile banking app or internet banking.
• Once there, click the bank account from where mandate or auto pay was initiated.
• Once you got there, there you will find a option of UPI Mandate or Auto Pay.
• Click on it and there you will find all the details of mandate like its amount, period, etc.
• Click the mandate that you want to cancel and there you will get a option to Cancel the mandate.
• Click on it and that’s it. The UPI mandate has been cancelled.

Final Thoughts

Cancelling a UPI mandate on your debit card is a simple yet crucial process that ensures you maintain control over your financial transactions. Whether it’s due to changing needs, security concerns, or any other reason, being able to manage your mandates efficiently adds an extra layer of security and flexibility to your banking experience. By following the steps outlined in this guide, you can easily cancel unwanted UPI mandates and regain control over your finances.