In today’s digital age, features like AutoPay simplify recurring payments for services such as OTT subscriptions, utility bills, insurance premiums, and more. PhonePe, one of India’s most widely used digital payment platforms, offers AutoPay to help users make automated payments effortlessly. However, while this automation is convenient, there are times when you may want to disable or cancel AutoPay. 

Maybe you’ve unsubscribed from a service, or you want more control over your finances. Either way, knowing how to stop AutoPay in PhonePe is essential. This detailed guide walks you through everything you need to know — from canceling mandates to understanding the post-cancellation process. 

What Is AutoPay in PhonePe? 

AutoPay in PhonePe is a feature that allows users to set up automatic recurring payments for bills, subscriptions, and services. Once an AutoPay mandate is activated, PhonePe deducts the specified amount on the set due date without needing your manual approval every time. 

This feature is commonly used for: 

  • OTT subscriptions like Netflix, Amazon Prime, and Disney+ Hotstar 

  • Monthly electricity, gas, and water bills 

  • Insurance premium payments 

  • Mutual fund SIPs and EMI deductions 

Although AutoPay is designed for convenience, it can become a liability if left unchecked—especially for services you no longer use or want to manage manually. 

Why Would You Want to Stop Autopay? 

  1. Service Cancellation 
    When you discontinue a subscription—say, you’ve finished a course on an OTT platform—you don’t want recurring charges for a service you no longer use. 

  1. Financial Control 
    Disabling autopay forces you to manually review and authorize each payment, helping you avoid “set-and-forget” expenses and better manage your budget. 

  1. Disputes or Refunds 
    If you’re disputing a charge or awaiting a refund, stopping autopay prevents further debits until the issue is resolved. 

  1. Seasonal Subscriptions 
    For services you only need part of the year—like an insurance policy or a magazine subscription—turning off autopay outside the active period avoids unnecessary renewals. 

  1. Security Concerns 
    Limiting autopay mandates reduces your exposure in case your PhonePe account or linked bank account is compromised 

Step-by-Step Guide: How to Stop AutoPay in PhonePe  

Disabling AutoPay in PhonePe is a simple process that can be done through the app in a few easy steps. Here’s how: 

Step 1: Open the PhonePe app and unlock it by entering your screen lock pattern, PIN, password, or using your fingerprint. 

Step 2: Scroll down to “Manage Payments” and tap on “View All” on the right side. 

Step 3: In the Payment Management section, tap on the “AutoPay” option. 

Step 4: The AutoPay section will display all your active AutoPay subscriptions. 

Step 5: Tap on the specific service or mandate you want to stop. This could be a subscription or a bill payment instruction. 

Step 6: Inside the mandate details, tap on “Delete AutoPay” (or the available option). Confirm the action when prompted. 

After successful cancellation, AutoPay will be disabled, and no further deductions will be made from your account. 

Things to Keep in Mind Before Cancelling AutoPay 

  • Billing Cycle: If you cancel AutoPay after the billing date, you may still be charged for the current cycle. 

  • Service Termination: Canceling AutoPay does not automatically unsubscribe you from the service. Visit the service provider’s website or app to cancel the subscription as well. 

  • Refunds: If the payment was deducted after cancellation, contact customer support for a refund. 

  • Multiple Mandates: Some subscriptions may create more than one mandate if changed over time. Make sure to cancel all related mandates. 

Conclusion 

Disabling AutoPay in PhonePe puts you firmly back in the driver’s seat of your finances. By opening the app, navigating to Manage Payments → AutoPay, selecting the specific mandate, and tapping Delete AutoPay, you ensure that no further debits occur without your explicit consent. Keep in mind that this action only halts the payment instruction within PhonePe; you’ll still need to cancel your actual subscription or service through the merchant’s platform to avoid any non‑PhonePe charges. 

Before you hit “Delete,” review your upcoming billing dates so you don’t incur unexpected fees for the current cycle, and confirm that all related mandates—especially those created through past subscription changes—have been removed. If a payment slips through in process, contact PhonePe or the merchant directly with your transaction details for a swift refund resolution. With these steps, you can enjoy the convenience of AutoPay where it serves you best and turn it off wherever you need tighter control. 

Frequently Asked Questions (FAQ) 

1. Can I reinstate AutoPay after cancellation? 
Yes. Simply follow the standard AutoPay setup flow under the service’s payment page or within PhonePe to create a new mandate. 

2. Will I receive a notification when AutoPay is about to execute? 
PhonePe typically sends a push notification 24–48 hours before recurring debit and again when the payment succeeds or fails. 

3. Does stopping AutoPay refund past payments? 
No. Cancellation only applies to future payments. Any already‑completed transactions are final. For refunds on disputed transactions, contact the merchant directly.  

4. What if I don’t find my service listed under AutoPay Settings? 
Some services might be billed outside PhonePe (e.g., directly via the merchant). In that case, visit the merchant’s website or app to manage recurring payments.  

5. Is there a wait period for cancellation? 
No. Once you confirm deletion, the mandate is revoked immediately. However, if a payment is already “in process,” you may see one final deduction.