January 16, 2025 · 12 mins read
Santosh Kumar
The rapid pace in which technological advancement is booming has made its various inventions extremely pragmatic and accessible in terms of user experience. This easy and hassle-free practicality allows normal mani to use the many boons of the web in his daily routine. Increasing digitization has thus heralded almost every aspect of our personal and professional living. One such revolutionary invention is the online transfer of money through a Unified Payment Interface. Even just a few years back, this novelty would have been hard to imagine for any software expert. But now due to extensive research and database development, this has become the new reality to transform how we had conventionally carried out financial transactions. The features of UPI are innumerable and hard to contain in a list however the most revolutionary and often used characteristic is the system of mandate. Built for payments that have to be addressed at regular intervals, this attribute lets the user automate his account accordingly. For instance periodic payments like electricity bills, subscription renewals and the like can be paid without you constantly having to worry about each due date. Just like you may initiate such payments, likewise there may come instances where you wish to discontinue the said services. In that case one must have a comprehensive understanding on how to cancel UPI mandate.
To resolve the afore-mentioned issue, here is an in-depth explanation of 999 and its various accompanying features. Let us first familiarize ourselves with the concept of a UPI mandate.
A UPI mandate is an online gateway feature that allows users to authorize regularly occurring payments and other pre-paid services beforehand. It is an in-built feature integrated with the entire UPI software to further simplify payment solutions and thus save time and prevent any chances of overdrafts. For example: if one has taken a loan, and has to pay a certain amount each month as installments, he can simply make use of the UPI mandate, authorize and verify the payment details and done. This way the installment amount will be automatically debited from the linked bank account and paid to the receiver without the user having to manually do those payments each month. This relieves the user to quit worrying about due dates, overdraft issues and other hassles; thus saving time and reducing stress.
The mandate will ask for certain specifications like payment amount, frequency, due date and receiving authority. You only have to enter these details once and once the mandate is approved, the said amount is automatically debited on the scheduled date. This feature is especially beneficial for businesses and consumers, as it ensures timely payments, reducing any risk of late fees or service interruptions. The UPI mandate is regulated by National Payments Corporation of India (NPCI), thus ensures that all transactions are centralised and carried in accordance with state guidelines. This validated security, accessibility and automation.
One can easily set up a UPI mandate by following these steps: launch any UPI enabled app<apply for a mandate< fill in the required details< authenticate and validate the entered details< initiate the the request using your UPI pin.
Let us now understand the various practical applications of the UPI mandate.
Large industries like insurance sectors and loan services benefit hugely from UPI mandate as it has simplified the collection process of installments thus ensuring continued cash flow and also providing utmost customer satisfaction.
Utility bills like electricity, water, and internet bills are a headache for any normal household owner. One has to constantly remember due dates, payment amounts and even manually travel to the concerned sites for their dispersal. UPI mandate has made this hassle-free by automating recurring payments. Likewise, they are utilized in SIP (Systematic Investment Plan) contributions, ensuring consistent investment flows in mutual funds.
UPI mandates are making inroads into e-commerce and making them secure and reliable by providing an efficient payment solution for high-, enabling secure pre-authorization of payments for high-value orders or installment-based purchases.
In summary, UPI mandates are transforming the payment landscape, offering convenience, security, and efficiency for both consumers and businesses.
Despite its convenience, there are various reasons why individuals choose to cancel a UPI mandate. Some major reasons are listed below:
Read More:: How to Do Offline UPI Payment
Most reported reason is to discontinue subscription of an available service. Usually subscriptions of OTT platforms are stopped by users due to change in prices or just for discontinuation purposes. In case the subscription amounts for such services are authorised and paid by a UPI mandate, the listed mandate has to be cancelled to avoid further deductions.
Services that were initially booked for lower prices may be revoked due to change in pricing patterns, usually a hike. Mainly due to financial limitations,the user may decide to revert a particular UPI mandate for the particular service. In that one must know how to cancel UPI mandate to carry out smooth discontinuation and prevent deductions.
Sometimes due to wrongly entered details or other system glitches, user may face discrepancies in UPI mandate debits. In that case the user foremostly decides to cancel the mandate and then probe into the matter later to avoid further loss.
Sometimes, a user may decide to disburse the payments manually or through credit cards to avail cashbacks and other rewards. In that case he may cancel the UPI mandate and switch to other more preferred payment options.
If a person is in doubt and suspects infiltration of sensitive data or discrepancies in payment databases, he may revoke the UPI mandate to prevent any fraudulent practices. Usually in case of such doubts the user prefers to cancel all UPI mandates to secure funds.
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Though rare, poor accessibility and unmet expectations may prompt the user to cancel a UPI mandate. In case a person is dissatisfied with the customer experience of an availed service, he may discontinue thus leading to cancellation of that particular UPI mandate.
In case a person has subscribed to an online 6-month course, the payments of which are processed through a UPI mandate. After the course has ended, the student no longer needs the UPI mandate and thus can cancel it.
Competition among service providers often leads to better offers and discounts. Users frequently switch to new providers for financial or quality benefits, canceling their existing UPI mandates in the process.
Here is a detailed breakdown of how to cancel UPI mandate across various UPI platforms used by the masses.
The BHIM (Bharat Interface for Money) app, developed by NPCI (National Payments Corporation of India), supports the creation and management of UPI mandates. Here’s how to cancel BHIM UPI mandate
Steps:
1. Open the BHIM App on your smartphone.
2. Log in using your MPIN (Mobile Banking PIN).
3. Navigate to the ‘Mandates’ section. You’ll find this option under the menu or directly on the home screen.
4. View the list of active mandates linked to your account.
5. Select the specific mandate you wish to cancel.
6. Click on the ‘Cancel’ or ‘Revoke Mandate’ option.
7. Confirm the action by entering your MPIN.
Important Notes:
Canceling a mandate does not refund any payments already processed. Ensure no payments are due under the mandate before cancelation to avoid disruptions in services.
Read More:: How to Change UPI PIN in Google Pay
Google Pay also facilitates managing UPI mandates for recurring payments. To cancel a UPI mandate:
Steps:
1. Launch the Google Pay app.
2. Tap on the ‘Profile’ icon at the top right corner.
3. Go to ‘Settings’ and select ‘Payment Methods’.
4. Scroll down to find the ‘Recurring Payments’ section.
5. View all active UPI mandates and select the one to cancel.
6. Tap ‘Cancel’ and confirm by entering your UPI PIN.
PhonePe offers an intuitive interface to manage UPI mandates. Here’s how to cancel one: Steps:
1. Open the PhonePe app and log in.
2. Go to the ‘History’ or ‘Mandates’ section under the UPI menu.
3. Identify the mandate you wish to cancel.
4. Tap on ‘Cancel Mandate’ and provide your UPI PIN for confirmation.
If you’re using Paytm for managing UPI payments, canceling a mandate is straightforward: Steps:
1. Open the Paytm app and log in to your account.
2. Tap on ‘UPI’ from the home screen.
3. Navigate to the ‘Mandates’ section.
4. Select the mandate you want to cancel.
5. Confirm the action by entering your UPI PIN.
Read More:: How to Reset UPI PIN
Many banks, like SBI, ICICI, HDFC, and Axis, allow users to manage UPI mandates through their official mobile banking apps.
Steps (Generalized):
1. Open your bank’s mobile app and log in.
2. Navigate to the UPI Services or Payments section.
3. Look for ‘Mandates’ or ‘Recurring Payments’.
4. Select the mandate you want to cancel.
5. Confirm the cancellation by entering your UPI PIN or OTP.
If you are unable to cancel the mandate through the above methods, contact your bank's customer service. Provide them with details of the mandate, and they will assist in revoking it.
Now that we have learnt how to cancel UPI mandate and also how to cancel BHIM UPI mandate and through other UPI platforms, we must now consider some points to be mindful of when doing the same:
Before initiating the cancellation, review the mandate's details such as the merchant's name, amount, frequency, and duration. This ensures you cancel the correct mandate, avoiding disruptions to any essential services.
Cancel the mandate using the UPI app where you authorized it. This reduces complications and ensures the process aligns with the app’s interface and procedures.
Read More:: How to Reset UPI PIN on PhonePe
Ensure no pending payments are associated with the mandate. Cancelling a mandate while a payment is being processed could lead to disputes or delays.
Navigate to the UPI app’s “Manage Mandates” or similar section. Select the active mandate you wish to cancel and confirm the cancellation. Follow all prompts to complete the process successfully.
If the mandate is linked to a subscription or service, inform the merchant about the cancellation. This ensures they are aware of the termination and prevents service interruptions or disputes.
After cancelling, check the app’s “Cancelled Mandates” or equivalent section to confirm the mandate is no longer active. Keep a screenshot for future reference.
Some banks or apps may charge a fee for mandated cancellations. Verify this beforehand to avoid unexpected deductions.
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An unused UPI mandate has to be cancelled immediately to prevent any unnecessary deductions and ensure cancellation of particular services. Let us discuss some reasons as to why one must cancel an unused UPI mandate:
Unused mandates usually comprising large amounts if neglected are an easy prey to hackers and scammers. They identify such mandates and thus leveraging on the user's negligence, carry out unauthorized debits leading frauds.
Additionally, unused mandates may unnecessarily restrict your account’s liquidity. The pre-authorized amount is usually blocked, reducing your effective balance. This can be inconvenient during emergencies or urgent financial needs.
Unused and dormant UPI mandates cause cluttering of financial statements thus making it difficult to track credits and debits eventually affecting personal and professional economic stability.
Steps to cancel a UPI mandate are as follows: visit your UPI app<navigate to the mandate section<cancel the unused UPI app. This ensures financial security, minimizes fraudulent threats and thus manages financial health.
Read More:: How To Change Upi Id In Paytm
UPI mandate is an extremely convenient and widely used feature of UPI. People all across the globe benefit immensely from it and prefer this payment option for many of their expenses. It helps to prevent overdrafts, cancellation of services, interrupted delays, bank notices and other inconveniences. In the same breath, we must also discuss the various circumstances on when to cancel an unused UPI mandate and how to cancel UPI mandate. This comprehensive knowledge ensures smooth disbursal of all expenses thus relieving one of stress and upholding financial stability.
1. What is a UPI mandate?
A UPI mandate is a pre-approved instruction for recurring payments from your bank account via UPI.
Yes, you can cancel a UPI mandate at any time through your UPI app or bank’s platform.
3. How do I cancel a UPI mandate?
Go to the UPI app, navigate to the "Mandates" section, select the active mandate, and choose "Cancel."
4. Are there any charges for canceling a UPI mandate?
Most banks do not charge for canceling a UPI mandate, but it's best to confirm with your bank.
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